{"id":3890,"date":"2026-11-05T01:27:40","date_gmt":"2026-11-05T00:27:40","guid":{"rendered":"https:\/\/insurancevisa.com\/?p=3890"},"modified":"2026-11-05T01:27:40","modified_gmt":"2026-11-05T00:27:40","slug":"lam-the-nao-de-xu-ly-hop-dong-bao-hiem-khi-khong-noi-duoc-tieng-ba-lan","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-obslugiwac-polise-gdy-nie-mowi-sie-po-polsku\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m khi kh\u00f4ng bi\u1ebft ti\u1ebfng Ba Lan?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c kh\u00f4ng th\u00e0nh th\u1ea1o ti\u1ebfng Ba Lan kh\u00f4ng nh\u1ea5t thi\u1ebft c\u1ea3n tr\u1edf vi\u1ec7c mua hay qu\u1ea3n l\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i sau n\u00e0y. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi s\u1ef1 chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng. Tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng, b\u1ea1n n\u00ean ki\u1ec3m tra ng\u00f4n ng\u1eef \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng tr\u00ean \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng, trung t\u00e2m c\u1ea5p c\u1ee9u, c\u00e1c bi\u1ec3u m\u1eabu v\u00e0 t\u00e0i li\u1ec7u; \u0111\u1ed3ng th\u1eddi tr\u01b0\u1edbc khi th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1, h\u00e3y thu th\u1eadp c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 t\u00ecnh hu\u1ed1ng c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. N\u1ebfu c\u00f3 ng\u01b0\u1eddi th\u00e2n ho\u1eb7c phi\u00ean d\u1ecbch vi\u00ean h\u1ed7 tr\u1ee3 trong qu\u00e1 tr\u00ecnh li\u00ean l\u1ea1c, c\u1ea7n th\u1ecfa thu\u1eadn tr\u01b0\u1edbc v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn s\u1ef1 tham gia c\u1ee7a h\u1ecd c\u0169ng nh\u01b0 vi\u1ec7c truy\u1ec1n \u0111\u1ea1t th\u00f4ng tin. <strong>Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh tr\u01b0\u1edbc r\u1eb1ng m\u1ed9t ng\u00f4n ng\u1eef c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3 s\u1ebd c\u00f3 s\u1eb5n<\/strong> \u2014 \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c ch\u1ecdn, k\u00eanh li\u00ean h\u1ec7 v\u00e0 th\u1eddi \u0111i\u1ec3m g\u1eedi y\u00eau c\u1ea7u. M\u1ed9t v\u00e0i b\u01b0\u1edbc chu\u1ea9n b\u1ecb \u0111\u01a1n gi\u1ea3n tr\u01b0\u1edbc khi mua h\u00e0ng s\u1ebd gi\u00fap b\u1ea1n tr\u00e1nh ph\u1ea3i \u1ee9ng ph\u00f3 m\u1ed9t c\u00e1ch v\u1ed9i v\u00e0ng trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n h\u1ed7 tr\u1ee3 ngay l\u1eadp t\u1ee9c.<\/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\">M\u1ee5c l\u1ee5c<\/p>\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#jak-sprawdzic-jezyk-obslugi-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra ng\u00f4n ng\u1eef h\u1ed7 tr\u1ee3 tr\u01b0\u1edbc khi mua h\u00e0ng<\/a><\/li>\n<li><a href=\"#pomoc-zaufanej-osoby-lub-tlumacza\">S\u1ef1 gi\u00fap \u0111\u1ee1 t\u1eeb m\u1ed9t ng\u01b0\u1eddi \u0111\u00e1ng tin c\u1eady ho\u1eb7c m\u1ed9t phi\u00ean d\u1ecbch vi\u00ean<\/a><\/li>\n<li><a href=\"#co-przygotowac-przed-kontaktem-z-ubezpieczycielem\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec tr\u01b0\u1edbc khi li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/a><\/li>\n<li><a href=\"#porownanie-cen-klc\">So s\u00e1nh gi\u00e1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m KLC trong 12 th\u00e1ng<\/a><\/li>\n<li><a href=\"#jak-przeprowadzic-rozmowe-krok-po-kroku\">C\u00e1ch ti\u1ebfn h\u00e0nh cu\u1ed9c ph\u1ecfng v\u1ea5n t\u1eebng b\u01b0\u1edbc m\u1ed9t<\/a><\/li>\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=\"jak-sprawdzic-jezyk-obslugi-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra ng\u00f4n ng\u1eef h\u1ed7 tr\u1ee3 tr\u01b0\u1edbc khi mua h\u00e0ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra th\u00f4ng tin v\u1ec1 ng\u00f4n ng\u1eef <strong>ri\u00eang bi\u1ec7t cho t\u1eebng ph\u01b0\u01a1ng th\u1ee9c li\u00ean h\u1ec7<\/strong>. Trang b\u00e1n h\u00e0ng \u0111a ng\u00f4n ng\u1eef kh\u00f4ng quy\u1ebft \u0111\u1ecbnh ng\u00f4n ng\u1eef s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong cu\u1ed9c tr\u00f2 chuy\u1ec7n sau \u0111\u00f3 v\u1edbi trung t\u00e2m \u1ee9ng c\u1ee9u kh\u1ea9n c\u1ea5p. Nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n h\u1ed7 tr\u1ee3 mua h\u00e0ng c\u0169ng kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i th\u00f4ng th\u1ea1o c\u00e1c ng\u00f4n ng\u1eef gi\u1ed1ng nh\u01b0 ng\u01b0\u1eddi ti\u1ebfp nh\u1eadn th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y h\u1ecfi v\u1ec1:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 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-items6e5180d4-check-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items6e5180d4-check-1 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-items6e5180d4-check-1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items6e5180d4-check-1 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-6e5180d4-check-1-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-1 .