{"id":3727,"date":"2026-02-26T13:19:06","date_gmt":"2026-02-26T12:19:06","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/nieskategoryzowane\/ubezpieczenie-zdrowotne-dla-dziecka-na-wyjazd-jak-wybrac\/"},"modified":"2026-09-11T15:53:11","modified_gmt":"2026-09-11T13:53:11","slug":"seyahate-cikan-bi%cc%87r-cocuk-i%cc%87ci%cc%87n-saglik-si%cc%87gortasi-nasil-seci%cc%87li%cc%87r","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/poradnik\/poradnik-pacjenta-i-faq\/ubezpieczenie-zdrowotne-dla-dziecka-na-wyjazd-jak-wybrac\/","title":{"rendered":"Seyahate \u00e7\u0131kan bir \u00e7ocuk i\u00e7in sa\u011fl\u0131k sigortas\u0131 - nas\u0131l se\u00e7ilir"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">\u00c7ocuk sa\u011fl\u0131k sigortas\u0131 vs. seyahat<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u00c7ocu\u011funuzla d\u0131\u015far\u0131 \u00e7\u0131kmak bir zevktir, ancak ayn\u0131 zamanda \u00f6ng\u00f6r\u00fclemeyen durumlar i\u00e7in daha b\u00fcy\u00fck bir risk vard\u0131r: enfeksiyonlar, oyun alan\u0131nda yaralanmalar, mide sorunlar\u0131 veya gece yard\u0131m\u0131na ziyaret. B\u00f6yle anlarda doktora h\u0131zl\u0131 eri\u015fim ve faturay\u0131 kimin \u00f6deyece\u011fi konusunda net bilgi \u00f6nemlidir. \u0130yi se\u00e7ilmi\u015f <strong>sa\u011fl\u0131k sigortas\u0131<\/strong> \u00fczerinde <strong>yolculuk<\/strong> formalitelere de\u011fil \u00e7ocu\u011fa odaklanman\u0131z\u0131 sa\u011flar.<\/p>\n<p>Bu k\u0131lavuzda, poli\u00e7enin hangi unsurlar\u0131n\u0131n \u00f6nemli oldu\u011funu, hangi s\u0131n\u0131rlara dikkat edilmesi gerekti\u011fini ve T&amp;C'lerdeki yayg\u0131n hatalardan nas\u0131l ka\u00e7\u0131n\u0131laca\u011f\u0131n\u0131 \u00f6neriyoruz. Bu metin, \u00e7ocuklar\u0131 i\u00e7in ger\u00e7ek bir koruma isteyen ebeveynler i\u00e7in yaz\u0131lm\u0131\u015ft\u0131r. <strong>\u00c7ocuk<\/strong> Polonya'da ve yurtd\u0131\u015f\u0131nda seyahat ederken.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Bir \u00e7ocuk poli\u00e7esi neleri kapsamal\u0131d\u0131r<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u201eSeyahat sa\u011fl\u0131k sigortas\u0131\u201d terimi \u00e7o\u011funlukla a\u015fa\u011f\u0131daki bile\u015fenleri i\u00e7eren seyahat sigortas\u0131n\u0131 ifade eder <strong>t\u0131bbi harcamalar (KL)<\/strong> i <strong>Yard\u0131m<\/strong>. Bir \u00e7ocuk i\u00e7in bu \u00e7ok \u00f6nemlidir: doktor randevular\u0131n\u0131, testleri, ila\u00e7lar\u0131 ve gerekirse hastaneye yat\u0131r\u0131lmay\u0131 kapsar. Bir\u00e7ok \u00fcr\u00fcnde, \u00e7ocu\u011funuzun ba\u015fka bir ki\u015fiye zarar vermesi durumunda bazen yararl\u0131 olan kaza ve ki\u015fisel sorumluluk da alabilirsiniz.