{"id":3591,"date":"2026-10-29T00:24:13","date_gmt":"2026-10-28T23:24:13","guid":{"rendered":"https:\/\/nazycie.pl\/?p=3591"},"modified":"2026-10-29T00:24:13","modified_gmt":"2026-10-28T23:24:13","slug":"thoi-gian-cho-trong-hop-dong-bao-hiem-danh-cho-nguoi-nuoc-ngoai-khi-nao-bao-hiem-bat-dau-co-hieu-luc","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/vi\/poradnik\/koszty-leczenie-cudzoziemca\/karencja-w-polisie-dla-cudzoziemca-kiedy-zaczyna-sie-ochrona\/","title":{"rendered":"Th\u1eddi gian ch\u1edd trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 khi n\u00e0o b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, c\u00f3 th\u1ec3 c\u00f3 m\u1ed9t s\u1ed1 ng\u00e0y tr\u00f4ng gi\u1ed1ng nhau nh\u01b0ng l\u1ea1i tr\u1ea3 l\u1eddi cho c\u00e1c c\u00e2u h\u1ecfi kh\u00e1c nhau. Ng\u00e0y mua b\u1ea3o hi\u1ec3m kh\u00f4ng nh\u1ea5t thi\u1ebft t\u1ef1 n\u00f3 quy\u1ebft \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c. C\u1ea7n ph\u1ea3i ki\u1ec3m tra ri\u00eang <strong>ng\u00e0y k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng<\/strong>, <strong>th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9<\/strong> v\u00e0 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 <strong>th\u1eddi gian \u00e2n h\u1ea1n (n\u1ebfu c\u00f3)<\/strong>. C\u00e1c \u0111i\u1ec1u ki\u1ec7n thanh to\u00e1n, g\u00f3i d\u1ecbch v\u1ee5 \u0111\u00e3 ch\u1ecdn v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o h\u1ee3p \u0111\u1ed3ng c\u0169ng c\u00f3 th\u1ec3 c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng. Do \u0111\u00f3, kh\u00f4ng n\u00ean d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m hay b\u1ea3n x\u00e1c nh\u1eadn mua h\u00e0ng \u0111\u1ec3 \u0111\u01b0a ra c\u00e2u tr\u1ea3 l\u1eddi. C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 so s\u00e1nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 v\u00e0 xem x\u00e9t to\u00e0n b\u1ed9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n nh\u01b0 m\u1ed9t th\u1ec3 th\u1ed1ng nh\u1ea5t. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd h\u01b0\u1edbng d\u1eabn c\u00e1ch th\u1ef1c hi\u1ec7n t\u1eebng b\u01b0\u1edbc m\u1ed9t, c\u00e1ch nh\u1eadn bi\u1ebft kho\u1ea3ng tr\u1ed1ng gi\u1eefa hai h\u1ee3p \u0111\u1ed3ng v\u00e0 nh\u1eefng k\u1ebft lu\u1eadn n\u00e0o kh\u00f4ng n\u00ean \u0111\u01b0a ra n\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong c\u00e1c t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#trzy-daty-ktorych-nie-nalezy-mylic\">Ba ng\u00e0y kh\u00f4ng n\u00ean nh\u1ea7m l\u1eabn<\/a><\/li>\n\n\n<li><a href=\"#jak-rozpoznac-karencje-w-dokumentach\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u1eadn bi\u1ebft th\u1eddi gian ch\u1edd trong c\u00e1c t\u00e0i li\u1ec7u<\/a><\/li>\n\n\n<li><a href=\"#co-sprawdzic-w-polisie-i-owu\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung<\/a><\/li>\n\n\n<li><a href=\"#przerwa-miedzy-kolejnymi-okresami-ochrony\">Kho\u1ea3ng th\u1eddi gian gi\u1eefa c\u00e1c giai \u0111o\u1ea1n b\u1ea3o h\u1ed9 li\u00ean ti\u1ebfp<\/a><\/li>\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n\n<li><a href=\"#jak-ustalic-wlasciwa-date-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ng\u00e0y ch\u00ednh x\u00e1c tr\u01b0\u1edbc khi mua<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"trzy-daty-ktorych-nie-nalezy-mylic\">Ba ng\u00e0y kh\u00f4ng n\u00ean nh\u1ea7m l\u1eabn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u00e0y k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m m\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft. Ng\u00e0y n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ch\u1ee9ng ch\u1ec9 ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn vi\u1ec7c c\u1ea5p t\u00e0i li\u1ec7u. Tuy nhi\u00ean, kh\u00f4ng n\u00ean t\u1ef1 \u0111\u1ed9ng coi ng\u00e0y n\u00e0y