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-6e5180d4-check-1-1 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\"><strong>ng\u00f4n ng\u1eef c\u1ee7a trung t\u00e2m b\u00e1o \u0111\u1ed9ng<\/strong> v\u00e0 th\u1eddi gian ho\u1ea1t \u0111\u1ed9ng c\u1ee7a n\u00f3;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-1-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-2 .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-6e5180d4-check-1-2 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\">ng\u00f4n ng\u1eef c\u1ee7a \u0111\u01b0\u1eddng d\u00e2y h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng d\u00e0nh cho vi\u1ec7c x\u1eed l\u00fd h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-1-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-3 .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-6e5180d4-check-1-3 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\">ng\u00f4n ng\u1eef c\u1ee7a m\u1eabu \u0111\u01a1n \u0111\u0103ng k\u00fd;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-1-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-4 .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-6e5180d4-check-1-4 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\">ng\u00f4n ng\u1eef c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, bao g\u1ed3m c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m v\u00e0 h\u01b0\u1edbng d\u1eabn x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-1-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-1-5 .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-6e5180d4-check-1-5 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\">k\u00eanh m\u00e0 qua \u0111\u00f3 b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3i th\u00edch nh\u1eefng n\u1ed9i dung ch\u01b0a hi\u1ec3u r\u00f5.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u h\u1ecfi c\u1ea7n ph\u1ea3i c\u1ee5 th\u1ec3: \u201eT\u00f4i c\u00f3 th\u1ec3 b\u00e1o c\u00e1o s\u1ef1 c\u1ed1 v\u00e0 nh\u1eadn h\u01b0\u1edbng d\u1eabn b\u1eb1ng ng\u00f4n ng\u1eef n\u00e0o?\u201d. Sau \u0111\u00f3, h\u00e3y ki\u1ec3m tra xem c\u00e2u tr\u1ea3 l\u1eddi c\u00f3 li\u00ean quan \u0111\u1ebfn \u0111i\u1ec7n tho\u1ea1i, bi\u1ec3u m\u1eabu hay k\u00eanh kh\u00e1c \u0111\u01b0\u1ee3c n\u00eau trong t\u00e0i li\u1ec7u hay kh\u00f4ng. N\u1ebfu b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi b\u1eb1ng v\u0103n b\u1ea3n, <strong>H\u00e3y gi\u1eef l\u1ea1i th\u01b0 tr\u1ea3 l\u1eddi c\u00f9ng v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>. H\u00e3y ghi l\u1ea1i c\u1ea3 ng\u00e0y ki\u1ec3m tra v\u00e0 t\u00ean s\u1ea3n ph\u1ea9m. \u0110\u1eebng coi th\u00f4ng tin n\u00e0y nh\u01b0 m\u1ed9t s\u1ef1 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c quy \u0111\u1ecbnh s\u1ebd kh\u00f4ng bao gi\u1edd thay \u0111\u1ed5i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020 c\u00f3 n\u00eau r\u00f5 r\u1eb1ng th\u00f4ng tin t\u1eeb trung t\u00e2m b\u00e1o \u0111\u1ed9ng \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1eb1ng ti\u1ebfng Ba Lan. \u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 minh h\u1ecda l\u00fd do t\u1ea1i sao kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng c\u00e1c gi\u1ea3 \u0111\u1ecbnh t\u1eeb m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m. Tr\u01b0\u1edbc khi li\u00ean h\u1ec7 kh\u1ea9n c\u1ea5p, h\u00e3y lu\u00f4n s\u1eed d\u1ee5ng th\u00f4ng tin c\u1eadp nh\u1eadt \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu n\u1ed9i dung c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u1eabn c\u00f2n kh\u00f3 hi\u1ec3u, h\u00e3y tham kh\u1ea3o th\u00eam <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/phai-lam-gi-khi-khong-hieu-cac-dieu-khoan-cua-hop-dong-bao-hiem\/\">Ph\u1ea3i l\u00e0m g\u00ec khi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f3 