{"id":3893,"date":"2026-11-09T08:21:26","date_gmt":"2026-11-09T07:21:26","guid":{"rendered":"https:\/\/insurancevisa.com\/?p=3893"},"modified":"2026-11-09T08:21:26","modified_gmt":"2026-11-09T07:21:26","slug":"dieu-tri-khong-dung-tien-mat-hay-hoan-tra-chi-phi-co-che-thanh-toan-dien-ra-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/podstawy-ubezpieczenia-zdrowotnego-w-polsce\/leczenie-bezgotowkowe-czy-zwrot-wydatkow-jak-dziala-rozliczenie\/","title":{"rendered":"\u0110i\u1ec1u tr\u1ecb kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t hay ho\u00e0n tr\u1ea3 chi ph\u00ed \u2013 quy tr\u00ecnh thanh to\u00e1n di\u1ec5n ra nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u0110i\u1ec1u tr\u1ecb kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 ho\u00e0n tr\u1ea3 c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh l\u00e0 <strong>hai c\u00e1ch th\u1ee9c t\u1ed5 ch\u1ee9c thanh to\u00e1n kh\u00e1c nhau<\/strong> cho d\u1ecbch v\u1ee5 y t\u1ebf. Trong tr\u01b0\u1eddng h\u1ee3p th\u1ee9 nh\u1ea5t, vi\u1ec7c thanh to\u00e1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u1ef1c ti\u1ebfp gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u01a1 s\u1edf y t\u1ebf. Trong tr\u01b0\u1eddng h\u1ee3p th\u1ee9 hai, b\u1ec7nh nh\u00e2n t\u1ef1 chi tr\u1ea3 b\u1eb1ng ti\u1ec1n t\u00fai, sau \u0111\u00f3 n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 cung c\u1ea5p c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft. Kh\u00f4ng ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hay m\u1ecdi tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec1u cho ph\u00e9p t\u1ef1 do l\u1ef1a ch\u1ecdn m\u1ed9t trong hai ph\u01b0\u01a1ng th\u1ee9c n\u00e0y. Do \u0111\u00f3, trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n ho\u1eb7c ph\u1ea3i nh\u1eadp vi\u1ec7n, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i ki\u1ec3m tra quy tr\u00ecnh \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3 tr\u01b0\u1edbc khi b\u1ec7nh nh\u00e2n th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 h\u00e0nh \u0111\u1ed9ng n\u00e0o \u2014 mi\u1ec5n l\u00e0 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe cho ph\u00e9p th\u1ef1c hi\u1ec7n vi\u1ec7c li\u00ean h\u1ec7 n\u00e0y.<\/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\n<li><a href=\"#dwa-sposoby-rozliczenia\">Hai ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n n\u00e0y ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n\n\n<li><a href=\"#kontakt-z-ubezpieczycielem\">T\u1ea1i sao vi\u1ec7c li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1ea1i quan tr\u1ecdng?<\/a><\/li>\n\n\n<li><a href=\"#pytania-przed-pomoca\">C\u1ea7n h\u1ecfi nh\u1eefng g\u00ec tr\u01b0\u1edbc khi nh\u1eadn s\u1ef1 tr\u1ee3 gi\u00fap?<\/a><\/li>\n\n\n<li><a href=\"#dokumenty-do-zwrotu\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1eadp h\u1ed3 s\u01a1 ho\u00e0n tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh?<\/a><\/li>\n\n\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n\n<li><a href=\"#podsumowanie\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u00e1t sinh v\u1ea5n \u0111\u1ec1 trong qu\u00e1 tr\u00ecnh thanh to\u00e1n?<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dwa-sposoby-rozliczenia\">Hai ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n n\u00e0y ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Trong m\u00f4 h\u00ecnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, b\u1ec7nh nh\u00e2n kh\u00f4ng ph\u1ea3i ch\u1ecbu c\u00e1c chi ph\u00ed \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong h\u00f3a \u0111\u01a1n. Tuy nhi\u00ean, tr\u01b0\u1edbc khi \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf, b\u1ec7nh nh\u00e2n n\u00ean x\u00e1c