{"id":3865,"date":"2026-10-08T16:23:22","date_gmt":"2026-10-08T14:23:22","guid":{"rendered":"https:\/\/insurancevisa.com\/?p=3865"},"modified":"2026-10-08T16:23:22","modified_gmt":"2026-10-08T14:23:22","slug":"phai-lam-gi-khi-bao-hiem-khong-chi-tra-chi-phi-dieu-tri","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/co-zrobic-gdy-ubezpieczenie-nie-pokrywa-leczenia\/","title":{"rendered":"Ph\u1ea3i l\u00e0m g\u00ec khi b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Khi c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, hai vi\u1ec7c quan tr\u1ecdng nh\u1ea5t l\u00e0: thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u v\u00e0 ki\u1ec3m tra xem quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 d\u1ef1a tr\u00ean \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 n\u00e0o trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Vi\u1ec7c t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng quy\u1ebft \u0111\u1ecbnh li\u1ec7u chi ph\u00ed c\u00f3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 hay kh\u00f4ng. C\u00e2u tr\u1ea3 l\u1eddi ph\u1ee5 thu\u1ed9c v\u00e0o ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, ho\u00e0n c\u1ea3nh c\u1ee7a s\u1ef1 c\u1ed1, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u0169ng nh\u01b0 c\u00e1c ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). B\u1ea1n c\u0169ng kh\u00f4ng n\u00ean d\u1ef1a v\u00e0o c\u00e1c quy \u0111\u1ecbnh \u0111\u00e3 ghi nh\u1edb t\u1eeb m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c \u2014 ngay c\u1ea3 nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng t\u1ef1 c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00e1ch th\u1ee9c khai b\u00e1o kh\u00e1c nhau. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 tr\u00ecnh t\u1ef1 c\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n, c\u00e1c v\u00ed d\u1ee5 v\u1ec1 y\u00eau c\u1ea7u t\u1eeb c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3, c\u00f9ng danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u gi\u00fap b\u1ea1n s\u1eafp x\u1ebfp h\u1ed3 s\u01a1 m\u1ed9t c\u00e1ch c\u00f3 h\u1ec7 th\u1ed1ng. <strong>H\u00e3y xem x\u00e9t quy\u1ebft \u0111\u1ecbnh n\u00e0y c\u00f9ng v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) t\u01b0\u01a1ng \u1ee9ng<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a tr\u00ean th\u00f4ng b\u00e1o ng\u1eafn g\u1ecdn v\u1ec1 vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#co-zrobic-od-razu\">Ph\u1ea3i l\u00e0m g\u00ec ngay sau khi m\u1ea5t s\u00f3ng<\/a><\/li>\n\n\n\n<li><a href=\"#jak-sprawdzic-zakres\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh<\/a><\/li>\n\n\n\n<li><a href=\"#jak-skompletowac-dokumenty\">C\u00e1ch chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1<\/a><\/li>\n\n\n\n<li><a href=\"#jak-roznia-sie-procedury\">C\u00e1c th\u1ee7 t\u1ee5c trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) kh\u00e1c nhau nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-uporzadkowac-dalsze-dzialania\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eafp x\u1ebfp c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-od-razu\">Ph\u1ea3i l\u00e0m g\u00ec ngay sau khi m\u1ea5t s\u00f3ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh r\u00f5 v\u1ea5n \u0111\u1ec1 c\u1ee5 th\u1ec3 l\u00e0 g\u00ec. Tr\u01b0\u1eddng h\u1ee3p m\u1ed9t l\u00e0 khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i ngay t\u1eeb \u0111\u1ea7u vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 ho\u1eb7c chi tr\u1ea3 chi ph\u00ed h\u1ed7 tr\u1ee3; tr\u01b0\u1eddng h\u1ee3p kh\u00e1c l\u00e0 khi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 chi tr\u1ea3 chi ph\u00ed nh\u01b0ng sau \u0111\u00f3 l\u1ea1i t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng. H\u00e3y ghi l\u1ea1i ng\u00e0y x\u1ea3y ra s\u1ef1 vi\u1ec7c, ng\u00e0y li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, s\u1ed1 h\u1ed3 s\u01a1 khi\u1ebfu n\u1ea1i v\u00e0 n\u1ed9i dung ph\u1ea3n h\u1ed3i nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>\u0110\u1eebng v\u1ee9t b\u1ecf b\u1ea5t c\u1ee9 th\u1ee9 g\u00ec<\/strong>, ngay c\u1ea3 khi t\u00e0i li\u1ec7u \u0111\u00f3 c\u00f3 v\u1ebb kh\u00f4ng quan tr\u1ecdng l\u1eafm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Y\u00eau c\u1ea7u \u0111\u1ed1i ph\u01b0\u01a1ng ch\u1ec9 r\u00f5 \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) m\u00e0 l\u1eadp tr\u01b0\u1eddng c\u1ee7a h\u1ecd d\u1ef1a tr\u00ean \u0111\u00f3. Sau \u0111\u00f3, h\u00e3y chu\u1ea9n b\u1ecb:<\/p>\n\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-documents .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items08337efe-documents kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-08337efe-documents-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c v\u0103n b\u1ea3n li\u00ean quan \u0111\u1ebfn \u0111\u01a1n \u0111\u0103ng k\u00fd;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">h\u1ed3 s\u01a1 m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c v\u00e0 s\u1ef1 tr\u1ee3 gi\u00fap \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n (n\u1ebfu c\u00f3);<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-documents-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-documents-6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-documents-6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">m\u1eabu \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 x\u00e1c nh\u1eadn vi\u1ec7c g\u1eedi \u0111\u01a1n.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu c\u00f2n thi\u1ebfu t\u00e0i li\u1ec7u, h\u00e3y l\u1eadp danh s\u00e1ch v\u00e0 ghi r\u00f5 n\u01a1i b\u1ea1n c\u00f3 th\u1ec3 l\u1ea5y ch\u00fang. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 v\u0103n b\u1ea3n tr\u1ea3 l\u1eddi c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i li\u00ean quan \u0111\u1ebfn c\u00f9ng m\u1ed9t h\u1ee3p \u0111\u1ed3ng<\/strong>. Vi\u1ec7c k\u1ebft h\u1ee3p c\u00e1c t\u00e0i li\u1ec7u t\u1eeb c\u00e1c n\u0103m kh\u00e1c nhau ho\u1eb7c c\u00e1c phi\u00ean b\u1ea3n kh\u00e1c nhau c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn nh\u1eefng k\u1ebft lu\u1eadn sai l\u1ea7m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng n\u00ean ph\u00e2n bi\u1ec7t r\u00f5 v\u1ea5n \u0111\u1ec1 kh\u1ea9n c\u1ea5p li\u00ean quan \u0111\u1ebfn s\u1ef1 vi\u1ec7c \u0111ang di\u1ec5n ra v\u1edbi tranh ch\u1ea5p v\u1ec1 vi\u1ec7c thanh to\u00e1n s\u1ebd x\u1ea3y ra sau n\u00e0y. N\u1ebfu b\u1ea1n c\u1ea7n b\u1ed1i c\u1ea3nh r\u1ed9ng h\u01a1n, h\u00e3y xem, <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/loai-bao-hiem-nao-chi-tra-cho-viec-dieu-tri-noi-tru\/\">Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o chi tr\u1ea3 cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa?<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-sprawdzic-zakres\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u t\u1eeb trang ho\u1eb7c ph\u1ea7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00eau r\u00f5 ph\u01b0\u01a1ng \u00e1n, c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. Ti\u1ebfp theo, h\u00e3y tra c\u1ee9u trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u00e1c \u0111\u1ecbnh ngh\u0129a v\u1ec1 s\u1ef1 ki\u1ec7n, ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, ngh\u0129a v\u1ee5 sau s\u1ef1 ki\u1ec7n v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi c\u1ee7a s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 s\u1ea3n ph\u1ea9m Compensa Cudzoziemiec theo phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) n\u0103m 2026. \u0110i\u1ec1u kho\u1ea3n s\u1ed1 1 li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan k\u00e8m theo d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng, n\u1ebfu ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u0111\u00e3 l\u1ef1a ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0y. Theo quy \u0111\u1ecbnh n\u00e0y, \u0111i\u1ec1u kho\u1ea3n n\u00e0y bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, \u0111\u01b0\u1ee3c coi l\u00e0 c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf, m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. <strong>M\u00f4 t\u1ea3 n\u00e0y \u00e1p d\u1ee5ng cho m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a Compensa<\/strong>, do \u0111\u00f3 \u0111i\u1ec1u n\u00e0y kh\u00f4ng t\u1ef1 \u0111\u1ed9ng ch\u1ee9ng minh r\u1eb1ng m\u1ecdi h\u00f3a \u0111\u01a1n \u0111\u1ec1u ph\u1ea3i \u0111\u01b0\u1ee3c thanh to\u00e1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ebd r\u1ea5t h\u1eefu \u00edch n\u1ebfu so s\u00e1nh b\u1ed1n y\u1ebfu t\u1ed1 sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items08337efe-scope .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items08337efe-scope kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-08337efe-scope-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-scope-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-scope-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">li\u1ec7u s\u1ef1 ki\u1ec7n \u0111\u00f3 c\u00f3 thu\u1ed9c ph\u1ea1m vi \u0111\u1ecbnh ngh\u0129a \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-scope-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-scope-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-scope-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">li\u1ec7u \u0111i\u1ec1u kho\u1ea3n ph\u00f9 h\u1ee3p \u0111\u00e3 \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn hay ch\u01b0a;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-scope-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-scope-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-scope-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">li\u1ec7u b\u1ea3o hi\u1ec3m c\u00f3 c\u00f2n hi\u1ec7u l\u1ef1c v\u00e0o ng\u00e0y x\u1ea3y ra s\u1ef1 c\u1ed1 hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-08337efe-scope-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-08337efe-scope-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-08337efe-scope-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Chi ph\u00ed c\u00f3 n\u1eb1m trong t\u1ed5ng s\u1ed1 ti\u1ec1n, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa n\u0103m 2020, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 l\u00e0 gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi m\u1ed7i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng n\u00eau r\u00f5 r\u1eb1ng c\u00e1c kho\u1ea3n chi tr\u1ea3 s\u1ebd l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 t\u01b0\u01a1ng \u1ee9ng, v\u00e0 c\u00e1c gi\u00e1 tr\u1ecb n\u00e0y \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n. <strong>Ki\u1ec3m tra s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n<\/strong>, b\u1edfi v\u00ec kh\u00f4ng n\u00ean sao ch\u00e9p c\u00e1c tham s\u1ed1 t\u1eeb t\u00e0i li\u1ec7u ho\u1eb7c bi\u1ebfn th\u1ec3 kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 nh\u1eefng y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 c\u1ea5u th\u00e0nh n\u00ean s\u1ef1 b\u1ea3o v\u1ec7, b\u1ea1n h\u00e3y \u0111\u1ecdc