{"id":3588,"date":"2026-10-26T22:47:11","date_gmt":"2026-10-26T21:47:11","guid":{"rendered":"https:\/\/nazycie.pl\/?p=3588"},"modified":"2026-10-26T22:47:11","modified_gmt":"2026-10-26T21:47:11","slug":"chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-tai-ba-lan-2","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/vi\/poradnik\/koszty-leczenie-cudzoziemca\/koszty-leczenia-cudzoziemca-w-polsce\/","title":{"rendered":"Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan \u2013 ai s\u1ebd chi tr\u1ea3?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thanh to\u00e1n theo b\u1ea3o hi\u1ec3m khi s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3 \u0111\u00f3 n\u1eb1m trong ph\u1ea1m vi \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft. Ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ai s\u1ebd chi tr\u1ea3 h\u00f3a \u0111\u01a1n. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i ki\u1ec3m tra <strong>ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>, m\u1ee9c b\u1ea3o hi\u1ec3m, gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5 li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1. Phi\u00ean b\u1ea3n c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u0169ng r\u1ea5t quan tr\u1ecdng, b\u1edfi v\u00ec c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau c\u00f3 th\u1ec3 \u0111\u1ecbnh ngh\u0129a ph\u1ea1m vi b\u1ea3o hi\u1ec3m theo nh\u1eefng c\u00e1ch kh\u00e1c nhau. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch nh\u1eefng n\u1ed9i dung c\u1ea7n ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa, Ergo Hestia v\u00e0 Uniqa. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea3i ph\u00e1p chung cho m\u1ecdi t\u00ecnh hu\u1ed1ng, m\u00e0 l\u00e0 m\u1ed9t c\u00e1ch th\u1ef1c ti\u1ec5n \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 li\u1ec7u c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ch\u1ecbu tr\u00e1ch nhi\u1ec7m hay kh\u00f4ng v\u00e0 theo nh\u1eefng nguy\u00ean t\u1eafc n\u00e0o <strong>chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u1ea5p c\u1ee9u t\u1ea1i Ba Lan<\/strong>.<\/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=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#od-czego-zalezy-pokrycie-kosztow-leczenia\">Vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ee5 thu\u1ed9c v\u00e0o nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o?<\/a><\/li>\n\n\n\n<li><a href=\"#jaki-zakres-moze-obejmowac-polisa-dla-cudzoziemca\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng n\u1ed9i dung n\u00e0o?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-dzialaja-suma-ubezpieczenia-podlimity-i-wylaczenia\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-przygotowac-zgloszenie-i-dokumenty\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd v\u00e0 c\u00e1c t\u00e0i li\u1ec7u?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a><\/li>\n\n\n\n<li><a href=\"#co-sprawdzic-przed-wyborem-polisy\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec tr\u01b0\u1edbc khi ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/a><\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h2 id=\"od-czego-zalezy-pokrycie-kosztow-leczenia\" class=\"wp-block-heading\">Vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ee5 thu\u1ed9c v\u00e0o nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1ea7n t\u00ecm c\u00e2u tr\u1ea3 l\u1eddi trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m <strong>ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn<\/strong> li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan. Sau \u0111\u00f3, h\u00e3y so s\u00e1nh m\u00f4 t\u1ea3 s\u1ef1 c\u1ed1 v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU). Ch\u1ec9 khi \u0111\u1ed1i chi\u1ebfu nh\u01b0 v\u1eady, b\u1ea1n m\u1edbi c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 li\u1ec7u chi ph\u00ed \u0111\u00f3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa n\u0103m 2026. Theo t\u00e0i li\u1ec7u n\u00e0y, \u0111i\u1ec1u kho\u1ea3n n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c n\u1ebfu ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u0111\u00e3 l\u1ef1a ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0y. \u0110i\u1ec1u kho\u1ea3n n\u00e0y bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf cho b\u1ec7nh t\u1eadt ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n x\u1ea3y ra t\u1ea1i Ba Lan, trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i