nh\u1eadn r\u00f5 ai l\u00e0 \u0111\u01a1n v\u1ecb t\u1ed5 ch\u1ee9c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, n\u01a1i n\u00e0o c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 n\u00e0y v\u00e0 li\u1ec7u c\u00f3 c\u1ea7n x\u00e1c nh\u1eadn tr\u01b0\u1edbc hay kh\u00f4ng. Ch\u1ec9 c\u1ea7n g\u1ecdi \u0111\u1ebfn \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng <strong>kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 s\u1ef1 \u0111\u1ed3ng \u00fd t\u1ef1 \u0111\u1ed9ng<\/strong> \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed. T\u01b0\u01a1ng t\u1ef1, vi\u1ec7c c\u01a1 s\u1edf y t\u1ebf thu\u1ed9c m\u1ea1ng l\u01b0\u1edbi h\u1ee3p t\u00e1c c\u0169ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng m\u1ecdi h\u00ecnh th\u1ee9c h\u1ed7 tr\u1ee3 y t\u1ebf s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n m\u00e0 kh\u00f4ng c\u1ea7n b\u1ec7nh nh\u00e2n ph\u1ea3i \u0111\u00f3ng g\u00f3p t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00f4 h\u00ecnh ho\u00e0n tr\u1ea3 ho\u1ea1t \u0111\u1ed9ng theo c\u00e1ch kh\u00e1c.<\/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>Tr\u01b0\u1edbc ti\u00ean, b\u1ea1n t\u1ef1 chi tr\u1ea3 kho\u1ea3n chi ph\u00ed n\u00e0y<\/strong>, sau \u0111\u00f3 b\u1ea1n g\u1eedi \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng k\u00e8m theo h\u1ed3 s\u01a1 cho c\u00f4ng ty b\u1ea3o hi\u1ec3m. \u0110\u00e2y kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 vi\u1ec7c g\u1eedi l\u1ea1i h\u00f3a \u0111\u01a1n. C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u00e1nh gi\u00e1 t\u00ednh h\u1ee3p l\u1ec7 c\u1ee7a y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng d\u1ef1a tr\u00ean \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), c\u00e1c t\u00ecnh ti\u1ebft c\u1ee7a s\u1ef1 c\u1ed1 v\u00e0 h\u1ed3 s\u01a1 c\u1ea7n thi\u1ebft. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa n\u0103m 2020 c\u00f3 n\u00eau r\u00f5 r\u1eb1ng t\u00ednh h\u1ee3p l\u1ec7 c\u1ee7a y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 m\u1ee9c ti\u1ec1n b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung ho\u1eb7c do c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u1ecbnh, \u0111\u01b0\u1ee3c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ho\u1eb7c b\u00ean th\u1ee9 ba n\u1ed9p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong th\u1ef1c t\u1ebf <strong>Quy\u1ebft \u0111\u1ecbnh ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3<\/strong>. Kh\u00f4ng n\u00ean cho r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 \u00fd ch\u1ecdn nh\u1eadn ti\u1ec1n ho\u00e0n tr\u1ea3 thay v\u00ec d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, ho\u1eb7c ng\u01b0\u1ee3c l\u1ea1i. N\u1ebfu b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng l\u00e0m t\u00e0i li\u1ec7u cho th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c, b\u1ea1n n\u00ean ki\u1ec3m tra tr\u01b0\u1edbc c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c v\u00e0 quy tr\u00ecnh s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m. Vi\u1ec7c t\u00ecm hi\u1ec3u c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a <a href=\"https:\/\/schengeninsurance.pl\/ubezpieczenie-cudzoziemcow-do-wizy-krajowej\/\" target=\"_blank\" rel=\"noopener noreferrer\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i khi xin th\u1ecb th\u1ef1c n\u1ed9i \u0111\u1ecba<\/a> v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kontakt-z-ubezpieczycielem\">T\u1ea1i sao vi\u1ec7c li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1ea1i quan tr\u1ecdng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Li\u00ean h\u1ec7 s\u1edbm s\u1ebd gi\u00fap x\u00e1c \u0111\u1ecbnh h\u01b0\u1edbng x\u1eed l\u00fd ph\u00f9 