b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/bao-hiem-dieu-tri-noi-tru-cho-nguoi-nuoc-ngoai-pham-vi-bao-hiem\/\">ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-skompletowac-dokumenty\">C\u00e1ch chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c t\u00e0i li\u1ec7u c\u1ea7n t\u1ea1o th\u00e0nh m\u1ed9t c\u00e2u chuy\u1ec7n nh\u1ea5t qu\u00e1n: nh\u1eefng g\u00ec \u0111\u00e3 x\u1ea3y ra, v\u00e0o th\u1eddi \u0111i\u1ec3m n\u00e0o, lo\u1ea1i h\u1ed7 tr\u1ee3 n\u00e0o l\u00e0 c\u1ea7n thi\u1ebft, chi ph\u00ed l\u00e0 bao nhi\u00eau v\u00e0 th\u1ee7 t\u1ee5c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u01b0 th\u1ebf n\u00e0o. <strong>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 tr\u00ecnh t\u1ef1 th\u1eddi gian ph\u1ea3i r\u00f5 r\u00e0ng<\/strong>. S\u1eafp x\u1ebfp c\u00e1c t\u00e0i li\u1ec7u theo ng\u00e0y th\u00e1ng v\u00e0 \u0111\u1eb7t t\u00ean \u0111\u01a1n gi\u1ea3n cho c\u00e1c b\u1ea3n sao, v\u00ed d\u1ee5 nh\u01b0 \u201eh\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\u201d, \u201eb\u1ea3n t\u01b0\u1eddng tr\u00ecnh s\u1ef1 vi\u1ec7c\u201d, \u201eh\u1ed3 s\u01a1 y t\u1ebf\u201d, \u201eh\u00f3a \u0111\u01a1n\u201d v\u00e0 \u201eth\u01b0 tr\u1ea3 l\u1eddi c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Compensa d\u00e0nh cho Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026 quy \u0111\u1ecbnh vi\u1ec7c n\u1ed9p m\u1eabu \u0111\u01a1n khai b\u00e1o thi\u1ec7t h\u1ea1i, c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u sau khi khai b\u00e1o, c\u0169ng nh\u01b0 vi\u1ec7c b\u1ea3o qu\u1ea3n c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1. Compensa c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c b\u1eb1ng ch\u1ee9ng kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00ecnh ti\u1ebft v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. <strong>H\u00e3y l\u01b0u gi\u1eef bi\u00ean nh\u1eadn chuy\u1ec3n giao c\u1ee7a t\u1eebng t\u00e0i li\u1ec7u<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa n\u0103m 2020, h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ea3i bao g\u1ed3m s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 ho\u00e0n c\u1ea3nh s\u1ef1 vi\u1ec7c, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u00f9ng c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng t\u1eeb chi ph\u00ed sau \u0111\u00e2y: h\u00f3a \u0111\u01a1n, h\u00f3a \u0111\u01a1n chi ti\u00eau, gi\u1ea5y ch\u1ee9ng nh\u1eadn nh\u1eadp vi\u1ec7n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n. <strong>S\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 m\u00f4 t\u1ea3 s\u1ef1 c\u1ed1 ph\u1ea3i r\u00f5 r\u00e0ng v\u00e0 kh\u00f4ng g\u00e2y nh\u1ea7m l\u1eabn<\/strong>, \u0111\u1ec3 c\u00e1c t\u00e0i li\u1ec7u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i v\u00e0o v\u1ee5 vi\u1ec7c ph\u00f9 h\u1ee3p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng t\u1ef1 \u00fd b\u1ed5 sung c\u00e1c ch\u1ea9n \u0111o\u00e1n ho\u1eb7c t\u00ecnh ti\u1ebft kh\u00f4ng \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn b\u1eb1ng t\u00e0i li\u1ec7u. N\u1ebfu thi\u1ebfu th\u00f4ng tin n\u00e0o, h\u00e3y n\u00eau r\u00f5 \u0111i\u1ec1u \u0111\u00f3 v\u00e0 y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p danh s\u00e1ch chi ti\u1ebft c\u00e1c th\u00f4ng tin c\u1ea7n b\u1ed5 sung. <strong>H\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn chi ph\u00ed c\u00f3 c\u00e1c ch\u1ee9c n\u0103ng kh\u00e1c nhau<\/strong>: t\u00e0i li\u1ec7u th\u1ee9 nh\u1ea5t m\u00f4 t\u1ea3 vi\u1ec7c h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p, hai t\u00e0i li\u1ec7u c\u00f2n l\u1ea1i x\u00e1c nh\u1eadn chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-roznia-sie-procedury\">C\u00e1c