l\u00e0 ng\u00e0y \u0111\u1ea7u ti\u00ean m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m. <strong>M\u1ed9t ng\u00e0y kh\u00f4ng th\u1ec3 thay th\u1ebf cho nh\u1eefng ng\u00e0y c\u00f2n l\u1ea1i<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m l\u00e0 ng\u00e0y, v\u00e0 \u0111\u00f4i khi c\u1ea3 gi\u1edd, m\u00e0 theo c\u00e1c t\u00e0i li\u1ec7u, b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c. Tr\u01b0\u1edbc h\u1ebft, h\u00e3y t\u00ecm th\u00f4ng tin n\u00e0y tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn. Ti\u1ebfp theo, h\u00e3y ki\u1ec3m tra xem \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u00f3 quy \u0111\u1ecbnh vi\u1ec7c b\u1eaft \u0111\u1ea7u tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m ph\u1ea3i tu\u00e2n theo c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1ed5 sung hay kh\u00f4ng. \u0110\u1eebng \u00e1p d\u1ee5ng m\u1ed9t quy t\u1eafc chung cho t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m, b\u1edfi v\u00ec <strong>\u0110\u1eebng x\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m ch\u1ec9 d\u1ef1a tr\u00ean vi\u1ec7c mua h\u00e0ng<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi gian ch\u1edd, n\u1ebfu \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3, l\u00e0 kho\u1ea3ng th\u1eddi gian ch\u1edd \u0111\u1ee3i \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3. Vi\u1ec7c ch\u1ec9 x\u00e1c \u0111\u1ecbnh ng\u00e0y b\u1eaft \u0111\u1ea7u th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng m\u1ecdi th\u00e0nh ph\u1ea7n trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn \u0111\u1ec1u c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb c\u00f9ng th\u1eddi \u0111i\u1ec3m \u0111\u00f3. M\u1eb7t kh\u00e1c, vi\u1ec7c kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn t\u1eeb \u201eth\u1eddi gian ch\u1edd\u201d \u1edf m\u1ed9t ch\u1ed7 n\u00e0o \u0111\u00f3 c\u0169ng kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 k\u1ebft lu\u1eadn r\u1eb1ng kh\u00f4ng c\u00f3 th\u1eddi gian ch\u1edd n\u00e0o t\u1ed3n t\u1ea1i. <strong>\u0110i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung s\u1ebd l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong th\u1ef1c t\u1ebf, h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng m\u1ed9t b\u1ea3ng t\u1ed5ng h\u1ee3p \u0111\u01a1n gi\u1ea3n:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-daty:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-daty 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-itemsklc-daty ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-daty .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-daty ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-daty 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-itemsklc-daty ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-daty .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-daty ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-daty .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsklc-daty 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-klc-daty-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-daty-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-klc-daty-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\">th\u1eddi \u0111i\u1ec3m k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-daty-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-daty-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-klc-daty-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 \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac c\u1ee7a k\u1ef3 h\u1ea1n \u0111\u01b0\u1ee3c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-daty-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-daty-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-klc-daty-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\">T\u00e0i