h\u1ee3p. Khi t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p nh\u01b0ng t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe v\u1eabn cho ph\u00e9p tr\u00f2 chuy\u1ec7n, <strong>h\u00e3y li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m b\u00e1o \u0111\u1ed9ng<\/strong> theo s\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u01b0\u1ee3c ghi trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. \u0110\u1eebng s\u1eed d\u1ee5ng s\u1ed1 \u0111i\u1ec7n tho\u1ea1i ng\u1eabu nhi\u00ean t\u00ecm th\u1ea5y tr\u00ean m\u1ea1ng n\u1ebfu b\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn r\u1eb1ng \u0111\u00f3 l\u00e0 s\u1ed1 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c th\u1ee7 t\u1ee5c kh\u00e1c nhau t\u00f9y theo t\u1eebng s\u1ea3n ph\u1ea9m. Theo \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 C\u1ea5p c\u1ee9u, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ea7n cung c\u1ea5p th\u00f4ng tin v\u1ec1 t\u00ecnh hu\u1ed1ng s\u1ef1 c\u1ed1, lo\u1ea1i h\u00ecnh h\u1ed7 tr\u1ee3 c\u1ea7n thi\u1ebft, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd t\u00ean v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng quy \u0111\u1ecbnh vi\u1ec7c cung c\u1ea5p th\u00f4ng tin y t\u1ebf v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c h\u01b0\u1edbng d\u1eabn c\u1ee7a Trung t\u00e2m C\u1ea5p c\u1ee9u. \u0110\u00e2y l\u00e0 v\u00ed d\u1ee5 li\u00ean quan \u0111\u1ebfn m\u1ed9t t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 h\u01b0\u1edbng d\u1eabn chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong cu\u1ed9c tr\u00f2 chuy\u1ec7n, h\u00e3y y\u00eau c\u1ea7u \u0111\u1ed1i ph\u01b0\u01a1ng ch\u1ec9 r\u00f5 c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo v\u00e0 <strong>ghi l\u1ea1i s\u1ed1 v\u1ee5 vi\u1ec7c<\/strong>, n\u1ebfu c\u00f3 \u0111\u01b0\u1ee3c cung c\u1ea5p. H\u00e3y ghi l\u1ea1i ng\u00e0y li\u00ean h\u1ec7, t\u00ean c\u01a1 s\u1edf y t\u1ebf \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh v\u00e0 th\u00f4ng tin v\u1ec1 vi\u1ec7c b\u1ea1n c\u00f3 ph\u1ea3i thanh to\u00e1n g\u00ec t\u1ea1i ch\u1ed7 hay kh\u00f4ng. Nh\u1eefng ghi ch\u00fa n\u00e0y kh\u00f4ng thay th\u1ebf cho c\u00e1c t\u00e0i li\u1ec7u m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u, nh\u01b0ng s\u1ebd gi\u00fap b\u1ea1n t\u00e1i hi\u1ec7n l\u1ea1i di\u1ec5n bi\u1ebfn c\u1ee7a c\u00e1c th\u1ecfa thu\u1eadn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu t\u00ecnh tr\u1ea1ng b\u1ec7nh nh\u00e2n \u0111\u00f2i h\u1ecfi ph\u1ea3i \u0111\u01b0\u1ee3c c\u1ea5p c\u1ee9u ngay l\u1eadp t\u1ee9c, \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u l\u00e0 \u0111\u1ea3m b\u1ea3o an to\u00e0n cho b\u1ec7nh nh\u00e2n. Sau khi t\u00ecnh h\u00ecnh \u0111\u00e3 \u1ed5n \u0111\u1ecbnh, c\u1ea7n ki\u1ec3m tra quy tr\u00ecnh th\u00f4ng b\u00e1o theo quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t. Tuy nhi\u00ean, kh\u00f4ng n\u00ean t\u1ef1 cho r\u1eb1ng s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed ho\u1eb7c b\u1ecb t\u1eeb ch\u1ed1i thanh to\u00e1n ch\u1ec9 v\u00ec tr\u01b0\u1edbc \u0111\u00f3 kh\u00f4ng th\u1ec3 li\u00ean h\u1ec7 \u0111\u01b0\u1ee3c. K\u1ebft qu\u1ea3 n\u00e0y ph\u1ea3i d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 vi\u1ec7c \u0111\u00e1nh gi\u00e1 c\u00e1c t\u00ecnh ti\u1ebft c\u1ee7a s\u1ef1 vi\u1ec7c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pytania-przed-pomoca\">C\u1ea7n h\u1ecfi nh\u1eefng g\u00ec tr\u01b0\u1edbc khi nh\u1eadn s\u1ef1 tr\u1ee3 gi\u00fap?