<\/p>\n<p>T&amp;C'lerde, t\u0131bbi masraflar ve yard\u0131m hizmetleri gibi teminatlar\u0131n yan\u0131 s\u0131ra ek se\u00e7eneklerle kar\u015f\u0131la\u015fabilirsiniz: kaza sigortas\u0131, \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131s sorumlulu\u011fu, bagaj veya spor malzemeleri. Pratikte KL ve asistans, yard\u0131m\u0131 organize ettikleri ve tedaviyi tesisle hallettikleri i\u00e7in \u00e7o\u011funlukla \u00e7ocuklarla \u201e\u00e7al\u0131\u015f\u0131r\u201d.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u0131bbi harcamalar (KL):<\/strong> randevular, muayeneler, hastaneye yat\u0131\u015f, ila\u00e7lar ve t\u0131bbi prosed\u00fcrler.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u0131bbi yard\u0131m:<\/strong> yard\u0131m hatt\u0131, doktor organizasyonu, t\u0131bbi nakil ve acil durum deste\u011fi.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>NNW:<\/strong> Kaza sonras\u0131 kal\u0131c\u0131 sa\u011fl\u0131k hasarlar\u0131 i\u00e7in yard\u0131m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u00d6zel hayatta sorumluluk:<\/strong> Bir \u00e7ocuk kazara zarar verdi\u011finde (\u00f6rne\u011fin birinin telefonunu k\u0131rd\u0131\u011f\u0131nda).<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Uzant\u0131lar:<\/strong> spor, kronik hastal\u0131klar, d\u00f6n\u00fc\u015fte tedavinin devam\u0131 (teklife ba\u011fl\u0131 olarak).<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 \u0130pucu<\/h4>\n<p class=\"kt-blocks-info-box-text\">Bir poli\u00e7e yapt\u0131rmadan \u00f6nce, yaln\u0131zca \u201eneleri kapsad\u0131\u011f\u0131n\u0131\u201d de\u011fil, ayn\u0131 zamanda a\u015fa\u011f\u0131daki hususlar\u0131 da kontrol edin <strong>faydalarin nasil sa\u011flandi\u011fi<\/strong>. Bir\u00e7ok ko\u015fulda, gerekli olmas\u0131 halinde <strong>\u00f6nce acil durum merkeziyle ileti\u015fime ge\u00e7in<\/strong> ve ancak o zaman kendi ba\u015flar\u0131na hareket ederler.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Sigortal\u0131 mebla\u011flar ve limitler: nas\u0131l okunmal\u0131<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ebeveynlerin yapt\u0131\u011f\u0131 en yayg\u0131n hata, sigorta bedelini ve limitleri kontrol etmeden \u201een ucuz\u201d poli\u00e7eyi se\u00e7mektir. Sigortan\u0131n daha pahal\u0131 hizmetler (\u00f6rne\u011fin te\u015fhis, t\u0131bbi nakil) i\u00e7in i\u015fe yaray\u0131p yaramayaca\u011f\u0131n\u0131 belirleyen de limitlerdir. \u00dcr\u00fcn materyallerinde, \u00f6rne\u011fin yurtd\u0131\u015f\u0131na seyahat ederken t\u0131bbi harcamalar i\u00e7in farkl\u0131 seviyelerde mebla\u011flarla kar\u015f\u0131la\u015f\u0131lmaktad\u0131r: <strong>40.000-250.000 AVRO<\/strong>, ve Polonya'da turnede: <strong>10 000-50 000 Euro<\/strong>. Bu, olas\u0131 se\u00e7eneklerin \u00f6l\u00e7e\u011fini g\u00f6sterir.