li\u1ec7u c\u00f3 n\u00eau r\u00f5 gi\u1edd b\u1eaft \u0111\u1ea7u ho\u1eb7c gi\u1edd k\u1ebft th\u00fac kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-daty-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-daty-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-klc-daty-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\">Li\u1ec7u \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u00f3 quy \u0111\u1ecbnh \u0111i\u1ec1u ki\u1ec7n b\u1ed5 sung n\u00e0o \u0111\u1ec3 b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-daty-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-daty-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-klc-daty-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\">Trong ph\u1ea1m vi c\u1ee5 th\u1ec3 \u0111\u00f3, li\u1ec7u c\u00f3 ghi ch\u00fa n\u00e0o v\u1ec1 th\u1eddi gian ch\u1edd \u0111\u1ee3i hay kh\u00f4ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-rozpoznac-karencje-w-dokumentach\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u1eadn bi\u1ebft th\u1eddi gian ch\u1edd trong c\u00e1c t\u00e0i li\u1ec7u<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng ch\u1ec9 t\u1eadp trung v\u00e0o m\u1ed9t t\u1eeb duy nh\u1ea5t. \u0110i\u1ec1u kho\u1ea3n c\u00f3 th\u1ec3 m\u00f4 t\u1ea3 th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch ch\u1ec9 r\u00f5 th\u1eddi \u0111i\u1ec3m m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m, ho\u1eb7c b\u1eb1ng c\u00e1ch g\u1eafn tr\u00e1ch nhi\u1ec7m v\u1edbi m\u1ed9t \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3. Tuy nhi\u00ean, n\u1ebfu kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng, kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u00fd suy di\u1ec5n hi\u1ec7u l\u1ef1c c\u1ee7a \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 hay gi\u1ea3 \u0111\u1ecbnh s\u1ed1 ng\u00e0y c\u1ee5 th\u1ec3. <strong>Th\u1eddi gian ch\u1edd kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n t\u1ef1 \u0111\u1ed9ng c\u00f3 trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u1ecdc c\u00e1c t\u00e0i li\u1ec7u, h\u00e3y ch\u00fa \u00fd \u0111\u1ebfn c\u00e1c ch\u01b0\u01a1ng c\u00f3 ti\u00eau \u0111\u1ec1 \u201eth\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m\u201d, \u201eth\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac tr\u00e1ch nhi\u1ec7m\u201d, \u201evi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng\u201d, \u201eph\u00ed b\u1ea3o hi\u1ec3m\u201d v\u00e0 \u201ec\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 gi\u1edbi h\u1ea1n\u201d. T\u00ean c\u00e1c m\u1ee5c n\u00e0y c\u00f3 th\u1ec3 kh\u00e1c nhau, do \u0111\u00f3 b\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra c\u00e1c \u0111\u1ecbnh ngh\u0129a v\u00e0 m\u1ee5c l\u1ee5c. N\u1ebfu s\u1ea3n ph\u1ea9m c\u00f3 nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n ho\u1eb7c ph\u01b0\u01a1ng \u00e1n, h\u00e3y \u0111\u1ecdc k\u1ef9 quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho \u0111i\u1ec1u kho\u1ea3n ho\u1eb7c ph\u01b0\u01a1ng \u00e1n \u0111\u00f3, \u0111\u01b0\u1ee3c ghi r\u00f5 tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Compensa d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026 cho th\u1ea5y l\u00fd do t\u1ea1i sao \u0111i\u1ec1u n\u00e0y l\u1ea1i quan tr\u1ecdng: vi\u1ec7c b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan c\u00f9ng v\u1edbi d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng d\u1ef1a tr\u00ean \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn, n\u1ebfu ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn. <strong>Vi\u1ec7c k\u00fd k\u1ebft b\u1ea5t k\u1ef3 h\u1ee3p \u0111\u1ed3ng n\u00e0o c\u0169ng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng ch\u1ee9ng minh r\u1eb1ng \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o h\u1ee3p \u0111\u1ed3ng<\/strong>. Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng n\u00eau r\u00f5 ng\u00e0y b\u1eaft \u0111\u1ea7u c\u0169ng nh\u01b0 th\u1eddi h\u1ea1n \u00e2n h\u1ea1n; quy \u0111\u1ecbnh n\u00e0y ch\u1ec9 n\u00eau r\u00f5 r\u1eb1ng tr\u01b0\u1edbc khi \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7, c\u1ea7n ph\u1ea3i ki\u1ec3m tra c\u1ea5u tr\u00fac c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu n\u1ed9i dung quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 r\u00e0ng, \u0111\u1eebng t\u1ef1 \u00fd suy di\u1ec5n. H\u00e3y ghi l\u1ea1i ch\u00ednh x\u00e1c c\u00e2u h\u1ecfi: \u201eC\u00f3 kho\u1ea3ng th\u1eddi gian tr\u1ed1ng n\u00e0o gi\u1eefa th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u th\u1eddi h\u1ea1n ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn kh\u00f4ng?\u201d. \u0110\u1ec3 l\u00e0m r\u00f5 v\u1ea5n \u0111\u1ec1, h\u00e3y chu\u1ea9n b\u1ecb s\u1eb5n s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, t\u00ean g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 m\u00e3 s\u1ed1 c\u1ee7a c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u00f3 li\u00ean quan. <strong>C\u00e2u h\u1ecfi n\u00ean \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u00ean g\u1ecdi chung c\u1ee7a lo\u1ea1i b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic-w-polisie-i-owu\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u00f3 c\u00e1c ch\u1ee9c n\u0103ng kh\u00e1c nhau, do \u0111\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ecdc c\u00f9ng nhau. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a UNIQA n\u0103m 2020 n\u00eau r\u00f5 r\u1eb1ng c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m, t\u1ed5ng m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 trong b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n b\u1ea3o hi\u1ec3m. Quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng \u00e1p d\u1ee5ng cho th\u1eddi gian ch\u1edd, nh\u01b0ng kh\u1eb3ng \u0111\u1ecbnh nguy\u00ean t\u1eafc th\u1ef1c ti\u1ec5n v\u1ec1 m\u1eb7t t\u00e0i li\u1ec7u: <strong>C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng, vui l\u00f2ng tham kh\u1ea3o th\u00eam trong gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m<\/strong>, kh\u00f4ng ch\u1ec9 trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi x\u00e1c \u0111\u1ecbnh ng\u00e0y b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c b\u1ea3o h\u1ed9, h\u00e3y ki\u1ec3m tra l\u1ea7n l\u01b0\u1ee3t c\u00e1c n\u1ed9i dung sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-dokumenty:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-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-itemsklc-dokumenty ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-dokumenty .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-dokumenty ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-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-itemsklc-dokumenty ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-dokumenty .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-dokumenty ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-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-itemsklc-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-klc-dokumenty-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-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-klc-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\"><strong>T\u00e0i li\u1ec7u c\u00e1 nh\u00e2n:<\/strong> s\u1ed1 h\u1ee3p \u0111\u1ed3ng, th\u00f4ng tin ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, g\u00f3i b\u1ea3o hi\u1ec3m, ng\u00e0y v\u00e0 (n\u1ebfu c\u00f3) gi\u1edd b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac th\u1eddi h\u1ea1n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-dokumenty-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-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-klc-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\"><strong>Phi\u00ean b\u1ea3n ch\u00ednh th\u1ee9c c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung:<\/strong> t\u00ean, m\u00e3 phi\u00ean b\u1ea3n ho\u1eb7c ng\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 s\u1ef1 tu\u00e2n th\u1ee7 theo ch\u00ednh s\u00e1ch.