{"id":3603,"date":"2026-11-11T14:46:13","date_gmt":"2026-11-11T13:46:13","guid":{"rendered":"https:\/\/nazycie.pl\/?p=3603"},"modified":"2026-11-11T14:46:13","modified_gmt":"2026-11-11T13:46:13","slug":"nnw-cua-nguoi-lam-viec-tu-do-trong-khi-lam-viec-tai-noi-khach-hang","status":"publish","type":"post","link":"https:\/\/nazycie.pl\/vi\/poradnik\/ubezpieczenia-dla-firm\/nnw-samozatrudnionego-podczas-pracy-u-klienta\/","title":{"rendered":"Tai n\u1ea1n lao \u0111\u1ed9ng c\u1ee7a ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ef1 do khi l\u00e0m vi\u1ec7c t\u1ea1i n\u01a1i kh\u00e1ch h\u00e0ng"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ef1 do c\u00f3 th\u1ec3 l\u00e0m vi\u1ec7c t\u1ea1i v\u0103n ph\u00f2ng, x\u01b0\u1edfng, t\u1ea1i c\u01a1 s\u1edf c\u1ee7a \u0111\u1ed1i t\u00e1c ho\u1eb7c t\u1ea1i nhi\u1ec1u \u0111\u1ecba \u0111i\u1ec3m kh\u00e1c nhau trong c\u00f9ng m\u1ed9t ng\u00e0y. Tuy nhi\u00ean, vi\u1ec7c tai n\u1ea1n x\u1ea3y ra trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng quy\u1ebft \u0111\u1ecbnh vi\u1ec7c chi tr\u1ea3 b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng. N\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u00f3 \u00fd ngh\u0129a quy\u1ebft \u0111\u1ecbnh: th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi l\u00e3nh th\u1ed5, c\u00e1c \u0111\u1ecbnh ngh\u0129a \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung, t\u00ednh ch\u1ea5t c\u1ee7a c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u0169ng nh\u01b0 c\u00e1c h\u1ea1n ch\u1ebf ph\u00e1t sinh t\u1eeb c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n kh\u00e1c. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng t\u1ef1 \u0111\u1ed9ng c\u00f3 hi\u1ec7u l\u1ef1c trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1 trong qu\u00e1 tr\u00ecnh l\u00e0m vi\u1ec7c.<\/strong> Do \u0111\u00f3, tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, b\u1ea1n n\u00ean ph\u00e2n t\u00edch t\u00e0i li\u1ec7u theo m\u1ed9t tr\u00ecnh t\u1ef1 nh\u1ea5t \u0111\u1ecbnh, v\u00e0 sau khi x\u1ea3y ra tai n\u1ea1n, h\u00e3y l\u01b0u gi\u1eef c\u00e1c th\u00f4ng tin gi\u00fap t\u00e1i hi\u1ec7n di\u1ec5n bi\u1ebfn c\u1ee7a v\u1ee5 vi\u1ec7c. H\u01b0\u1edbng d\u1eabn d\u01b0\u1edbi \u0111\u00e2y s\u1ebd ch\u1ec9 ra c\u00e1ch th\u1ef1c hi\u1ec7n \u0111i\u1ec1u n\u00e0y m\u00e0 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi \u201cNNW\u201d hay m\u00f4 t\u1ea3 chung v\u1ec1 g\u00f3i d\u1ecbch v\u1ee5.<\/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=\"#od-jakich-dokumentow-zaczac\">N\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o<\/a><\/li>\n\n\n<li><a href=\"#jak-sprawdzic-czas-ochrony\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra th\u1eddi gian b\u1ea3o h\u00e0nh<\/a><\/li>\n\n\n<li><a href=\"#jak-czytac-zakres-terytorialny\">C\u00e1ch hi\u1ec3u ph\u1ea1m vi l\u00e3nh th\u1ed5<\/a><\/li>\n\n\n<li><a href=\"#dlaczego-charakter-pracy-i-definicje-sa-wazne\">T\u1ea1i sao b\u1ea3n ch\u1ea5t c\u00f4ng vi\u1ec7c v\u00e0 c\u00e1c \u0111\u1ecbnh ngh\u0129a l\u1ea1i quan tr\u1ecdng<\/a><\/li>\n\n\n<li><a href=\"#jak-przygotowac-sie-na-zgloszenie-wypadku\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb cho vi\u1ec7c khai b\u00e1o tai n\u1ea1n<\/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<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"od-jakich-dokumentow-zaczac\">N\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m kh\u00f4ng n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e2u h\u1ecfi: \u201eT\u00f4i c\u00f3 b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng kh\u00f4ng?\u201d, m\u00e0 c\u1ea7n x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft l\u00e0 g\u00ec. C\u1ea7n ph\u1ea3i c\u00f3 <strong>\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3<\/strong>, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n k\u00e8m theo. Lo\u1ea1i h\u00ecnh, th\u1eddi h\u1ea1n v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng c\u00f3 th\u1ec3 l\u00e0m thay \u0111\u1ed5i n\u1ed9i dung m\u00f4 t\u1ea3 chung v\u1ec1 s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ghi l\u1ea1i <strong>t\u00ean s\u1ea3n ph\u1ea9m, phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 phi\u00ean b\u1ea3n \u0111\u00e3 ch\u1ecdn<\/strong>. Ti\u1ebfp theo, h\u00e3y t\u00ecm