n\u01b0\u1edbc n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 m\u1ed9t s\u1ef1 ph\u00e2n bi\u1ec7t quan tr\u1ecdng. T\u00e0i li\u1ec7u n\u00e0y kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn b\u1ea5t k\u1ef3 kho\u1ea3n chi ph\u00ed y t\u1ebf n\u00e0o. T\u00e0i li\u1ec7u n\u00e0y g\u1eafn tr\u00e1ch nhi\u1ec7m v\u1edbi ph\u1ea1m vi v\u00e0 s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3: <strong>b\u1ec7nh t\u1eadt ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n<\/strong> c\u1ea7n \u0111\u01b0\u1ee3c \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c. Kh\u00f4ng n\u00ean t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng quy \u0111\u1ecbnh n\u00e0y cho c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c ho\u1eb7c c\u00e1c phi\u00ean b\u1ea3n kh\u00e1c c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady, tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, n\u00ean t\u1ed5ng h\u1ee3p ba y\u1ebfu t\u1ed1 sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-zakres:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-zakres 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-itemsea93ecf6-zakres ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-zakres .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-zakres ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsea93ecf6-zakres 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-itemsea93ecf6-zakres ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-zakres .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-zakres ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-zakres .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsea93ecf6-zakres 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-ea93ecf6-zakres-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-zakres-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-ea93ecf6-zakres-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Li\u1ec7u bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean l\u00e3nh th\u1ed5 Ba Lan hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-zakres-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-zakres-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-ea93ecf6-zakres-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\">nh\u1eefng s\u1ef1 ki\u1ec7n n\u00e0o d\u1eabn \u0111\u1ebfn tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-zakres-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-zakres-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-ea93ecf6-zakres-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">li\u1ec7u ph\u1ea1m vi \u0111\u00f3 c\u00f3 ph\u1ea3i l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a ph\u01b0\u01a1ng \u00e1n ho\u1eb7c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn hay kh\u00f4ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n t\u00ecm hi\u1ec3u tr\u01b0\u1edbc v\u1ec1 c\u00f4ng d\u1ee5ng c\u01a1 b\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m, h\u00e3y \u0111\u1ecdc ph\u1ea7n m\u00f4 t\u1ea3 <a href=\"https:\/\/nazycie.pl\/vi\/klc\/\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. Ngo\u00e0i ra, ch\u00fang t\u00f4i c\u0169ng gi\u1ea3i th\u00edch ri\u00eang v\u1ec1 <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai\/nguoi-nuoc-ngoai-co-bat-buoc-phai-co-bao-hiem-o-ba-lan-khong\/\">Ngh\u0129a v\u1ee5 b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan<\/a>.<\/p>\n\n\n\n<h2 id=\"jaki-zakres-moze-obejmowac-polisa-dla-cudzoziemca\" class=\"wp-block-heading\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng n\u1ed9i dung n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u theo ngh\u0129a \u0111en v\u00e0 lu\u00f4n \u0111\u01b0\u1ee3c xem x\u00e9t trong b\u1ed1i c\u1ea3nh c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3. Trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Compensa n\u0103m 2026 \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn, ti\u00eau ch\u00ed tham chi\u1ebfu l\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c c\u00e1c di ch\u1ee9ng do tai n\u1ea1n x\u1ea3y ra t\u1ea1i Ba Lan. Vi\u1ec7c \u0111i\u1ec1u tr\u1ecb ph\u1ea3i l\u00e0 <strong>c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf<\/strong>, v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh \u0111\u00f3 <strong>kh\u00f4ng ch\u1eadm tr\u1ec5<\/strong> trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 th\u1ef1c t\u1ebf l\u00e0 tr\u01b0\u1eddng h\u1ee3p trong