th\u1ee7 t\u1ee5c trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) kh\u00e1c nhau nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t th\u1eddi h\u1ea1n ho\u1eb7c m\u1ed9t danh s\u00e1ch t\u00e0i li\u1ec7u duy nh\u1ea5t cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. <strong>Lu\u00f4n ki\u1ec3m tra quy tr\u00ecnh \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a ch\u00ednh m\u00ecnh<\/strong>. Do \u0111\u00f3, h\u00e3y ki\u1ec3m tra l\u1ea1i th\u1eddi h\u1ea1n v\u00e0 danh s\u00e1ch c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung c\u1ee7a qu\u00fd v\u1ecb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"compensa-cudzoziemiec-owu-2026\">Compensa Cudzoziemiec \u2014 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong phi\u00ean b\u1ea3n t\u00e0i li\u1ec7u n\u00e0y, vi\u1ec7c th\u00f4ng b\u00e1o v\u1ec1 s\u1ef1 c\u1ed1 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y x\u1ea3y ra tai n\u1ea1n. N\u1ebfu do h\u1eadu qu\u1ea3 c\u1ee7a v\u1ee5 tai n\u1ea1n m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n vi\u1ec7c n\u00e0y, th\u1eddi h\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh k\u1ec3 t\u1eeb khi nguy\u00ean nh\u00e2n c\u1ea3n tr\u1edf vi\u1ec7c th\u00f4ng b\u00e1o ch\u1ea5m d\u1ee9t. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u0169ng quy \u0111\u1ecbnh m\u1eabu \u0111\u01a1n, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 vi\u1ec7c b\u1ea3o qu\u1ea3n ch\u1ee9ng c\u1ee9. <strong>Th\u1eddi h\u1ea1n 14 ng\u00e0y \u00e1p d\u1ee5ng cho phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) n\u00e0y c\u1ee7a Compensa<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 s\u1eb5n tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tuz-ubezpieczenia-owu-2026\">TUZ B\u1ea3o hi\u1ec3m \u2014 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n chung v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u1ee7a TUZ Ubezpieczenia quy \u0111\u1ecbnh ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c, ch\u1eadm nh\u1ea5t l\u00e0 trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb khi x\u1ea3y ra s\u1ef1 c\u1ed1 b\u1ea3o hi\u1ec3m ho\u1eb7c khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 thi\u1ec7t h\u1ea1i. T\u00e0i li\u1ec7u n\u00e0y c\u00f3 \u0111i\u1ec1u kho\u1ea3n l\u01b0u \u00fd r\u1eb1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung c\u00f3 th\u1ec3 quy \u0111\u1ecbnh c\u00e1c \u0111i\u1ec1u kho\u1ea3n ri\u00eang bi\u1ec7t. T\u00e0i li\u1ec7u c\u0169ng li\u1ec7t k\u00ea m\u1eabu \u0111\u01a1n th\u00f4ng b\u00e1o, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n cung c\u1ea5p trong qu\u00e1 tr\u00ecnh gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p nh\u1eb1m gi\u1ea3m thi\u1ec3u m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. <strong>H\u00e3y xem th\u00eam c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung<\/strong>, thay v\u00ec ch\u1ec9 \u0111\u1ecdc \u0111\u1ebfn ph\u1ea7n t\u1ed5ng quan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ergo-hestia-owu-2016\">Ergo Hestia \u2014 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m n\u0103m 2016<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Theo phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung n\u00e0y, qu\u00fd kh\u00e1ch ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c cho Trung t\u00e2m C\u1ea5p c\u1ee9u. H\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ph\u1ea3i bao g\u1ed3m m\u1eabu \u0111\u01a1n \u0111\u01b0\u1ee3c \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u00ednh x\u00e1c, b\u1ea3n g\u1ed1c c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh, h\u1ed3 s\u01a1 y t\u1ebf