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu ho\u00e0n c\u1ea3nh cho ph\u00e9p, <strong>tr\u01b0\u1edbc khi \u0111\u1ebfn c\u01a1 s\u1edf<\/strong> H\u00e3y th\u1ecfa thu\u1eadn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 c\u00e1ch th\u1ee9c x\u1eed l\u00fd. B\u1ea1n n\u00ean d\u1ef1a v\u00e0o m\u1ed9t danh s\u00e1ch ng\u1eafn c\u00e1c c\u00e2u h\u1ecfi \u0111\u1ec3 ti\u1ebfn h\u00e0nh cu\u1ed9c tr\u00f2 chuy\u1ec7n:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb141b5a2-pytania:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb141b5a2-pytania 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-itemsb141b5a2-pytania ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb141b5a2-pytania .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb141b5a2-pytania ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsb141b5a2-pytania 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-itemsb141b5a2-pytania ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb141b5a2-pytania .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb141b5a2-pytania ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb141b5a2-pytania .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsb141b5a2-pytania 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-b141b5a2-pytanie-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b141b5a2-pytanie-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-b141b5a2-pytanie-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>Ai l\u00e0 ng\u01b0\u1eddi t\u1ed5 ch\u1ee9c c\u00f4ng t\u00e1c c\u1ee9u tr\u1ee3?<\/strong> \u2014 C\u00f4ng ty b\u1ea3o hi\u1ec3m, trung t\u00e2m ti\u1ebfp nh\u1eadn cu\u1ed9c g\u1ecdi kh\u1ea9n c\u1ea5p hay b\u1ec7nh nh\u00e2n?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b141b5a2-pytanie-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b141b5a2-pytanie-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-b141b5a2-pytanie-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\"><strong>C\u00f3 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n kh\u00f4ng?<\/strong> tr\u01b0\u1edbc khi \u0111\u01b0\u1ee3c nh\u1eadn v\u00e0o c\u01a1 s\u1edf \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b141b5a2-pytanie-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b141b5a2-pytanie-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-b141b5a2-pytanie-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\"><strong>C\u01a1 s\u1edf \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh ch\u01b0a?<\/strong> li\u00ean quan \u0111\u1ebfn s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3 n\u00e0y, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp chung chung l\u00e0 m\u1ed9t \u0111\u1ed1i t\u00e1c h\u1ee3p t\u00e1c?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b141b5a2-pytanie-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b141b5a2-pytanie-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-b141b5a2-pytanie-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>C\u00f3 ph\u1ea3i tr\u1ea3 ti\u1ec1n kh\u00f4ng?<\/strong> t\u1ea1i ch\u1ed7, v\u00e0 n\u1ebfu c\u00f3, c\u1ea7n nh\u1eadn nh\u1eefng ch\u1ee9ng t\u1eeb thanh to\u00e1n n\u00e0o?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b141b5a2-pytanie-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b141b5a2-pytanie-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-b141b5a2-pytanie-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 \u0111\u00e3 c\u1ea5p s\u1ed1 h\u1ed3 s\u01a1 v\u00e0 \u0111\u01b0a ra c\u00e1c h\u01b0\u1edbng d\u1eabn ti\u1ebfp theo ch\u01b0a?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b141b5a2-pytanie-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b141b5a2-pytanie-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-b141b5a2-pytanie-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\">Sau khi k\u1ebft th\u00fac ch\u01b0\u01a1ng tr\u00ecnh h\u1ed7 tr\u1ee3, s\u1ebd c\u1ea7n nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd y t\u1ebf v\u00e0 t\u00e0i ch\u00ednh n\u00e0o?