c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m, th\u1eddi gian v\u00e0 \u0111\u1ecba \u0111i\u1ec3m \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00e1c \u0111\u1ecbnh ngh\u0129a, gi\u1edbi h\u1ea1n c\u0169ng nh\u01b0 quy tr\u00ecnh x\u1eed l\u00fd sau tai n\u1ea1n. \u0110\u1eebng cho r\u1eb1ng hai s\u1ea3n ph\u1ea9m c\u00f3 t\u00ean g\u1ecdi t\u01b0\u01a1ng t\u1ef1 s\u1ebd c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n gi\u1ed1ng h\u1ec7t nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ed3 s\u01a1 ho\u1ea1t \u0111\u1ed9ng c\u0169ng l\u00e0 m\u1ed9t \u0111i\u1ec3m tham chi\u1ebfu h\u1eefu \u00edch. H\u00e3y m\u00f4 t\u1ea3 n\u01a1i b\u1ea1n th\u01b0\u1eddng l\u00e0m vi\u1ec7c, nh\u1eefng c\u00f4ng vi\u1ec7c c\u1ee5 th\u1ec3 m\u00e0 b\u1ea1n tr\u1ef1c ti\u1ebfp th\u1ef1c hi\u1ec7n, v\u00e0 li\u1ec7u \u0111\u1ecba \u0111i\u1ec3m th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c c\u00f3 thay \u0111\u1ed5i hay kh\u00f4ng. M\u00f4 t\u1ea3 n\u00e0y gi\u00fap x\u00e1c \u0111\u1ecbnh xem ng\u00f4n ng\u1eef trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1ch th\u1ee9c th\u1ef1c t\u1ebf m\u00e0 b\u1ea1n th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c hay kh\u00f4ng. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y b\u1ed1i c\u1ea3nh r\u1ed9ng h\u01a1n v\u1ec1 vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong c\u1ea9m nang v\u1ec1 <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/bao-hiem-cho-doanh-nghiep\/nen-chon-loai-bao-hiem-nao-cho-doanh-nghiep-ca-nhan\/\">B\u1ea3o hi\u1ec3m cho ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u00e1 nh\u00e2n<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u01b0u \u00fd quan tr\u1ecdng: T\u00ean g\u1ecdi \u201eNNW\u201d ch\u1ec9 ra lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m, nh\u01b0ng ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh li\u1ec7u m\u1ed9t s\u1ef1 c\u1ed1 c\u1ee5 th\u1ec3 x\u1ea3y ra v\u1edbi kh\u00e1ch h\u00e0ng c\u00f3 thu\u1ed9c ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng. Quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng s\u1ebd \u0111\u01b0\u1ee3c \u0111\u01b0a ra d\u1ef1a tr\u00ean to\u00e0n b\u1ed9 n\u1ed9i dung c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan, ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ef1a tr\u00ean c\u00e1ch hi\u1ec3u th\u00f4ng th\u01b0\u1eddng v\u1ec1 t\u1eeb \u201ctai n\u1ea1n\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-sprawdzic-czas-ochrony\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra th\u1eddi gian b\u1ea3o h\u00e0nh<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u h\u1ecfi th\u1ef1c ti\u1ec5n \u0111\u1ea7u ti\u00ean l\u00e0: H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c khi n\u00e0o? C\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng v\u1edbi kho\u1ea3ng th\u1eddi gian \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong ng\u00e0y c\u0169ng nh\u01b0 li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u0111ang th\u1ef1c hi\u1ec7n. Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi gian \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 hai \u0111i\u1ec3m ki\u1ec3m tra ri\u00eang bi\u1ec7t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Tai n\u1ea1n C\u00e1 nh\u00e2n (NNW) c\u1ee7a TUZ Ubezpieczenia n\u0103m 2026 quy \u0111\u1ecbnh kh\u1ea3 n\u0103ng tham gia b\u1ea3o hi\u1ec3m v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7, t\u1ee9c l\u00e0 <strong>24 gi\u1edd m\u1ed7i ng\u00e0y<\/strong>, ho\u1eb7c c\u00f3 gi\u1edbi h\u1ea1n: trong gi\u1edd l\u00e0m vi\u1ec7c v\u00e0 tr\u00ean \u0111\u01b0\u1eddng \u0111i l\u00e0m t\u1eeb nh\u00e0 \u0111\u1ebfn n\u01a1i l\u00e0m vi\u1ec7c v\u00e0 t\u1eeb n\u01a1i l\u00e0m vi\u1ec7c v\u1ec1 nh\u00e0. \u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 c\u1ee5 th\u1ec3 cho th\u1ea5y t\u1ea1i sao vi\u1ec7c ch\u1ec9 ki\u1ec3m tra ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong ph\u1ea1m vi h\u1ea1n ch\u1ebf, kh\u00e1i ni\u1ec7m n\u00e0y tr\u1edf n\u00ean \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng <strong>\u201etrong gi\u1edd l\u00e0m vi\u1ec7c\u201d<\/strong>. Ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ef1 do kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 gi\u1edd l\u00e0m vi\u1ec7c c\u1ed1 \u0111\u1ecbnh, m\u1ed9t v\u0103n ph\u00f2ng duy nh\u1ea5t hay l\u1ed9 tr\u00ecnh \u0111i l\u00e0m th\u00f4ng th\u01b0\u1eddng. Kh\u00f4ng n\u00ean t\u1ef1 \u00fd m\u1edf r\u1ed9ng c\u00e1ch di\u1ec5n \u0111\u1ea1t n\u00e0y \u0111\u1ec3 \u00e1p d\u1ee5ng cho m\u1ecdi ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn c\u00f4ng vi\u1ec7c. C\u1ea7n \u0111\u1ed1i chi\u1ebfu quy \u0111\u1ecbnh v\u1ec1 th\u1eddi gian b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c \u0111\u1ecbnh ngh\u0129a, v\u0103n b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n li\u00ean quan (n\u1ebfu c\u00f3).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c ki\u1ec3m tra th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh nh\u01b0 sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-time-list:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-time-list 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-itemsnnw-time-list ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-time-list .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-time-list ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsnnw-time-list 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-itemsnnw-time-list ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-time-list .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-time-list ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-time-list .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items-nnw-time-list 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-nnw-time-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-time-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-nnw-time-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\">ki\u1ec3m tra ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-time-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-time-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-nnw-time-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\">x\u00e1c \u0111\u1ecbnh xem ph\u1ea1m vi \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ecdn l\u00e0 to\u00e0n b\u1ed9 hay gi\u1edbi h\u1ea1n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-time-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-time-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-nnw-time-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\u00ecm \u0111\u1ecbnh ngh\u0129a v\u1ec1 \u201cc\u00f4ng vi\u1ec7c\u201d n\u1ebfu thu\u1eadt ng\u1eef n\u00e0y xu\u1ea5t hi\u1ec7n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU);<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-time-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-time-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-nnw-time-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\">h\u00e3y \u0111\u1ecdc c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u00f3 th\u1ec3 l\u00e0m r\u00f5 ph\u1ea1m vi;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-time-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-time-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-nnw-time-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\">H\u00e3y so s\u00e1nh c\u00e1c th\u00f4ng tin n\u00e0y v\u1edbi th\u1eddi gian v\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn th\u0103m kh\u00e1ch h\u00e0ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n, c\u1ea7n ghi l\u1ea1i ng\u00e0y, gi\u1edd v\u00e0 giai \u0111o\u1ea1n th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c. M\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c s\u1ebd kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o vi\u1ec7c s\u1ef1 vi\u1ec7c \u0111\u00f3 x\u1ea3y ra trong qu\u00e1 tr\u00ecnh l\u00e0m vi\u1ec7c ch\u00ednh th\u1ee9c, trong l\u00fac di chuy\u1ec3n hay sau khi \u0111\u00e3 ho\u00e0n th\u00e0nh c\u00f4ng vi\u1ec7c. \u0110i\u1ec1u n\u00e0y kh\u00f4ng t\u1ef1 \u0111\u1ed9ng quy\u1ebft \u0111\u1ecbnh vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hay kh\u00f4ng \u2013 m\u00e0 ch\u1ec9 cho ph\u00e9p \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n ph\u00f9 h\u1ee3p c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0o di\u1ec5n bi\u1ebfn th\u1ef1c t\u1ebf c\u1ee7a s\u1ef1 vi\u1ec7c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-czytac-zakres-terytorialny\">C\u00e1ch hi\u1ec3u ph\u1ea1m vi l\u00e3nh th\u1ed5<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u