hi\u1ec3u<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pomoc-zaufanej-osoby-lub-tlumacza\">S\u1ef1 gi\u00fap \u0111\u1ee1 t\u1eeb m\u1ed9t ng\u01b0\u1eddi \u0111\u00e1ng tin c\u1eady ho\u1eb7c m\u1ed9t phi\u00ean d\u1ecbch vi\u00ean<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t ng\u01b0\u1eddi \u0111\u00e1ng tin c\u1eady c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 c\u00e1c c\u00e2u h\u1ecfi, s\u1eafp x\u1ebfp c\u00e1c th\u00f4ng tin v\u00e0 phi\u00ean d\u1ecbch cu\u1ed9c tr\u00f2 chuy\u1ec7n. Tuy nhi\u00ean, s\u1ef1 c\u00f3 m\u1eb7t c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd t\u1ef1 \u0111\u1ed9ng cung c\u1ea5p cho h\u1ecd th\u00f4ng tin v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n. <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh c\u00e1c nguy\u00ean t\u1eafc \u0111\u1ea1i di\u1ec7n cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi tr\u00f2 chuy\u1ec7n, h\u00e3y h\u1ecfi:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 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-items6e5180d4-check-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items6e5180d4-check-2 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-items6e5180d4-check-2 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-2 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items6e5180d4-check-2 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-6e5180d4-check-2-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-1 .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-6e5180d4-check-2-1 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 ng\u01b0\u1eddi th\u1ee9 hai c\u00f3 th\u1ec3 tham gia v\u00e0o cu\u1ed9c tr\u00f2 chuy\u1ec7n v\u1edbi t\u01b0 c\u00e1ch l\u00e0 phi\u00ean d\u1ecbch vi\u00ean hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-2-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-2 .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-6e5180d4-check-2-2 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\">ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i x\u00e1c nh\u1eadn danh t\u00ednh v\u00e0 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a m\u00ecnh v\u1ec1 vi\u1ec7c tham gia nh\u01b0 th\u1ebf n\u00e0o;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-2-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-3 .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-6e5180d4-check-2-3 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\u00f3 c\u1ea7n gi\u1ea5y \u1ee7y quy\u1ec1n kh\u00f4ng, v\u00e0 n\u1ebfu c\u00f3 th\u00ec d\u01b0\u1edbi h\u00ecnh th\u1ee9c n\u00e0o;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-2-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-4 .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-6e5180d4-check-2-4 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\">nh\u1eefng th\u00f4ng tin n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c cung c\u1ea5p cho ng\u01b0\u1eddi h\u1ed7 tr\u1ee3;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-2-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-2-5 .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-6e5180d4-check-2-5 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\">C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 li\u00ean h\u1ec7 v\u1edbi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u1ea1i di\u1ec7n c\u1ee7a h\u1ecd qua s\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u00e3 cung c\u1ea5p hay kh\u00f4ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a UNIQA n\u0103m 2020 quy \u0111\u1ecbnh vi\u1ec7c cung c\u1ea5p s\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 trung t\u00e2m \u1ee9ng c\u1ee9u kh\u1ea9n c\u1ea5p c\u00f3 th\u1ec3 li\u00ean h\u1ec7 v\u1edbi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u1ea1i di\u1ec7n c\u1ee7a h\u1ecd, c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng c\u1ea5p c\u00e1c gi\u1ea5y \u1ee7y quy\u1ec1n c\u1ea7n thi\u1ebft. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 cam k\u1ebft v\u1ec1 s\u1ef1 tham gia c\u1ee7a phi\u00ean d\u1ecbch vi\u00ean. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y cho th\u1ea5y r\u1eb1ng <strong>c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd v\u00e0 gi\u1ea5y \u1ee7y quy\u1ec1n<\/strong> t\u00f9y thu\u1ed9c v\u00e0o c\u00e1ch x\u1eed l\u00fd v\u1ee5 vi\u1ec7c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi li\u00ean h\u1ec7, b\u1ea1n c\u0169ng n\u00ean x\u00e1c \u0111\u1ecbnh r\u00f5 <strong>ph\u1ea1m vi d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c cung c\u1ea5p<\/strong>. Ng\u01b0\u1eddi h\u1ed7 tr\u1ee3 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i n\u1eafm r\u00f5 to\u00e0n b\u1ed9 s\u1ef1 vi\u1ec7c, n\u1ebfu vai tr\u00f2 c\u1ee7a h\u1ecd ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf vi\u1ec7c phi\u00ean d\u1ecbch cu\u1ed9c tr\u00f2 chuy\u1ec7n hi\u1ec7n t\u1ea1i. H\u00e3y th\u1ea3o lu\u1eadn xem ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 th\u1ec3 truy\u1ec1n \u0111\u1ea1t nh\u1eefng th\u00f4ng tin n\u00e0o v\u00e0 li\u1ec7u h\u1ecd c\u00f3 n\u00ean tr\u1ea3 l\u1eddi thay m\u1eb7t cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hay kh\u00f4ng. Vi\u1ec7c x\u00e1c \u0111\u1ecbnh r\u00f5 \u0111i\u1ec1u n\u00e0y s\u1ebd gi\u1ea3m thi\u1ec3u r\u1ee7i ro r\u1eb1ng d\u01b0\u1edbi \u00e1p l\u1ef1c th\u1eddi gian, nh\u1eefng th\u00f4ng tin kh\u00f4ng li\u00ean quan \u0111\u1ebfn m\u1ee5c \u0111\u00edch c\u1ee7a cu\u1ed9c tr\u00f2 chuy\u1ec7n s\u1ebd b\u1ecb ti\u1ebft l\u1ed9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi th\u00f4ng tin y t\u1ebf, c\u00f3 th\u1ec3 s\u1ebd c\u00f3 th\u00eam m\u1ed9t s\u1ed1 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh. V\u00ed d\u1ee5, \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa n\u0103m 2026 quy \u0111\u1ecbnh kh\u1ea3 n\u0103ng y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin t\u1eeb c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5 y t\u1ebf, khi \u0111i\u1ec1u n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Qu\u00fd v\u1ecb n\u00ean ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 trong t\u00e0i li\u1ec7u c\u1ee7a ch\u00ednh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-przygotowac-przed-kontaktem-z-ubezpieczycielem\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec tr\u01b0\u1edbc khi li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t b\u1ea3n ghi ch\u00fa ng\u1eafn g\u1ecdn, c\u00f3 h\u1ec7 th\u1ed1ng s\u1ebd gi\u00fap gi\u1ea3m thi\u1ec3u nguy c\u01a1 th\u00f4ng tin quan tr\u1ecdng b\u1ecb b\u1ecf s\u00f3t trong qu\u00e1 tr\u00ecnh d\u1ecbch thu\u1eadt. B\u1ea3n ghi ch\u00fa n\u00e0y ch\u1ec9 n\u00ean bao g\u1ed3m nh\u1eefng th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 v\u00e0 lo\u1ea1i h\u1ed7 tr\u1ee3 mong \u0111\u1ee3i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chu\u1ea9n b\u1ecb:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 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-items6e5180d4-check-3 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items6e5180d4-check-3 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-items6e5180d4-check-3 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items6e5180d4-check-3 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items6e5180d4-check-3 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-6e5180d4-check-3-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-1 .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-6e5180d4-check-3-1 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\"><strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-3-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-2 .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-6e5180d4-check-3-2 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\">h\u1ecd v\u00e0 t\u00ean c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-3-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-3 .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-6e5180d4-check-3-3 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\">s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean l\u1ea1c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-3-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-4 .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-6e5180d4-check-3-4 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\"><strong>m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn v\u1ec1 s\u1ef1 vi\u1ec7c<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-6e5180d4-check-3-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-6e5180d4-check-3-5 .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-6e5180d4-check-3-5 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\">th\u00f4ng tin v\u1ec1 lo\u1ea1i h\u1ed7 tr\u1ee3 m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ea7n.