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b141b5a2-pytanie-7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b141b5a2-pytanie-7 .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-b141b5a2-pytanie-7 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\">N\u00ean n\u1ed9p \u0111\u01a1n \u0111\u0103ng k\u00fd \u1edf \u0111\u00e2u v\u00e0 b\u1eb1ng c\u00e1ch n\u00e0o?<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1ee5m t\u1eeb \u201ec\u01a1 s\u1edf y t\u1ebf \u0111\u1ed1i t\u00e1c\u201d kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c coi l\u00e0 s\u1ef1 \u0111\u1ea3m b\u1ea3o v\u1ec1 vi\u1ec7c thanh to\u00e1n. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i c\u00f3 x\u00e1c nh\u1eadn c\u1ee5 th\u1ec3 v\u1ec1 b\u1ec7nh nh\u00e2n, tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec1u tr\u1ecb v\u00e0 d\u1ecbch v\u1ee5 y t\u1ebf \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh. N\u1ebfu nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n kh\u00f4ng x\u00e1c nh\u1eadn kh\u1ea3 n\u0103ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, c\u1ea7n h\u1ecfi tr\u1ef1c ti\u1ebfp xem b\u1ec7nh nh\u00e2n c\u00f3 ph\u1ea3i t\u1ef1 thanh to\u00e1n hay kh\u00f4ng v\u00e0 ti\u1ebfn h\u00e0nh th\u1ee7 t\u1ee5c ho\u00e0n tr\u1ea3. Kh\u00f4ng n\u00ean t\u1ef1 suy \u0111o\u00e1n c\u00e2u tr\u1ea3 l\u1eddi d\u1ef1a tr\u00ean qu\u1ea3ng c\u00e1o, t\u00ean g\u00f3i b\u1ea3o hi\u1ec3m hay kinh nghi\u1ec7m tr\u01b0\u1edbc \u0111\u00e2y v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 tham kh\u1ea3o c\u00e1c ti\u00eau ch\u00ed kh\u00e1c <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/co-so-cua-bao-hiem-y-te-o-ba-lan\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai-nen-chon-loai-nao\/\">L\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. B\u1edfi v\u00ec ch\u1ec9 ri\u00eang m\u1ee9c b\u1ea3o hi\u1ec3m th\u00f4i th\u00ec ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 gi\u1ea3i th\u00edch quy tr\u00ecnh th\u00f4ng b\u00e1o di\u1ec5n ra nh\u01b0 th\u1ebf n\u00e0o v\u00e0 ai l\u00e0 ng\u01b0\u1eddi t\u1ed5 ch\u1ee9c vi\u1ec7c h\u1ed7 tr\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dokumenty-do-zwrotu\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1eadp h\u1ed3 s\u01a1 ho\u00e0n tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u1ecbnh h\u00ecnh th\u1ee9c ho\u00e0n tr\u1ea3 ho\u1eb7c b\u1ec7nh nh\u00e2n \u0111\u00e3 t\u1ef1 chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb theo th\u1ee7 t\u1ee5c quy \u0111\u1ecbnh, c\u1ea7n ph\u1ea3i thu th\u1eadp c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa n\u0103m 2020, khi n\u1ed9p y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, c\u1ea7n n\u00eau r\u00f5 s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 t\u00ecnh hu\u1ed1ng, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf k\u00e8m ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u0169ng nh\u01b0 c\u00e1c h\u00f3a \u0111\u01a1n, bi\u00ean lai, t\u00e0i li\u1ec7u c\u1ee7a b\u1ec7nh vi\u1ec7n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n. Do \u0111\u00f3, h\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u n\u00eau tr\u00ean <strong>h\u1ed3 s\u01a1 y t\u1ebf<\/strong>, h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 <strong>b\u1eb1ng ch\u1ee9ng thanh to\u00e1n<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ed3 s\u01a1 c\u1ea7n bao g\u1ed3m c\u00e1c th\u00f4ng tin cho ph\u00e9p li\u00ean k\u1ebft chi ph\u00ed v\u1edbi m\u1ed9t s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 vi\u1ec7c c\u00f3 \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 \u0111\u00e3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3. H\u1ed3 s\u01a1 n\u00e0y nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 <strong>ch\u01b0a quy\u1ebft \u0111\u1ecbnh vi\u1ec7c chi tr\u1ea3<\/strong>.