{"id":3594,"date":"2026-11-02T15:58:49","date_gmt":"2026-11-02T14:58:49","guid":{"rendered":"https:\/\/nazycie.pl\/?p=3594"},"modified":"2026-11-02T15:58:49","modified_gmt":"2026-11-02T14:58:49","slug":"bao-hiem-tai-nan-ca-nhan-lam-the-nao-de-so-sanh-pham-vi-bao-hiem-va-cac-quyen-loi","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/vi\/poradnik\/nnw-indywidualne\/indywidualne-nnw-jak-porownac-zakres-i-swiadczenia\/","title":{"rendered":"C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n t\u1ed1t nh\u1ea5t n\u0103m 2026 \u2013 b\u1ea3ng x\u1ebfp h\u1ea1ng c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Khi so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW), kh\u00f4ng n\u00ean d\u1ef1a v\u00e0o l\u1eddi h\u1ee9a v\u1ec1 \u201eg\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t\u201d, m\u00e0 c\u1ea7n xem x\u00e9t c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng. C\u00f9ng m\u1ed9t t\u1eeb vi\u1ebft t\u1eaft NNW c\u00f3 th\u1ec3 \u00e1m ch\u1ec9 c\u00e1c bi\u1ebfn th\u1ec3, kho\u1ea3ng th\u1eddi gian b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 c\u00e1ch th\u1ee9c x\u00e1c \u0111\u1ecbnh quy\u1ec1n l\u1ee3i kh\u00e1c nhau. Do \u0111\u00f3, b\u1ea3ng so s\u00e1nh d\u01b0\u1edbi \u0111\u00e2y kh\u00f4ng x\u1ebfp h\u1ea1ng c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m t\u1eeb th\u1ee9 nh\u1ea5t \u0111\u1ebfn th\u1ee9 cu\u1ed1i c\u00f9ng. B\u1ea3ng n\u00e0y ch\u1ec9 ra nh\u1eefng \u0111i\u1ec3m kh\u00e1c bi\u1ec7t \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh gi\u1eefa c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a Warta, PZU, TUZ Ubezpieczenia v\u00e0 Compensa, \u0111\u1ed3ng th\u1eddi g\u1ee3i \u00fd nh\u1eefng c\u00e2u h\u1ecfi c\u1ea7n \u0111\u1eb7t ra tr\u01b0\u1edbc khi mua. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c ch\u1ecdn c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ed9 tu\u1ed5i, m\u1ee9c \u0111\u1ed9 ho\u1ea1t \u0111\u1ed9ng v\u00e0 t\u00ecnh h\u00ecnh c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hay kh\u00f4ng. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m: b\u1ea1n c\u0169ng c\u1ea7n ki\u1ec3m tra ph\u1ea1m vi quy\u1ec1n l\u1ee3i, c\u00e1ch t\u00ednh to\u00e1n, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 c\u00e1c h\u1ea1n ch\u1ebf \u00e1p d\u1ee5ng cho t\u1eebng ph\u01b0\u01a1ng \u00e1n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#co-naprawde-mozna-porownac-w-indywidualnym-nnw\">Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o th\u1ef1c s\u1ef1 c\u00f3 th\u1ec3 so s\u00e1nh \u0111\u01b0\u1ee3c trong b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n?<\/a><\/li>\n\n\n\n<li><a href=\"#cztery-oferty-i-cztery-rozne-punkty-ciezkosci\">B\u1ed1n \u0111\u1ec1 xu\u1ea5t v\u00e0 b\u1ed1n tr\u1ecdng t\u00e2m kh\u00e1c nhau<\/a><\/li>\n\n\n\n<li><a href=\"#jak-dopasowac-nnw-do-wlasnej-sytuacji\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) cho ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a b\u1ea3n th\u00e2n<\/a><\/li>\n\n\n\n<li><a href=\"#co-przygotowac-po-wypadku\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec sau khi x\u1ea3y ra tai n\u1ea1n<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p: B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n trong th\u1ef1c t\u1ebf<\/a><\/li>\n\n\n\n<li><a href=\"#wnioski\">K\u1ebft lu\u1eadn<\/a><\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-naprawde-mozna-porownac-w-indywidualnym-nnw\">Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o th\u1ef1c s\u1ef1 c\u00f3 th\u1ec3 so s\u00e1nh \u0111\u01b0\u1ee3c trong b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t so s\u00e1nh kh\u00e1ch quan b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c x\u00e1c \u0111\u1ecbnh xem c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c so s\u00e1nh c\u00f3 m\u00f4 t\u1ea3 c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng t\u1ef1 nhau hay kh\u00f4ng. Trong m\u1ed9t \u0111\u1ec1 xu\u1ea5t, y\u1ebfu t\u1ed1 then ch\u1ed1t c\u00f3 th\u1ec3 l\u00e0 vi\u1ec7c