h\u1ecfi th\u1ee9 hai li\u00ean quan \u0111\u1ebfn \u0111\u1ecba \u0111i\u1ec3m. Vi\u1ec7c l\u00e0m vi\u1ec7c ngo\u00e0i tr\u1ee5 s\u1edf ch\u00ednh c\u00f3 th\u1ec3 di\u1ec5n ra t\u1ea1i c\u00f9ng m\u1ed9t \u0111\u1ecba ph\u01b0\u01a1ng, \u1edf m\u1ed9t khu v\u1ef1c kh\u00e1c ho\u1eb7c \u1edf n\u01b0\u1edbc ngo\u00e0i. C\u1ea7n so s\u00e1nh \u0111\u1ecba \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 vi\u1ec7c v\u1edbi ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, sau \u0111\u00f3 ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 li\u00ean quan \u0111\u1ebfn t\u1eebng kho\u1ea3n b\u1ed3i th\u01b0\u1eddng ho\u1eb7c chi ph\u00ed c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u1ec1 B\u1ea3o hi\u1ec3m Tai n\u1ea1n C\u00e1 nh\u00e2n (NNW) c\u1ee7a TUZ Ubezpieczenia n\u0103m 2026, c\u00e1c s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m x\u1ea3y ra t\u1ea1i Ba Lan v\u00e0 \u1edf n\u01b0\u1edbc ngo\u00e0i \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00eau r\u00f5, v\u1edbi \u0111i\u1ec1u ki\u1ec7n tu\u00e2n th\u1ee7 c\u00e1c gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung ho\u1eb7c c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. C\u00e1ch di\u1ec5n \u0111\u1ea1t <strong>\u201eBa Lan v\u00e0 \u1edf n\u01b0\u1edbc ngo\u00e0i\u201d kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng lo ng\u1ea1i c\u00f2n l\u1ea1i<\/strong>. Ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ea7n \u0111\u01b0\u1ee3c hi\u1ec3u c\u00f9ng v\u1edbi ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a v\u0103n b\u1ea3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 kh\u00e1c l\u00e0 s\u1ea3n ph\u1ea9m \u201eNa wszelki wypadek\u201d c\u1ee7a Wiener theo phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) n\u0103m 2022. T\u00e0i li\u1ec7u n\u00e0y quy \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra trong th\u1eddi gian b\u1ea3o hi\u1ec3m tr\u00ean to\u00e0n th\u1ebf gi\u1edbi, bao g\u1ed3m c\u1ea3 trong khi l\u00e0m vi\u1ec7c v\u00e0 tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u1ec3 ch\u1ea5t thu\u1ed9c nh\u00f3m I. \u0110\u1ed3ng th\u1eddi, \u0111\u1ed1i v\u1edbi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng do tai n\u1ea1n, t\u00e0i li\u1ec7u n\u00e0y quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n chi ph\u00ed ch\u1ec9 \u00e1p d\u1ee5ng cho c\u00e1c chi ph\u00ed ph\u00e1t sinh t\u1ea1i Ba Lan. Ph\u1ea1m vi s\u1ef1 c\u1ed1 v\u00e0 \u0111\u1ecba \u0111i\u1ec3m ph\u00e1t sinh chi ph\u00ed c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 ri\u00eang bi\u1ec7t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady, tr\u01b0\u1edbc khi \u0111i g\u1eb7p kh\u00e1ch h\u00e0ng n\u01b0\u1edbc ngo\u00e0i, \u0111\u1eebng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf kh\u00e1i ni\u1ec7m chung chung l\u00e0 \u201eto\u00e0n c\u1ea7u\u201d. H\u00e3y ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng n\u1ed9i dung c\u1ee5 th\u1ec3 c\u1ee7a \u0111i\u1ec1u kho\u1ea3n n\u00e0y v\u00e0 xem li\u1ec7u ph\u1ea7n b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3 c\u00f3 nh\u1eefng gi\u1edbi h\u1ea1n ri\u00eang hay kh\u00f4ng. \u0110\u1eebng \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m (v\u00ed d\u1ee5: b\u1ea3o hi\u1ec3m tai n\u1ea1n) sang s\u1ea3n ph\u1ea9m kh\u00e1c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dlaczego-charakter-pracy-i-definicje-sa-wazne\">T\u1ea1i sao b\u1ea3n ch\u1ea5t c\u00f4ng vi\u1ec7c v\u00e0 c\u00e1c \u0111\u1ecbnh ngh\u0129a l\u1ea1i quan tr\u1ecdng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u00f3 th\u1ec3 g\u00e1n cho c\u00e1c t\u1eeb th\u00f4ng d\u1ee5ng m\u1ed9t \u00fd ngh\u0129a kh\u00e1c v\u1edbi \u00fd ngh\u0129a th\u00f4ng th\u01b0\u1eddng. Trong b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung \u201eNa wszelki wypadek\u201d c\u1ee7a Wiener n\u0103m 2022, c\u00e1c thu\u1eadt ng\u1eef c\u00f3 \u00fd ngh\u0129a \u0111\u1eb7c bi\u1ec7t \u0111\u01b0\u1ee3c l\u00e0m n\u1ed5i b\u1eadt v\u00e0 gi\u1ea3i th\u00edch trong ph\u1ea7n t\u1eeb \u0111i\u1ec3n.<\/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\"><strong>B\u1ea3ng thu\u1eadt ng\u1eef c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) l\u00e0 m\u1ed9t ph\u1ea7n kh\u00f4ng th\u1ec3 t\u00e1ch r\u1eddi c\u1ee7a c\u00e1c quy t\u1eafc \u0111\u00e1nh gi\u00e1 s\u1ef1 c\u1ed1<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t ph\u1ea7n ph\u1ee5 c\u00f3 th\u1ec3 b\u1ecf qua.