{"id":3569,"date":"2026-09-01T09:40:47","date_gmt":"2026-09-01T07:40:47","guid":{"rendered":"https:\/\/nazycie.pl\/?p=3569"},"modified":"2026-09-01T09:40:47","modified_gmt":"2026-09-01T07:40:47","slug":"lam-the-nao-de-xac-dinh-muc-bao-hiem-tai-nan-ca-nhan","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/vi\/poradnik\/nnw-indywidualne\/suma-ubezpieczenia-nnw-indywidualnego-jak-ja-dobrac\/","title":{"rendered":"S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n \u2013 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1ef1a ch\u1ecdn?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee9c ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c, nh\u01b0ng con s\u1ed1 ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng kh\u00f4ng quy\u1ebft \u0111\u1ecbnh ch\u00ednh x\u00e1c s\u1ed1 ti\u1ec1n b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c sau tai n\u1ea1n. C\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c c\u0169ng r\u1ea5t quan tr\u1ecdng, bao g\u1ed3m ph\u01b0\u01a1ng th\u1ee9c t\u00ednh to\u00e1n kho\u1ea3n b\u1ed3i th\u01b0\u1eddng, g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, c\u00e1c ng\u01b0\u1ee1ng ph\u1ea7n tr\u0103m v\u00e0 gi\u1edbi h\u1ea1n c\u1ee7a c\u00e1c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng b\u1ed5 sung. Do \u0111\u00f3, b\u1ea1n c\u1ea7n xem x\u00e9t t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f9ng v\u1edbi \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc khi so s\u00e1nh c\u00e1c m\u1ee9c ti\u1ec1n b\u1ea3o hi\u1ec3m, b\u1ea1n c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 h\u1ee3p \u0111\u1ed3ng s\u1ebd chi tr\u1ea3 cho nh\u1eefng h\u1eadu qu\u1ea3 n\u00e0o c\u1ee7a tai n\u1ea1n v\u00e0 theo nh\u1eefng quy \u0111\u1ecbnh n\u00e0o. Trong h\u01b0\u1edbng d\u1eabn n\u00e0y, ch\u00fang t\u00f4i s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n l\u1ef1a ch\u1ecdn t\u1eebng b\u01b0\u1edbc m\u1ed9t: t\u1eeb c\u01a1 ch\u1ebf chi tr\u1ea3, qua m\u1ee9c b\u1ea3o hi\u1ec3m cho m\u1ed7i s\u1ef1 ki\u1ec7n ho\u1eb7c m\u1ee9c b\u1ea3o hi\u1ec3m gi\u1ea3m d\u1ea7n, cho \u0111\u1ebfn gi\u1edbi h\u1ea1n c\u1ee7a c\u00e1c kho\u1ea3n ph\u1ee5 c\u1ea5p. Ch\u00fang t\u00f4i kh\u00f4ng ch\u1ec9 ra m\u1ed9t m\u1ee9c \u201el\u00fd t\u01b0\u1edfng\u201d duy nh\u1ea5t, v\u00ec c\u00f9ng m\u1ed9t m\u1ee9c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng kh\u00e1c nhau t\u00f9y theo t\u1eebng s\u1ea3n ph\u1ea9m v\u00e0 ph\u01b0\u01a1ng \u00e1n c\u1ee5 th\u1ec3.<\/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<p class=\"has-large-font-size wp-block-paragraph\"><strong>M\u1ee5c l\u1ee5c<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#co-oznacza-suma-ubezpieczenia-nnw\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) c\u00f3 \u00fd ngh\u0129a l\u00e0 g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#dlaczego-sama-kwota-nie-wystarczy\">T\u1ea1i sao ch\u1ec9 ri\u00eang s\u1ed1 ti\u1ec1n \u0111\u00f3 l\u00e0 ch\u01b0a \u0111\u1ee7?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-dobrac-sume-krok-po-kroku\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ednh t\u1ed5ng t\u1eebng b\u01b0\u1edbc m\u1ed9t?<\/a><\/li>\n\n\n\n<li><a href=\"#co-sprawdzic-w-owu-przed-zakupem\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung tr\u01b0\u1edbc khi mua h\u00e0ng?<\/a><\/li>\n\n\n\n<li><a href=\"#najczestsze-bledy-przy-wyborze-sumy\">Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi ch\u1ecdn t\u1ed5ng<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p \u2013 S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m trong b\u1ea3o hi\u1ec3m tai n\u1ea1n<\/a><\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-oznacza-suma-ubezpieczenia-nnw\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) c\u00f3 \u00fd ngh\u0129a l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t trong nh\u1eefng th\u00f4ng s\u1ed1 c\u01a1 b\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW). Trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU), s\u1ed1 ti\u1ec1n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, v\u00e0 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng cho th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a s\u1ed1 ti\u1ec1n \u0111\u00f3. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 sau m\u1ed7i v\u1ee5 tai n\u1ea1n, to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng s\u1ebd \u0111\u01b0\u1ee3c chi tr\u1ea3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, c\u1ea7n ph\u1ea3i xem x\u00e9t t\u1ed5ng s\u1ed1 ti\u1ec1n c\u00f9ng v\u1edbi quy t\u1eafc t\u00ednh to\u00e1n kho\u1ea3n tr\u1ee3 c\u1ea5p c\u1ee5 th\u1ec3. N\u1ebfu v\u0103n b\u1ea3n quy \u0111\u1ecbnh kho\u1ea3n chi tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m m\u1ee9c t\u1ed5n th\u01b0\u01a1ng v\u0129nh vi\u1ec5n, th\u00ec c\u1ea3 t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh l\u1eabn t\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh cho kho\u1ea3n tr\u1ee3 c\u1ea5p \u0111\u00f3 \u0111\u1ec1u c\u00f3 \u00fd ngh\u0129a. M\u1ed9t ph\u01b0\u01a1ng \u00e1n kh\u00e1c c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf t\u0103ng d\u1ea7n, ng\u01b0\u1ee1ng k\u00edch ho\u1ea1t kho\u1ea3n thanh to\u00e1n ho\u1eb7c c\u00e1c m\u1ee9c ti\u1ec1n ri\u00eang bi\u1ec7t cho c\u00e1c h\u1eadu qu\u1ea3 c\u1ee5 th\u1ec3 c\u1ee7a tai n\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, hai h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m gi\u1ed1ng h\u1ec7t ho\u1eb7c t\u01b0\u01a1ng t\u1ef1 nhau c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c kho\u1ea3n chi tr\u1ea3 \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n theo c\u00e1ch kh\u00e1c nhau. Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn, b\u1ea1n kh\u00f4ng ch\u1ec9 n\u00ean ki\u1ec3m tra s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ghi tr\u00ean trang \u0111\u1ea7u c\u1ee7a t\u00e0i li\u1ec7u m\u00e0 c\u00f2n c\u1ea7n xem x\u00e9t c\u01a1 ch\u1ebf chi tr\u1ea3. Vi\u1ec7c t\u00ecm hi\u1ec3u tr\u01b0\u1edbc s\u1ebd r\u1ea5t h\u1eefu \u00edch <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/nnw-ca-nhan\/cach-chon-bao-hiem-tai-nan-ca-nhan-7-dieu-can-kiem-tra\/\">c\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dlaczego-sama-kwota-nie-wystarczy\">T\u1ea1i sao ch\u1ec9 ri\u00eang s\u1ed1 ti\u1ec1n \u0111\u00f3 l\u00e0 ch\u01b0a \u0111\u1ee7?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ef1 kh\u00e1c bi\u1ec7t c\u1ed1t l\u00f5i n\u1eb1m \u1edf c\u00e1ch t\u00ednh to\u00e1n m\u1ee9c b\u1ed3i th\u01b0\u1eddng d\u1ef1a tr\u00ean h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n. \u0110\u1eebng cho r\u1eb1ng m\u1ee9c t\u1ed5n th\u01b0\u01a1ng v\u0129nh vi\u1ec5n 1% lu\u00f4n \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c \u0111\u01b0\u1ee3c chi tr\u1ea3 s\u1ed1 ti\u1ec1n t\u01b0\u01a1ng \u1ee9ng 1%. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u00f3 th\u1ec3 quy \u0111\u1ecbnh ph\u01b0\u01a1ng \u00e1n t\u00ednh theo t\u1ef7 l\u1ec7 tuy\u1ebfn t\u00ednh, ph\u01b0\u01a1ng \u00e1n t\u00ednh theo m\u1ee9c t\u0103ng d\u1ea7n, m\u1ee9c ti\u1ec1n c\u1ed1 \u0111\u1ecbnh cho m\u1ed7i ph\u1ea7n tr\u0103m trong m\u1ed9t kho\u1ea3ng nh\u1ea5t \u0111\u1ecbnh, ho\u1eb7c ng\u01b0\u1ee1ng t\u1ed1i thi\u1ec3u m\u00e0 d\u01b0\u1edbi m\u1ee9c \u0111\u00f3 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"wariant-liniowy-progresja-i-prog\">Bi\u1ebfn th\u1ec3 tuy\u1ebfn t\u00ednh, ti\u1ebfn tr\u00ecnh v\u00e0 ng\u01b0\u1ee1ng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a PZU NNW n\u0103m 2020, ph\u01b0\u01a1ng \u00e1n I quy \u0111\u1ecbnh m\u1ee9c chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng d\u1ef1a tr\u00ean t\u1ef7 l\u1ec7 t\u1ed5n th\u01b0\u01a1ng v\u0129nh vi\u1ec5n v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m. Ph\u01b0\u01a1ng \u00e1n II c\u00f2n t\u00ednh \u0111\u1ebfn h\u1ec7 s\u1ed1 t\u0103ng d\u1ea7n, do \u0111\u00f3 m\u1ee9c chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 v\u01b0\u1ee3t qu\u00e1 s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u1ecbnh cho kho\u1ea3n b\u1ed3i th\u01b0\u1eddng \u0111\u00f3. Ng\u01b0\u1ee3c l\u1ea1i, trong ph\u01b0\u01a1ng \u00e1n III, m\u1ee9c chi tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, nh\u01b0ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 n\u1ebfu m\u1ee9c t\u1ed5n th\u01b0\u01a1ng v\u0129nh vi\u1ec5n kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 20%. \u0110\u00e2y l\u00e0 ba c\u01a1 ch\u1ebf kh\u00e1c nhau trong c\u00f9ng m\u1ed9t v\u0103n b\u1ea3n, v\u00e0 vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n c\u1ee5 th\u1ec3 ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Compensa n\u0103m 2026 quy \u0111\u1ecbnh m\u1ed9t c\u01a1 ch\u1ebf kh\u00e1c. N\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng t\u1eeb 40.000 z\u0142 tr\u1edf l\u00ean v\u00e0 m\u1ee9c t\u1ed5n th\u01b0\u01a1ng v\u0129nh vi\u1ec5n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh \u1edf