{"id":3734,"date":"2026-03-05T13:19:48","date_gmt":"2026-03-05T12:19:48","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/nieskategoryzowane\/ubezpieczenie-zdrowotne-a-brak-pokrycia-leczenia-co-robic\/"},"modified":"2026-09-11T15:57:23","modified_gmt":"2026-09-11T13:57:23","slug":"bao-hiem-y-te-va-viec-khong-duoc-chi-tra-chi-phi-dieu-tri-phai-lam-gi","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/poradnik-pacjenta-i-faq\/ubezpieczenie-zdrowotne-a-brak-pokrycia-leczenia-co-robic\/","title":{"rendered":"B\u1ea3o hi\u1ec3m y t\u1ebf v\u00e0 vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u2013 ph\u1ea3i l\u00e0m g\u00ec?"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Khi b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00f3 th\u1ec3 x\u1ea3y ra v\u00e0o th\u1eddi \u0111i\u1ec3m t\u1ed3i t\u1ec7 nh\u1ea5t: sau khi th\u0103m kh\u00e1m b\u00e1c s\u0129, sau khi l\u00e0m c\u00e1c x\u00e9t nghi\u1ec7m ho\u1eb7c sau khi xu\u1ea5t vi\u1ec7n. Tr\u00ean th\u1ef1c t\u1ebf, v\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p nh\u1ea5t l\u00e0... <strong>b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong> kh\u00f4ng bao g\u1ed3m m\u1ed9t kho\u1ea3n b\u1ed3i th\u01b0\u1eddng c\u1ee5 th\u1ec3, gi\u1edbi h\u1ea1n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 h\u1ebft ho\u1eb7c c\u00f4ng ty b\u1ea3o hi\u1ec3m cho r\u1eb1ng c\u00f3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb theo \u0110i\u1ec1u kho\u1ea3n chung c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. B\u1ea5t k\u1ec3 l\u00fd do l\u00e0 g\u00ec, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 nhanh ch\u00f3ng thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u v\u00e0 ki\u1ec3m tra xem c\u00f3 th\u1ef1c s\u1ef1 x\u1ea3y ra s\u1ef1 c\u1ed1 hay kh\u00f4ng. <strong>thi\u1ebfu h\u1ee5t<\/strong>, hay ch\u1ec9 l\u00e0 nh\u1eefng thi\u1ebfu s\u00f3t v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c.<\/p>\n<p>Trong h\u01b0\u1edbng d\u1eabn t\u1eebng b\u01b0\u1edbc n\u00e0y, t\u00f4i s\u1ebd gi\u1ea3i th\u00edch nh\u1eefng vi\u1ec7c c\u1ea7n l\u00e0m khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i thanh to\u00e1n. <strong>\u0111i\u1ec1u tr\u1ecb<\/strong>, c\u00e1ch thanh to\u00e1n h\u00f3a \u0111\u01a1n an to\u00e0n, c\u00e1ch vi\u1ebft \u0111\u01a1n khi\u1ebfu n\u1ea1i v\u00e0 n\u01a1i \u0111\u1ec3 khi\u1ebfu n\u1ea1i l\u00ean c\u1ea5p tr\u00ean n\u1ebfu c\u00e2u tr\u1ea3 l\u1eddi v\u1eabn l\u00e0 ti\u00eau c\u1ef1c. V\u0103n b\u1ea3n n\u00e0y \u0111\u1eb7c bi\u1ec7t h\u1eefu \u00edch cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u1edf Ba Lan, nh\u1eefng ng\u01b0\u1eddi s\u1eed d\u1ee5ng ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf ho\u1eb7c g\u00f3i b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">C\u00e1c l\u00fd do ph\u1ed5 bi\u1ebfn nh\u1ea5t d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh. OWU bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, gi\u1edbi h\u1ea1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Trong th\u1ef1c t\u1ebf, vi\u1ec7c t\u1eeb ch\u1ed1i th\u01b0\u1eddng xu\u1ea5t ph\u00e1t t\u1eeb m\u1ed9t s\u1ed1 t\u00ecnh hu\u1ed1ng l\u1eb7p l\u1ea1i: d\u1ecbch v\u1ee5 n\u1eb1m ngo\u00e0i ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o qu\u00e1 mu\u1ed9n, h\u00f3a \u0111\u01a1n kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 ho\u1eb7c vi\u1ec7c \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c coi l\u00e0 theo k\u1ebf ho\u1ea1ch.