l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m; trong \u0111\u1ec1 xu\u1ea5t kh\u00e1c, \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m; c\u00f2n trong \u0111\u1ec1 xu\u1ea5t kh\u00e1c n\u1eefa, \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 danh m\u1ee5c c\u00e1c quy\u1ec1n l\u1ee3i c\u01a1 b\u1ea3n. <strong>H\u00e3y so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong h\u1ee3p \u0111\u1ed3ng, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o logo c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 ch\u1ec9 ra m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m \u201et\u1ed1t nh\u1ea5t\u201d cho m\u1ecdi ng\u01b0\u1eddi ch\u1ec9 d\u1ef1a tr\u00ean c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU). Ngo\u00e0i ra, c\u0169ng thi\u1ebfu c\u00e1c t\u00ednh to\u00e1n gi\u00e1 c\u00f3 th\u1ec3 so s\u00e1nh \u0111\u01b0\u1ee3c cho c\u00f9ng m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng, c\u00f9ng kho\u1ea3ng th\u1eddi gian, c\u00f9ng m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00f9ng ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 c\u00f9ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng. N\u1ebfu b\u1ea1n quan t\u00e2m \u0111\u1ebfn chi ph\u00ed, h\u00e3y tham kh\u1ea3o b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/nnw-ca-nhan\/bao-hiem-tai-nan-ca-nhan-nam-2026-co-gia-bao-nhieu\/\">chi ph\u00ed b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n v\u00e0o n\u0103m 2026<\/a>. Gi\u00e1 ch\u1ec9 c\u00f3 \u00fd ngh\u0129a khi \u00e1p d\u1ee5ng cho c\u00f9ng m\u1ed9t h\u1ed3 s\u01a1 v\u00e0 ph\u1ea1m vi t\u01b0\u01a1ng t\u1ef1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi so s\u00e1nh c\u00e1c \u0111\u1ec1 xu\u1ea5t, h\u00e3y chu\u1ea9n b\u1ecb m\u1ed9t b\u1ea3n m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn v\u1ec1 nhu c\u1ea7u c\u1ee7a b\u1ea1n: b\u1ea1n mu\u1ed1n b\u1ea3o hi\u1ec3m cho ai, ng\u01b0\u1eddi \u0111\u00f3 \u0111ang \u1edf \u0111\u00e2u, th\u1eddi gian b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c l\u00e0 khi n\u00e0o v\u00e0 nh\u1eefng quy\u1ec1n l\u1ee3i n\u00e0o l\u00e0 quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111\u00f3. C\u00e1c \u0111i\u1ec1u ki\u1ec7n so s\u00e1nh ph\u1ea3i gi\u1ed1ng nhau. N\u1ebfu kh\u00f4ng, m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n c\u00f3 th\u1ec3 ch\u1ec9 \u00e1p d\u1ee5ng cho g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea1m vi h\u1eb9p h\u01a1n, c\u00f2n m\u1ee9c b\u1ed3i th\u01b0\u1eddng cao s\u1ebd kh\u00f4ng cho bi\u1ebft nh\u1eefng s\u1ef1 ki\u1ec7n n\u00e0o v\u00e0 theo nh\u1eefng quy \u0111\u1ecbnh n\u00e0o th\u00ec m\u1edbi \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cztery-oferty-i-cztery-rozne-punkty-ciezkosci\">B\u1ed1n \u0111\u1ec1 xu\u1ea5t v\u00e0 b\u1ed1n tr\u1ecdng t\u00e2m kh\u00e1c nhau<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c m\u00f4 t\u1ea3 d\u01b0\u1edbi \u0111\u00e2y kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp theo th\u1ee9 t\u1ef1 t\u1eeb \u01b0u \u0111\u00e3i t\u1ed1t nh\u1ea5t \u0111\u1ebfn k\u00e9m nh\u1ea5t. M\u1ed7i m\u00f4 t\u1ea3 \u0111\u1ec1u tr\u00ecnh b\u00e0y c\u00e1c th\u00f4ng s\u1ed1 \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng. Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, qu\u00fd kh\u00e1ch n\u00ean ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn \u01b0u \u0111\u00e3i c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"warta-warta-twoje-nnw\">Warta: WARTA \u2013 B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">WARTA TWOJE NNW l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n c\u00f3 ba lo\u1ea1i: d\u00e0nh cho B\u1ea1n, d\u00e0nh cho H\u1ecdc sinh v\u00e0 d\u00e0nh cho Kh\u00e1ch du l\u1ecbch (C\u1ed9ng h\u00f2a Ba Lan). \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung C7784 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 17 th\u00e1ng 5 n\u0103m 2026. <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra xem g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00f3i d\u00e0nh