th\u1eddi gian l\u01b0u tr\u00fa, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ed9t ng\u1ed9t m\u1eafc b\u1ec7nh ho\u1eb7c g\u1eb7p tai n\u1ea1n v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c. M\u00f4 t\u1ea3 n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi lo\u1ea1i s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c n\u00eau trong \u0111i\u1ec1u kho\u1ea3n n\u00e0y, nh\u01b0ng v\u1eabn kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u0111\u1ea3m b\u1ea3o vi\u1ec7c chi tr\u1ea3. C\u1ea7n ph\u1ea3i xem x\u00e9t th\u00eam m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u0169ng nh\u01b0 c\u00e1c ngh\u0129a v\u1ee5 ph\u00e1t sinh t\u1eeb v\u0103n b\u1ea3n n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng cho r\u1eb1ng hai h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 t\u00ean t\u01b0\u01a1ng t\u1ef1 s\u1ebd c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m gi\u1ed1ng nhau. S\u1ef1 kh\u00e1c bi\u1ec7t c\u00f3 th\u1ec3 n\u1eb1m \u1edf c\u1ea5u tr\u00fac c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, c\u00e1ch th\u1ee9c \u00e1p d\u1ee5ng c\u00e1c gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 danh m\u1ee5c c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Do \u0111\u00f3, khi so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, h\u00e3y lu\u00f4n \u0111\u1ecdc k\u1ef9 t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng m\u00e0 b\u1ea1n th\u1ef1c s\u1ef1 d\u1ef1 \u0111\u1ecbnh k\u00fd k\u1ebft. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y ph\u1ea7n ph\u00e2n t\u00edch chi ti\u1ebft h\u01a1n v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y trong c\u1ea9m nang h\u01b0\u1edbng d\u1eabn v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y, <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-tai-ba-lan\/chinh-sach-bao-hiem-danh-cho-nguoi-nuoc-ngoai-tai-ba-lan-bao-gom-nhung-gi\/\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i bao g\u1ed3m nh\u1eefng g\u00ec?<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong th\u1ef1c t\u1ebf, t\u1ed1t nh\u1ea5t l\u00e0 n\u00ean y\u00eau c\u1ea7u m\u1ed9t h\u01b0\u1edbng d\u1eabn r\u00f5 r\u00e0ng:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-polisa:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-polisa 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-itemsea93ecf6-polisa ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-polisa .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-polisa ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsea93ecf6-polisa 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-itemsea93ecf6-polisa ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-polisa .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-polisa ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-polisa .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsea93ecf6-polisa 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-ea93ecf6-polisa-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-polisa-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-ea93ecf6-polisa-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\">t\u00ean s\u1ea3n ph\u1ea9m v\u00e0 phi\u00ean b\u1ea3n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-polisa-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-polisa-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-ea93ecf6-polisa-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\">th\u1eddi gian v\u00e0 ph\u1ea1m vi b\u1ea3o v\u1ec7;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-polisa-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-polisa-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-ea93ecf6-polisa-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 quan tr\u1ecdng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-polisa-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-polisa-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-ea93ecf6-polisa-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\">phi\u00ean b\u1ea3n \u0111\u00fang c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-polisa-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-polisa-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-ea93ecf6-polisa-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\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c b\u00e1o c\u00e1o s\u1ef1 c\u1ed1.