<\/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>Lo\u1ea1i tr\u1eeb trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung:<\/strong> v\u00ed d\u1ee5: \u0111i\u1ec1u tr\u1ecb ph\u00e1t sinh trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t (chi\u1ebfn tranh, b\u1ea1o lo\u1ea1n) ho\u1eb7c sau khi s\u1eed d\u1ee5ng r\u01b0\u1ee3u\/ma t\u00fay, ho\u1eb7c c\u00e1c t\u00ecnh hu\u1ed1ng kh\u00e1c \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n chung.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110i\u1ec1u tr\u1ecb kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y:<\/strong> M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng ho\u00e0n tr\u1ea3 chi ph\u00ed cho c\u00e1c d\u1ecbch v\u1ee5 c\u1ee5 th\u1ec3 (v\u00ed d\u1ee5: m\u1ed9t s\u1ed1 x\u00e9t nghi\u1ec7m, t\u01b0 v\u1ea5n ho\u1eb7c c\u00e1c ph\u1ea7n c\u1ee7a qu\u00e1 tr\u00ecnh ch\u1ea9n \u0111o\u00e1n) n\u1ebfu \u0111i\u1ec1u kho\u1ea3n chung c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh nh\u01b0 v\u1eady.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kh\u00f4ng b\u00e1o c\u00e1o cho trung t\u00e2m b\u00e1o \u0111\u1ed9ng:<\/strong> Trong nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m (\u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o hi\u1ec3m h\u1ed7 tr\u1ee3), li\u00ean h\u1ec7 v\u00e0 h\u00e0nh \u0111\u1ed9ng theo ch\u1ec9 d\u1eabn c\u1ee7a trung t\u00e2m l\u00e0 ngh\u0129a v\u1ee5 khi x\u1ea3y ra thi\u1ec7t h\u1ea1i.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Thi\u1ebfu t\u00e0i li\u1ec7u:<\/strong> Vi\u1ec7c thi\u1ebfu ch\u1ea9n \u0111o\u00e1n, m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c, h\u00f3a \u0111\u01a1n g\u1ed1c v\u00e0 b\u1eb1ng ch\u1ee9ng thanh to\u00e1n c\u00f3 th\u1ec3 l\u00e0m tr\u00ec ho\u00e3n vi\u1ec7c thanh to\u00e1n, th\u1eadm ch\u00ed d\u1eabn \u0111\u1ebfn vi\u1ec7c t\u1eeb ch\u1ed1i thanh to\u00e1n cho \u0111\u1ebfn khi c\u00e1c t\u00e0i li\u1ec7u n\u00e0y \u0111\u01b0\u1ee3c b\u1ed5 sung \u0111\u1ea7y \u0111\u1ee7.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1edbi h\u1ea1n v\u01b0\u1ee3t qu\u00e1:<\/strong> S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c cao h\u01a1n s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m; \u0111\u00f4i khi gi\u1edbi h\u1ea1n \u00e1p d\u1ee5ng cho m\u1ed9t lo\u1ea1i b\u1ed3i th\u01b0\u1eddng c\u1ee5 th\u1ec3.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kh\u00f4ng tu\u00e2n th\u1ee7 c\u00e1c khuy\u1ebfn c\u00e1o:<\/strong> M\u1ed9t ph\u1ea7n c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) ch\u1ec9 ra r\u1eb1ng vi\u1ec7c ph\u1edbt l\u1edd c\u00e1c khuy\u1ebfn c\u00e1o c\u1ee7a b\u00e1c s\u0129 c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c kho\u1ea3n ti\u1ec1n m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i, h\u00e3y tham kh\u1ea3o h\u01b0\u1edbng d\u1eabn v\u1ec1 c\u00e1c kho\u1ea3n ti\u1ec1n \u0111\u00f3. <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> \u1edf Ba Lan. \u0110i\u1ec1u n\u00e0y gi\u00fap \u0111\u00e1nh gi\u00e1 xem v\u1ea5n \u0111\u1ec1 l\u00e0 do gi\u1edbi h\u1ea1n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hay do th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh.<\/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 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">Y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh b\u1eb1ng v\u0103n b\u1ea3n v\u1edbi c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00e0 l\u00fd do. Trong nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 ngh\u0129a v\u1ee5 gi\u1ea3i th\u00edch l\u00fd do t\u1eeb ch\u1ed1i to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n quy\u1ec1n l\u1ee3i v\u00e0 c\u00e1ch th\u1ee9c b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">C\u1ea7n l\u00e0m ngay: c\u00e1c b\u01b0\u1edbc an to\u00e0n cho b\u1ec7nh nh\u00e2n<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi c\u00f3 th\u00f4ng tin v\u1ec1 vi\u1ec7c t\u1eeb ch\u1ed1i ho\u1eb7c nghi ng\u1edd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, h\u00e3y h\u00e0nh \u0111\u1ed9ng song song trong hai l\u0129nh v\u1ef1c: y t\u1ebf v\u00e0 th\u1ee7 t\u1ee5c. Th\u1ee9 nh\u1ea5t, \u0111\u1eebng ng\u1eebng \u0111i\u1ec1u tr\u1ecb n\u1ebfu c\u1ea7n thi\u1ebft. Th\u1ee9 hai, h\u00e3y \u0111\u1ea3m b\u1ea3o c\u00f3 b\u1eb1ng ch\u1ee9ng v\u00e0 tu\u00e2n th\u1ee7 quy tr\u00ecnh theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). \u0110\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, vi\u1ec7c li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u v\u00e0 tu\u00e2n theo h\u01b0\u1edbng d\u1eabn c\u1ee7a h\u1ecd th\u01b0\u1eddng l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng.<\/p>\n<p>N\u1ebfu b\u1ea1n \u0111\u00e3 \u0111i kh\u00e1m v\u00e0 t\u1ef1 chi tr\u1ea3 chi ph\u00ed, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 v\u00e0 n\u00ean n\u1ed9p \u0111\u01a1n xin ho\u00e0n tr\u1ea3 chi ph\u00ed. Trong c\u00e1c t\u00e0i li\u1ec7u, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng y\u00eau c\u1ea7u ch\u1ea9n \u0111o\u00e1n\/\u0111i\u1ec1u tr\u1ecb, m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng s\u1ef1 vi\u1ec7c v\u00e0 cung c\u1ea5p h\u00f3a \u0111\u01a1n v\u00e0 b\u1eb1ng ch\u1ee9ng thanh to\u00e1n. Thi\u1ebfu c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y l\u00e0 nguy\u00ean nh\u00e2n ph\u1ed5 bi\u1ebfn nh\u1ea5t d\u1eabn \u0111\u1ebfn vi\u1ec7c t\u1ea1m d\u1eebng thanh to\u00e1n.<\/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>Thu th\u1eadp h\u1ed3 s\u01a1 y t\u1ebf:<\/strong> th\u1ebb th\u00f4ng tin, khuy\u1ebfn ngh\u1ecb, k\u1ebft qu\u1ea3 x\u00e9t nghi\u1ec7m, ch\u1ea9n \u0111o\u00e1n (ch\u1ea9n \u0111o\u00e1n).<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u1ea3o m\u1eadt h\u00f3a \u0111\u01a1n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n:<\/strong> t\u1ed1t nh\u1ea5t l\u00e0 b\u1ea3n g\u1ed1c, theo y\u00eau c\u1ea7u c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) v\u00e0 c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m:<\/strong> li\u1ec7u d\u1ecbch v\u1ee5 c\u00f3 n\u1eb1m trong ph\u1ea1m vi, gi\u1edbi h\u1ea1n v\u00e0 th\u1eddi h\u1ea1n \u0111\u0103ng k\u00fd \u00e1p d\u1ee5ng hay