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-dokumenty-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-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-klc-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\">C\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn: li\u1ec7u ph\u1ea1m vi m\u00e0 c\u00e2u h\u1ecfi \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00f3 th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o hay kh\u00f4ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-dokumenty-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-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-klc-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>\u0110i\u1ec1u ki\u1ec7n ph\u00e1t sinh tr\u00e1ch nhi\u1ec7m:<\/strong> T\u00e0i li\u1ec7u n\u00e0y c\u00f3 n\u00eau ra \u0111i\u1ec1u ki\u1ec7n b\u1ed5 sung n\u00e0o c\u1ea7n ph\u1ea3i \u0111\u00e1p \u1ee9ng hay kh\u00f4ng?.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-dokumenty-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-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-klc-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\"><strong>C\u00e1c \u0111i\u1ec1u kho\u1ea3n thanh to\u00e1n:<\/strong> Th\u1eddi h\u1ea1n n\u00e0o \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) quy \u0111\u1ecbnh h\u1eadu qu\u1ea3 nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ed1i v\u1edbi vi\u1ec7c tu\u00e2n th\u1ee7 ho\u1eb7c kh\u00f4ng tu\u00e2n th\u1ee7 th\u1eddi h\u1ea1n \u0111\u00f3.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-dokumenty-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-dokumenty-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-klc-dokumenty-6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">C\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb: c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0o m\u00f4 t\u1ea3 c\u00e1c t\u00ecnh hu\u1ed1ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd.<\/span><\/li>\n<\/ul><\/div>\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 Ubezpieczenia, c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong t\u1eebng \u0111i\u1ec1u kho\u1ea3n v\u00e0 kho\u1ea3n m\u1ee5c. \u0110\u00e2y l\u00e0 m\u1ed9t d\u1ea5u hi\u1ec7u t\u00edch c\u1ef1c cho th\u1ea5y kh\u00f4ng n\u00ean ch\u1ec9 \u0111\u1ecdc qua trang b\u00eca m\u00e0 n\u00ean \u0111\u1ecdc k\u1ef9 to\u00e0n b\u1ed9 t\u00e0i li\u1ec7u. <strong>H\u00e3y ki\u1ec3m tra c\u00e1c \u0111\u01a1n v\u1ecb \u0111\u01b0\u1ee3c n\u00eau trong b\u1ea3ng th\u00f4ng tin<\/strong>, sau \u0111\u00f3 \u0111\u1ed1i chi\u1ebfu ch\u00fang v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang trong qu\u00e1 tr\u00ecnh l\u1ef1a ch\u1ecdn t\u00e0i li\u1ec7u, h\u00e3y \u0111\u1ecdc th\u00eam 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\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai-lam-the-nao-de-lua-chon\/\">C\u00e1ch ch\u1ecdn b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y th\u00f4ng tin v\u1ec1 s\u1ea3n ph\u1ea9m n\u00e0y tr\u00ean trang web <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>. C\u00e1c li\u00ean k\u1ebft n\u00e0y s\u1ebd m\u1edf c\u00e1c trang thu\u1ed9c c\u00f9ng m\u1ed9t t\u00ean mi\u1ec1n, nh\u01b0ng kh\u00f4ng thay th\u1ebf c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c g\u00e1n cho m\u1ed9t