<\/p>\n<p>KL'nin ana miktar\u0131na ek olarak, belirli hizmetler i\u00e7in \u201ealt limitler\u201d de \u00f6nemlidir. \u00d6rnek: yard\u0131m b\u00f6l\u00fcm\u00fcnde bazen bir bak\u0131c\u0131 hastaneye yat\u0131r\u0131ld\u0131\u011f\u0131nda \u00e7ocuklar i\u00e7in bak\u0131m, yemek ve geceleme i\u00e7in bir s\u0131n\u0131r vard\u0131r. Ayr\u0131ca bazen \u00e7ocu\u011fun hastanede kal\u0131\u015f s\u00fcresi veya belirli bir poli\u00e7e y\u0131l\u0131nda hastanede yatt\u0131\u011f\u0131 g\u00fcn say\u0131s\u0131 i\u00e7in de bir s\u0131n\u0131r vard\u0131r. Bu h\u00fck\u00fcmler \u00f6demeyi zorla\u015ft\u0131rmak i\u00e7in de\u011fil, sadece \u015firketin hangi miktara kadar sorumlu oldu\u011funu bilmeniz i\u00e7in vard\u0131r.<\/p>\n<p>Vize formaliteleri yoluyla seyahat etmeyi planl\u0131yorsan\u0131z, resmi ve belgesel gereklilikleri ayr\u0131ca kontrol edin. Prosed\u00fcrlerle ilgili rehberler yard\u0131mc\u0131 olabilir, \u00f6rn. <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/prosedur-ve-dokumantasyon\/schengen-vi%cc%87zesi%cc%87-c-ti%cc%87pi%cc%87-formali%cc%87teler-ve-belgeler\/\">Schengen vizesi C tipi<\/a> veya <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/prosedur-ve-dokumantasyon\/d-ti%cc%87pi%cc%87-ulusal-vi%cc%87ze-i%cc%87slemleri%cc%87-ve-belgeleri%cc%87\/\">D tipi ulusal vize<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Sat\u0131n almadan \u00f6nce T&amp;C'lerde neleri kontrol etmelisiniz<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>T&amp;C'ler uzun olabilir, ancak bir \u00e7ocukla uza\u011fa giderken, en az\u0131ndan birka\u00e7 \u00f6nemli noktay\u0131 okumaya de\u011fer: istisnalar, limitler ve yard\u0131ma ba\u015fvurma kurallar\u0131. Tan\u0131mlara dikkat edin (\u00f6rne\u011fin \u201eani hastal\u0131k\u201d, \u201ekaza\u201d), \u00e7\u00fcnk\u00fc bunlar bir olay\u0131n tan\u0131n\u0131p tan\u0131nmayaca\u011f\u0131n\u0131 belirleyecektir. Ayr\u0131ca kronik hastal\u0131klar, sportif faaliyetler ve bak\u0131c\u0131n\u0131n alkol etkisi alt\u0131nda oldu\u011fu durumlarla ilgili ko\u015fullar da \u00f6nemlidir (bu bazen sigortac\u0131n\u0131n sorumlulu\u011funu etkiler).<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Krizdeki bir \u00e7ocuk i\u00e7in yard\u0131m ve bak\u0131m<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ebeveynler i\u00e7in yard\u0131m genellikle koruman\u0131n en \u00f6nemli par\u00e7as\u0131d\u0131r \u00e7\u00fcnk\u00fc \u201eburada ve \u015fimdi\u201d \u00e7al\u0131\u015f\u0131r: bir tesis bulmaya yard\u0131mc\u0131 olur, bir ziyaret, bir terc\u00fcman veya ula\u015f\u0131m ayarlar. T&amp;C'lerin pratik h\u00fck\u00fcmlerinde, yeti\u015fkin bir bak\u0131c\u0131 hastaneye kald\u0131r\u0131ld\u0131\u011f\u0131nda \u00e7ocuk bak\u0131m\u0131yla ilgili yard\u0131mlar da bulabilirsiniz. \u00d6rne\u011fin, sigortac\u0131 \u00e7ocu\u011fun bak\u0131m\u0131n\u0131, yeme\u011fini, konaklamas\u0131n\u0131 ve ikamet yerine naklini organize edebilir ve \u00f6deyebilir, genellikle b\u00f6yle bir olay i\u00e7in ek bir maliyet limiti vard\u0131r.