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ef1 do, kh\u00f4ng ch\u1ec9 \u0111\u1ecba ch\u1ec9 c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 quan tr\u1ecdng, m\u00e0 c\u00f2n c\u1ea3 <strong>m\u00f4 t\u1ea3 th\u1ef1c t\u1ebf v\u1ec1 c\u00e1c c\u00f4ng vi\u1ec7c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n<\/strong>. Ch\u1ec9 ri\u00eang c\u00e2u n\u00f3i \u201et\u00f4i \u0111ang l\u00e0m vi\u1ec7c\u201d l\u00e0 qu\u00e1 chung chung \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ed1i li\u00ean h\u1ec7 gi\u1eefa s\u1ef1 vi\u1ec7c \u0111\u00f3 v\u1edbi ph\u1ea1m vi h\u1ee3p \u0111\u1ed3ng. C\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng c\u00f4ng vi\u1ec7c c\u1ee5 th\u1ec3 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n l\u00e0 g\u00ec, v\u1edbi m\u1ee5c \u0111\u00edch g\u00ec, t\u1ea1i \u0111\u1ecba \u0111i\u1ec3m n\u00e0o v\u00e0 \u1edf giai \u0111o\u1ea1n n\u00e0o c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tuy nhi\u00ean, kh\u00f4ng n\u00ean t\u1ef1 l\u1eadp danh s\u00e1ch c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u00f3 r\u1ee7i ro cao, c\u0169ng nh\u01b0 kh\u00f4ng n\u00ean cho r\u1eb1ng m\u1ed9t c\u00f4ng vi\u1ec7c c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3 lu\u00f4n thu\u1ed9c di\u1ec7n \u00e1p d\u1ee5ng ho\u1eb7c lu\u00f4n n\u1eb1m ngo\u00e0i ph\u1ea1m vi \u00e1p d\u1ee5ng. <strong>\u0110\u1eebng t\u1ef1 \u00fd b\u1ed5 sung c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 kh\u00f4ng c\u00f3 trong t\u00e0i li\u1ec7u \u0111ang \u0111\u01b0\u1ee3c ki\u1ec3m tra.<\/strong> H\u00e3y t\u00ecm \u0111i\u1ec1u kho\u1ea3n ph\u00f9 h\u1ee3p trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) hi\u1ec7n h\u00e0nh v\u00e0 ki\u1ec3m tra n\u1ed9i dung c\u1ee7a \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 c\u00f9ng v\u1edbi c\u00e1c \u0111\u1ecbnh ngh\u0129a v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u00e1p d\u1ee5ng trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t danh s\u00e1ch ki\u1ec3m tra ng\u1eafn tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd r\u1ea5t h\u1eefu \u00edch:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-work-list:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-work-list 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-itemsnnw-work-list ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-work-list .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-work-list ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsnnw-work-list 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-itemsnnw-work-list ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-work-list .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-work-list ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-work-list .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items-nnw-work-list 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-nnw-work-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-work-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-nnw-work-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>M\u00f4 t\u1ea3 c\u00f4ng vi\u1ec7c:<\/strong> H\u00e3y m\u00f4 t\u1ea3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u01b0\u1eddng xuy\u00ean v\u00e0 kh\u00f4ng th\u01b0\u1eddng xuy\u00ean \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1ea1i n\u01a1i kh\u00e1ch h\u00e0ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-work-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-work-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-nnw-work-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>N\u01a1i l\u00e0m vi\u1ec7c:<\/strong> H\u00e3y cho bi\u1ebft c\u00e1c \u0111\u01a1n \u0111\u1eb7t h\u00e0ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n t\u1ea1i Ba Lan, \u1edf n\u01b0\u1edbc ngo\u00e0i hay \u1edf c\u1ea3 hai khu v\u1ef1c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-work-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-work-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-nnw-work-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>Th\u1eddi gian l\u00e0m vi\u1ec7c:<\/strong> h\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 