h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"przerwa-miedzy-kolejnymi-okresami-ochrony\">Kho\u1ea3ng th\u1eddi gian gi\u1eefa c\u00e1c giai \u0111o\u1ea1n b\u1ea3o h\u1ed9 li\u00ean ti\u1ebfp<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi gia h\u1ea1n b\u1ea3o hi\u1ec3m, c\u1ea7n so s\u00e1nh c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u0169 v\u00e0 h\u1ee3p \u0111\u1ed3ng m\u1edbi. \u0110i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 ng\u00e0y mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi, m\u00e0 tr\u01b0\u1edbc h\u1ebft l\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc \u0111\u00f3 v\u00e0 ng\u00e0y b\u1eaft \u0111\u1ea7u th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ti\u1ebfp theo, nh\u01b0 \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong c\u00e1c t\u00e0i li\u1ec7u. <strong>C\u1ea7n so s\u00e1nh c\u00e1c ng\u00e0y tr\u1ef1c ti\u1ebfp v\u1edbi nhau<\/strong>, \u0111\u1ed3ng th\u1eddi c\u0169ng t\u00ednh \u0111\u1ebfn th\u1eddi gian, n\u1ebfu c\u00f3 \u0111\u01b0\u1ee3c cung c\u1ea5p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng r\u1eb1ng t\u00e0i li\u1ec7u \u0111\u1ea7u ti\u00ean ghi ng\u00e0y k\u1ebft th\u00fac l\u00e0 30 th\u00e1ng 4, c\u00f2n t\u00e0i li\u1ec7u th\u1ee9 hai ghi ng\u00e0y b\u1eaft \u0111\u1ea7u l\u00e0 2 th\u00e1ng 5. Gi\u1eefa hai ng\u00e0y n\u00e0y c\u00f3 m\u1ed9t kho\u1ea3ng tr\u1ed1ng m\u00e0 kh\u00f4ng thu\u1ed9c v\u1ec1 b\u1ea5t k\u1ef3 kho\u1ea3ng th\u1eddi gian n\u00e0o \u0111\u00e3 \u0111\u01b0\u1ee3c ghi trong c\u00e1c v\u0103n b\u1ea3n. \u0110i\u1ec1u n\u00e0y ch\u01b0a c\u00f3 ngh\u0129a l\u00e0 \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c tr\u00e1ch nhi\u1ec7m trong v\u1ee5 vi\u1ec7c c\u1ee5 th\u1ec3 n\u00e0y, nh\u01b0ng l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u r\u00f5 r\u00e0ng cho th\u1ea5y c\u1ea7n ph\u1ea3i l\u00e0m r\u00f5 h\u1eadu qu\u1ea3 c\u1ee7a c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong c\u1ea3 hai h\u1ee3p \u0111\u1ed3ng. <strong>Kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng ch\u1ebf \u0111\u1ed9 b\u1ea3o hi\u1ec3m h\u1ed3i t\u1ed1 cho kho\u1ea3ng th\u1eddi gian c\u00f2n thi\u1ebfu<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u01b0\u01a1ng t\u1ef1, vi\u1ec7c mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi tr\u01b0\u1edbc khi h\u1ee3p \u0111\u1ed3ng c\u0169 h\u1ebft h\u1ea1n c\u0169ng kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c t\u00ednh li\u00ean t\u1ee5c c\u1ee7a quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. H\u1ee3p \u0111\u1ed3ng m\u1edbi c\u00f3 th\u1ec3 quy \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m mu\u1ed9n h\u01a1n, v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng (OWU) c\u00f3 th\u1ec3 ch\u1ee9a c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch ri\u00eang bi\u1ec7t. Kh\u00f4ng n\u00ean t\u1ef1 \u0111\u1ed9ng gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng s\u1ef1 li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c duy tr\u00ec hay c\u00e1c s\u1ef1 ki\u1ec7n x\u1ea3y ra trong kho\u1ea3ng th\u1eddi gian gi\u00e1n \u0111o\u1ea1n gi\u1eefa c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u2013 c\u1ea7n ph\u1ea3i ki\u1ec3m tra c\u00e1c t\u00e0i li\u1ec7u trong t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 gi\u1ea3m thi\u1ec3u nguy c\u01a1 x\u1ea3y ra hi\u1ec3u l\u1ea7m:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li>x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac c\u1ee7a chu k\u1ef3 \u0111\u1ea7u ti\u00ean;<\/li>\n\n\n<li>x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u c\u1ee7a hi\u1ec7p hai;<\/li>\n\n\n<li>so s\u00e1nh ng\u00e0y v\u00e0 gi\u1edd;<\/li>\n\n\n<li>H\u00e3y ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m trong c\u1ea3 hai b\u1ed9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung;<\/li>\n\n\n<li>h\u00e3y gi\u1eef l\u1ea1i c\u1ea3 hai t\u00e0i li\u1ec7u c\u0169ng nh\u01b0 c\u00e1c gi\u1ea5y x\u00e1c nh\u1eadn li\u00ean quan \u0111\u1ebfn vi\u1ec7c k\u00fd k\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng;<\/li>\n\n\n<li>H\u00e3y l\u00e0m r\u00f5 m\u1ecdi s\u1ef1 kh\u00e1c bi\u1ec7t tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u k\u1ef3 m\u1edbi.