<\/p>\n<p>Bu, bir \u00e7ocukla yaln\u0131z seyahat ederken \u00f6nemlidir: tek bak\u0131c\u0131 hastaneye kald\u0131r\u0131l\u0131rsa, yard\u0131m, bak\u0131m ve g\u00fcvenli d\u00f6n\u00fc\u015f prosed\u00fcr\u00fcn\u00fc harekete ge\u00e7irmeye yard\u0131mc\u0131 olabilir. Poli\u00e7enin, hastanede yatan bir \u00e7ocu\u011fu veya bak\u0131c\u0131y\u0131 ziyarete gelen bir aile \u00fcyesinin masraflar\u0131n\u0131 kar\u015f\u0131lay\u0131p kar\u015f\u0131lamad\u0131\u011f\u0131n\u0131 da kontrol etmekte fayda vard\u0131r, \u00e7\u00fcnk\u00fc baz\u0131 \u00fcr\u00fcnlerde bu, limiti olan ayr\u0131 bir hizmettir.<\/p>\n<p>Poli\u00e7eler ve eklentiler (\u00f6rne\u011fin COVID-19) aras\u0131ndaki farklarla ilgileniyorsan\u0131z, kar\u015f\u0131la\u015ft\u0131rmaya da bak\u0131n: <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/poli%cc%87ce-turleri%cc%87-ve-karsilastirilmasi\/covid-19-i%cc%87le-seci%cc%87lecek-saglik-poli%cc%87celeri%cc%87\/\">COVID-19 ile sa\u011fl\u0131k politikalar\u0131<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 \u0130pucu<\/h4>\n<p class=\"kt-blocks-info-box-text\">Poli\u00e7enizdeki acil durum merkezi numaras\u0131n\u0131 telefonunuza not edin ve el bagaj\u0131n\u0131zda da bir ka\u011f\u0131da yaz\u0131n. Gergin bir \u00e7ocukla, belgeleri i\u00e7eren bir e-postay\u0131 kaybetmek kolayd\u0131r.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Kontrol listesi: \u00c7ocu\u011funuzun sigortas\u0131n\u0131 nas\u0131l se\u00e7ersiniz?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Seyahate \u00e7\u0131kan bir \u00e7ocuk i\u00e7in iyi bir sa\u011fl\u0131k sigortas\u0131 \u201een pahal\u0131\u201d olmak zorunda de\u011fildir, ancak gidilecek yere, s\u00fcreye ve faaliyete g\u00f6re uyarlanmal\u0131d\u0131r. \u015eehir tatili i\u00e7in farkl\u0131 bir se\u00e7enek, kayak i\u00e7in farkl\u0131 bir se\u00e7enek ve uzun bir yolculuk ve ikamet formaliteleri s\u00f6z konusu oldu\u011funda farkl\u0131 bir se\u00e7enek se\u00e7eceksiniz. Seyahate \u00e7\u0131kmadan \u00f6nce poli\u00e7enizi de\u011fi\u015ftirmeyi planl\u0131yorsan\u0131z, bir rehber faydal\u0131 olabilir: <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/tr\/rehber\/prosedur-ve-dokumantasyon\/gi%cc%87ri%cc%87sten-once-poli%cc%87ce-degi%cc%87si%cc%87kli%cc%87gi%cc%87-adim-adim-tali%cc%87matlar\/\">giri\u015ften \u00f6nce politika de\u011fi\u015fikli\u011fi<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Seyahatin amac\u0131 ve y\u00f6n\u00fc:<\/strong> AB, AB d\u0131\u015f\u0131, Polonya, okul gezisi, spor gezisi.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Toplam t\u0131bbi masraflar:<\/strong> Tedavinin yap\u0131ld\u0131\u011f\u0131 \u00fclke ne kadar pahal\u0131ysa, mebla\u011f da o kadar y\u00fcksek olmal\u0131d\u0131r.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u0131bbi ta\u015f\u0131ma ve kurtarma:<\/strong> kapsam dahilinde olup olmad\u0131\u011f\u0131n\u0131 ve bir alt s\u0131n\u0131r\u0131 olup olmad\u0131\u011f\u0131n\u0131 kontrol edin.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kronik hastal\u0131klar ve ila\u00e7 tedavisi:<\/strong> Gerekirse poli\u00e7enizin alevlenmeleri kapsad\u0131\u011f\u0131ndan emin olun.