m\u1ee9c t\u1ed1i \u0111a l\u00e0 10% (bao g\u1ed3m c\u1ea3 m\u1ee9c n\u00e0y), th\u00ec m\u1ee9c b\u1ed3i th\u01b0\u1eddng l\u00e0 400 z\u0142 cho m\u1ed7i ph\u1ea7n tr\u0103m. Trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u00f2n l\u1ea1i, Compensa s\u1ebd chi tr\u1ea3 t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh cho m\u1ee9c t\u1ed5n th\u01b0\u01a1ng v\u0129nh vi\u1ec5n. Nguy\u00ean t\u1eafc n\u00e0y \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau, ch\u1ee9 kh\u00f4ng \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n. B\u1ea1n c\u00f3 th\u1ec3 xem chi ti\u1ebft v\u1ec1 gi\u1ea3i ph\u00e1p n\u00e0y tr\u00ean trang web <a href=\"https:\/\/nazycie.pl\/vi\/nnw-ca-nhan\/compensa-nnnw\/\">B\u1ea3o hi\u1ec3m tai n\u1ea1n Compensa<\/a>.<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > #kt-info-boxe5ea70fe_1 .kt-blocks-info-box-link-wrap{max-width:unset;}#kt-info-boxe5ea70fe_1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}#kt-info-boxe5ea70fe_1 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-boxe5ea70fe_1 .kt-info-svg-icon-flip, #kt-info-boxe5ea70fe_1 .kt-blocks-info-box-number{font-size:50px;}#kt-info-boxe5ea70fe_1 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}#kt-info-boxe5ea70fe_1 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}#kt-info-boxe5ea70fe_1 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}@media all and (max-width: 1024px){#kt-info-boxe5ea70fe_1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}@media all and (max-width: 767px){#kt-info-boxe5ea70fe_1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-boxe5ea70fe_1 has-theme-palette-8-background-color has-background\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\"><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-blocks-info-box-title\">\u26a0\ufe0f Quan tr\u1ecdng<\/h4><p class=\"kt-blocks-info-box-text\">M\u1ee9c b\u1ea3o hi\u1ec3m cao c\u0169ng kh\u00f4ng th\u1ec3 b\u00f9 \u0111\u1eafp cho m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y t\u00ecm hi\u1ec3u c\u00e1ch ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m t\u00ednh to\u00e1n m\u1ee9c b\u1ed3i th\u01b0\u1eddng, sau \u0111\u00f3 m\u1edbi so s\u00e1nh c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n.<\/p><\/div><\/span><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"suma-na-kazde-zdarzenie-albo-suma-redukcyjna\">S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng cho m\u1ed7i s\u1ef1 ki\u1ec7n ho\u1eb7c s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng gi\u1ea3m tr\u1eeb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t \u0111i\u1ec3m kh\u00e1c bi\u1ec7t n\u1eefa ch\u1ec9 \u0111\u01b0\u1ee3c b\u1ed9c l\u1ed9 khi c\u00f3 nhi\u1ec1u h\u01a1n m\u1ed9t v\u1ee5 tai n\u1ea1n x\u1ea3y ra trong th\u1eddi gian b\u1ea3o hi\u1ec3m. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Wiener n\u0103m 2022, m\u1ee9c b\u1ed3i th\u01b0\u1eddng tai n\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh cho t\u1eebng s\u1ef1 c\u1ed1 ri\u00eang l\u1ebb v\u00e0 kh\u00f4ng b\u1ecb gi\u1ea3m \u0111i sau khi \u0111\u00e3 chi tr\u1ea3 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng cho m\u1ed9t v\u1ee5 tai n\u1ea1n kh\u00e1c. Tuy nhi\u00ean, kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc n\u00e0y cho t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m c\u0169ng nh\u01b0 nh\u1ea7m l\u1eabn n\u00f3 v\u1edbi c\u00e1c gi\u1edbi h\u1ea1n t\u1ed5ng c\u1ed9ng \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ef1 c\u1ed1 duy nh\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a TUZ n\u0103m 2026, c\u00e1c kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng s\u1ebd \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb t\u01b0\u01a1ng \u1ee9ng v\u1edbi c\u00e1c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 chi tr\u1ea3 cho \u0111\u1ebfn khi h\u1ebft h\u1ea1n m\u1ee9c. Do \u0111\u00f3, t\u1ea1i s\u1ef1 ki\u1ec7n ti\u1ebfp theo, s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c kho\u1ea3n chi tr\u1ea3 tr\u01b0\u1edbc \u0111\u00f3. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y m\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m tr\u00ean trang web <a href=\"https:\/\/nazycie.pl\/vi\/nnw-ca-nhan\/bao-hiem-tai-nan-lao-dong\/\">TUZ - B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dobrac-sume-krok-po-kroku\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ednh t\u1ed5ng t\u1eebng b\u01b0\u1edbc m\u1ed9t?