cho B\u1ea1n d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi d\u01b0\u1edbi 67 tu\u1ed5i. G\u00f3i d\u00e0nh cho H\u1ecdc sinh \u00e1p d\u1ee5ng cho nh\u1eefng ng\u01b0\u1eddi \u0111ang theo h\u1ecdc d\u01b0\u1edbi 26 tu\u1ed5i, kh\u00f4ng bao g\u1ed3m sinh vi\u00ean theo h\u1ecdc ch\u01b0\u01a1ng tr\u00ecnh t\u1eeb xa v\u00e0 bu\u1ed5i t\u1ed1i. G\u00f3i d\u00e0nh cho Kh\u00e1ch du l\u1ecbch (RP) kh\u00f4ng c\u00f3 gi\u1edbi h\u1ea1n \u0111\u1ed9 tu\u1ed5i v\u00e0 \u00e1p d\u1ee5ng cho c\u00e1c chuy\u1ebfn \u0111i trong l\u00e3nh th\u1ed5 Ba Lan. Do \u0111\u00f3, ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn; kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh c\u1ee7a m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m cho c\u00e1c g\u00f3i kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong ph\u1ea1m vi c\u01a1 b\u1ea3n c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho b\u1ea1n, m\u1ee9c t\u1ed5n th\u1ea5t v\u0129nh vi\u1ec5n \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m so v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m. S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng trong tr\u01b0\u1eddng h\u1ee3p t\u1eed vong b\u1eb1ng 100% c\u1ee7a s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00f3. <strong>100% t\u1ed5ng s\u1ed1 ti\u1ec1n \u00e1p d\u1ee5ng cho kho\u1ea3n tr\u1ee3 c\u1ea5p \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ecdi h\u1eadu qu\u1ea3 c\u1ee7a v\u1ee5 tai n\u1ea1n. N\u1ebfu kh\u00f4ng c\u00f3 m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 ch\u1ecdn, b\u1ea3ng t\u01b0\u01a1ng \u1ee9ng v\u00e0 c\u00e1c quy t\u1eafc \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a ph\u01b0\u01a1ng \u00e1n \u0111\u00f3, th\u00ec kh\u00f4ng th\u1ec3 t\u00ednh \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u1ee5 th\u1ec3.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"pzu-nnw-ogolne\">PZU: B\u1ea3o hi\u1ec3m tai n\u1ea1n chung<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n PZU (NNW), \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb quy\u1ebft UZ\/319\/2020 ng\u00e0y 9 th\u00e1ng 11 n\u0103m 2020, b\u1ea3o hi\u1ec3m tai n\u1ea1n t\u1ed5ng qu\u00e1t (NNW) cho ph\u00e9p l\u1ef1a ch\u1ecdn ph\u1ea1m vi c\u00e1c quy\u1ec1n l\u1ee3i c\u01a1 b\u1ea3n. M\u1ed9t trong c\u00e1c ph\u1ea1m vi \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 bao g\u1ed3m quy\u1ec1n l\u1ee3i trong tr\u01b0\u1eddng h\u1ee3p t\u1eed vong v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 sau tai n\u1ea1n tr\u00ean l\u00e3nh th\u1ed5 Ba Lan, trong khi ph\u1ea1m vi c\u00f2n l\u1ea1i bao g\u1ed3m quy\u1ec1n l\u1ee3i \u0111\u1ed1i v\u1edbi th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n v\u00e0 c\u00e1c kho\u1ea3n ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thi\u1ebft k\u1ebf n\u00e0y cho th\u1ea5y t\u1ea1i sao ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 so s\u00e1nh. <strong>Lo\u1ea1i h\u00ecnh quy\u1ec1n l\u1ee3i ph\u1ee5 thu\u1ed9c v\u00e0o ph\u1ea1m vi h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 ch\u1ecdn<\/strong>. T\u00e0i li\u1ec7u n\u00e0y \u0111\u01b0\u1ee3c ban h\u00e0nh v\u00e0o n\u0103m 2020, do \u0111\u00f3 tr\u01b0\u1edbc khi mua, qu\u00fd v\u1ecb c\u1ea7n x\u00e1c nh\u1eadn t\u00ednh c\u1eadp nh\u1eadt c\u1ee7a t\u00e0i li\u1ec7u v\u00e0 ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u ki\u1ec7n th\u1ef1c t\u1ebf \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"tuz-ubezpieczenia-nnw\">TUZ B\u1ea3o hi\u1ec3m: B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n chung v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u1ee7a TUZ Ubezpieczenia quy \u0111\u1ecbnh vi\u1ec7c b\u1ea3o hi\u1ec3m cho c\u00e1c s\u1ef1 c\u1ed1 thu\u1ed9c ph\u1ea1m vi h\u1ee3p \u0111\u1ed3ng t\u1ea1i Ba Lan v\u00e0 \u1edf n\u01b0\u1edbc ngo\u00e0i, v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n ngo\u1ea1i l\u1ec7 \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n chung v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. Ngo\u00e0i