<\/li>\n\n<\/ol>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Vi\u1ec7c kh\u00f4ng c\u00f3 kho\u1ea3ng tr\u1ed1ng trong c\u00e1c m\u1ed1c th\u1eddi gian kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 \u0111\u01b0\u1ee3c mi\u1ec5n ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u00f2n l\u1ea1i<\/strong>.<\/p>\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u1ea7n b\u1ed1i c\u1ea3nh t\u00e0i li\u1ec7u r\u1ed9ng h\u01a1n, h\u00e3y xem c\u00e1ch ch\u00fang t\u00f4i m\u00f4 t\u1ea3 <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<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-ochrona-zaczyna-sie-w-dniu-zakupu-polisy\">B\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 x\u00e1c nh\u1eadn \u0111i\u1ec1u n\u00e0y ch\u1ec9 d\u1ef1a tr\u00ean ng\u00e0y mua. C\u1ea7n ph\u1ea3i ki\u1ec3m tra ng\u00e0y b\u1eaft \u0111\u1ea7u hi\u1ec7u l\u1ef1c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung. <strong>Ng\u00e0y mua h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 b\u1eb1ng ch\u1ee9ng \u0111\u1ed9c l\u1eadp v\u1ec1 th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazda-polisa-dla-cudzoziemca-ma-karencje\">C\u00f3 ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec1u c\u00f3 th\u1eddi gian ch\u1edd kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean \u0111\u01b0a ra gi\u1ea3 \u0111\u1ecbnh nh\u01b0 v\u1eady. Th\u1eddi gian ch\u1edd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng ch\u1ec9 v\u00ec b\u1ea1n k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC. B\u1ea1n c\u1ea7n t\u00ecm quy \u0111\u1ecbnh v\u1ec1 th\u1eddi gian ch\u1edd trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"gdzie-najpierw-szukac-daty-rozpoczecia-ochrony\">N\u00ean t\u00ecm ng\u00e0y b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c b\u1ea3o h\u1ed9 \u1edf \u0111\u00e2u tr\u01b0\u1edbc ti\u00ean?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn, sau \u0111\u00f3 \u0111\u1ed1i chi\u1ebfu ng\u00e0y \u0111\u01b0\u1ee3c ghi tr\u00ean \u0111\u00f3 v\u1edbi ph\u1ea7n c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) li\u00ean quan \u0111\u1ebfn th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m. N\u1ebfu c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau ra, h\u00e3y ki\u1ec3m tra c\u1ea3 n\u1ed9i dung c\u1ee7a ch\u00fang.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-oplacenie-skladki-uruchamia-ochrone-tego-samego-dnia\">Vi\u1ec7c \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 gi\u00fap b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c ngay trong ng\u00e0y \u0111\u00f3 kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng m\u1ed9t quy t\u1eafc chung chung nh\u01b0 v\u1eady. <strong>Th\u1eddi h\u1ea1n v\u00e0 hi\u1ec7u l\u1ef1c c\u1ee7a kho\u1ea3n thanh to\u00e1n ph\u1ea3i \u0111\u01b0\u1ee3c tra c\u1ee9u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung<\/strong>. \u0110\u1eebng t\u1ef1 \u0111\u1ed9ng coi ng\u00e0y thanh to\u00e1n l\u00e0 ng\u00e0y b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wczesniejszy-zakup-kolejnej-polisy-zapewnia-ciaglosc\">Vi\u1ec7c mua s\u1edbm m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi c\u00f3 \u0111\u1ea3m b\u1ea3o t\u00ednh li\u00ean t\u1ee5c kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ph\u1ea3i t\u1ef1 nhi\u00ean \u0111\u00e2u. H\u00e3y so s\u00e1nh th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac c\u1ee7a giai \u0111o\u1ea1n hi\u1ec7n t\u1ea1i v\u1edbi th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u c\u1ee7a giai \u0111o\u1ea1n m\u1edbi v\u00e0 ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a c\u1ea3 hai h\u1ee3p \u0111\u1ed3ng. <strong>T\u00ednh li\u00ean t\u1ee5c \u0111\u00f2i h\u1ecfi s\u1ef1 nh\u1ea5t qu\u00e1n gi\u1eefa c\u00e1c t\u00e0i li\u1ec7u<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 vi\u1ec7c \u0111\u1eb7t h\u00e0ng tr\u01b0\u1edbc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-gdy-miedzy-polisami-widac-przerwe\">Ph\u1ea3i l\u00e0m g\u00ec khi c\u00f3 kho\u1ea3ng tr\u1ed1ng gi\u1eefa c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng cho r\u1eb1ng th\u00f4ng tin s\u1ebd \u0111\u01b0\u1ee3c \u0111i\u1ec1n t\u1ef1 \u0111\u1ed9ng ho\u1eb7c b\u1ed5 sung ng\u01b0\u1ee3c l\u1ea1i. H\u00e3y ghi l\u1ea1i ch\u00ednh x\u00e1c ng\u00e0y v\u00e0 gi\u1edd, ki\u1ec3m tra c\u1ea3 hai b\u1ed9 t\u00e0i li\u1ec7u v\u00e0 l\u00e0m r\u00f5 c\u00e1c h\u1eadu qu\u1ea3 tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u k\u1ef3 ti\u1ebfp theo.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-ustalic-wlasciwa-date-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ng\u00e0y ch\u00ednh x\u00e1c tr\u01b0\u1edbc khi mua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y x\u00e1c \u0111\u1ecbnh ng\u00e0y m\u00e0 b\u1ea1n th\u1ef1c s\u1ef1 c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 so s\u00e1nh v\u1edbi ng\u00e0y b\u1eaft \u0111\u1ea7u th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t trong m\u1eabu \u0111\u01a1n. Sau khi nh\u1eadn \u0111\u01b0\u1ee3c t\u00e0i li\u1ec7u, h\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ch\u1ee9a th\u00f4ng tin, g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n ch\u00ednh x\u00e1c hay kh\u00f4ng. Sau \u0111\u00f3, h\u00e3y \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) \u0111\u1ec3 n\u1eafm r\u00f5 th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m, c\u00e1c kho\u1ea3n thanh to\u00e1n c\u0169ng nh\u01b0 th\u1eddi gian ch\u1edd (n\u1ebfu c\u00f3). <strong>K\u1ebft lu\u1eadn cu\u1ed1i c\u00f9ng ph\u1ea3i d\u1ef1a tr\u00ean b\u1ed9 t\u00e0i li\u1ec7u \u0111\u1ea7y \u0111\u1ee7 v\u00e0 nh\u1ea5t qu\u00e1n<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n mua b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, h\u00e3y truy c\u1eadp v\u00e0o bi\u1ec3u m\u1eabu mua h\u00e0ng b\u00ean d\u01b0\u1edbi. Tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn th\u00f4ng tin, h\u00e3y ki\u1ec3m tra l\u1ea1i ng\u00e0y b\u1eaft \u0111\u1ea7u d\u1ef1 ki\u1ebfn c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c cung c\u1ea5p cho g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/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 TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y m\u1ed9t s\u1ed1 ng\u00e0y th\u00e1ng tr\u00f4ng gi\u1ed1ng nhau nh\u01b0ng l\u1ea1i tr\u1ea3 l\u1eddi cho nh\u1eefng c\u00e2u h\u1ecfi kh\u00e1c nhau. Ng\u00e0y mua b\u1ea3o hi\u1ec3m kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0\u2026<\/p>","protected":false},"author":1,"featured_media":3590,"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":[85,86,82,84,83],"class_list":["post-3591","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-koszty-leczenie-cudzoziemca","tag-ciaglosc-ochrony-obcokrajowca","tag-data-rozpoczecia-polisy-klc","tag-karencja-dla-cudzoziemca","tag-okres-oczekiwania-w-klc","tag-poczatek-ochrony-klc"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Karencja w polisie KLC: kiedy zaczyna si\u0119 ochrona?<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, jak odr\u00f3\u017cni\u0107 dat\u0119 zawarcia umowy od pocz\u0105tku ochrony w polisie KLC. 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