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 m\u1ed9t con s\u1ed1 n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. Thay v\u00ec b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ed9t con s\u1ed1 c\u1ee5 th\u1ec3, h\u00e3y th\u1ef1c hi\u1ec7n n\u0103m b\u01b0\u1edbc thi\u1ebft th\u1ef1c sau \u0111\u00e2y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"wybierz-wazne-swiadczenia\">1. Ch\u1ecdn c\u00e1c ph\u00fac l\u1ee3i m\u00e0 b\u1ea1n cho l\u00e0 quan tr\u1ecdng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ea1n \u0111ang xem x\u00e9t c\u00f3 bao g\u1ed3m kho\u1ea3n b\u1ed3i th\u01b0\u1eddng cho th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n hay kh\u00f4ng, c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c trong g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. Ch\u1ec9 ri\u00eang m\u1ee9c b\u1ea3o hi\u1ec3m ch\u00ednh kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh s\u1ef1 t\u1ed3n t\u1ea1i c\u1ee7a c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. N\u1ebfu b\u1ea1n quan t\u00e2m \u0111\u1ebfn m\u1ed9t kho\u1ea3n b\u1ed3i th\u01b0\u1eddng b\u1ed5 sung c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3, \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 ph\u1ea3i \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"odczytaj-regule-wyplaty\">2. \u0110\u1ecdc c\u00f4ng th\u1ee9c ho\u1eb7c quy t\u1eafc chi tr\u1ea3<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y t\u00ecm c\u00e2u tr\u1ea3 l\u1eddi cho b\u1ed1n c\u00e2u h\u1ecfi sau trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemse5ea70fe_2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemse5ea70fe_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;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemse5ea70fe_2 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemse5ea70fe_2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemse5ea70fe_2 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items_e5ea70fe_2 kt-svg-icon-list-columns-1 alignnone kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_2_1 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">li\u1ec7u kho\u1ea3n tr\u1ee3 c\u1ea5p c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a t\u1ed5ng s\u1ed1 ti\u1ec1n hay kh\u00f4ng;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_2_2 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">li\u1ec7u c\u01a1 ch\u1ebf t\u0103ng d\u1ea7n c\u00f3 ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_2_3 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">C\u00f3 \u00e1p d\u1ee5ng ng\u01b0\u1ee1ng thi\u1ec7t h\u1ea1i t\u1ed1i thi\u1ec3u hay kh\u00f4ng;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_2_4 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">Li\u1ec7u \u0111\u1ed1i v\u1edbi m\u1ed9t kho\u1ea3ng nh\u1ea5t \u0111\u1ecbnh c\u00f3 \u00e1p d\u1ee5ng m\u1ee9c ph\u1ea7n tr\u0103m c\u1ed1 \u0111\u1ecbnh hay kh\u00f4ng?.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 khi \u0111\u00f3, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u1edbi cho ph\u00e9p \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c chi tr\u1ea3, con s\u1ed1 \u0111\u00f3 ch\u1ec9 l\u00e0 m\u1ed9t con s\u1ed1 tr\u1ed1ng r\u1ed7ng, thi\u1ebfu b\u1ed1i c\u1ea3nh c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sprawdz-pierwsza-wyplate\">3. Ki\u1ec3m tra xem \u0111i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra sau l\u1ea7n r\u00fat ti\u1ec1n \u0111\u1ea7u ti\u00ean<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y t\u00ecm \u0111i\u1ec1u kho\u1ea3n quy \u0111\u1ecbnh xem s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 \u00e1p d\u1ee5ng cho m\u1ed7i s\u1ef1 c\u1ed1 hay s\u1ebd gi\u1ea3m \u0111i sau khi chi tr\u1ea3. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi b\u1ea1n mu\u1ed1n \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 c\u1ee7a b\u1ea3o hi\u1ec3m trong to\u00e0n b\u1ed9 th\u1eddi gian b\u1ea3o hi\u1ec3m, ch\u1ee9 kh\u00f4ng ch\u1ec9 sau m\u1ed9t v\u1ee5 tai n\u1ea1n duy nh\u1ea5t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"oddziel-sume-od-limitow\">4. T\u00e1ch s\u1ed1 ti\u1ec1n g\u1ed1c ra kh\u1ecfi c\u00e1c h\u1ea1n m\u1ee9c b\u1ed5 sung<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p b\u1ed5 sung c\u00f3 th\u1ec3 c\u00f3 m\u1ee9c gi\u1edbi h\u1ea1n ri\u00eang li\u00ean quan \u0111\u1ebfn s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng cho th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n. V\u00ed