ra, c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y c\u00f2n cho ph\u00e9p kh\u00e1ch h\u00e0ng l\u1ef1a ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m to\u00e0n th\u1eddi gian (24 gi\u1edd m\u1ed7i ng\u00e0y) ho\u1eb7c gi\u1edbi h\u1ea1n trong th\u1eddi gian l\u00e0m vi\u1ec7c v\u00e0 tr\u00ean \u0111\u01b0\u1eddng \u0111i l\u00e0m v\u00e0 v\u1ec1 nh\u00e0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi mong mu\u1ed1n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1ea5t k\u1ec3 th\u1eddi \u0111i\u1ec3m trong ng\u00e0y, th\u00f4ng s\u1ed1 n\u00e0y c\u00f3 th\u1ec3 r\u1ea5t quan tr\u1ecdng. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00e1c, ph\u01b0\u01a1ng \u00e1n li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ngh\u1ec1 nghi\u1ec7p c\u00f3 th\u1ec3 l\u00e0 \u0111\u1ee7. <strong>Ph\u1ea1m vi 24 gi\u1edd v\u00e0 ph\u1ea1m vi gi\u1edbi h\u1ea1n kh\u00f4ng t\u01b0\u01a1ng \u0111\u01b0\u01a1ng nhau<\/strong>. Ngo\u00e0i ra, c\u1ea7n ph\u1ea3i x\u00e1c nh\u1eadn phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3 c\u0169ng nh\u01b0 t\u1ea5t c\u1ea3 c\u00e1c gi\u1edbi h\u1ea1n li\u00ean quan \u0111\u1ebfn l\u00e3nh th\u1ed5.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"compensa-ubezpieczenie-nastepstw-nieszczesliwych-wypadkow\">Compensa: B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong t\u00e0i li\u1ec7u c\u1ee7a Compensa, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 s\u1ef1 c\u1ed1, kho\u1ea3n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi 100% s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00f2n \u0111\u1ed1i v\u1edbi nh\u1eefng s\u1ef1 c\u1ed1 kh\u00e1c, kho\u1ea3n b\u1ed3i th\u01b0\u1eddng s\u1ebd t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee5 th\u1ec3 theo b\u1ea3ng quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU). <strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m x\u00e1c \u0111\u1ecbnh m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m<\/strong>, nh\u01b0ng kh\u00f4ng quy\u1ebft \u0111\u1ecbnh m\u1ee9c c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng kho\u1ea3n thanh to\u00e1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) n\u00eau tr\u00ean \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t theo Ngh\u1ecb quy\u1ebft s\u1ed1 20\/06\/2022 ng\u00e0y 30 th\u00e1ng 6 n\u0103m 2022 v\u00e0 \u00e1p d\u1ee5ng cho c\u00e1c h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft k\u1ec3 t\u1eeb ng\u00e0y 10 th\u00e1ng 7 n\u0103m 2022. Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng m\u1edbi, c\u1ea7n x\u00e1c nh\u1eadn xem li\u1ec7u t\u00e0i li\u1ec7u n\u00e0y c\u00f3 \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 hay kh\u00f4ng. T\u1eeb b\u1ea3n m\u00f4 t\u1ea3 n\u00e0y, kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m duy nh\u1ea5t, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m duy nh\u1ea5t hay v\u1ecb tr\u00ed trong b\u1ea3ng x\u1ebfp h\u1ea1ng.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dopasowac-nnw-do-wlasnej-sytuacji\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) cho ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a b\u1ea3n th\u00e2n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Thay v\u00ec t\u00ecm ki\u1ebfm m\u1ed9t gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p cho m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, h\u00e3y \u00e1p d\u1ee5ng c\u00f9ng m\u1ed9t lo\u1ea1t c\u00e2u h\u1ecfi cho t\u1eebng \u0111\u1ec1 xu\u1ea5t \u0111ang \u0111\u01b0\u1ee3c xem x\u00e9t. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd tr\u00e1nh \u0111\u01b0\u1ee3c vi\u1ec7c v\u00f4 t\u00ecnh so s\u00e1nh s\u1ea3n ph\u1ea9m d\u00e0nh cho h\u1ecdc sinh v\u1edbi s\u1ea3n ph\u1ea9m d\u00e0nh cho ng\u01b0\u1eddi l\u1edbn, ho\u1eb7c g\u00f3i b\u1ea3o hi\u1ec3m 24\/7 v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m ch\u1ec9 \u00e1p d\u1ee5ng trong gi\u1edd l\u00e0m vi\u1ec7c.