gi\u1edd l\u00e0m vi\u1ec7c v\u00e0 c\u00e1c chuy\u1ebfn \u0111i kh\u00f4ng theo l\u1ecbch tr\u00ecnh;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-work-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-work-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-nnw-work-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>H\u1ea1n ch\u1ebf:<\/strong> h\u00e3y \u0111\u1ecdc to\u00e0n v\u0103n c\u00e1c quy \u0111\u1ecbnh v\u00e0 c\u00e1c \u0111\u1ecbnh ngh\u0129a li\u00ean quan;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-work-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-work-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-nnw-work-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:<\/strong> H\u00e3y ki\u1ec3m tra xem nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0o th\u1ef1c s\u1ef1 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) \u00e1p d\u1ee5ng cho c\u00e1c h\u1eadu qu\u1ea3 ph\u00e1t sinh t\u1eeb c\u00e1c s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. <strong>B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) kh\u00f4ng thay th\u1ebf cho b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u0169ng nh\u01b0 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c c\u1ee7a c\u00f4ng ty.<\/strong> N\u1ebfu b\u1ea1n mu\u1ed1n t\u00e1ch bi\u1ec7t vi\u1ec7c b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea3n th\u00e2n kh\u1ecfi tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i g\u00e2y ra cho ng\u01b0\u1eddi kh\u00e1c, h\u00e3y \u0111\u1ecdc th\u00eam v\u1ec1 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ec3 x\u1ea3y ra <a href=\"https:\/\/nazycie.pl\/vi\/cam-nang\/bao-hiem-cho-doanh-nghiep-va-chu-doanh-nghiep\/gioi-thieu-ve-bao-hiem-doanh-nghiep-pham-vi-bao-hiem-va-khi-nao-nen-mua\/\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a c\u00f4ng ty<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przygotowac-sie-na-zgloszenie-wypadku\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb cho vi\u1ec7c khai b\u00e1o tai n\u1ea1n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i c\u00f3 th\u1ec3 t\u00e1i hi\u1ec7n l\u1ea1i di\u1ec5n bi\u1ebfn c\u1ee7a s\u1ef1 c\u1ed1. Theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a PZU NNW n\u0103m 2020, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 ngh\u0129a v\u1ee5 cung c\u1ea5p b\u1ea3n m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 nguy\u00ean nh\u00e2n v\u00e0 tr\u00ecnh t\u1ef1 di\u1ec5n bi\u1ebfn c\u1ee7a v\u1ee5 tai n\u1ea1n, c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u y t\u1ebf x\u00e1c nh\u1eadn ch\u1ea5n th\u01b0\u01a1ng, t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe b\u1ecb \u1ea3nh h\u01b0\u1edfng ho\u1eb7c ch\u00ednh s\u1ef1 ki\u1ec7n tai n\u1ea1n \u0111\u00e3 x\u1ea3y ra trong th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. <strong>M\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c c\u1ea7n ph\u1ea3i ch\u00ednh x\u00e1c v\u00e0 \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y theo tr\u00ecnh t\u1ef1 th\u1eddi gian.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady, h\u00e3y ghi l\u1ea1i \u0111\u1ecba \u0111i\u1ec3m, th\u1eddi gian, h\u00e0nh \u0111\u1ed9ng \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u0169ng nh\u01b0 di\u1ec5n bi\u1ebfn tr\u1ef1c ti\u1ebfp c\u1ee7a s\u1ef1 vi\u1ec7c. H\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c l\u1eadp sau khi \u0111\u00e3 cung c\u1ea5p s\u1ef1 tr\u1ee3 gi\u00fap. H\u1ed3 s\u01a1 y t\u1ebf c\u1ea7n ph\u1ea3i x\u00e1c nh\u1eadn c\u00e1c t\u00ecnh ti\u1ebft theo y\u00eau c\u1ea7u c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u00f3 li\u00ean quan, do \u0111\u00f3 \u0111\u1eebng tr\u00ec ho\u00e3n vi\u1ec7c thu th\u1eadp h\u1ed3 s\u01a1 n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ea7n thi\u1ebft t\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m v\u00e0 ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) \u201e\u0110\u1ec3 \u0111\u1ec1 ph\u00f2ng m\u1ecdi tr\u01b0\u1eddng h\u1ee3p\u201d n\u0103m 2022, Wiener quy \u0111\u1ecbnh c\u00f3 th\u1ec3 y\u00eau c\u1ea7u, trong s\u1ed1 nh\u1eefng t\u00e0i li\u1ec7u kh\u00e1c, h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, x\u00e1c nh\u1eadn \u0111\u00e3 tr\u00ecnh b\u00e1o