<\/p>\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 Compensa n\u0103m 2026 quy \u0111\u1ecbnh r\u1eb1ng sau khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 thi\u1ec7t h\u1ea1i, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u, trong s\u1ed1 c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c, h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb c\u0169ng nh\u01b0 b\u1ea3ng d\u1ef1 to\u00e1n chi ph\u00ed ho\u1eb7c h\u00f3a \u0111\u01a1n li\u00ean quan \u0111\u1ebfn c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh. C\u00f4ng ty c\u0169ng c\u00f3 th\u1ec3 ki\u1ec3m tra c\u00e1c h\u00f3a \u0111\u01a1n, b\u1ea3ng k\u00ea chi ph\u00ed v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c t\u00ecnh ti\u1ebft, m\u1ee9c \u0111\u1ed9 v\u00e0 gi\u00e1 tr\u1ecb thi\u1ec7t h\u1ea1i. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ea7n thi\u1ebft, bao g\u1ed3m h\u1ed3 s\u01a1 y t\u1ebf, tu\u00e2n th\u1ee7 c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c, v\u00e0 Compensa c\u00f3 th\u1ec3 y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin y t\u1ebf c\u1ea7n thi\u1ebft cho vi\u1ec7c \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi \u0111\u0103ng k\u00fd, h\u00e3y ki\u1ec3m tra:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>B\u1ea1n c\u00f3 \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft cho v\u1ee5 vi\u1ec7c c\u1ee7a m\u00ecnh kh\u00f4ng;<\/li>\n\n\n<li>B\u1ea1n c\u00f3 gi\u1eef l\u1ea1i c\u00e1c h\u00f3a \u0111\u01a1n, b\u1ea3ng d\u1ef1 to\u00e1n ho\u1eb7c h\u00f3a \u0111\u01a1n thanh to\u00e1n kh\u00f4ng;<\/li>\n\n\n<li>li\u1ec7u c\u00e1c t\u00e0i li\u1ec7u c\u00f3 cho ph\u00e9p li\u00ean k\u1ebft c\u00e1c chi ph\u00ed v\u1edbi m\u1ed9t s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3 hay kh\u00f4ng;<\/li>\n\n\n<li>B\u1ea1n c\u00f3 bi\u1ebft c\u00e1c khuy\u1ebfn ngh\u1ecb do c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a ra kh\u00f4ng;<\/li>\n\n\n<li>C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin y t\u1ebf hay kh\u00f4ng?<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u0169ng c\u1ea7n l\u01b0u \u00fd th\u1eddi h\u1ea1n \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng c\u1ee7a m\u00ecnh. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ Ubezpieczenia n\u0103m 2026 quy \u0111\u1ecbnh ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c, ch\u1eadm nh\u1ea5t l\u00e0 trong v\u00f2ng <strong>14 ng\u00e0y \u2014 ch\u1ec9 \u00e1p d\u1ee5ng trong th\u1ee7 t\u1ee5c TUZ n\u00e0y<\/strong>, t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 c\u1ed1 b\u1ea3o hi\u1ec3m ho\u1eb7c nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 thi\u1ec7t h\u1ea1i. V\u0103n b\u1ea3n n\u00e0y c\u0169ng quy \u0111\u1ecbnh kh\u1ea3 n\u0103ng c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n ri\u00eang bi\u1ec7t trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. Kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n th\u1eddi h\u1ea1n n\u00e0y sang h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c. TUZ c\u0169ng y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 m\u1eabu \u0111\u01a1n khai b\u00e1o thi\u1ec7t h\u1ea1i v\u00e0 c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00ednh h\u1ee3p l\u1ec7 c\u0169ng nh\u01b0 m\u1ee9c b\u1ed3i th\u01b0\u1eddng.