kh\u00f4ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m b\u00e1o \u0111\u1ed9ng:<\/strong> N\u1ebfu ch\u00ednh s\u00e1ch y\u00eau c\u1ea7u, h\u00e3y y\u00eau c\u1ea7u x\u00e1c nh\u1eadn cu\u1ed9c tr\u00f2 chuy\u1ec7n v\u00e0 s\u1ed1 v\u1ee5 vi\u1ec7c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Y\u00eau c\u1ea7u c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n s\u1eeda \u0111\u1ed5i c\u00e1c t\u00e0i li\u1ec7u:<\/strong> Thi\u1ebfu m\u00e3 d\u1ecbch v\u1ee5, d\u1eef li\u1ec7u b\u1ec7nh nh\u00e2n ho\u1eb7c ng\u00e0y th\u00e1ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 h\u00ecnh th\u1ee9c th\u01b0\u1eddng g\u1eb7p.<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu chuy\u1ebfn \u0111i c\u1ee7a b\u1ea1n \u0111\u1ebfn Ba Lan li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c, b\u1ea1n c\u00f3 th\u1ec3 s\u1eafp x\u1ebfp c\u00e1c t\u00e0i li\u1ec7u theo ki\u1ec3u \u201edanh s\u00e1ch ki\u1ec3m tra\u201d t\u01b0\u01a1ng t\u1ef1 nh\u01b0 trong c\u00e1c b\u00e0i vi\u1ebft v\u1ec1 th\u1ecb th\u1ef1c, v\u00ed d\u1ee5:. <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/thu-tuc-va-ho-so\/visa-schengen-loai-c-thu-tuc-va-giay-to\/\">Visa Schengen lo\u1ea1i C<\/a> ho\u1eb7c <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/thu-tuc-va-ho-so\/visa-quoc-gia-loai-d-thu-tuc-va-giay-to\/\">Visa qu\u1ed1c gia lo\u1ea1i D<\/a>. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n kh\u00f4ng b\u1ecf s\u00f3t c\u00e1c t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m quan tr\u1ecdng, k\u1ec3 c\u1ea3 trong c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng y t\u1ebf.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Khi\u1ebfu n\u1ea1i v\u00e0 kh\u00e1ng c\u00e1o: c\u00e1ch vi\u1ebft hi\u1ec7u qu\u1ea3<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3 chi ph\u00ed ho\u1eb7c ho\u00e0n tr\u1ea3 \u00edt h\u01a1n s\u1ed1 ti\u1ec1n ghi tr\u00ean h\u00f3a \u0111\u01a1n, b\u01b0\u1edbc ti\u1ebfp theo l\u00e0 khi\u1ebfu n\u1ea1i (kh\u00e1ng c\u00e1o quy\u1ebft \u0111\u1ecbnh). T\u1eeb g\u00f3c \u0111\u1ed9 th\u1ef1c ti\u1ec5n, khi\u1ebfu n\u1ea1i s\u1ebd c\u00f3 hi\u1ec7u qu\u1ea3 nh\u1ea5t khi li\u00ean quan \u0111\u1ebfn m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 c\u00e1c t\u00e0i li\u1ec7u y t\u1ebf c\u1ee5 th\u1ec3. Ngo\u00e0i ra, n\u1ebfu b\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 c\u01a1 s\u1edf \u0111\u1ec3 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh, b\u1ea1n n\u00ean y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u m\u00e0 h\u1ecd \u0111\u00e3 thu th\u1eadp \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 tr\u00e1ch nhi\u1ec7m.<\/p>\n<p>Nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n chung (OWU) quy \u0111\u1ecbnh r\u1eb1ng c\u00e1c khi\u1ebfu n\u1ea1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c n\u1ed9p b\u1edfi ng\u01b0\u1eddi b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i xem x\u00e9t ch\u00fang theo quy tr\u00ecnh khi\u1ebfu n\u1ea1i. N\u1ebfu l\u00fd do t\u1eeb ch\u1ed1i l\u00e0 do thi\u1ebfu t\u00e0i li\u1ec7u, th\u01b0\u1eddng ch\u1ec9 c\u1ea7n g\u1eedi b\u1ed5 sung c\u00e1c t\u00e0i li\u1ec7u thi\u1ebfu: ch\u1ea9n \u0111o\u00e1n, m\u00f4 t\u1ea3 chi ti\u1ebft s\u1ef1 c\u1ed1 ho\u1eb7c h\u00f3a \u0111\u01a1n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n.