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items2b1ecf93_checks:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2b1ecf93_checks 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-items2b1ecf93_checks ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2b1ecf93_checks .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2b1ecf93_checks ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items2b1ecf93_checks 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-items2b1ecf93_checks ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items2b1ecf93_checks .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items2b1ecf93_checks ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items2b1ecf93_checks .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items2b1ecf93_checks 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-2b1ecf93_checks_1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-2b1ecf93_checks_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-2b1ecf93_checks_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>C\u00f4ng ty b\u1ea3o hi\u1ec3m, s\u1ea3n ph\u1ea9m v\u00e0 ng\u00e0y l\u1eadp v\u0103n b\u1ea3n:<\/strong> H\u00e3y ghi l\u1ea1i t\u00ean \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a s\u1ea3n ph\u1ea9m v\u00e0 m\u00e3 s\u1ed1 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2b1ecf93_checks_2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-2b1ecf93_checks_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-2b1ecf93_checks_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>Kho\u1ea3ng th\u1eddi gian:<\/strong> H\u00e3y ki\u1ec3m tra xem h\u1ec7 th\u1ed1ng b\u1ea3o v\u1ec7 c\u00f3 c\u1ea7n ho\u1ea1t \u0111\u1ed9ng 24\/7 hay ch\u1ec9 trong nh\u1eefng t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2b1ecf93_checks_3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-2b1ecf93_checks_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-2b1ecf93_checks_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>Khu v\u1ef1c b\u1ea3o t\u1ed3n:<\/strong> H\u00e3y x\u00e1c \u0111\u1ecbnh xem ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c chuy\u1ebfn \u0111i d\u1ef1 ki\u1ebfn v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y hay kh\u00f4ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2b1ecf93_checks_4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-2b1ecf93_checks_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-2b1ecf93_checks_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>Danh m\u1ee5c c\u00e1c d\u1ecbch v\u1ee5:<\/strong> H\u00e3y so s\u00e1nh c\u00e1c quy\u1ec1n l\u1ee3i c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho g\u00f3i d\u1ecbch v\u1ee5 \u0111\u00e3 ch\u1ecdn, ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u1eefng kh\u1ea9u hi\u1ec7u qu\u1ea3ng c\u00e1o chung chung.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2b1ecf93_checks_5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-2b1ecf93_checks_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-2b1ecf93_checks_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\u00e1ch t\u00ednh ti\u1ec1n l\u01b0\u01a1ng:<\/strong> H\u00e3y ki\u1ec3m tra m\u1ed1i quan h\u1ec7 gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung v\u00e0 c\u00e1c quy \u0111\u1ecbnh c\u1ee7a ph\u01b0\u01a1ng \u00e1n t\u01b0\u01a1ng \u1ee9ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2b1ecf93_checks_6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-2b1ecf93_checks_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-2b1ecf93_checks_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\"><strong>C\u00e1c h\u1ea1n ch\u1ebf v\u00e0 \u0111i\u1ec1u kho\u1ea3n:<\/strong> H\u00e3y \u0111\u1ecdc c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ph\u1ea1m vi, l\u00e3nh th\u1ed5 v\u00e0 m\u1ed9t s\u1ed1 m\u1edf r\u1ed9ng \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-2b1ecf93_checks_7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-2b1ecf93_checks_7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-2b1ecf93_checks_7 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Th\u00f4ng tin c\u1eadp nh\u1eadt v\u1ec1 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung:<\/strong> H\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111\u00e3 xem x\u00e9t k\u1ef9 t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m trong h\u1ee3p \u0111\u1ed3ng s\u1eafp k\u00fd k\u1ebft.