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed9 h\u01b0\u1edbng d\u1eabn n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c th\u00f4ng tin \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a UNIQA n\u0103m 2020. Khi li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m b\u00e1o \u0111\u1ed9ng, qu\u00fd kh\u00e1ch c\u1ea7n gi\u1ea3i th\u00edch r\u00f5 t\u00ecnh hu\u1ed1ng, x\u00e1c \u0111\u1ecbnh lo\u1ea1i h\u1ed7 tr\u1ee3 c\u1ea7n thi\u1ebft v\u00e0 cung c\u1ea5p c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y tr\u00ecnh b\u00e0y m\u00f4 t\u1ea3 theo th\u1ee9 t\u1ef1 sau: s\u1ef1 vi\u1ec7c \u0111\u00e3 x\u1ea3y ra nh\u01b0 th\u1ebf n\u00e0o, th\u1eddi gian v\u00e0 \u0111\u1ecba \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 vi\u1ec7c, lo\u1ea1i h\u1ed7 tr\u1ee3 c\u1ea7n thi\u1ebft, c\u0169ng nh\u01b0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 li\u00ean h\u1ec7 v\u1edbi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u1ea1i di\u1ec7n c\u1ee7a h\u1ecd. Kh\u00f4ng n\u00ean \u0111\u01b0a ra nh\u1eefng ph\u1ecfng \u0111o\u00e1n. N\u1ebfu b\u1ea1n s\u1eed d\u1ee5ng d\u1ecbch gi\u1ea3, b\u1ea1n c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb c\u00f9ng m\u1ed9t b\u1ea3n ghi ch\u00fa ng\u1eafn n\u00e0y b\u1eb1ng ti\u1ebfng Ba Lan v\u00e0 b\u1eb1ng ng\u00f4n ng\u1eef m\u00e0 b\u1ea1n s\u1eed d\u1ee5ng th\u00e0nh th\u1ea1o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng mu\u1ed9n h\u01a1n, c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i cung c\u1ea5p m\u00f4 t\u1ea3 v\u1ec1 c\u00e1c t\u00ecnh ti\u1ebft, h\u1ed3 s\u01a1 y t\u1ebf, h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n. <strong>H\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u ngay t\u1eeb khi v\u1ee5 vi\u1ec7c b\u1eaft \u0111\u1ea7u<\/strong>, nh\u01b0ng \u0111\u1eebng cho r\u1eb1ng danh s\u00e1ch n\u00e0y \u00e1p d\u1ee5ng gi\u1ed1ng h\u1ec7t nhau cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. <strong>B\u1ed9 s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng s\u1ea3n ph\u1ea9m v\u00e0 s\u1ef1 ki\u1ec7n<\/strong> v\u00e0 ph\u1ea3i d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee7a ch\u00ednh m\u00ecnh c\u0169ng nh\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi g\u1eedi bi\u1ec3u m\u1eabu, h\u00e3y ki\u1ec3m tra ch\u00ednh t\u1ea3 h\u1ecd v\u00e0 s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu kh\u00f4ng hi\u1ec3u n\u1ed9i dung c\u1ee7a \u00f4 n\u00e0o, h\u00e3y y\u00eau c\u1ea7u gi\u1ea3i th\u00edch \u00fd ngh\u0129a c\u1ee7a \u00f4 \u0111\u00f3. <strong>\u0110\u1eebng \u0111o\u00e1n c\u00e1c c\u00e2u tr\u1ea3 l\u1eddi li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1 ho\u1eb7c t\u00e0i li\u1ec7u<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"porownanie-cen-klc\">So s\u00e1nh gi\u00e1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m KLC trong 12 th\u00e1ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u00e1 \u0111\u01b0\u1ee3c l\u1ea5y t\u1eeb c\u00e1c c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n tr\u1ef1c tuy\u1ebfn c\u1ee7a c\u00e1c nh\u00e0 cung c\u1ea5p v\u00e0 \u0111\u01b0\u1ee3c tra c\u1ee9u v\u00e0o ng\u00e0y 26 th\u00e1ng 10 n\u0103m 2026. C\u00e1c h\u1ed3 s\u01a1 b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh \u0111\u00e3 \u0111\u01b0\u1ee3c so s\u00e1nh; trong m\u1ed7i tr\u01b0\u1eddng h\u1ee3p, Polisarium \u0111\u1ec1u c\u00f3 m\u1ee9c gi\u00e1 r\u1ebb nh\u1ea5t so v\u1edbi c\u00e1c \u01b0u \u0111\u00e3i \u0111\u01b0\u1ee3c tra c\u1ee9u. C\u00e1c b\u1ea3ng so s\u00e1nh \u01b0u \u0111\u00e3i s\u1ebd xu\u1ea5t hi\u1ec7n ngay d\u01b0\u1edbi \u0111o\u1ea1n v\u0103n n\u00e0y.<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"klc-porownanie__profil wp-block-paragraph\">H\u1ed3 s\u01a1 1: m\u1ed9t ng\u01b0\u1eddi 30 tu\u1ed5i, b\u1ea3o hi\u1ec3m trong 12 th\u00e1ng t\u1ea1i Ba Lan, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb 30.000 EUR, kh\u00f4ng bao g\u1ed3m b\u1ea3o hi\u1ec3m cho c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie__oferty\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group klc-oferta klc-oferta--najtansza\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"klc-oferta__etykieta wp-block-paragraph\">Gi\u00e1 th\u1ea5p nh\u1ea5t<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Polisarium<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Europ Assistance<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">481 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">iExpert<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Colonnade<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">556 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Wiener<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Wiener<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">691 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"klc-porownanie__profil wp-block-paragraph\">H\u1ed3 s\u01a1 2: m\u1ed9t ng\u01b0\u1eddi 30 tu\u1ed5i, b\u1ea3o hi\u1ec3m trong 12 th\u00e1ng t\u1ea1i Ba Lan v\u00e0 khu v\u1ef1c Schengen, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb 30.000 EUR, kh\u00f4ng bao g\u1ed3m lao \u0111\u1ed9ng ch\u00e2n tay<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie__oferty\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group klc-oferta klc-oferta--najtansza\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"klc-oferta__etykieta wp-block-paragraph\">Gi\u00e1 th\u1ea5p nh\u1ea5t<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Polisarium<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Europ Assistance<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">609 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">iExpert<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Colonnade<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">612 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"klc-porownanie__uwaga wp-block-paragraph\">Gi\u00e1 \u0111\u01b0\u1ee3c l\u1ea5y t\u1eeb c\u00e1c c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n tr\u1ef1c tuy\u1ebfn c\u1ee7a c\u00e1c nh\u00e0 cung c\u1ea5p, c\u1eadp nh\u1eadt \u0111\u1ebfn ng\u00e0y 26\/10\/2026. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n<\/div><\/div>\n\n\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>L\u01b0u \u00fd:<\/strong><\/p>\n\n\n<p class=\"wp-block-paragraph\">Gi\u00e1 c\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m; c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 c\u00f3 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb kh\u00e1c nhau. M\u1ee9c gi\u00e1 \u0111\u01b0\u1ee3c hi\u1ec3n th\u1ecb v\u00e0o m\u1ed9t ng\u00e0y c\u1ee5 th\u1ec3 kh\u00f4ng \u0111\u1ea3m b\u1ea3o l\u1ee3i th\u1ebf v\u1ec1 gi\u00e1 trong t\u01b0\u01a1ng lai v\u00e0 kh\u00f4ng th\u1ec3 thay th\u1ebf cho vi\u1ec7c ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u ki\u1ec7n hi\u1ec7n h\u00e0nh d\u1ef1a tr\u00ean th\u00f4ng tin th\u1ef1c t\u1ebf c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przeprowadzic-rozmowe-krok-po-kroku\">C\u00e1ch ti\u1ebfn h\u00e0nh cu\u1ed9c ph\u1ecfng v\u1ea5n t\u1eebng b\u01b0\u1edbc m\u1ed9t<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng <strong>X\u00e1c \u0111\u1ecbnh ng\u00f4n ng\u1eef v\u00e0 vai tr\u00f2 c\u1ee7a ng\u01b0\u1eddi h\u1ed7 tr\u1ee3<\/strong>. H\u00e3y th\u00f4ng b\u00e1o r\u1eb1ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111ang c\u00f3 m\u1eb7t, nh\u01b0ng c\u1ea7n s\u1ef1 h\u1ed7 tr\u1ee3 v\u1ec1 ng\u00f4n ng\u1eef. H\u00e3y h\u1ecfi l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 x\u00e1c minh danh t\u00ednh c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 c\u0169ng nh\u01b0 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a h\u1ecd v\u1ec1 vi\u1ec7c c\u00f3 ng\u01b0\u1eddi th\u1ee9 hai tham gia cu\u1ed9c tr\u00f2 chuy\u1ec7n. <strong>Kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n giao b\u1ea5t k\u1ef3 d\u1eef li\u1ec7u n\u00e0o th\u00f4ng qua b\u00ean th\u1ee9 ba m\u00e0 kh\u00f4ng th\u1ecfa thu\u1eadn tr\u01b0\u1edbc c\u00e1c quy \u0111\u1ecbnh<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, vui l\u00f2ng cung c\u1ea5p s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd v\u00e0 t\u00ean, c\u00f9ng s\u1ed1 \u0111i\u1ec7n tho\u1ea1i. H\u00e3y m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn t\u00ecnh hu\u1ed1ng v\u00e0 lo\u1ea1i h\u1ed7 tr\u1ee3 b\u1ea1n c\u1ea7n. N\u1ebfu c\u00e2u h\u1ecfi c\u1ee7a nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n kh\u00f4ng r\u00f5 r\u00e0ng, h\u00e3y y\u00eau c\u1ea7u h\u1ecd l\u1eb7p l\u1ea1i b\u1eb1ng nh\u1eefng t\u1eeb ng\u1eef \u0111\u01a1n gi\u1ea3n h\u01a1n. Ng\u01b0\u1eddi phi\u00ean d\u1ecbch n\u00ean d\u1ecbch l\u1ea1i l\u1eddi n\u00f3i, ch\u1ee9 kh\u00f4ng n\u00ean b\u1ed5 