k\u00e8m theo ch\u1ea9n \u0111o\u00e1n, c\u00f9ng c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c m\u00f4 t\u1ea3 ph\u1ea1m vi d\u1ecbch v\u1ee5 c\u1ee9u h\u1ed9 \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p. <strong>Y\u00eau c\u1ea7u ph\u1ea3i n\u1ed9p b\u1ea3n g\u1ed1c xu\u1ea5t ph\u00e1t t\u1eeb v\u0103n b\u1ea3n ban h\u00e0nh n\u0103m 2016<\/strong>; tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 h\u00e0nh \u0111\u1ed9ng n\u00e0o, qu\u00fd v\u1ecb c\u1ea7n so s\u00e1nh t\u00e0i li\u1ec7u n\u00e0y v\u1edbi c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) th\u1ef1c t\u1ebf \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a qu\u00fd v\u1ecb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u1eefng v\u00ed d\u1ee5 n\u00e0y kh\u00f4ng nh\u1eb1m x\u1ebfp h\u1ea1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. Ch\u00fang cho th\u1ea5y r\u1eb1ng nh\u1eefng y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u00f3 v\u1ebb t\u01b0\u01a1ng t\u1ef1 nhau nh\u01b0ng l\u1ea1i c\u00f3 th\u1ec3 c\u00f3 nh\u1eefng y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c kh\u00e1c nhau. <strong>\u0110\u1eebng cho r\u1eb1ng vi\u1ec7c \u0111\u0103ng k\u00fd tr\u01b0\u1edbc s\u1ebd quy\u1ebft \u0111\u1ecbnh th\u1ee7 t\u1ee5c \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-uporzadkowac-dalsze-dzialania\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eafp x\u1ebfp c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi thu th\u1eadp \u0111\u1ea7y \u0111\u1ee7 t\u00e0i li\u1ec7u, h\u00e3y so\u1ea1n m\u1ed9t b\u1ea3n gi\u1ea3i tr\u00ecnh ng\u1eafn g\u1ecdn v\u00e0 s\u00fac t\u00edch. Trong \u0111o\u1ea1n \u0111\u1ea7u ti\u00ean, h\u00e3y n\u00eau r\u00f5 s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 v\u1ee5 vi\u1ec7c. Ti\u1ebfp theo, m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c theo th\u1ee9 t\u1ef1 th\u1eddi gian, ch\u1ec9 r\u00f5 chi ph\u00ed li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 g\u00ec v\u00e0 li\u1ec7t k\u00ea c\u00e1c t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m. Cu\u1ed1i c\u00f9ng, h\u00e3y y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m xem x\u00e9t l\u1ea1i quan \u0111i\u1ec3m c\u1ee7a h\u1ecd d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u \u0111\u00e3 n\u00eau v\u00e0 tr\u00edch d\u1eabn c\u1ee5 th\u1ec3 \u0111i\u1ec1u kho\u1ea3n n\u00e0o trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eabn kh\u1eb3ng \u0111\u1ecbnh kh\u00f4ng c\u00f3 ph\u1ea1m vi b\u1ed3i th\u01b0\u1eddng. <strong>M\u1ed7i b\u00e1o c\u00e1o n\u00ean tu\u00e2n theo m\u1ed9t tr\u00ecnh t\u1ef1 th\u1eddi gian c\u00f3 h\u1ec7 th\u1ed1ng<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng t\u1ef1 h\u1ee9a v\u1edbi b\u1ea3n th\u00e2n r\u1eb1ng s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n tr\u01b0\u1edbc khi ph\u00e2n t\u00edch h\u1ee3p \u0111\u1ed3ng. Vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 xu\u1ea5t ph\u00e1t t\u1eeb ph\u1ea1m vi b\u1ea3o hi\u1ec3m, h\u1ea1n m\u1ee9c, vi\u1ec7c kh\u00f4ng tu\u00e2n th\u1ee7 ngh\u0129a v\u1ee5 ho\u1eb7c thi\u1ebfu t\u00e0i li\u1ec7u, nh\u01b0ng nguy\u00ean nh\u00e2n c\u1ee5 th\u1ec3 ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a v\u1ee5 vi\u1ec7c \u0111\u00f3. <strong>H\u00e3y h\u1ecfi v\u1ec1 c\u01a1 s\u1edf c\u1ee7a quy\u1ebft \u0111\u1ecbnh, ch\u1ee9 \u0111\u1eebng h\u1ecfi v\u1ec1 nh\u1eefng l\u1eddi \u0111\u1ea3m b\u1ea3o chung chung<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc mua m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c cho t\u01b0\u01a1ng lai, tr\u01b0\u1edbc ti\u00ean h\u00e3y ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c cho v\u1ee5 