<\/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>Trong \u0111\u01a1n khi\u1ebfu n\u1ea1i, h\u00e3y n\u00eau r\u00f5 y\u00eau c\u1ea7u c\u1ee7a b\u1ea1n:<\/strong> chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \/ b\u00f9 \u0111\u1eafp ch\u00eanh l\u1ec7ch \/ thay \u0111\u1ed5i \u0111i\u1ec1u ki\u1ec7n h\u01b0\u1edfng tr\u1ee3 c\u1ea5p.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>D\u1ef1a tr\u00ean c\u00e1c l\u1eadp lu\u1eadn v\u1ec1 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU):<\/strong> tr\u00edch d\u1eabn \u0111i\u1ec3m x\u00e1c nh\u1eadn ph\u1ea1m vi ho\u1eb7c b\u00e1c b\u1ecf ngo\u1ea1i l\u1ec7 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110\u00ednh k\u00e8m b\u1ed9 t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m:<\/strong> h\u1ed3 s\u01a1 y t\u1ebf, h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb thanh to\u00e1n, s\u1ed1 v\u1ee5 tai n\u1ea1n, quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Gi\u1ea3i th\u00edch ho\u00e0n c\u1ea3nh:<\/strong> T\u1ea1i sao vi\u1ec7c \u0111i\u1ec1u tr\u1ecb l\u00e0 kh\u1ea9n c\u1ea5p v\u00e0 c\u1ea7n thi\u1ebft, ch\u1ee9 kh\u00f4ng ph\u1ea3i theo k\u1ebf ho\u1ea1ch; ai v\u00e0 khi n\u00e0o \u0111\u00e3 ch\u1ec9 \u0111\u1ecbnh c\u00e1c x\u00e9t nghi\u1ec7m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Y\u00eau c\u1ea7u tr\u1ea3 l\u1eddi b\u1eb1ng v\u0103n b\u1ea3n:<\/strong> v\u1edbi c\u01a1 s\u1edf ph\u00e1p l\u00fd t\u1eeb ch\u1ed1i v\u00e0 ch\u1ec9 d\u1eabn v\u1ec1 con \u0111\u01b0\u1eddng ti\u1ebfp theo \u0111\u1ec3 \u0111\u00f2i b\u1ed3i th\u01b0\u1eddng.<\/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 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m cho r\u1eb1ng \u201ethi\u1ebfu t\u00e0i li\u1ec7u\u201d, h\u00e3y y\u00eau c\u1ea7u cung c\u1ea5p danh s\u00e1ch chi ti\u1ebft c\u00e1c t\u00e0i li\u1ec7u c\u00f2n thi\u1ebfu. Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), th\u01b0\u1eddng c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng r\u1eb1ng vi\u1ec7c thi\u1ebfu t\u00e0i li\u1ec7u c\u00f3 th\u1ec3 l\u00e0m tr\u00ec ho\u00e3n vi\u1ec7c thanh to\u00e1n cho \u0111\u1ebfn khi c\u00e1c t\u00e0i li\u1ec7u \u0111\u00f3 \u0111\u01b0\u1ee3c b\u1ed5 sung \u0111\u1ea7y \u0111\u1ee7.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Khi quy\u1ebft \u0111\u1ecbnh l\u00e0 ti\u00eau c\u1ef1c: c\u00e1c l\u1ef1a ch\u1ecdn ti\u1ebfp theo<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu khi\u1ebfu n\u1ea1i kh\u00f4ng mang l\u1ea1i k\u1ebft qu\u1ea3, \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n \u0111\u00e3 h\u1ebft c\u00e1ch. T\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh hu\u1ed1ng, b\u1ea1n c\u00f3 th\u1ec3 nh\u1edd \u0111\u1ebfn s\u1ef1 tr\u1ee3 gi\u00fap c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 xem x\u00e9t kh\u1ea3 n\u0103ng kh\u1edfi ki\u1ec7n. Tr\u01b0\u1edbc khi l\u00e0m \u0111i\u1ec1u \u0111\u00f3, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00e0i li\u1ec7u: \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb thanh to\u00e1n, h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 th\u01b0 t\u1eeb trao \u0111\u1ed5i c\u1ee7a b\u1ea1n.<\/p>\n<p>Trong th\u1ef1c t\u1ebf, c\u0169ng n\u00ean ki\u1ec3m tra xem v\u1ea5n \u0111\u1ec1 c\u00f3 ph\u1ea3i do l\u1ef1a ch\u1ecdn sai lo\u1ea1i b\u1ea3o hi\u1ec3m hay kh\u00f4ng. N\u1ebfu b\u1ea1n th\u01b0\u1eddng xuy\u00ean \u0111i du l\u1ecbch ho\u1eb7c thay \u0111\u1ed5i t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa, th\u00f4ng tin v\u1ec1 nh\u1eefng thay \u0111\u1ed5i trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 h\u1eefu \u00edch, v\u00ed d\u1ee5 nh\u01b0:. <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/thu-tuc-va-ho-so\/thay-doi-chinh-sach-truoc-khi-nhap-canh-huong-dan-tung-buoc\/\">thay \u0111\u1ed5i ch\u00ednh s\u00e1ch tr\u01b0\u1edbc khi nh\u1eadp c\u1ea3nh<\/a>. B\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p s\u1ebd gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00e1i di\u1ec5n t\u00ecnh tr\u1ea1ng \u201ekh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m\u201d trong t\u01b0\u01a1ng lai.<\/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>Y\u00eau c\u1ea7u xem x\u00e9t l\u1ea1i:<\/strong> khi c\u00f3 t\u00e0i li\u1ec7u m\u1edbi ho\u1eb7c b\u00e1c s\u0129 x\u00e1c \u0111\u1ecbnh ch\u1ea9n \u0111o\u00e1n ch\u00ednh x\u00e1c h\u01a1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ng\u01b0\u1eddi ph\u00e1t ng\u00f4n v\u1ec1 t\u00e0i ch\u00ednh:<\/strong> kh\u1ea3 n\u0103ng h\u1ed7 tr\u1ee3 trong tranh ch\u1ea5p v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m (trong c\u00e1c v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn kh\u00e1ch h\u00e0ng tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh).<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u00f2a gi\u1ea3i ho\u1eb7c t\u00f2a \u00e1n:<\/strong> khi tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn s\u1ed1 ti\u1ec1n \u0111\u00e1ng k\u1ec3 v\u00e0 b\u1ea1n c\u00f3 nh\u1eefng l\u00fd l\u1ebd m\u1ea1nh m\u1ebd t\u1eeb OWU.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u00e2n t\u00edch ch\u00ednh s\u00e1ch m\u1edbi:<\/strong> N\u1ebfu t\u1eeb ch\u1ed1i l\u00e0 do c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7, h\u00e3y xem x\u00e9t l\u1ef1a ch\u1ecdn c\u00f3 ph\u1ea1m vi r\u1ed9ng h\u01a1n cho l\u1ea7n mua h\u00e0ng ti\u1ebfp theo.<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u00f3m t\u1eaft v\u00e0 danh s\u00e1ch ki\u1ec3m tra c\u00e1c ho\u1ea1t \u0111\u1ed9ng<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi <strong>b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong> kh\u00f4ng bao g\u1ed3m <strong>\u0111i\u1ec1u tr\u1ecb<\/strong>, c\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng l\u00e0: ph\u1ea3n \u1ee9ng nhanh ch\u00f3ng, b\u1ed9 h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 tu\u00e2n th\u1ee7 quy tr\u00ecnh theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p t\u1eeb ch\u1ed1i kh\u00f4ng ph\u1ea3i l\u00e0 \u201ekh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m\u201d, m\u00e0 l\u00e0 v\u1ea5n \u0111\u1ec1 th\u1ee7 t\u1ee5c: thi\u1ebfu ch\u1ea9n \u0111o\u00e1n tr\u00ean h\u1ed3 s\u01a1, thi\u1ebfu x\u00e1c nh\u1eadn thanh to\u00e1n ho\u1eb7c thi\u1ebfu li\u00ean l\u1ea1c v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u. Tuy nhi\u00ean, n\u1ebfu quy\u1ebft \u0111\u1ecbnh xu\u1ea5t ph\u00e1t t\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb ho\u1eb7c gi\u1edbi h\u1ea1n, b\u1ea1n n\u00ean n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec3m c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) v\u00e0 sau \u0111\u00f3 m\u1edbi n\u00e2ng c\u1ea5p v\u1ee5 vi\u1ec7c.