sung b\u1eb1ng nh\u1eefng suy \u0111o\u00e1n c\u1ee7a ri\u00eang m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cu\u1ed1i c\u00f9ng, h\u00e3y ghi l\u1ea1i c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c. H\u00e3y t\u00f3m t\u1eaft l\u1ea1i b\u1eb1ng l\u1eddi c\u1ee7a ch\u00ednh b\u1ea1n v\u00e0 y\u00eau c\u1ea7u \u0111\u1ed1i ph\u01b0\u01a1ng x\u00e1c nh\u1eadn r\u1eb1ng b\u1ea1n \u0111\u00e3 hi\u1ec3u \u0111\u00fang. Ghi l\u1ea1i nh\u1eefng t\u00e0i li\u1ec7u c\u1ea7n n\u1ed9p, qua k\u00eanh n\u00e0o, c\u0169ng nh\u01b0 li\u1ec7u c\u00f3 c\u1ea7n th\u00eam s\u1ef1 \u0111\u1ed3ng \u00fd hay gi\u1ea5y \u1ee7y quy\u1ec1n hay kh\u00f4ng. <strong>H\u00e3y t\u00e1ch ri\u00eang c\u00e1c h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u1ecfi c\u00e1c ghi ch\u00fa c\u1ee7a b\u1ea3n th\u00e2n<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ecnh t\u1ef1 th\u1ef1c t\u1ebf c\u1ee7a cu\u1ed9c tr\u00f2 chuy\u1ec7n:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>x\u00e1c \u0111\u1ecbnh ng\u00f4n ng\u1eef c\u00f3 s\u1eb5n;<\/li>\n<li>x\u00e1c minh danh t\u00ednh c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m;<\/li>\n<li>th\u1ecfa thu\u1eadn v\u1ec1 s\u1ef1 tham gia c\u1ee7a phi\u00ean d\u1ecbch vi\u00ean ho\u1eb7c \u0111\u1ea1i di\u1ec7n;<\/li>\n<li>cung c\u1ea5p th\u00f4ng tin v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng;<\/li>\n<li>l\u01b0u l\u1ea1i h\u01b0\u1edbng d\u1eabn v\u00e0 danh s\u00e1ch c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft.<\/li>\n<\/ol>\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<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-ubezpieczyciel-musi-obsluzyc-mnie-po-angielsku\">C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i ph\u1ee5c v\u1ee5 t\u00f4i b\u1eb1ng ti\u1ebfng Anh kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean cho r\u1eb1ng \u0111i\u1ec1u \u0111\u00f3 l\u00e0 hi\u1ec3n nhi\u00ean. C\u1ea7n ki\u1ec3m tra ng\u00f4n ng\u1eef \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 cho t\u1eebng s\u1ea3n ph\u1ea9m v\u00e0 k\u00eanh li\u00ean h\u1ec7 c\u1ee5 th\u1ec3. Th\u00f4ng tin thu th\u1eadp \u0111\u01b0\u1ee3c tr\u01b0\u1edbc khi mua h\u00e0ng r\u1ea5t h\u1eefu \u00edch, nh\u01b0ng <strong>kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng ng\u00f4n ng\u1eef \u0111\u00e3 ch\u1ecdn s\u1ebd lu\u00f4n c\u00f3 s\u1eb5n<\/strong>.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-bliska-osoba-moze-tlumaczyc-rozmowe\">Ng\u01b0\u1eddi th\u00e2n c\u00f3 th\u1ec3 phi\u00ean d\u1ecbch cu\u1ed9c tr\u00f2 chuy\u1ec7n \u0111\u01b0\u1ee3c kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 h\u1eefu \u00edch n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ea5p nh\u1eadn h\u00ecnh th\u1ee9c li\u00ean l\u1ea1c n\u00e0y v\u00e0 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 x\u00e1c minh danh t\u00ednh c\u0169ng nh\u01b0 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng. <strong>Tr\u01b0\u1edbc khi chuy\u1ec3n d\u1eef li\u1ec7u, h\u00e3y x\u00e1c nh\u1eadn c\u00e1c th\u1ee7 t\u1ee5c c\u1ea7n thi\u1ebft<\/strong>, bao g\u1ed3m c\u1ea3 gi\u1ea5y \u1ee7y quy\u1ec1n (n\u1ebfu c\u00f3).<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"co-przygotowac-przed-kontaktem-z-centrum-alarmowym\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec tr\u01b0\u1edbc khi li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y chu\u1ea9n b\u1ecb s\u1eb5n s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd v\u00e0 t\u00ean c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn v\u1ec1 t\u00ecnh hu\u1ed1ng v\u00e0 th\u00f4ng tin v\u1ec1 s\u1ef1 tr\u1ee3 gi\u00fap c\u1ea7n thi\u1ebft. M\u1ed9t ghi ch\u00fa song ng\u1eef c\u00f3 th\u1ec3 gi\u00fap vi\u1ec7c truy\u1ec1n \u0111\u1ea1t nh\u1eefng th\u00f4ng tin n\u00e0y m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c v\u00e0 kh\u00f4ng b\u1ecb nh\u1ea7m l\u1eabn.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-przy-zgloszeniu\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o khi l\u00e0m th\u1ee7 t\u1ee5c khai b\u00e1o?