d\u1ee5, trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ n\u0103m 2026, \u0111i\u1ec1u kho\u1ea3n v\u1ec1 chi ph\u00ed ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng quy \u0111\u1ecbnh m\u1ee9c gi\u1edbi h\u1ea1n t\u1ed1i \u0111a l\u00e0 5% c\u1ee7a s\u1ed1 ti\u1ec1n \u0111\u00f3, kh\u00f4ng qu\u00e1 2.500 z\u0142, c\u00f2n \u0111i\u1ec1u kho\u1ea3n v\u1ec1 m\u1ea5t kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng v\u0129nh vi\u1ec5n v\u00e0 ho\u00e0n to\u00e0n \u2014 25% c\u1ee7a s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00f3, kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 12 500 z\u0142. \u0110\u00e2y l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung; c\u1ea7n ph\u1ea3i x\u00e1c nh\u1eadn s\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a ch\u00fang trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sprawdz-przedzial-sum\">5. Ki\u1ec3m tra khung t\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng cho tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ea3n ph\u1ea9m c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf \u0111\u1ed1i t\u01b0\u1ee3ng tham gia d\u1ef1a tr\u00ean \u0111\u1ed9 tu\u1ed5i ho\u1eb7c c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ n\u0103m 2026, m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u cho b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n l\u00e0 5.000 z\u0142. M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a l\u00e0 100.000 z\u0142 \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi d\u01b0\u1edbi 65 tu\u1ed5i v\u00e0 20.000 z\u0142 \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi t\u1eeb 65 \u0111\u1ebfn 70 tu\u1ed5i. \u0110\u1ed1i v\u1edbi c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thi\u1ebft l\u1eadp c\u00e1c \u0111i\u1ec1u ki\u1ec7n ri\u00eang theo y\u00eau c\u1ea7u b\u1eb1ng v\u0103n b\u1ea3n. C\u00e1c gi\u00e1 tr\u1ecb n\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng cho t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c n\u00eau c\u1ee5 th\u1ec3 v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 khuy\u1ebfn ngh\u1ecb d\u00e0nh cho m\u1ecdi ng\u01b0\u1eddi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n xem tr\u01b0\u1edbc c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3, h\u00e3y chuy\u1ec3n \u0111\u1ebfn ph\u1ea7n t\u1ed5ng quan <a href=\"https:\/\/nazycie.pl\/vi\/nnw-ca-nhan\/\">b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic-w-owu-przed-zakupem\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung tr\u01b0\u1edbc khi mua h\u00e0ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y \u0111\u1ed1i chi\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n chi tr\u1ea3. Danh s\u00e1ch ki\u1ec3m tra d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n tr\u00e1nh vi\u1ec7c l\u1ef1a ch\u1ecdn ch\u1ec9 d\u1ef1a tr\u00ean m\u1ee9c ti\u1ec1n b\u1ea3o hi\u1ec3m cao nh\u1ea5t:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemse5ea70fe_3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemse5ea70fe_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;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemse5ea70fe_3 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemse5ea70fe_3 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemse5ea70fe_3 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items_e5ea70fe_3 kt-svg-icon-list-columns-1 alignnone kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_3_1 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">t\u00ean \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a s\u1ea3n ph\u1ea9m v\u00e0 phi\u00ean b\u1ea3n;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_3_2 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c quy cho t\u1ed5n th\u1ea5t v\u0129nh vi\u1ec5n;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_3_3 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">ph\u01b0\u01a1ng ph\u00e1p x\u00e1c \u0111\u1ecbnh t\u1ef7 l\u1ec7 thi\u1ec7t h\u1ea1i;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_3_4 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">ph\u01b0\u01a1ng ph\u00e1p t\u00ednh to\u00e1n m\u1ee9c tr\u1ee3 c\u1ea5p theo t\u1ef7 l\u1ec7 c\u1ed1 \u0111\u1ecbnh ho\u1eb7c theo t\u1ef7 l\u1ec7 l\u0169y ti\u1ebfn;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_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-e5ea70fe_3_5 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">ng\u01b0\u1ee1ng k\u00edch ho\u1ea1t vi\u1ec7c chi tr\u1ea3 (n\u1ebfu c\u00f3);<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_3_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-e5ea70fe_3_6 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">nguy\u00ean t\u1eafc gi\u1ea3m ho\u1eb7c kh\u00f4i ph\u1ee5c s\u1ed1 ti\u1ec1n khi x\u1ea3y ra s\u1ef1 ki\u1ec7n ti\u1ebfp theo;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_3_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-e5ea70fe_3_7 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ri\u00eang bi\u1ec7t \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p b\u1ed5 sung;<\/span><\/li>\n<style>.kt-svg-icon-list-item-e5ea70fe_3_8 .