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h2 id=\"jak-dzialaja-suma-ubezpieczenia-podlimity-i-wylaczenia\" class=\"wp-block-heading\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/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<p class=\"has-medium-font-size wp-block-paragraph\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong> \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 m\u00f4 t\u1ea3 v\u1ec1 ph\u1ea1m vi, m\u00e0 l\u00e0 gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. Trong t\u00e0i li\u1ec7u c\u1ee7a Ergo Hestia c\u00f3 ghi n\u0103m 2016, m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh l\u00e0 30.000 EUR cho g\u00f3i STANDARD v\u00e0 50.000 EUR cho g\u00f3i OPTIMUM. \u0110\u00e2y l\u00e0 c\u00e1c kho\u1ea3n ti\u1ec1n t\u00ednh tr\u00ean m\u1ed7i ng\u01b0\u1eddi, cho m\u1ed9t ho\u1eb7c t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra trong th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. C\u00e1c con s\u1ed1 n\u00e0y ph\u1ea3n \u00e1nh c\u1ea5u tr\u00fac c\u1ee7a t\u00e0i li\u1ec7u \u0111\u00f3; ch\u00fang kh\u00f4ng x\u00e1c nh\u1eadn s\u1ef1 s\u1eb5n c\u00f3 hi\u1ec7n t\u1ea1i c\u1ee7a c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u00e1n h\u00e0ng hi\u1ec7n h\u00e0nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00e0i li\u1ec7u c\u1ee7a Uniqa n\u0103m 2020 quy \u0111\u1ecbnh m\u1ee9c b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 nh\u01b0 sau: <strong>gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m<\/strong> \u0111\u1ed1i v\u1edbi t\u1eebng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. B\u00e1o c\u00e1o c\u0169ng ch\u1ec9 ra r\u1eb1ng c\u00e1c gi\u00e1 tr\u1ecb n\u00e0y c\u00f3 th\u1ec3 <strong>s\u1ebd gi\u1ea3m \u0111i sau m\u1ed7i l\u1ea7n r\u00fat ti\u1ec1n<\/strong> c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng. C\u00e1c m\u1ee9c c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 trong b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng \u0111\u00f3.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1eeb g\u00f3c \u0111\u1ed9 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 kh\u00f4ng th\u1ec3 ch\u1ec9 d\u1ef1a v\u00e0o m\u1ed9t m\u1ee9c b\u1ea3o hi\u1ec3m cao duy nh\u1ea5t \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng. C\u1ea7n ph\u1ea3i ki\u1ec3m tra xem li\u1ec7u \u0111\u1ed1i v\u1edbi lo\u1ea1i quy\u1ec1n l\u1ee3i c\u1ee5 th\u1ec3 \u0111\u00f3 c\u00f3 \u00e1p d\u1ee5ng m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 th\u1ea5p h\u01a1n hay kh\u00f4ng, c\u0169ng nh\u01b0 vi\u1ec7c chi tr\u1ea3 tr\u01b0\u1edbc \u0111\u00f3 s\u1ebd \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f2n l\u1ea1i. N\u00ean xem x\u00e9t m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t t\u1ed5ng th\u1ec3 th\u1ed1ng nh\u1ea5t, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ba th\u00f4ng tin ri\u00eang l\u1ebb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Ergo Hestia n\u0103m 2016 \u0111\u00e3 lo\u1ea1i tr\u1eeb, trong s\u1ed1 nh\u1eefng \u0111i\u1ec1u kh\u00e1c, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, v\u1ed1n l\u00e0 <strong>m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn \u0111i<\/strong>, c\u0169ng nh\u01b0 vi\u1ec7c \u0111i\u1ec1u tr\u1ecb m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u00e3 bi\u1ebft tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh l\u00e0 c\u1ea7n thi\u1ebft ph\u1ea3i th\u1ef1c hi\u1ec7n ho\u1eb7c ti\u1ebfp t\u1ee5c. \u0110\u00e2y l\u00e0 \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong v\u0103n b\u1ea3n n\u00e0y, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng c\u1ea7n ki\u1ec3m tra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, \u0111\u1eebng ch\u1ec9 h\u1ecfi v\u1ec1 m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a. H\u00e3y h\u1ecfi th\u00eam v\u1ec1 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 \u00e1p d\u1ee5ng cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u00e1ch th\u1ee9c kh\u1ea5u tr\u1eeb c\u00e1c kho\u1ea3n n\u00e0y c\u0169ng nh\u01b0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. \u0110\u1eb7c bi\u1ec7t, h\u00e3y ki\u1ec3m tra <strong>c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u tr\u1ecb<\/strong>, m\u00e0 b\u1ea1n \u0111\u00e3 bi\u1ebft l\u00e0 c\u1ea7n thi\u1ebft tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh \u2014 \u0111i\u1ec1u kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a Ergo Hestia n\u0103m 2016 \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn.<\/p>\n\n\n\n<h2 id=\"jak-przygotowac-zgloszenie-i-dokumenty\" class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd v\u00e0 c\u00e1c t\u00e0i li\u1ec7u?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 b\u1ea3n ch\u1ea5t c\u1ee7a s\u1ef1 c\u1ed1 m\u00e0 c\u00f2n l\u00e0 c\u00e1ch th\u1ee9c ghi ch\u00e9p l\u1ea1i. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Compensa n\u0103m 2026 y\u00eau c\u1ea7u cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00ecnh ti\u1ebft v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i, bao g\u1ed3m c\u1ea3 h\u1ed3 s\u01a1 y t\u1ebf. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u0169ng n\u00ean tu\u00e2n th\u1ee7 c\u00e1c h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, n\u1ebfu c\u00f3. Danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i s\u1ef1 c\u1ed1 v\u00e0 kh\u00f4ng ph\u1ea3i l\u00e0 danh s\u00e1ch c\u1ed1 \u0111\u1ecbnh \u2013 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u00f9y theo ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00e0i li\u1ec7u c\u1ee7a Uniqa n\u0103m 2020 n\u00eau r\u00f5 r\u1eb1ng \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn, trong s\u1ed1 nh\u1eefng kho\u1ea3n kh\u00e1c, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ea3i bao g\u1ed3m <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>, <strong>m\u00f4 t\u1ea3 t\u00ecnh ti\u1ebft v\u1ee5 vi\u1ec7c<\/strong>, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u00f9ng c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh chi ph\u00ed \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u1ea7n ph\u1ea3i duy tr\u00ec m\u1ed9t b\u1ed9 th\u00f4ng tin nh\u1ea5t qu\u00e1n ngay t\u1eeb khi v\u1ee5 vi\u1ec7c b\u1eaft \u0111\u1ea7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc h\u1ebft, h\u00e3y chu\u1ea9n b\u1ecb:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-dokumenty:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-dokumenty 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-itemsea93ecf6-dokumenty ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-dokumenty .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-dokumenty ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsea93ecf6-dokumenty 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-itemsea93ecf6-dokumenty ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-dokumenty .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-dokumenty ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea93ecf6-dokumenty .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsea93ecf6-dokumenty 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-ea93ecf6-dokumenty-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-dokumenty-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-ea93ecf6-dokumenty-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\">c\u00e1c th\u00f4ng tin cho ph\u00e9p x\u00e1c \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-dokumenty-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-dokumenty-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-ea93ecf6-dokumenty-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\">m\u00f4 t\u1ea3 theo tr\u00ecnh t\u1ef1 th\u1eddi gian v\u1ec1 nh\u1eefng g\u00ec \u0111\u00e3 x\u1ea3y ra;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-dokumenty-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-dokumenty-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-ea93ecf6-dokumenty-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>h\u1ed3 s\u01a1 y t\u1ebf<\/strong> trong \u0111\u00f3 n\u00eau r\u00f5 ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-dokumenty-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-dokumenty-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-ea93ecf6-dokumenty-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>h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n<\/strong> theo quy \u0111\u1ecbnh c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u00f3 li\u00ean quan;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea93ecf6-dokumenty-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea93ecf6-dokumenty-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-ea93ecf6-dokumenty-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\u00e1c b\u1eb1ng ch\u1ee9ng kh\u00e1c m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Nguy\u00ean t\u1eafc th\u1ef1c ti\u1ec5n l\u00e0: <strong>\u0110\u1eebng