vi\u1ec7c hi\u1ec7n t\u1ea1i. Vi\u1ec7c thay \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng s\u1ebd kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u kho\u1ea3n li\u00ean quan \u0111\u1ebfn s\u1ef1 ki\u1ec7n \u0111\u00e3 x\u1ea3y ra. C\u00e1c h\u01b0\u1edbng d\u1eabn v\u1ec1 <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/thay-doi-bao-hiem-trong-thoi-gian-luu-tru-lam-the-nao-de-thuc-hien-mot-cach-an-toan\/\">thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch an to\u00e0n trong th\u1eddi gian l\u01b0u tr\u00fa<\/a> v\u00e0 v\u1ec1 <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/bao-hiem-khi-that-nghiep-tai-ba-lan-cac-lua-chon-danh-cho-nguoi-nuoc-ngoai\/\">C\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng c\u00f3 vi\u1ec7c l\u00e0m t\u1ea1i Ba Lan<\/a>. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi kh\u00f4ng t\u1ef1 \u0111\u1ed9ng kh\u1eafc ph\u1ee5c t\u00ecnh tr\u1ea1ng thi\u1ebfu b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc \u0111\u00f3<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m l\u1ea7n ti\u1ebfp theo, h\u00e3y so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, th\u1ee7 t\u1ee5c khai b\u00e1o v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft. <strong>Tr\u01b0\u1edbc khi mua, h\u00e3y \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n \u00c1p d\u1ee5ng cho g\u00f3i d\u1ecbch v\u1ee5 t\u01b0\u01a1ng \u1ee9ng<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 m\u00f4 t\u1ea3 v\u1ec1 \u01b0u \u0111\u00e3i.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/insurancevisa.com\/vi\/\">MUA B\u1ea2O HI\u1ec2M TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-odmowa-oznacza-ze-nie-warto-uzupelniac-dokumentow\">Vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u00f3 ngh\u0129a l\u00e0 kh\u00f4ng n\u00ean b\u1ed5 sung h\u1ed3 s\u01a1 n\u1eefa kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra xem c\u00e2u tr\u1ea3 l\u1eddi c\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn bi\u1ec3u m\u1eabu, t\u00e0i li\u1ec7u ho\u1eb7c b\u1eb1ng ch\u1ee9ng n\u00e0o c\u00f2n thi\u1ebfu hay kh\u00f4ng. Vi\u1ec7c b\u1ed5 sung th\u00f4ng tin ch\u1ec9 c\u00f3 \u00fd ngh\u0129a khi n\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u00e0 li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1 c\u1ee5 th\u1ec3. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng quy\u1ebft \u0111\u1ecbnh s\u1ebd \u0111\u01b0\u1ee3c thay \u0111\u1ed5i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazda-polisa-przewiduje-14-dni-na-zgloszenie\">C\u00f3 ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u quy \u0111\u1ecbnh th\u1eddi h\u1ea1n 14 ng\u00e0y \u0111\u1ec3 th\u00f4ng b\u00e1o kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 quy ch\u1ee5p chung nh\u01b0 v\u1eady. Th\u1eddi h\u1ea1n 14 ng\u00e0y \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong c\u00e1c phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) Compensa 2026 v\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m (TUZ) 2026 \u0111\u00e3 \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 \u1edf tr\u00ean, tuy nhi\u00ean m\u1ed7i t\u00e0i li\u1ec7u trong s\u1ed1 n\u00e0y \u0111\u1ec1u c\u00f3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n ri\u00eang. <strong>H\u00e3y ki\u1ec3m tra th\u1eddi h\u1ea1n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) k\u00e8m theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wystarczy-wyslac-sam-rachunek\">Ch\u1ec9 c\u1ea7n g\u1eedi h\u00f3a \u0111\u01a1n l\u00e0 \u0111\u1ee7 ch\u01b0a?