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">T\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m v\u00e0 s\u1ef1 c\u1ed1, c\u00e1c t\u00e0i li\u1ec7u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m b\u1ea3n m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng, h\u1ed3 s\u01a1 y t\u1ebf, h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n. <strong>H\u00e3y ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u ki\u1ec7n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n<\/strong>, b\u1edfi v\u00ec danh s\u00e1ch n\u00e0y kh\u00f4ng gi\u1ed1ng nhau \u0111\u1ed1i v\u1edbi t\u1eebng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-ubezpieczyciel-moze-poprosic-o-zgode-dotyczaca-danych-medycznych\">C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd li\u00ean quan \u0111\u1ebfn d\u1eef li\u1ec7u y t\u1ebf kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m \u0111\u00e3 quy \u0111\u1ecbnh kh\u1ea3 n\u0103ng n\u00e0y. V\u00ed d\u1ee5, \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa n\u0103m 2026 n\u00eau r\u00f5 kh\u1ea3 n\u0103ng y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin t\u1eeb c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5, khi nh\u1eefng th\u00f4ng tin n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Ph\u1ea1m vi c\u1ee7a s\u1ef1 \u0111\u1ed3ng \u00fd ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng v\u1ee5 vi\u1ec7c.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c x\u1eed l\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m khi kh\u00f4ng th\u00f4ng th\u1ea1o ti\u1ebfng Ba Lan \u0111\u00e3 b\u1eaft \u0111\u1ea7u ngay t\u1eeb tr\u01b0\u1edbc khi mua. <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra ng\u00f4n ng\u1eef v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 li\u00ean h\u1ec7<\/strong> v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, sau \u0111\u00f3 chu\u1ea9n b\u1ecb c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng v\u00e0 ch\u1ec9 \u0111\u1ecbnh ng\u01b0\u1eddi s\u1ebd h\u1ed7 tr\u1ee3 li\u00ean l\u1ea1c sau khi \u0111\u00e3 th\u1ecfa thu\u1eadn tr\u01b0\u1edbc v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vai tr\u00f2 c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 c\u0169ng nh\u01b0 vi\u1ec7c truy\u1ec1n \u0111\u1ea1t th\u00f4ng tin. N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, h\u00e3y s\u1eed d\u1ee5ng m\u1eabu \u0111\u01a1n mua b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh c\u00f3 s\u1eb5n tr\u00ean trang web insurancevisa.com.<\/p>\n\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\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\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c kh\u00f4ng th\u00e0nh th\u1ea1o ti\u1ebfng Ba Lan kh\u00f4ng nh\u1ea5t thi\u1ebft s\u1ebd c\u1ea3n tr\u1edf vi\u1ec7c mua ho\u1eb7c qu\u1ea3n l\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i sau n\u00e0y. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi s\u1ef1 chu\u1ea9n b\u1ecb th\u00edch h\u1ee3p. Tr\u01b0\u1edbc khi\u2026<\/p>","protected":false},"author":1,"featured_media":3889,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[43],"tags":[108,106,105,109,107],"class_list":["post-3890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-problemy-cudzoziemcow","tag-jezyk-centrum-alarmowego","tag-kontakt-z-ubezpieczycielem-po-angielsku","tag-obsluga-polisy-bez-polskiego","tag-pelnomocnik-do-kontaktu-z-ubezpieczycielem","tag-tlumaczenie-podczas-zglaszania-leczenia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Obs\u0142uga polisy bez polskiego \u2013 praktyczny poradnik<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jak ustali\u0107 j\u0119zyk obs\u0142ugi polisy, przygotowa\u0107 dane przed kontaktem z ubezpieczycielem i bezpiecznie skorzysta\u0107 z pomocy t\u0142umacza.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/lam-the-nao-de-xu-ly-hop-dong-bao-hiem-khi-khong-noi-duoc-tieng-ba-lan\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Obs\u0142uga polisy bez polskiego \u2013 praktyczny poradnik\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, jak ustali\u0107 j\u0119zyk obs\u0142ugi polisy, przygotowa\u0107 dane przed kontaktem z ubezpieczycielem i bezpiecznie skorzysta\u0107 z pomocy t\u0142umacza.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/lam-the-nao-de-xu-ly-hop-dong-bao-hiem-khi-khong-noi-duoc-tieng-ba-lan\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance VISA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-05T00:27:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/11\/ai-1e696b009284e475f110f38af91318429a30035a0fee4cb4e5fa776bd6a7808a.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta 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