v\u1ee9t b\u1ecf c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn s\u1ef1 vi\u1ec7c<\/strong>. H\u00e3y l\u01b0u gi\u1eef b\u1ea3n g\u1ed1c ho\u1eb7c b\u1ea3n sao r\u00f5 r\u00e0ng t\u1ea1i m\u1ed9t n\u01a1i v\u00e0 tham kh\u1ea3o k\u1ef9 h\u01b0\u1edbng d\u1eabn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. \u0110\u1eebng \u00e1p d\u1ee5ng quy tr\u00ecnh d\u1ef1a tr\u00ean nh\u1eefng y\u00eau c\u1ea7u m\u00e0 b\u1ea1n nh\u1edb \u0111\u01b0\u1ee3c t\u1eeb m\u1ed9t s\u1ea3n ph\u1ea9m kh\u00e1c, v\u00ec c\u00e1c t\u00e0i li\u1ec7u v\u00e0 c\u00e1ch th\u1ee9c khai b\u00e1o c\u00f3 th\u1ec3 kh\u00e1c nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu trong th\u1eddi gian l\u01b0u tr\u00fa x\u1ea3y ra b\u1ec7nh t\u1eadt \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n, 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 l\u00e0m theo h\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. Khi th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1, \u0111\u1eebng th\u00eam th\u1eaft th\u00f4ng tin v\u00e0 \u0111\u1eebng b\u1ecf s\u00f3t c\u00e1c t\u00ecnh ti\u1ebft quan tr\u1ecdng. M\u00f4 t\u1ea3 r\u00f5 r\u00e0ng c\u00f9ng v\u1edbi \u0111\u1ea7y \u0111\u1ee7 c\u00e1c b\u1eb1ng ch\u1ee9ng c\u00f3 s\u1eb5n s\u1ebd gi\u00fap c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1nh gi\u00e1 s\u1ef1 vi\u1ec7c d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h2 id=\"faq\" class=\"wp-block-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/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 id=\"czy-kazda-polisa-dla-cudzoziemca-pokrywa-kazdy-koszt-leczenia\" class=\"wp-block-heading\">Li\u1ec7u m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 chi tr\u1ea3 m\u1ecdi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 \u0111\u01b0a ra k\u1ebft lu\u1eadn nh\u01b0 v\u1eady ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean g\u1ecdi c\u1ee7a s\u1ea3n ph\u1ea9m. Ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m ph\u1ee5 thu\u1ed9c v\u00e0o ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn trong h\u1ee3p \u0111\u1ed3ng, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ho\u00e0n c\u1ea3nh x\u1ea3y ra s\u1ef1 ki\u1ec7n. M\u1ed7i t\u00ecnh hu\u1ed1ng c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t d\u1ef1a tr\u00ean ch\u00ednh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) t\u01b0\u01a1ng \u1ee9ng.<\/p>\n\n\n\n<h3 id=\"czy-nagla-choroba-moze-byc-objeta-ochrona\" class=\"wp-block-heading\">B\u1ec7nh \u0111\u1ed9t ng\u1ed9t c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Compensa n\u0103m 2026, ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf \u0111\u1ed1i v\u1edbi b\u1ec7nh ph\u00e1t sinh t\u1ea1i Ba Lan v\u00e0 m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c. \u0110\u00e2y l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 n\u00e0y, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng hi\u1ec7n c\u00f3.<\/p>\n\n\n\n<h3 id=\"czy-nastepstwa-nieszczesliwego-wypadku-mieszcza-sie-w-zakresie\" class=\"wp-block-heading\">C\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a v\u1ee5 tai n\u1ea1n c\u00f3 n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00f9ng \u0111i\u1ec1u kho\u1ea3n n\u00e0y c\u1ee7a Compensa, c\u00e1c tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n x\u1ea3y ra t\u1ea1i Ba Lan \u0111\u01b0\u1ee3c n\u00eau r\u00f5, n\u1ebfu c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3 \u0111\u00f2i h\u1ecfi ph\u1ea3i \u0111\u01b0\u1ee3c \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft v\u00e0 kh\u1ea9n c\u1ea5p. Tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, qu\u00fd kh\u00e1ch n\u00ean x\u00e1c nh\u1eadn l\u1ea1i \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng trong t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<h3 id=\"czy-wysoka-suma-ubezpieczenia-wystarczy\" class=\"wp-block-heading\">M\u1ee9c b\u1ea3o hi\u1ec3m cao nh\u01b0 v\u1eady c\u00f3 \u0111\u1ee7 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Ch\u1ec9 ri\u00eang m\u1ee9c b\u1ed3i th\u01b0\u1eddng kh\u00f4ng th\u1ec3 ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 t\u1ea5t c\u1ea3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 tr\u00e1ch nhi\u1ec7m. C\u1ea7n ph\u1ea3i ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1ch th\u1ee9c kh\u1ea5u tr\u1eeb t\u1eeb m\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u00f3 s\u1eb5n c\u0169ng