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ef1a ch\u1ecdn th\u1ef1c t\u1ebf kh\u00f4ng ph\u1ea3i l\u00e0 t\u00ecm con s\u1ed1 cao nh\u1ea5t \u1edf m\u1ed9t n\u01a1i duy nh\u1ea5t. M\u1ed9t ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 24\/7 tr\u01b0\u1edbc h\u1ebft n\u00ean ki\u1ec3m tra \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3 v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a n\u00f3. T\u1ea1i WARTA TWOJE NNW, g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho H\u1ecdc sinh kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ef1 \u0111\u1ed9ng cho m\u1ecdi tr\u1ebb em: g\u00f3i n\u00e0y \u00e1p d\u1ee5ng cho nh\u1eefng ng\u01b0\u1eddi \u0111ang theo h\u1ecdc d\u01b0\u1edbi 26 tu\u1ed5i, ngo\u1ea1i tr\u1eeb sinh vi\u00ean theo h\u1ecdc ch\u01b0\u01a1ng tr\u00ecnh b\u00e1n th\u1eddi gian v\u00e0 bu\u1ed5i t\u1ed1i. Nh\u1eefng ai th\u01b0\u1eddng xuy\u00ean \u0111i xa n\u00ean ki\u1ec3m tra ri\u00eang ph\u1ea1m vi b\u1ea3o hi\u1ec3m. <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ch\u1ecdn phi\u00ean b\u1ea3n ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng ng\u01b0\u1eddi<\/strong>, v\u00e0 ch\u1ec9 sau \u0111\u00f3 m\u1edbi so s\u00e1nh t\u1ed5ng s\u1ed1 ti\u1ec1n v\u00e0 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n ph\u00e2n bi\u1ec7t b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) v\u1edbi c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c. M\u1ed9t b\u1ea3ng so s\u00e1nh nh\u01b0 sau c\u00f3 th\u1ec3 h\u1eefu \u00edch: <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/so-sanh-va-xep-hang-cac-uu-dai\/so-sanh-bao-hiem-nhom-va-bao-hiem-ca-nhan\/\">S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m theo nh\u00f3m v\u00e0 b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n<\/a>. \u0110i\u1ec1u n\u00e0y gi\u00fap s\u1eafp x\u1ebfp c\u00e1c nhu c\u1ea7u tr\u01b0\u1edbc khi \u0111\u00e1nh gi\u00e1 ph\u1ea1m vi c\u1ee7a m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-przygotowac-po-wypadku\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec sau khi x\u1ea3y ra tai n\u1ea1n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quy tr\u00ecnh x\u1eed l\u00fd ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m v\u00e0 lo\u1ea1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng; do \u0111\u00f3, sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, qu\u00fd kh\u00e1ch c\u1ea7n th\u1ef1c hi\u1ec7n theo c\u00e1c t\u00e0i li\u1ec7u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh. \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a WARTA TWOJE NNW C7784 quy \u0111\u1ecbnh, trong s\u1ed1 nh\u1eefng \u0111i\u1ec1u kh\u00e1c, ngh\u0129a v\u1ee5 b\u1ea3o qu\u1ea3n c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn tai n\u1ea1n c\u0169ng nh\u01b0 ngh\u0129a v\u1ee5 cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 y t\u1ebf v\u1ec1 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb sau tai n\u1ea1n v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf tr\u01b0\u1edbc khi x\u1ea3y ra tai n\u1ea1n.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>B\u1ea3o qu\u1ea3n c\u00e1c ch\u1ee9ng c\u1ee9 li\u00ean quan \u0111\u1ebfn v\u1ee5 vi\u1ec7c<\/strong>, \u0111\u1ec3 c\u00f3 th\u1ec3 ch\u1ee9ng minh t\u00ednh h\u1ee3p l\u00fd c\u1ee7a vi\u1ec7c th\u00f4ng b\u00e1o. <strong>H\u00e3y l\u01b0u gi\u1eef \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 y t\u1ebf<\/strong> li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb sau tai n\u1ea1n. C\u00e1c y\u00eau c\u1ea7u c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 qu\u00e1 tr\u00ecnh x\u1eed l\u00fd y\u00eau c\u1ea7u \u0111\u00f3, do \u0111\u00f3 danh s\u00e1ch n\u00e0y kh\u00f4ng thay th\u1ebf cho h\u01b0\u1edbng d\u1eabn \u0111i k\u00e8m v\u1edbi