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-e5ea70fe_3_8 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">x\u00e1c nh\u1eadn r\u1eb1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn th\u1ef1c s\u1ef1 c\u00f3 trong h\u1ee3p \u0111\u1ed3ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n n\u00ean ghi ch\u00e9p nh\u1eefng th\u00f4ng tin n\u00e0y ri\u00eang bi\u1ec7t cho t\u1eebng g\u00f3i b\u1ea3o hi\u1ec3m \u0111ang xem x\u00e9t. B\u1ea1n kh\u00f4ng c\u1ea7n m\u1ed9t b\u1ea3ng t\u1ed5ng h\u1ee3p v\u1edbi h\u00e0ng ch\u1ee5c th\u00f4ng s\u1ed1. Ch\u1ec9 c\u1ea7n tr\u1ea3 l\u1eddi nh\u1ea5t qu\u00e1n c\u00e1c c\u00e2u h\u1ecfi n\u00e0y v\u00e0 kh\u00f4ng so s\u00e1nh c\u00e1c m\u1ee9c chi tr\u1ea3 li\u00ean quan \u0111\u1ebfn c\u00e1c quy\u1ec1n l\u1ee3i ho\u1eb7c ph\u01b0\u01a1ng \u00e1n kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu n\u1ed9i dung quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 r\u00e0ng, h\u00e3y y\u00eau c\u1ea7u ch\u1ec9 ra \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) v\u00e0 gi\u1ea3i th\u00edch c\u00e1ch th\u1ee9c chi tr\u1ea3. C\u00e2u tr\u1ea3 l\u1eddi \u201es\u1ed1 ti\u1ec1n r\u1ea5t cao\u201d kh\u00f4ng th\u1ec3 thay th\u1ebf cho th\u00f4ng tin v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a kho\u1ea3n tr\u1ee3 c\u1ea5p \u0111\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"najczestsze-bledy-przy-wyborze-sumy\">Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi ch\u1ecdn t\u1ed5ng<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"wybor-najwyzszej-kwoty\">Ch\u1ecdn m\u1ee9c ti\u1ec1n cao nh\u1ea5t m\u00e0 kh\u00f4ng ki\u1ec3m tra c\u00e1c ph\u01b0\u01a1ng \u00e1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 khi n\u00e0o bi\u1ebft r\u00f5 hai kho\u1ea3n ti\u1ec1n \u0111\u00f3 li\u00ean quan \u0111\u1ebfn lo\u1ea1i tr\u1ee3 c\u1ea5p n\u00e0o v\u00e0 \u0111\u01b0\u1ee3c chi tr\u1ea3 theo quy t\u1eafc n\u00e0o th\u00ec m\u1edbi c\u00f3 th\u1ec3 so s\u00e1nh ch\u00fang m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd. M\u1ee9c t\u0103ng d\u1ea7n, m\u1ee9c c\u1ed1 \u0111\u1ecbnh trong m\u1ed9t kho\u1ea3ng nh\u1ea5t \u0111\u1ecbnh ho\u1eb7c ng\u01b0\u1ee1ng t\u1ed1i thi\u1ec3u c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c \u0111\u00e1nh gi\u00e1 s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kazda-wyplata-jako-procent\">Gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng m\u1ed7i kho\u1ea3n thanh to\u00e1n l\u00e0 m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a t\u1ed5ng s\u1ed1 ti\u1ec1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00f3 l\u00e0 m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n h\u00f3a qu\u00e1 m\u1ee9c. C\u00e1c v\u00ed d\u1ee5 v\u1ec1 PZU v\u00e0 Compensa cho th\u1ea5y c\u01a1 ch\u1ebf n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m, g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pominiecie-redukcji-sumy\">B\u1ecf qua vi\u1ec7c gi\u1ea3m t\u1ed5ng s\u1ed1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng tin v\u1ec1 s\u1ed1 d\u01b0 cho m\u1ed7i s\u1ef1 ki\u1ec7n ho\u1ea1t \u0111\u1ed9ng kh\u00e1c v\u1edbi quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c gi\u1ea3m s\u1ed1 d\u01b0 sau khi chi tr\u1ea3. Vi\u1ec7c thi\u1ebfu c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c \u0111\u00e1nh gi\u00e1 sai m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n ti\u1ebfp theo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dodatki-jako-czesc-sumy\">Xem c\u00e1c kho\u1ea3n ph\u1ee5 c\u1ea5p nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a t\u1ed5ng s\u1ed1 ti\u1ec1n l\u1edbn<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n cao h\u01a1n kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u1ec1 ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, m\u1ea5t kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng hay c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c. M\u1ed7i kho\u1ea3n ph\u1ee5 c\u1ea5p v\u00e0 m\u1ee9c tr\u1ea7n c\u1ee7a n\u00f3 \u0111\u1ec1u ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn ri\u00eang bi\u1ec7t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jedna-kwota-dla-wszystkich\">T\u00ecm ki\u1ebfm m\u1ed9t m\u1ee9c ph\u00ed ph\u00f9 h\u1ee3p cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd ph\u1ee5 thu\u1ed9c v\u00e0o c\u1ea5u tr\u00fac c\u1ee7a s\u1ea3n ph\u1ea9m v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i s\u1ebd \u0111\u01b0\u1ee3c bao g\u1ed3m trong h\u1ee3p \u0111\u1ed3ng. Thay v\u00ec sao ch\u00e9p m\u1ee9c b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi kh\u00e1c, h\u00e3y so s\u00e1nh c\u01a1 ch\u1ebf chi tr\u1ea3 v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n c\u00f3 s\u1eb5n trong c\u00e1c ph\u01b0\u01a1ng \u00e1n m\u00e0 b\u1ea1n th\u1ef1c s\u1ef1 c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p \u2013 S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m trong b\u1ea3o hi\u1ec3m tai n\u1ea1n<\/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<h3 class=\"wp-block-heading\" id=\"czy-wyzsza-suma-zawsze-oznacza-wyzsze-swiadczenie\">S\u1ed1 ti\u1ec1n cao h\u01a1n c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi m\u1ee9c tr\u1ee3 c\u1ea5p cao h\u01a1n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111i\u1ec1u n\u00e0y ch\u1ec9 d\u1ef1a tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n. C\u1ea7n ph\u1ea3i xem x\u00e9t th\u00eam c\u00e1c ph\u01b0\u01a1ng \u00e1n, c\u00e1ch th\u1ee9c x\u00e1c \u0111\u1ecbnh m\u1ee9c tr\u1ee3 c\u1ea5p, m\u1ee9c t\u0103ng d\u1ea7n (n\u1ebfu c\u00f3) v\u00e0 c\u00e1c ng\u01b0\u1ee1ng. Ngo\u00e0i ra, m\u1ee9c tr\u1ee3 c\u1ea5p cao h\u01a1n c\u0169ng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng bao g\u1ed3m c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p b\u1ed5 sung.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-jeden-procent-uszczerbku-daje-jeden-procent-sumy\">Li\u1ec7u 1% t\u1ed5n th\u1ea5t v\u0129nh vi\u1ec5n c\u00f3 lu\u00f4n b\u1eb1ng 1% t\u1ed5ng c\u1ed9ng kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Nguy\u00ean t\u1eafc \u0111\u00f3 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng trong m\u1ed9t bi\u1ebfn th\u1ec3 c\u1ee5 th\u1ec3, nh\u01b0ng c\u00e1c bi\u1ebfn th\u1ec3 kh\u00e1c l\u1ea1i \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf t\u0103ng d\u1ea7n, ng\u01b0\u1ee1ng ho\u1eb7c m\u1ed9t kho\u1ea3n c\u1ed1 \u0111\u1ecbnh t\u00ednh theo ph\u1ea7n tr\u0103m trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh. Lu\u00f4n lu\u00f4n ph\u1ea3i tu\u00e2n theo c\u00e1c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u00f3 li\u00ean quan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-suma-zmniejsza-sie-po-wyplacie\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 gi\u1ea3m sau khi chi tr\u1ea3 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y t\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m. Trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Wiener \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u00e1p d\u1ee5ng cho t\u1eebng s\u1ef1 c\u1ed1 v\u00e0 kh\u00f4ng gi\u1ea3m \u0111i sau khi \u0111\u00e3 chi tr\u1ea3 cho m\u1ed9t v\u1ee5 tai n\u1ea1n kh\u00e1c. Trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, c\u00e1c m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u01b0\u01a1ng \u1ee9ng s\u1ebd \u0111\u01b0\u1ee3c tr\u1eeb \u0111i s\u1ed1 ti\u1ec1n \u0111\u00e3 chi tr\u1ea3 cho \u0111\u1ebfn khi h\u1ebft h\u1ea1n m\u1ee9c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wysoka-suma-obejmuje-rehabilitacje\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao n\u00e0y c\u00f3 bao g\u1ed3m chi ph\u00ed ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ph\u1ea3i t\u1ef1 \u0111\u1ed9ng. Ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n ri\u00eang bi\u1ec7t v\u1edbi m\u1ee9c gi\u1edbi h\u1ea1n ri\u00eang. H\u00e3y ki\u1ec3m tra xem \u0111i\u1ec1u kho\u1ea3n n\u00e0y c\u00f3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng v\u00e0 m\u1ee9c gi\u1edbi h\u1ea1n c\u1ee7a n\u00f3 c\u00f3 li\u00ean quan nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ch\u00ednh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-mozna-wskazac-najlepsza-sume-nnw\">C\u00f3 th\u1ec3 ch\u1ec9 ra m\u1ee9c b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) t\u1ed1i \u01b0u nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 m\u1ee9c ti\u1ec1n n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 c\u01a1 ch\u1ebf chi tr\u1ea3 ph\u00f9 h\u1ee3p, sau \u0111\u00f3 \u0111\u00e1nh gi\u00e1 c\u00e1c m\u1ee9c ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n trong c\u00e1c ph\u01b0\u01a1ng \u00e1n ph\u00f9 h\u1ee3p.