<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u01b0\u01a1ng t\u1ef1 trong t\u01b0\u01a1ng lai, h\u00e3y so s\u00e1nh c\u00e1c bi\u1ebfn th\u1ec3 v\u00e0 ph\u1ea1m vi c\u1ee7a c\u00e1c ch\u00ednh s\u00e1ch trong ph\u1ea7n <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/\">C\u00e1c lo\u1ea1i v\u00e0 so s\u00e1nh c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m<\/a>. V\u00e0 khi b\u1ea1n c\u1ea7n tr\u1ee3 gi\u00fap trong vi\u1ec7c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan, h\u00e3y xem c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tr\u00ean trang web <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/bao-hiem-re-nhat-cho-nguoi-nuoc-ngoai-de-xin-visa-va-the-cu-tru-truc-tuyen\/\">b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/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>1. Y\u00eau c\u1ea7u quy\u1ebft \u0111\u1ecbnh b\u1eb1ng v\u0103n b\u1ea3n:<\/strong> v\u1edbi l\u00fd do v\u00e0 c\u01a1 s\u1edf ph\u00e1p l\u00fd.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>2. Thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u:<\/strong> ch\u1ea9n \u0111o\u00e1n, h\u1ed3 s\u01a1 y t\u1ebf, h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb thanh to\u00e1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>3. Ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung:<\/strong> ph\u1ea1m vi, lo\u1ea1i tr\u1eeb, gi\u1edbi h\u1ea1n, th\u1eddi h\u1ea1n \u0111\u0103ng k\u00fd.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>4. \u0110\u1ec7 tr\u00ecnh khi\u1ebfu n\u1ea1i:<\/strong> theo th\u1ef1c t\u1ebf, v\u1edbi tham chi\u1ebfu \u0111\u1ebfn OWU v\u00e0 c\u00e1c ph\u1ee5 l\u1ee5c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>5. N\u00e2ng c\u1ea5p:<\/strong> Khi c\u1ea7n thi\u1ebft, h\u00e3y s\u1eed d\u1ee5ng s\u1ef1 tr\u1ee3 gi\u00fap c\u1ee7a Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n t\u00e0i ch\u00ednh ho\u1eb7c con \u0111\u01b0\u1eddng ph\u00e1p l\u00fd.<\/span><\/li>\n<\/ul><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>Khi b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00f3 th\u1ec3 x\u1ea3y ra v\u00e0o th\u1eddi \u0111i\u1ec3m t\u1ed3i t\u1ec7 nh\u1ea5t: sau khi th\u0103m kh\u00e1m b\u00e1c s\u0129, sau khi l\u00e0m c\u00e1c x\u00e9t nghi\u1ec7m ho\u1eb7c\u2026<\/p>","protected":false},"author":2,"featured_media":3733,"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":[47,49,54,64,63],"class_list":["post-3734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-poradnik-pacjenta-i-faq","tag-koszty-leczenia-cudzoziemcow","tag-owu","tag-polisa-zdrowotna","tag-reklamacja-ubezpieczeniowa","tag-ubezpieczenie-zdrowotne"],"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 a brak pokrycia leczenia \u2013 co robi\u0107 - Ubezpieczenie Cudzoziemca<\/title>\n<meta name=\"description\" content=\"Ubezpieczenie zdrowotne nie pokrywa leczenia? 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