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, c\u00e1c y\u00eau c\u1ea7u c\u00f3 ph\u1ea1m vi r\u1ed9ng h\u01a1n. Ch\u00fang c\u00f3 th\u1ec3 bao g\u1ed3m m\u1eabu \u0111\u01a1n, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng, h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed. H\u00e3y g\u1eedi c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u trong v\u0103n b\u1ea3n c\u1ee5 th\u1ec3 \u0111\u00f3 v\u00e0 l\u01b0u gi\u1eef x\u00e1c nh\u1eadn vi\u1ec7c \u0111\u00e3 g\u1eedi c\u00e1c t\u00e0i li\u1ec7u n\u00e0y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-jesli-ubezpieczyciel-podtrzymuje-stanowisko\">Ph\u1ea3i l\u00e0m g\u00ec n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eabn gi\u1eef nguy\u00ean quan \u0111i\u1ec3m?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y s\u1eafp x\u1ebfp l\u1ea1i c\u00e2u tr\u1ea3 l\u1eddi, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) ph\u00f9 h\u1ee3p c\u00f9ng b\u1ed9 t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m \u0111\u00e3 \u0111\u01b0\u1ee3c g\u1eedi. Ki\u1ec3m tra xem n\u1ed9i dung tr\u1ea3 l\u1eddi c\u00f3 n\u00eau r\u00f5 c\u01a1 s\u1edf c\u1ee5 th\u1ec3 hay kh\u00f4ng v\u00e0 li\u1ec7u n\u00f3 c\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i li\u1ec7u hay kh\u00f4ng. M\u1ed9t c\u1ea9m nang ri\u00eang v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y s\u1ebd r\u1ea5t h\u1eefu \u00edch, <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/lam-the-nao-de-khieu-nai-khi-hop-dong-bao-hiem-khong-co-hieu-luc\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 khi\u1ebfu n\u1ea1i khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-mozna-oprzec-sie-na-owu-znalezionych-w-internecie\">C\u00f3 th\u1ec3 d\u1ef1a v\u00e0o c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) t\u00ecm th\u1ea5y tr\u00ean m\u1ea1ng kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 l\u00e0m vi\u1ec7c d\u1ef1a tr\u00ean phi\u00ean b\u1ea3n \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a ch\u00ednh m\u00ecnh. N\u0103m, ph\u01b0\u01a1ng \u00e1n ho\u1eb7c n\u1ed9i dung c\u1ee7a \u0111i\u1ec1u kho\u1ea3n c\u00f3 th\u1ec3 kh\u00e1c nhau. T\u00e0i li\u1ec7u t\u00ecm th\u1ea5y ri\u00eang l\u1ebb c\u00f3 th\u1ec3 d\u00f9ng l\u00e0m tham kh\u1ea3o, nh\u01b0ng kh\u00f4ng n\u00ean thay th\u1ebf cho \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) k\u00e8m theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-zakup-nowej-polisy-pokryje-wczesniejszy-koszt\">Vi\u1ec7c mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi c\u00f3 b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c chi ph\u00ed tr\u01b0\u1edbc \u0111\u00f3 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u \u0111\u00f3. M\u1ee9c b\u1ea3o hi\u1ec3m cho s\u1ef1 ki\u1ec7n \u0111\u00e3 x\u1ea3y ra tr\u01b0\u1edbc \u0111\u00f3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 ki\u1ec7n \u0111\u00f3. H\u00e3y l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi d\u1ef1a tr\u00ean ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong t\u01b0\u01a1ng lai v\u00e0 nhu c\u1ea7u c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n, ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 thay \u0111\u1ed5i quy\u1ebft \u0111\u1ecbnh \u0111\u00e3 \u0111\u01b0\u1ee3c ban h\u00e0nh.<\/p>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Khi c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u00f3 hai vi\u1ec7c quan tr\u1ecdng nh\u1ea5t c\u1ea7n l\u00e0m: thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u v\u00e0 ki\u1ec3m tra xem quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 d\u1ef1a tr\u00ean \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 n\u00e0o trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o 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