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Spor ve aktiviteler:<\/strong> Kayak, trambolin park\u0131, su sporlar\u0131n\u0131n geni\u015fletilmesi gerekebilir.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Yard\u0131m kurulu\u015fu:<\/strong> Yard\u0131m\u0131n bir ziyaret ayarlay\u0131p ayarlamad\u0131\u011f\u0131 ve masraflar\u0131 nakitsiz olarak \u00f6deyip \u00f6demedi\u011fi.<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">\u00d6zet ve h\u0131zl\u0131 sonu\u00e7lar<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u00c7ocu\u011funuzla g\u00f6n\u00fcl rahatl\u0131\u011f\u0131yla seyahat etmek istiyorsan\u0131z, poli\u00e7enizi bir acil durum plan\u0131 olarak ele al\u0131n: sadece \u201eka\u011f\u0131t \u00fczerinde\u201d de\u011fil, h\u0131zl\u0131 ve pratikte \u00e7al\u0131\u015fmal\u0131d\u0131r. En \u00f6nemli unsurlar t\u0131bbi masraflar ve yard\u0131md\u0131r ve ancak ondan sonra kaza ve ki\u015fisel sorumluluk gibi ekstralar gelir. Yaln\u0131zca fiyat\u0131 de\u011fil, ayn\u0131 zamanda sigorta bedelini, alt limitleri ve acil durum merkeziyle ileti\u015fim kurma kurallar\u0131n\u0131 da kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n<p>Sat\u0131n almadan \u00f6nce \u015funlardan emin olun <strong>sa\u011fl\u0131k sigortas\u0131<\/strong> belirli bir <strong>yolculuk<\/strong> ve sizin ihtiya\u00e7lar\u0131n\u0131z <strong>\u00c7ocuk<\/strong>. \u015e\u00fcpheniz varsa, dan\u0131\u015fman\u0131n\u0131z i\u00e7in bir soru listesi haz\u0131rlay\u0131n ve onlardan T&amp;C'lerdeki ilgili h\u00fck\u00fcmlere i\u015faret etmelerini isteyin. Bu, her dakikan\u0131n \u00f6nemli oldu\u011fu durumlarda hayal k\u0131r\u0131kl\u0131\u011f\u0131n\u0131 \u00f6nlemenin en kolay yoludur.<\/p>\n<\/p><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>\u00c7ocu\u011funuz i\u00e7in sa\u011fl\u0131k sigortas\u0131 ve uzaklara gitme \u00c7ocu\u011funuzla uzaklara gitmek bir keyiftir, ancak ayn\u0131 zamanda \u00f6ng\u00f6r\u00fclemeyen durumlar i\u00e7in daha b\u00fcy\u00fck bir risk de vard\u0131r: enfeksiyonlar, bah\u00e7ede yaralanmalar,...<\/p>","protected":false},"author":2,"featured_media":3726,"comment_status":"closed","ping_status":"","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":[41],"tags":[49,54,62,61,60],"class_list":["post-3727","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-poradnik-pacjenta-i-faq","tag-owu","tag-polisa-zdrowotna","tag-ubezpieczenie-dla-dziecka","tag-ubezpieczenie-podrozne","tag-ubezpieczenie-za-granica"],"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>Ubezpieczenie zdrowotne dla dziecka na wyjazd \u2013 jak wybra\u0107 - Ubezpieczenie Cudzoziemca<\/title>\n<meta name=\"description\" content=\"Jak dobra\u0107 ubezpieczenie zdrowotne dla dziecka na wyjazd? 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