c\u1ea3nh s\u00e1t, l\u1eddi khai c\u1ee7a ng\u01b0\u1eddi g\u00e2y ra s\u1ef1 vi\u1ec7c, bi\u00ean b\u1ea3n hi\u1ec7n tr\u01b0\u1eddng ho\u1eb7c l\u1eddi khai b\u1eb1ng v\u0103n b\u1ea3n c\u1ee7a c\u00e1c nh\u00e2n ch\u1ee9ng. Kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i li\u1ec7u n\u00e0y \u0111\u1ec1u xu\u1ea5t hi\u1ec7n trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, nh\u01b0ng <strong>n\u00ean thu th\u1eadp ngay c\u00e1c ch\u1ee9ng c\u1ee9 c\u00f3 s\u1eb5n<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n ki\u1ec3m tra th\u1eddi h\u1ea1n th\u00f4ng b\u00e1o. \u0110i\u1ec1u kho\u1ea3n chung c\u1ee7a B\u1ea3o hi\u1ec3m Tai n\u1ea1n (NNW) v\u00e0 B\u1ea3o hi\u1ec3m Tr\u00e1ch nhi\u1ec7m D\u00e2n s\u1ef1 (TUZ) n\u0103m 2026 quy \u0111\u1ecbnh ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c, ch\u1eadm nh\u1ea5t l\u00e0 trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb khi x\u1ea3y ra tai n\u1ea1n ho\u1eb7c khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 thi\u1ec7t h\u1ea1i, tr\u1eeb khi c\u00f3 quy \u0111\u1ecbnh kh\u00e1c trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. <strong>H\u00e3y xem th\u1eddi h\u1ea1n \u0111\u0103ng k\u00fd trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n<\/strong>, b\u1edfi v\u00ec c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u1ee7a s\u1ea3n ph\u1ea9m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c chuy\u1ec3n sang h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ee9 t\u1ef1 c\u00e1c b\u01b0\u1edbc an to\u00e0n nh\u1ea5t c\u1ea7n th\u1ef1c hi\u1ec7n sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 l\u00e0: \u0111\u1ea3m b\u1ea3o s\u1ee9c kh\u1ecfe, ghi ch\u00e9p di\u1ec5n bi\u1ebfn s\u1ef1 c\u1ed1, thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u c\u00f3 s\u1eb5n, ki\u1ec3m tra quy tr\u00ecnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) t\u01b0\u01a1ng \u1ee9ng v\u00e0 n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng theo c\u00e1c y\u00eau c\u1ea7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Vi\u1ec7c th\u1ef1c hi\u1ec7n theo tr\u00ecnh t\u1ef1 n\u00e0y kh\u00f4ng \u0111\u1ea3m b\u1ea3o vi\u1ec7c \u0111\u01b0\u1ee3c chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng, nh\u01b0ng s\u1ebd gi\u1ea3m thi\u1ec3u \u0111\u00e1ng k\u1ec3 r\u1ee7i ro khi\u1ebfn vi\u1ec7c \u0111\u00e1nh gi\u00e1 s\u1ef1 c\u1ed1 tr\u1edf n\u00ean kh\u00f3 kh\u0103n do thi\u1ebfu th\u00f4ng tin c\u01a1 b\u1ea3n.<\/p>\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\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\">B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) c\u00f3 lu\u00f4n bao g\u1ed3m c\u00e1c h\u1eadu qu\u1ea3 do tai n\u1ea1n x\u1ea3y ra v\u1edbi kh\u00e1ch h\u00e0ng kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. B\u1ea3n th\u00e2n \u0111\u1ecba \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 c\u1ed1 t\u1ea1i n\u01a1i kh\u00e1ch h\u00e0ng kh\u00f4ng t\u1ef1 n\u00f3 quy\u1ebft \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i x\u00e1c minh xem s\u1ef1 c\u1ed1 c\u00f3 x\u1ea3y ra trong th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng, c\u00e1c kh\u00e1i ni\u1ec7m quan tr\u1ecdng \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o, c\u0169ng nh\u01b0 nh\u1eefng gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n n\u00e0o \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng. <strong>M\u1ed7i tr\u01b0\u1eddng h\u1ee3p s\u1ebd \u0111\u01b0\u1ee3c xem x\u00e9t ri\u00eang bi\u1ec7t, theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ph\u1ea1m vi th\u1eddi gian \u0111\u1ea7y \u0111\u1ee7 c\u00f3 ngh\u0129a l\u00e0 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi gian b\u1ea3o hi\u1ec3m to\u00e0n ph\u1ea7n c\u00f3 th\u1ec3 c\u00f3 ngh\u0129a l\u00e0 b\u1ea3o hi\u1ec3m 24 gi\u1edd m\u1ed7i ng\u00e0y, nh\u01b0 \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ Ubezpieczenia. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng lo\u1ea1i tr\u1eeb c\u00e1c \u0111i\u1ec1u ki\u1ec7n, \u0111\u1ecbnh ngh\u0129a v\u00e0 gi\u1edbi h\u1ea1n kh\u00e1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Th\u1eddi gian b\u1ea3o hi\u1ec3m 24 gi\u1edd m\u1ed7i ng\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 cam k\u1ebft chi tr\u1ea3 cho m\u1ecdi s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n x\u1ea3y ra trong khi l\u00e0m vi\u1ec7c \u1edf n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">C\u00f3 th\u1ec3, n\u1ebfu \u0111i\u1ec1u n\u00e0y n\u1eb1m trong ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng. C\u1ea7n ki\u1ec3m tra th\u00eam c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb li\u00ean quan \u0111\u1ebfn c\u00e1c quy\u1ec1n l\u1ee3i v\u00e0 chi ph\u00ed c\u1ee5 th\u1ec3. V\u00ed d\u1ee5 v\u1ec1 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a Wiener cho th\u1ea5y ph\u1ea1m vi s\u1ef1 ki\u1ec7n tr\u00ean to\u00e0n c\u1ea7u c\u00f3 th\u1ec3 song h\u00e0nh v\u1edbi gi\u1edbi h\u1ea1n v\u1ec1 \u0111\u1ecba \u0111i\u1ec3m ph\u00e1t sinh chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 m\u00f4 t\u1ea3 b\u1ea3n ch\u1ea5t c\u00f4ng vi\u1ec7c t\u1ea1i n\u01a1i kh\u00e1ch h\u00e0ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y n\u00eau r\u00f5 ho\u1ea1t \u0111\u1ed9ng th\u1ef1c t\u1ebf \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n, m\u1ee5c \u0111\u00edch, \u0111\u1ecba \u0111i\u1ec3m v\u00e0 th\u1eddi \u0111i\u1ec3m th\u1ef1c hi\u1ec7n \u0111\u01a1n h\u00e0ng. Tr\u00e1nh ch\u1ec9 s\u1eed d\u1ee5ng thu\u1eadt ng\u1eef \u201ec\u00f4ng vi\u1ec7c\u201d. Sau \u0111\u00f3, h\u00e3y so s\u00e1nh m\u00f4 t\u1ea3 n\u00e0y v\u1edbi c\u00e1c \u0111\u1ecbnh ngh\u0129a v\u00e0 quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) hi\u1ec7n h\u00e0nh, \u0111\u1ed3ng th\u1eddi kh\u00f4ng \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng \u00fd ngh\u0129a c\u1ee7a ch\u00fang.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u1ea7n gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o sau khi x\u1ea3y ra tai n\u1ea1n?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y l\u01b0u gi\u1eef b\u1ea3n t\u01b0\u1eddng tr\u00ecnh v\u1ec1 nguy\u00ean nh\u00e2n v\u00e0 di\u1ec5n bi\u1ebfn c\u1ee7a s\u1ef1 vi\u1ec7c c\u0169ng nh\u01b0 h\u1ed3 s\u01a1 y t\u1ebf. N\u1ebfu c\u00f3 c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c li\u00ean quan \u0111\u1ebfn c\u00e1c t\u00ecnh ti\u1ebft c\u1ee7a v\u1ee5 vi\u1ec7c \u2014 v\u00ed d\u1ee5 nh\u01b0 bi\u00ean b\u1ea3n, l\u1eddi khai c\u1ee7a ng\u01b0\u1eddi g\u00e2y ra s\u1ef1 vi\u1ec7c ho\u1eb7c l\u1eddi khai b\u1eb1ng v\u0103n b\u1ea3n c\u1ee7a c\u00e1c nh\u00e2n ch\u1ee9ng \u2014 h\u00e3y b\u1ea3o qu\u1ea3n ch\u00fang c\u1ea9n th\u1eadn, v\u00ec c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u00f3 li\u00ean quan c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ph\u1ea3i xu\u1ea5t tr\u00ecnh c\u00e1c t\u00e0i li\u1ec7u n\u00e0y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) c\u00f3 \u0111\u1ee7 \u0111\u1ec3 l\u00e0m h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m duy nh\u1ea5t cho ng\u01b0\u1eddi t\u1ef1 kinh doanh kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh nh\u01b0 v\u1eady. B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong ho\u1ea1t \u0111\u1ed9ng kinh doanh (OC) ph\u1ee5c v\u1ee5 c\u00e1c nhu c\u1ea7u kh\u00e1c nhau, v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a t\u1eebng h\u1ee3p \u0111\u1ed3ng c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra ri\u00eang bi\u1ec7t. <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ph\u00e2n t\u00edch r\u1ee7i ro, sau \u0111\u00f3 m\u1edbi l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/strong> Trong tr\u01b0\u1eddng h\u1ee3p l\u00e0m vi\u1ec7c t\u1ea1i n\u01a1i kh\u00e1ch h\u00e0ng, c\u00e1c t\u00e0i li\u1ec7u c\u1eadp nh\u1eadt, m\u00f4 t\u1ea3 th\u1ef1c t\u1ebf v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u0169ng nh\u01b0 s\u1ef1 ph\u00f9 h\u1ee3p gi\u1eefa th\u1eddi gian v\u00e0 \u0111\u1ecba \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 ki\u1ec7n v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1eabn l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 then ch\u1ed1t.<\/p>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ef1 do c\u00f3 th\u1ec3 l\u00e0m vi\u1ec7c t\u1ea1i v\u0103n ph\u00f2ng, x\u01b0\u1edfng, t\u1ea1i c\u01a1 s\u1edf c\u1ee7a \u0111\u1ed1i t\u00e1c ho\u1eb7c t\u1ea1i nhi\u1ec1u \u0111\u1ecba \u0111i\u1ec3m kh\u00e1c nhau trong c\u00f9ng m\u1ed9t ng\u00e0y. Ch\u1ec9 ri\u00eang vi\u1ec7c tai n\u1ea1n x\u1ea3y ra trong 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