h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ngay t\u1eeb khi l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ea1n n\u00ean \u0111\u1ecdc k\u1ef9 kh\u00f4ng ch\u1ec9 ph\u1ea7n m\u00f4 t\u1ea3 c\u00e1c quy\u1ec1n l\u1ee3i m\u00e0 c\u00f2n c\u1ea3 ph\u1ea7n h\u01b0\u1edbng d\u1eabn v\u1ec1 th\u1ee7 t\u1ee5c sau tai n\u1ea1n. N\u1ebfu b\u1ea1n kh\u00f4ng hi\u1ec3u r\u00f5 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o, b\u1ea1n c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n khi s\u1eed d\u1ee5ng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. <strong>Quy tr\u00ecnh \u0111\u0103ng k\u00fd l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t trong qu\u00e1 tr\u00ecnh \u0111\u00e1nh gi\u00e1 s\u1ea3n ph\u1ea9m<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ph\u1ea7n b\u1ed5 sung ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u1ecdc sau khi s\u1ef1 vi\u1ec7c \u0111\u00e3 x\u1ea3y ra.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p: B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n trong th\u1ef1c t\u1ebf<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"ktore-indywidualne-nnw-jest-najlepsze-w-2026-roku\">Lo\u1ea1i b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n n\u00e0o l\u00e0 t\u1ed1t nh\u1ea5t v\u00e0o n\u0103m 2026?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 ch\u1ec9 ra m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0o l\u00e0 t\u1ed1t nh\u1ea5t cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi d\u1ef1a tr\u00ean c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u00e3 \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3. C\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00e1c nhau v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i. L\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u c\u00e1 nh\u00e2n c\u1ee7a t\u1eebng ng\u01b0\u1eddi c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-najwyzsza-suma-ubezpieczenia-oznacza-najwyzsza-wyplate\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a c\u00f3 \u0111\u1ed3ng ngh\u0129a v\u1edbi kho\u1ea3n chi tr\u1ea3 cao nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 gi\u1ea3 \u0111\u1ecbnh nh\u01b0 v\u1eady. Trong c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, kho\u1ea3n tr\u1ee3 c\u1ea5p c\u00f3 th\u1ec3 chi\u1ebfm m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m nh\u1ea5t \u0111\u1ecbnh c\u1ee7a t\u1ed5ng s\u1ed1 ti\u1ec1n, v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 kho\u1ea3n tr\u1ee3 c\u1ea5p n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 ki\u1ec7n x\u1ea3y ra, b\u1ea3ng quy \u0111\u1ecbnh chung (OWU) v\u00e0 ph\u01b0\u01a1ng \u00e1n b\u1ea3o hi\u1ec3m. <strong>Ki\u1ec3m tra c\u01a1 ch\u1ebf t\u00ednh to\u00e1n m\u1ee9c tr\u1ee3 c\u1ea5p<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 ri\u00eang s\u1ed1 ti\u1ec1n \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazde-nnw-dziala-przez-cala-dobe\">C\u00f3 ph\u1ea3i m\u1ecdi d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tai n\u1ea1n \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng 24\/24 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a TUZ Ubezpieczenia quy \u0111\u1ecbnh vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n, t\u1ee9c l\u00e0 24 gi\u1edd m\u1ed7i ng\u00e0y, ho\u1eb7c ph\u1ea1m vi b\u1ea3o hi\u1ec3m gi\u1edbi h\u1ea1n trong th\u1eddi gian l\u00e0m vi\u1ec7c v\u00e0 qu\u00e3ng \u0111\u01b0\u1eddng \u0111i l\u00e0m v\u00e0 v\u1ec1 nh\u00e0. <strong>D\u1ecbch v\u1ee5 b\u1ea3o v\u1ec7 24\/7 ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-indywidualne-nnw-obejmuje-zdarzenia-za-granica\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n c\u00f3 bao g\u1ed3m c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra \u1edf n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean coi \u0111i\u1ec1u n\u00e0y l\u00e0 \u0111\u01b0\u01a1ng nhi\u00ean. T\u1ea1i TUZ Ubezpieczenia, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho c\u1ea3 Ba Lan v\u00e0 n\u01b0\u1edbc ngo\u00e0i, nh\u01b0ng ph\u1ea3i tu\u00e2n theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3. T\u1ea1i Warta, ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn. C\u1ea7n ph\u1ea3i ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 \u00e1p d\u1ee5ng cho t\u1eebng h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jak-porownywac-ceny-polis-nnw\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 so s\u00e1nh gi\u00e1 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y so s\u00e1nh c\u00e1c b\u00e1o gi\u00e1 \u0111\u01b0\u1ee3c l\u1eadp cho c\u00f9ng m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng, c\u00f9ng m\u1ed9t kho\u1ea3ng th\u1eddi gian, c\u00f9ng m\u1ed9t t\u1ed5ng gi\u00e1 tr\u1ecb, c\u00f9ng m\u1ed9t khu v\u1ef1c v\u00e0 c\u00f9ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng. N\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c th\u00f4ng s\u1ed1 chung, gi\u00e1 c\u1ea3 s\u1ebd kh\u00f4ng th\u1ec3 cho th\u1ea5y \u0111\u1ec1 xu\u1ea5t n\u00e0o ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi nhu c\u1ea7u.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-po-wypadku\">Nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o c\u00f3 th\u1ec3 c\u1ea7n thi\u1ebft sau khi x\u1ea3y ra tai n\u1ea1n?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m WARTA TWOJE NNW, c\u00e1c \u0111i\u1ec1u kho\u1ea3n quy \u0111\u1ecbnh r\u1eb1ng kh\u00e1ch h\u00e0ng ph\u1ea3i l\u01b0u gi\u1eef c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn v\u1ee5 tai n\u1ea1n c\u0169ng nh\u01b0 to\u00e0n b\u1ed9 h\u1ed3 s\u01a1 y t\u1ebf, bao g\u1ed3m c\u1ea3 h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb sau tai n\u1ea1n v\u00e0 tr\u01b0\u1edbc khi x\u1ea3y ra tai n\u1ea1n. <strong>Danh s\u00e1ch c\u1ee5 th\u1ec3 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 \u0111\u01b0\u1ee3c n\u1ed9p<\/strong>.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wnioski\">K\u1ebft lu\u1eadn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n t\u1ed1t kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi hay m\u1ed9t con s\u1ed1 n\u00e0o \u0111\u00f3. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 s\u1ef1 ph\u00f9 h\u1ee3p c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m v\u1edbi t\u1eebng c\u00e1 nh\u00e2n, th\u1eddi gian v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, danh m\u1ee5c quy\u1ec1n l\u1ee3i, ph\u01b0\u01a1ng th\u1ee9c t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u0169ng nh\u01b0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh. <strong>H\u00e3y so s\u00e1nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u1eefng l\u1eddi h\u1ee9a chung chung<\/strong>. Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y xem x\u00e9t t\u00e0i li\u1ec7u \u00e1p d\u1ee5ng cho ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn v\u00e0 so s\u00e1nh t\u1ea5t c\u1ea3 c\u00e1c \u0111\u1ec1 xu\u1ea5t d\u1ef1a tr\u00ean c\u00f9ng c\u00e1c ti\u00eau ch\u00ed.<\/p>","protected":false},"excerpt":{"rendered":"<p>Khi so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n, kh\u00f4ng n\u00ean d\u1ef1a v\u00e0o l\u1eddi h\u1ee9a v\u1ec1 \u201eg\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t\u201d, m\u00e0 n\u00ean d\u1ef1a v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng. C\u00f9ng m\u1ed9t t\u1eeb vi\u1ebft t\u1eaft NNW c\u00f3 th\u1ec3 c\u00f3 nhi\u1ec1u \u00fd ngh\u0129a kh\u00e1c nhau\u2026<\/p>","protected":false},"author":1,"featured_media":3593,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[27],"tags":[89,34,88,90,87],"class_list":["post-3594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nnw-indywidualne","tag-porownanie-ofert-nnw","tag-suma-ubezpieczenia-nnw","tag-swiadczenia-w-nnw","tag-wybor-polisy-nnw","tag-zakres-indywidualnego-nnw"],"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>Indywidualne NNW - jak por\u00f3wna\u0107 zakres i \u015bwiadczenia<\/title>\n<meta name=\"description\" content=\"Por\u00f3wnaj indywidualne NNW Warty, PZU, TUZ Ubezpieczenia i Compensy. 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