<\/p>\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-moge-zawsze-wybrac-rozliczenie-bezgotowkowe\">T\u00f4i c\u00f3 th\u1ec3 lu\u00f4n ch\u1ecdn h\u00ecnh th\u1ee9c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u00e1ch th\u1ee9c gi\u1ea3i quy\u1ebft ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, lo\u1ea1i s\u1ef1 c\u1ed1 v\u00e0 h\u01b0\u1edbng d\u1eabn \u0111\u01b0\u1ee3c cung c\u1ea5p trong t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 cho r\u1eb1ng b\u1ec7nh nh\u00e2n lu\u00f4n c\u00f3 quy\u1ec1n t\u1ef1 do l\u1ef1a ch\u1ecdn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wczesniejszy-telefon-gwarantuje-bezgotowkowa-pomoc\">Vi\u1ec7c g\u1ecdi \u0111i\u1ec7n tr\u01b0\u1edbc c\u00f3 \u0111\u1ea3m b\u1ea3o nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 h\u1ed7 tr\u1ee3 kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Cu\u1ed9c g\u1ecdi n\u00e0y ch\u1ec9 nh\u1eb1m x\u00e1c \u0111\u1ecbnh quy tr\u00ecnh v\u00e0 cung c\u1ea5p c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft. Vi\u1ec7c li\u00ean h\u1ec7 n\u00e0y kh\u00f4ng \u0111\u1ea3m b\u1ea3o vi\u1ec7c ph\u00ea duy\u1ec7t hay chi tr\u1ea3 chi ph\u00ed. H\u00e3y y\u00eau c\u1ea7u x\u00e1c nh\u1eadn r\u00f5 r\u00e0ng v\u1ec1 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-placowka-wspolpracujaca-moze-zazadac-platnosci\">C\u01a1 s\u1edf h\u1ee3p t\u00e1c c\u00f3 th\u1ec3 y\u00eau c\u1ea7u thanh to\u00e1n kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">T\u00ecnh tr\u1ea1ng c\u1ee7a c\u01a1 s\u1edf y t\u1ebf kh\u00f4ng t\u1ef1 \u0111\u1ed9ng quy\u1ebft \u0111\u1ecbnh ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n cho m\u1ed9t tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. Tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5, b\u1ec7nh nh\u00e2n c\u1ea7n li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u01a1 s\u1edf y t\u1ebf \u0111\u1ec3 x\u00e1c nh\u1eadn xem vi\u1ec7c thanh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t hay ch\u01b0a, c\u0169ng nh\u01b0 li\u1ec7u b\u1ec7nh nh\u00e2n c\u00f3 ph\u1ea3i thanh to\u00e1n chi ph\u00ed t\u1ea1i ch\u1ed7 hay kh\u00f4ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-faktura-wystarczy-do-otrzymania-zwrotu\">Ch\u1ec9 c\u1ea7n h\u00f3a \u0111\u01a1n l\u00e0 \u0111\u1ee7 \u0111\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n ch\u01b0a?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u \u0111\u00f3 c\u00f3 th\u1ec3 ch\u01b0a \u0111\u1ee7. Trong c\u00e1c th\u1ee7 t\u1ee5c n\u00eau tr\u00ean, c\u00f3 th\u1ec3 c\u00f2n y\u00eau c\u1ea7u b\u1ea3n t\u01b0\u1eddng tr\u00ecnh s\u1ef1 vi\u1ec7c, h\u1ed3 s\u01a1 y t\u1ebf, ch\u1ee9ng t\u1eeb thanh to\u00e1n v\u00e0 c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh trong qu\u00e1 tr\u00ecnh xem x\u00e9t y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. B\u1ea3n h\u00f3a \u0111\u01a1n kh\u00f4ng ph\u1ea3i l\u00e0 y\u1ebfu t\u1ed1 duy nh\u1ea5t quy\u1ebft \u0111\u1ecbnh t\u00ednh h\u1ee3p l\u1ec7 c\u1ee7a vi\u1ec7c ho\u00e0n tr\u1ea3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-jesli-nie-moglem-wczesniej-zadzwonic\">N\u1ebfu tr\u01b0\u1edbc \u0111\u00f3 t\u00f4i kh\u00f4ng th\u1ec3 g\u1ecdi \u0111i\u1ec7n th\u00ec ph\u1ea3i l\u00e0m sao?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y \u0111\u1ea3m b\u1ea3o nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tr\u1ee3 gi\u00fap c\u1ea7n thi\u1ebft. Sau \u0111\u00f3, h\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t v\u00e0 tr\u00ecnh b\u00e0y chi ti\u1ebft v\u1ec1 s\u1ef1 vi\u1ec7c. C\u00e1c b\u01b0\u1edbc ti\u1ebfp theo c\u1ea7n tu\u00e2n theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng (OWU) v\u00e0 h\u01b0\u1edbng d\u1eabn li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n \u2013 kh\u00f4ng n\u00ean t\u1ef1 \u00fd gi\u1ea3 \u0111\u1ecbnh tr\u01b0\u1edbc r\u1eb1ng y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn hay b\u1ecb t\u1eeb