{"id":3479,"date":"2026-05-20T20:07:23","date_gmt":"2026-05-20T18:07:23","guid":{"rendered":"https:\/\/nazycie.pl\/nieskategoryzowane\/nnw-dla-doroslych-czy-warto-kupic-polise\/"},"modified":"2026-09-07T03:32:48","modified_gmt":"2026-09-07T01:32:48","slug":"bao-hiem-nhan-tho-cho-nguoi-lon-co-nen-mua-khong","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/vi\/poradnik\/nnw-indywidualne\/nnw-dla-doroslych-czy-warto-kupic-polise\/","title":{"rendered":"B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn \u2013 c\u00f3 n\u00ean mua kh\u00f4ng?"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>NNW d\u00e0nh cho ng\u01b0\u1eddi l\u1edbn<\/strong> \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m tai n\u1ea1n, cung c\u1ea5p kho\u1ea3n b\u1ed3i th\u01b0\u1eddng t\u00e0i ch\u00ednh sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 d\u1eabn \u0111\u1ebfn ch\u1ea5n th\u01b0\u01a1ng, t\u1ed5n th\u01b0\u01a1ng s\u1ee9c kh\u1ecfe v\u0129nh vi\u1ec5n, nh\u1eadp vi\u1ec7n ho\u1eb7c t\u1eed vong do tai n\u1ea1n. Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng n\u00e0y kh\u00f4ng thay th\u1ebf cho b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, nh\u01b0ng c\u00f3 th\u1ec3 l\u00e0 s\u1ef1 b\u1ed5 sung thi\u1ebft th\u1ef1c cho n\u00f3. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch li\u1ec7u c\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn hay kh\u00f4ng, c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n d\u00e0nh cho ng\u01b0\u1eddi l\u1edbn, nh\u1eefng g\u00ec th\u01b0\u1eddng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n v\u00e0 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0o c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"M\u1ee5c l\u1ee5c\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">M\u1ee5c l\u1ee5c<\/h4>\n<ol>\n<li><a href=\"#czym-jest-nnw-dla-doroslych\">B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jak-dziala-polis\u0430-nnw\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tai n\u1ea1n ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n<li><a href=\"#kiedy-warto-kupic\">Khi n\u00e0o n\u00ean mua lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y?<\/a><\/li>\n<li><a href=\"#na-co-zwrocic-uwage\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng g\u00ec tr\u01b0\u1edbc khi mua?<\/a><\/li>\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<li><a href=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-nnw-dla-doroslych\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n, nh\u1eb1m chi tr\u1ea3 quy\u1ec1n l\u1ee3i sau khi x\u1ea3y ra tai n\u1ea1n. Tr\u00ean th\u1ef1c t\u1ebf, \u0111\u00e2y l\u00e0 s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd, do nguy\u00ean nh\u00e2n b\u00ean ngo\u00e0i g\u00e2y ra v\u00e0 n\u1eb1m ngo\u00e0i \u00fd mu\u1ed1n c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u01b0\u1eddng bao g\u1ed3m c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a s\u1ef1 c\u1ed1 \u0111\u00f3, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u00ednh s\u1ef1 ki\u1ec7n x\u1ea3y ra. Do \u0111\u00f3, h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 b\u1ea3ng m\u1ee9c \u0111\u1ed9 th\u01b0\u01a1ng t\u1eadt trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng.<\/p>\n<p>Trong nhi\u1ec1u g\u00f3i b\u1ea3o hi\u1ec3m, b\u1ea3o hi\u1ec3m tai n\u1ea1n ch\u1ee7 y\u1ebfu bao g\u1ed3m th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n, t\u1eed vong do tai n\u1ea1n, n\u1eb1m vi\u1ec7n, v\u00e0 \u0111\u00f4i khi c\u00f2n bao g\u1ed3m c\u1ea3 vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng ho\u1eb7c mua c\u00e1c thi\u1ebft b\u1ecb h\u1ed7 tr\u1ee3. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng g\u00f3i c\u1ee5 th\u1ec3. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 m\u1ed1i quan h\u1ec7 gi\u1eefa b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00e1c, h\u00e3y tham kh\u1ea3o th\u00eam <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/nnw-ca-nhan\/nnw-va-bao-hiem-nhan-tho-su-khac-biet-va-lua-chon\/\">S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) ph\u00e1t huy hi\u1ec7u qu\u1ea3 nh\u1ea5t khi b\u1ea1n coi n\u00f3 nh\u01b0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n cho m\u1ecdi t\u00ecnh hu\u1ed1ng s\u1ee9c kh\u1ecfe.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-dziala-polisa-nnw\" class=\"kt-adv-heading\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tai n\u1ea1n ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u01a1 ch\u1ebf n\u00e0y kh\u00e1 \u0111\u01a1n gi\u1ea3n. B\u1ea1n ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m, t\u1ee9c l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. N\u1ebfu x\u1ea3y ra tai n\u1ea1n, m\u1ee9c b\u1ed3i th\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh theo c\u00e1c quy \u0111\u1ecbnh n\u00eau trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung. Trong tr\u01b0\u1eddng h\u1ee3p t\u1eed vong do tai n\u1ea1n, m\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 l\u00ean t\u1edbi 100% l\u1ea7n m\u1ee9c b\u1ea3o hi\u1ec3m. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n, kho\u1ea3n thanh to\u00e1n th\u01b0\u1eddng t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m th\u01b0\u01a1ng t\u1eadt \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean b\u1ea3ng t\u1ef7 l\u1ec7.<\/p>\n<p>V\u00ed d\u1ee5, khi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 50.000 PLN v\u00e0 b\u00e1c s\u0129 gi\u00e1m \u0111\u1ecbnh x\u00e1c nh\u1eadn m\u1ee9c t\u1ed5n th\u01b0\u01a1ng v\u0129nh vi\u1ec5n l\u00e0 8%, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 l\u00ean t\u1edbi 4.000 PLN, mi\u1ec5n l\u00e0 \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh nh\u01b0 v\u1eady. Trong m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ea1n c\u0169ng s\u1ebd t\u00ecm th\u1ea5y c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung nh\u01b0 chi ph\u00ed n\u1eb1m vi\u1ec7n, d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 sau tai n\u1ea1n, v\u1eadn chuy\u1ec3n thi\u1ebft b\u1ecb ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng ho\u1eb7c h\u1ed7 tr\u1ee3 gia \u0111\u00ecnh. C\u1ea7n l\u01b0u \u00fd r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng bao g\u1ed3m b\u1ec7nh t\u1eadt. \u0110i\u1ec1u n\u00e0y ph\u00e2n bi\u1ec7t n\u00f3 v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 v\u00ed d\u1ee5 nh\u01b0 trong b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/bao-hiem-y-te\/bao-hiem-y-te-tu-nhan-hoat-dong-nhu-the-nao\/\">b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n<\/a>.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, sau khi x\u1ea3y ra s\u1ef1 c\u1ed1, qu\u00fd v\u1ecb c\u1ea7n th\u00f4ng b\u00e1o s\u1ef1 vi\u1ec7c v\u00e0 chu\u1ea9n b\u1ecb s\u1eb5n s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ed3 s\u01a1 y t\u1ebf c\u00f9ng s\u1ed1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u cung c\u1ea5p th\u00eam c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"kiedy-warto-kupic\" class=\"kt-adv-heading\">Khi n\u00e0o n\u00ean mua lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn kh\u00f4ng? Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, c\u00e2u tr\u1ea3 l\u1eddi l\u00e0 c\u00f3, \u0111\u1eb7c bi\u1ec7t khi thu nh\u1eadp c\u1ee7a b\u1ea1n ph\u1ee5 thu\u1ed9c v\u00e0o kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng h\u00e0ng ng\u00e0y, b\u1ea1n l\u00e0m c\u00f4ng vi\u1ec7c ch\u00e2n tay, tham gia th\u1ec3 thao nghi\u1ec7p d\u01b0 ho\u1eb7c \u0111\u01a1n gi\u1ea3n l\u00e0 mu\u1ed1n c\u00f3 m\u1ed9t kho\u1ea3n d\u1ef1 ph\u00f2ng t\u00e0i ch\u00ednh sau khi b\u1ecb th\u01b0\u01a1ng. B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00f3 th\u1ec3 gi\u00fap chi tr\u1ea3 cho vi\u1ec7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, c\u00e1c l\u1ea7n kh\u00e1m t\u01b0 nh\u00e2n, thu\u1ed1c men, chi ph\u00ed \u0111i l\u1ea1i ho\u1eb7c th\u1eddi gian ngh\u1ec9 vi\u1ec7c t\u1ea1m th\u1eddi. N\u00f3 s\u1ebd kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 c\u00e1c v\u1ea5n \u0111\u1ec1, nh\u01b0ng c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u t\u00e1c \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a tai n\u1ea1n.<\/p>\n<p>Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y c\u0169ng l\u00e0 m\u1ed9t s\u1ef1 b\u1ed5 sung h\u1ee3p l\u00fd cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh ho\u1eb7c ph\u1ea3i chu c\u1ea5p cho gia \u0111\u00ecnh. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng ch\u1ec9 t\u1eadp trung v\u00e0o tr\u01b0\u1eddng h\u1ee3p t\u1eed vong v\u00e0 c\u00e1c s\u1ef1 c\u1ed1 nghi\u00eam tr\u1ecdng, trong khi b\u1ea3o hi\u1ec3m tai n\u1ea1n l\u1ea1i ph\u00f9 h\u1ee3p h\u01a1n \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng r\u1ee7i ro ch\u1ea5n th\u01b0\u01a1ng h\u00e0ng ng\u00e0y. N\u1ebfu b\u1ea1n \u0111ang so s\u00e1nh c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, t\u00e0i li\u1ec7u v\u1ec1 <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/so-sanh-va-xep-hang-cac-uu-dai\/goi-bao-hiem-nhan-tho-tot-nhat-nam-2026-7-lua-chon\/\">so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m<\/a>.<\/p>\n<p>Nh\u1eefng ng\u01b0\u1eddi n\u0103ng \u0111\u1ed9ng s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t: t\u00e0i x\u1ebf, ng\u01b0\u1eddi \u0111i xe \u0111\u1ea1p, nh\u00e2n vi\u00ean l\u00e0m vi\u1ec7c ngo\u00e0i hi\u1ec7n tr\u01b0\u1eddng, nh\u1eefng ng\u01b0\u1eddi \u0111ang s\u1eeda ch\u1eefa nh\u00e0 c\u1eeda, c\u00e1c b\u1eadc cha m\u1eb9 c\u00f3 con nh\u1ecf v\u00e0 t\u1ea5t c\u1ea3 nh\u1eefng ai kh\u00f4ng mu\u1ed1n ph\u1ea3i chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n ch\u1ec9 b\u1eb1ng ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea3n th\u00e2n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">Gi\u00e1 tr\u1ecb c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee9c ph\u00ed. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t bao g\u1ed3m m\u1ee9c b\u1ed3i th\u01b0\u1eddng, \u0111\u1ecbnh ngh\u0129a v\u1ec1 tai n\u1ea1n, b\u1ea3ng m\u1ee9c \u0111\u1ed9 th\u01b0\u01a1ng t\u1eadt v\u00e0 danh m\u1ee5c c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"na-co-zwrocic-uwage\" class=\"kt-adv-heading\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng g\u00ec tr\u01b0\u1edbc khi mua?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e1c \u00fd ki\u1ebfn v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn th\u01b0\u1eddng r\u1ea5t tr\u00e1i chi\u1ec1u, ch\u1ee7 y\u1ebfu l\u00e0 do nhi\u1ec1u ng\u01b0\u1eddi ch\u1ec9 \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m sau khi \u0111\u00e3 x\u1ea3y ra s\u1ef1 c\u1ed1. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o qu\u1ea3ng c\u00e1o. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t bao g\u1ed3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m, gi\u1edbi h\u1ea1n b\u1ed3i th\u01b0\u1eddng v\u00e0 ph\u01b0\u01a1ng ph\u00e1p x\u00e1c \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. H\u00e3y ki\u1ec3m tra xem s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u1ee7a b\u1ea1n hay kh\u00f4ng.<\/p>\n<p>H\u00e3y l\u01b0u \u00fd xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 bao g\u1ed3m th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n v\u00e0 t\u1eed vong, hay c\u00f2n bao g\u1ed3m c\u1ea3 th\u1eddi gian n\u1eb1m vi\u1ec7n, ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, ph\u1eabu thu\u1eadt, d\u1ee5ng c\u1ee5 ch\u1ec9nh h\u00ecnh ho\u1eb7c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u01b0\u1eddi, ph\u1ea1m vi \u0111\u1ecba l\u00fd c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb li\u00ean quan \u0111\u1ebfn c\u00e1c m\u00f4n th\u1ec3 thao m\u1ea1o hi\u1ec3m, r\u01b0\u1ee3u bia hay b\u1ec7nh m\u00e3n t\u00ednh c\u0169ng s\u1ebd l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng. N\u1ebfu b\u1ea1n \u0111\u00e3 c\u00f3 c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c, h\u00e3y tham kh\u1ea3o th\u00eam b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/bao-hiem-nhan-tho\/\">b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/a>, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c h\u01a1n xem b\u1ea1n c\u1ea7n m\u1ed9t g\u00f3i b\u1ed5 sung hay m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n h\u01a1n.<\/p>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m:<\/strong> C\u00e0ng cao th\u00ec ti\u1ec1m n\u0103ng nh\u1eadn ti\u1ec1n th\u01b0\u1edfng c\u00e0ng l\u1edbn, nh\u01b0ng ph\u00ed b\u1ea3o hi\u1ec3m c\u0169ng c\u00e0ng cao.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u1ea3ng thi\u1ec7t h\u1ea1i:<\/strong> cho th\u1ea5y c\u00e1ch \u0111\u1ecbnh gi\u00e1 c\u00e1c ch\u1ea5n th\u01b0\u01a1ng c\u1ee5 th\u1ec3.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7:<\/strong> quy \u0111\u1ecbnh nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng chi tr\u1ea3 quy\u1ec1n l\u1ee3i.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ee5 l\u1ee5c:<\/strong> ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 v\u00e0 th\u1eddi gian n\u1eb1m vi\u1ec7n gi\u00fap t\u0103ng c\u01b0\u1eddng gi\u00e1 tr\u1ecb th\u1ef1c ti\u1ec5n c\u1ee7a b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Quy tr\u00ecnh x\u1eed l\u00fd b\u1ed3i th\u01b0\u1eddng:<\/strong> H\u00e3y ki\u1ec3m tra xem nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o s\u1ebd c\u1ea7n thi\u1ebft sau khi x\u1ea3y ra tai n\u1ea1n.<\/span><\/li>\n<\/ul>\n<\/div>\n<p>G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd. M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n t\u1ed1t c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi l\u1ed1i s\u1ed1ng v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro th\u1ef1c t\u1ebf c\u1ee7a b\u1ea1n, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 ph\u00f9 h\u1ee3p v\u1edbi ng\u00e2n s\u00e1ch eo h\u1eb9p.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>N\u1ebfu t\u00f4i \u0111\u00e3 c\u00f3 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd r\u1ed3i, li\u1ec7u c\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, b\u1edfi v\u00ec c\u00e1c s\u1ea3n ph\u1ea9m n\u00e0y c\u00f3 c\u00e1c ch\u1ee9c n\u0103ng kh\u00e1c nhau. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng b\u1ea3o v\u1ec7 tr\u01b0\u1edbc nh\u1eefng h\u1eadu qu\u1ea3 c\u1ee7a t\u1eed vong ho\u1eb7c c\u00e1c s\u1ef1 c\u1ed1 nghi\u00eam tr\u1ecdng, trong khi b\u1ea3o hi\u1ec3m tai n\u1ea1n t\u1eadp trung v\u00e0o c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, ch\u1eb3ng h\u1ea1n nh\u01b0 ch\u1ea5n th\u01b0\u01a1ng, th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n ho\u1eb7c n\u1eb1m vi\u1ec7n. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, c\u1ea3 hai gi\u1ea3i ph\u00e1p n\u00e0y b\u1ed5 sung cho nhau r\u1ea5t t\u1ed1t.<\/p>\n<h3>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn th\u01b0\u1eddng bao g\u1ed3m nh\u1eefng g\u00ec?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n, t\u1eed vong do tai n\u1ea1n v\u00e0 th\u1eddi gian n\u1eb1m vi\u1ec7n sau ch\u1ea5n th\u01b0\u01a1ng. Trong c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m m\u1edf r\u1ed9ng h\u01a1n, ng\u01b0\u1eddi ta c\u00f2n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, d\u1ee5ng c\u1ee5 ch\u1ec9nh h\u00ecnh v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3. Lu\u00f4n c\u1ea7n ph\u1ea3i x\u00e1c nh\u1eadn \u0111i\u1ec1u n\u00e0y trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3.<\/p>\n<h3>B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn c\u00f3 gi\u00e1 bao nhi\u00eau?<\/h3>\n<p>Gi\u00e1 c\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, c\u00f4ng vi\u1ec7c, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung. C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb h\u01a1n th\u01b0\u1eddng c\u00f3 ph\u1ea1m vi h\u1eb9p h\u01a1n v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n, trong khi c\u00e1c g\u00f3i \u0111\u1eaft h\u01a1n l\u1ea1i cung c\u1ea5p nhi\u1ec1u quy\u1ec1n l\u1ee3i b\u1ed5 sung h\u01a1n. Do \u0111\u00f3, c\u1ea7n \u0111\u00e1nh gi\u00e1 chi ph\u00ed song song v\u1edbi gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n<h3>C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd g\u00ec sau khi x\u1ea3y ra tai n\u1ea1n?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n c\u1ea7n cung c\u1ea5p s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ed3 s\u01a1 y t\u1ebf, b\u1ea3n t\u01b0\u1eddng tr\u00ecnh s\u1ef1 vi\u1ec7c v\u00e0 s\u1ed1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u1ec3 nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng. C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u k\u1ebft qu\u1ea3 x\u00e9t nghi\u1ec7m, phi\u1ebfu theo d\u00f5i \u0111i\u1ec1u tr\u1ecb ho\u1eb7c c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn qu\u00e1 tr\u00ecnh ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng. Danh s\u00e1ch c\u1ee5 th\u1ec3 s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i t\u1ed5n th\u1ea5t.<\/p>\n<h3>B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng d\u00e0nh cho ng\u01b0\u1eddi l\u1edbn ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c th\u00f4i sao?<\/h3>\n<p>Kh\u00f4ng, nhi\u1ec1u g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c 24\/7 v\u00e0 bao g\u1ed3m c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra trong cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n, t\u1ea1i nh\u00e0, khi tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng gi\u1ea3i tr\u00ed ho\u1eb7c khi \u0111i du l\u1ecbch. Tuy nhi\u00ean, b\u1ea1n c\u1ea7n ki\u1ec3m tra ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m r\u1ed9ng h\u01a1n, h\u00e3y tham kh\u1ea3o th\u00eam <a href=\"https:\/\/nazycie.pl\/vi\/bao-hiem-du-lich-truc-tuyen\/\">b\u1ea3o hi\u1ec3m du l\u1ecbch tr\u1ef1c tuy\u1ebfn<\/a>.