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"gdzie-sprawdzic-dostepne-polisy-nnw\">T\u00f4i c\u00f3 th\u1ec3 tra c\u1ee9u c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n hi\u1ec7n c\u00f3 \u1edf \u0111\u00e2u?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m kh\u1edfi \u0111\u1ea7u c\u00f3 th\u1ec3 l\u00e0 vi\u1ec7c r\u00e0 so\u00e1t <a href=\"https:\/\/nazycie.pl\/vi\/nnw-ca-nhan\/\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n tr\u00ean na\u017bycie.pl<\/a>. Tr\u00ean trang s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3, h\u00e3y ki\u1ec3m tra c\u00e1c phi\u00ean b\u1ea3n v\u00e0 \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n \u00c1p d\u1ee5ng t\u01b0\u01a1ng \u1ee9ng tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-gdy-nie-rozumiem-obliczen\">N\u1ebfu t\u00f4i kh\u00f4ng hi\u1ec3u c\u00e1ch t\u00ednh m\u1ee9c tr\u1ee3 c\u1ea5p th\u00ec ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y y\u00eau c\u1ea7u gi\u1ea3i th\u00edch c\u1ee5 th\u1ec3 v\u1ec1 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n n\u00e0o \u0111\u00f3 v\u00e0 ch\u1ec9 ra ph\u01b0\u01a1ng \u00e1n m\u00e0 \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 \u00e1p d\u1ee5ng. Trong cu\u1ed9c tr\u00f2 chuy\u1ec7n, h\u00e3y ph\u00e2n bi\u1ec7t r\u00f5 c\u00e2u h\u1ecfi v\u1ec1 t\u1ed5ng s\u1ed1 ti\u1ec1n ch\u00ednh v\u1edbi c\u00e1c c\u00e2u h\u1ecfi v\u1ec1 ng\u01b0\u1ee1ng, m\u1ee9c t\u0103ng d\u1ea7n, vi\u1ec7c gi\u1ea3m t\u1ed5ng s\u1ed1 ti\u1ec1n v\u00e0 gi\u1edbi h\u1ea1n c\u1ee7a c\u00e1c kho\u1ea3n ph\u1ee5 c\u1ea5p.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"has-large-font-size wp-block-paragraph\"><strong>H\u00e3y l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) d\u1ef1a tr\u00ean c\u00e1c quy \u0111\u1ecbnh v\u1ec1 chi tr\u1ea3, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng, nh\u01b0ng ch\u1ec9 c\u00f3 \u00fd ngh\u0129a khi \u0111\u01b0\u1ee3c xem x\u00e9t c\u00f9ng v\u1edbi c\u00e1c ph\u01b0\u01a1ng \u00e1n b\u1ea3o hi\u1ec3m, c\u01a1 ch\u1ebf t\u00ednh to\u00e1n quy\u1ec1n l\u1ee3i v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n. B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra xem s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c kh\u00f4i ph\u1ee5c sau s\u1ef1 c\u1ed1 ti\u1ebfp theo hay s\u1ebd b\u1ecb gi\u1ea3m \u0111i sau khi chi tr\u1ea3. Nh\u01b0 v\u1eady, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng \u0111\u00e1nh gi\u00e1 hi\u1ec7u qu\u1ea3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m h\u01a1n, thay v\u00ec \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh ch\u1ec9 d\u1ef1a tr\u00ean m\u1ed9t con s\u1ed1 \u1ea5n t\u01b0\u1ee3ng duy nh\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n mu\u1ed1n th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c ph\u01b0\u01a1ng \u00e1n v\u00e0 quy \u0111\u1ecbnh thanh to\u00e1n tr\u01b0\u1edbc khi mua h\u00e0ng? Ch\u00fang t\u00f4i s\u1ebd gi\u00fap b\u1ea1n xem x\u00e9t c\u00e1c gi\u1ea3i ph\u00e1p hi\u1ec7n c\u00f3 v\u00e0 l\u00e0m r\u00f5 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n quan tr\u1ecdng nh\u1ea5t.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/nazycie.pl\/vi\/lien-he\/\">H\u1eceI V\u1ec0 B\u1ea2O HI\u1ec2M TAI N\u1ea0N<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 g\u1ecdi \u0111\u1ebfn s\u1ed1 <strong>22 299 11 11<\/strong>.<\/p>","protected":false},"excerpt":{"rendered":"<p>H\u00e3y t\u00ecm hi\u1ec3u c\u00e1ch x\u00e1c \u0111\u1ecbnh m\u1ee9c b\u1ea3o hi\u1ec3m tai n\u1ea1n, \u0111\u00e1nh gi\u00e1 ph\u01b0\u01a1ng ph\u00e1p t\u00ednh to\u00e1n quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 so s\u00e1nh c\u00e1c ng\u01b0\u1ee1ng, t\u1ef7 l\u1ec7 t\u0103ng d\u1ea7n v\u00e0 gi\u1edbi h\u1ea1n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m.<\/p>","protected":false},"author":1,"featured_media":3568,"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":[27],"tags":[35,38,34,36,37],"class_list":["post-3569","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":"<!-- 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