ch\u1ed1i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-termin-zgloszenia-jest-taki-sam-w-kazdej-polisie\">Th\u1eddi h\u1ea1n th\u00f4ng b\u00e1o c\u00f3 gi\u1ed1ng nhau trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Qu\u00fd kh\u00e1ch c\u1ea7n ki\u1ec3m tra c\u00e1c th\u1eddi h\u1ea1n trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c n\u00eau \u1edf tr\u00ean trong \u0110i\u1ec1u kho\u1ea3n chung c\u1ee7a B\u1ea3o hi\u1ec3m TUZ \u00e1p d\u1ee5ng cho t\u00e0i li\u1ec7u n\u00e0y v\u00e0 bao g\u1ed3m \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb li\u00ean quan \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"podsumowanie\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u00e1t sinh v\u1ea5n \u0111\u1ec1 trong qu\u00e1 tr\u00ecnh thanh to\u00e1n?<\/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<p class=\"has-medium-font-size wp-block-paragraph\"><strong>H\u00e3y tham kh\u1ea3o quy tr\u00ecnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u00f4 t\u1ea3 chung v\u1ec1 s\u1ea3n ph\u1ea9m. Trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, n\u1ebfu t\u00ecnh tr\u1ea1ng c\u1ee7a b\u1ec7nh nh\u00e2n cho ph\u00e9p, <strong>\u0110\u1eebng t\u1ef1 \u00fd ch\u1ecdn ch\u1ebf \u0111\u1ed9<\/strong>. H\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, tr\u00ecnh b\u00e0y t\u00ecnh hu\u1ed1ng v\u00e0 y\u00eau c\u1ea7u h\u01b0\u1edbng d\u1eabn r\u00f5 r\u00e0ng v\u1ec1 \u0111\u1ecba \u0111i\u1ec3m, vi\u1ec7c thanh to\u00e1n c\u0169ng nh\u01b0 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n thanh to\u00e1n b\u1eb1ng ti\u1ec1n c\u1ee7a ch\u00ednh m\u00ecnh, <strong>gi\u1eef l\u1ea1i \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00e0i li\u1ec7u<\/strong> v\u00e0 \u0111\u1eebng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf h\u00f3a \u0111\u01a1n. Khi n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, h\u00e3y tr\u00ecnh b\u00e0y c\u00e1c s\u1ef1 ki\u1ec7n theo \u0111\u00fang di\u1ec5n bi\u1ebfn c\u1ee7a v\u1ee5 vi\u1ec7c, \u0111\u1ed3ng th\u1eddi \u0111\u00ednh k\u00e8m c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft theo quy \u0111\u1ecbnh c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00f3. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) v\u00e0 <strong>c\u00e1c th\u00f4ng tin nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong> trong m\u1ed9t tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 \u2014 ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u1eefng l\u1eddi h\u1ee9a xu\u1ea5t ph\u00e1t t\u1eeb c\u00e1ch hi\u1ec3u th\u00f4ng th\u01b0\u1eddng v\u1ec1 \u201ethanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t\u201d.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i tr\u1ef1c tuy\u1ebfn.<\/p>\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\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u0110i\u1ec1u tr\u1ecb kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111\u00e3 chi l\u00e0 hai h\u00ecnh th\u1ee9c thanh to\u00e1n kh\u00e1c nhau cho d\u1ecbch v\u1ee5 y t\u1ebf. Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1ea7u ti\u00ean, vi\u1ec7c thanh to\u00e1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n\u2026<\/p>","protected":false},"author":1,"featured_media":3892,"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":[41],"tags":[113,110,112,114,111],"class_list":["post-3893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podstawy-ubezpieczenia-zdrowotnego-w-polsce","tag-autoryzacja-pomocy-medycznej","tag-bezgotowkowe-rozliczenie-leczenia","tag-rozliczenie-kosztow-medycznych","tag-ubezpieczenie-zdrowotne-cudzoziemca","tag-zwrot-kosztow-leczenia"],"acf":[],"yoast_head":"<!-- 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