<\/p>\n<h3>S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ed1 ti\u1ec1n h\u00f3a \u0111\u01a1n \u0111i\u1ec1u tr\u1ecb kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. Trong tr\u01b0\u1eddng h\u1ee3p th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n, m\u1ee9c b\u1ed3i th\u01b0\u1eddng th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean t\u1ef7 l\u1ec7 th\u01b0\u01a1ng t\u1eadt v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n chi ph\u00ed th\u1ef1c t\u1ebf. Vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ch\u1ec9 \u00e1p d\u1ee5ng khi \u0111i\u1ec1u kho\u1ea3n n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c ghi r\u00f5 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n<h3>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 xem c\u00e1c \u0111\u00e1nh gi\u00e1 v\u1ec1 NNW c\u00f3 \u0111\u00e1ng tin c\u1eady hay kh\u00f4ng?<\/h3>\n<p>T\u1ed1t nh\u1ea5t l\u00e0 n\u00ean t\u00e1ch bi\u1ec7t c\u1ea3m x\u00fac kh\u1ecfi c\u00e1c chi ti\u1ebft c\u1ee5 th\u1ec3. M\u1ed9t \u0111\u00e1nh gi\u00e1 \u0111\u00e1ng tin c\u1eady s\u1ebd \u0111\u1ec1 c\u1eadp \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m, quy tr\u00ecnh gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft v\u00e0 vi\u1ec7c chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng c\u00f3 tu\u00e2n th\u1ee7 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) hay kh\u00f4ng. Nh\u1eefng t\u1eeb ng\u1eef chung chung nh\u01b0 \u201et\u1ed1t\u201d hay \u201ex\u1ea5u\u201d s\u1ebd kh\u00f4ng mang nhi\u1ec1u \u00fd ngh\u0129a n\u1ebfu thi\u1ebfu b\u1ed1i c\u1ea3nh c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea1n n\u00ean c\u00e2n nh\u1eafc mua b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) d\u00e0nh cho ng\u01b0\u1eddi l\u1edbn n\u1ebfu mu\u1ed1n b\u1ea3o v\u1ec7 ng\u00e2n s\u00e1ch tr\u01b0\u1edbc nh\u1eefng h\u1eadu qu\u1ea3 c\u1ee7a ch\u1ea5n th\u01b0\u01a1ng v\u00e0 chuy\u1ec3n m\u1ed9t ph\u1ea7n r\u1ee7i ro t\u00e0i ch\u00ednh sang cho c\u00f4ng ty b\u1ea3o hi\u1ec3m. L\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd nh\u1ea5t l\u00e0 m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi l\u1ed1i s\u1ed1ng, c\u00f4ng vi\u1ec7c v\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a b\u1ea1n, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u00f9y ti\u1ec7n ch\u1ecdn g\u00f3i r\u1ebb nh\u1ea5t. Tr\u01b0\u1edbc khi mua, h\u00e3y so s\u00e1nh m\u1ee9c b\u1ea3o hi\u1ec3m, ph\u1ea1m vi quy\u1ec1n l\u1ee3i v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb. N\u1ebfu b\u1ea1n mu\u1ed1n l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn m\u1ed9t c\u00e1ch c\u00f3 \u00fd th\u1ee9c, h\u00e3y coi \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n (OWU) l\u00e0 quan tr\u1ecdng h\u01a1n so v\u1edbi m\u00f4 t\u1ea3 qu\u1ea3ng c\u00e1o v\u1ec1 g\u00f3i b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m tai n\u1ea1n cho ng\u01b0\u1eddi l\u1edbn l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m tai n\u1ea1n cung c\u1ea5p kho\u1ea3n b\u1ed3i th\u01b0\u1eddng t\u00e0i ch\u00ednh sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 d\u1eabn \u0111\u1ebfn ch\u1ea5n th\u01b0\u01a1ng, t\u1ed5n th\u01b0\u01a1ng s\u1ee9c kh\u1ecfe v\u0129nh vi\u1ec5n,\u2026<\/p>","protected":false},"author":2,"featured_media":3478,"comment_status":"closed","ping_status":"","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":[27],"tags":[35,38,34,36,37],"class_list":["post-3479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nnw-indywidualne","tag-nnw-indywidualne","tag-owu-nnw","tag-suma-ubezpieczenia-nnw","tag-swiadczenie-z-nnw","tag-trway-uszczerbek-na-zdrowiu"],"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>NNW dla doros\u0142ych \u2013 czy warto kupi\u0107 polis\u0119? - na\u017bycie.pl<\/title>\n<meta name=\"description\" content=\"NNW dla doros\u0142ych daje wsparcie po wypadku. 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