nh\u01b0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Ch\u1ec9 khi xem x\u00e9t to\u00e0n b\u1ed9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n th\u00ec m\u1edbi c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c c\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 id=\"czy-wczesniejsza-wyplata-moze-zmniejszyc-pozostaly-limit\" class=\"wp-block-heading\">Vi\u1ec7c r\u00fat ti\u1ec1n tr\u01b0\u1edbc h\u1ea1n c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m h\u1ea1n m\u1ee9c c\u00f2n l\u1ea1i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00e0i li\u1ec7u c\u1ee7a Uniqa n\u0103m 2020 quy \u0111\u1ecbnh vi\u1ec7c gi\u1ea3m m\u1ee9c b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ed7i kho\u1ea3n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 \u0111\u01b0\u1ee3c chi tr\u1ea3. Lu\u00f4n c\u1ea7n tham kh\u1ea3o c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh trong t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h3 id=\"jakie-dokumenty-warto-zachowac-po-zdarzeniu\" class=\"wp-block-heading\">Sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra, n\u00ean gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u01a1 s\u1edf l\u00e0 c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u00f3 li\u00ean quan. Trong c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp n\u00e0y bao g\u1ed3m, trong s\u1ed1 nh\u1eefng th\u1ee9 kh\u00e1c, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 s\u1ef1 c\u1ed1, h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed. T\u00f9y theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00e1c b\u1eb1ng ch\u1ee9ng kh\u00e1c.<\/p>\n<\/div><\/div>\n\n\n\n<h2 id=\"co-sprawdzic-przed-wyborem-polisy\" class=\"wp-block-heading\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec tr\u01b0\u1edbc khi ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng <strong>Ki\u1ec3m tra phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/strong> v\u00e0 h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng n\u00f3 ph\u00f9 h\u1ee3p v\u1edbi s\u1ea3n ph\u1ea9m v\u00e0 phi\u00ean b\u1ea3n \u0111\u01b0\u1ee3c cung c\u1ea5p. Sau \u0111\u00f3 <strong>H\u00e3y \u0111\u1ecdc c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7<\/strong>, h\u00e3y so s\u00e1nh s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 ki\u1ec3m tra xem vi\u1ec7c chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng s\u1ebd \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f2n l\u1ea1i. \u0110\u1ed3ng th\u1eddi, h\u00e3y ghi l\u1ea1i h\u01b0\u1edbng d\u1eabn x\u1eed l\u00fd trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi x\u1ea3y ra thi\u1ec7t h\u1ea1i <strong>gi\u1eef l\u1ea1i c\u00e1c t\u00e0i li\u1ec7u<\/strong> i <strong>b\u00e1o c\u00e1o s\u1ef1 c\u1ed1 theo \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>. \u0110\u1eebng cho r\u1eb1ng th\u1ee7 t\u1ee5c \u0111\u00e3 bi\u1ebft t\u1eeb m\u1ed9t h\u1ee3p \u0111\u1ed3ng kh\u00e1c s\u1ebd gi\u1ed1ng h\u1ec7t nhau. C\u00e1c t\u00e0i li\u1ec7u ph\u00f9 h\u1ee3p l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 c\u1ea3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u1eabn ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n \u0111ang t\u00ecm ki\u1ebfm g\u00f3i b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan? H\u00e3y s\u1eed d\u1ee5ng bi\u1ec3u m\u1eabu \u0111\u0103ng k\u00fd c\u1ee7a ch\u00fang t\u00f4i v\u00e0 ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng.<\/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\/cam-nang\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai\/mua-bao-hiem-cho-nguoi-nuoc-ngoai-o-ba-lan-o-dau\/\">MUA B\u1ea2O HI\u1ec2M CHO NG\u01af\u1edcI N\u01af\u1edaC NGO\u00c0I<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thanh to\u00e1n theo b\u1ea3o hi\u1ec3m khi s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3 \u0111\u00f3 n\u1eb1m trong ph\u1ea1m vi \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 k\u00fd k\u1ebft\u2026<\/p>","protected":false},"author":1,"featured_media":3587,"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":[32],"tags":[78,79,80,81],"class_list":["post-3588","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-koszty-leczenie-cudzoziemca","tag-koszty-leczenia-cudzoziemca-w-polsce","tag-kto-placi-za-leczenie-cudzoziemca","tag-leczenie-obcokrajowca-w-polsce","tag-ubezpieczenie-cudzoziemca"],"acf":[],"yoast_head":"<!-- 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