{"id":3866,"date":"2026-06-25T13:34:00","date_gmt":"2026-06-25T11:34:00","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/nieskategoryzowane\/ubezpieczenie-do-wizy-schengen-2026-wymogi\/"},"modified":"2026-09-29T20:35:49","modified_gmt":"2026-09-29T18:35:49","slug":"yeu-cau-ve-bao-hiem-cho-thi-thuc-schengen-nam-2026","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/wymogi-i-przepisy\/ubezpieczenie-do-wizy-schengen-2026-wymogi\/","title":{"rendered":"B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen n\u0103m 2026 \u2013 c\u00e1c y\u00eau c\u1ea7u"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Th\u1ebb b\u1ea3o hi\u1ec3m Schengen<\/strong> \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c khi xin th\u1ecb th\u1ef1c Schengen, nh\u1eb1m chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb kh\u1ea9n c\u1ea5p v\u00e0 h\u1ed7 tr\u1ee3 y t\u1ebf trong th\u1eddi gian l\u01b0u tr\u00fa. Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen n\u0103m 2026 c\u1ea7n ph\u1ea3i bao ph\u1ee7 to\u00e0n b\u1ed9 th\u1eddi gian d\u1ef1 ki\u1ebfn c\u1ee7a chuy\u1ebfn \u0111i, c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i khu v\u1ef1c t\u01b0\u01a1ng \u1ee9ng v\u00e0 \u0111\u00e1p \u1ee9ng m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1c y\u00eau c\u1ea7u c\u01a1 b\u1ea3n \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen, lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb th\u1ef1c n\u00e0y v\u00e0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"M\u1ee5c l\u1ee5c\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">M\u1ee5c l\u1ee5c<\/h4>\n<ol>\n<li><a href=\"#czym-jest-ubezpieczenie-schengen\">B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen 2026 l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jakie-wymogi-musi-spelniac-polis\u0430\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u00e1p \u1ee9ng nh\u1eefng y\u00eau c\u1ea7u n\u00e0o?<\/a><\/li>\n<li><a href=\"#jaki-zakres-ochrony-wybrac\">N\u00ean ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0o?<\/a><\/li>\n<li><a href=\"#jak-kupic-polis\u0435-bez-bledu\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng m\u1eafc sai l\u1ea7m?<\/a><\/li>\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<li><a href=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-ubezpieczenie-schengen\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen 2026 l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen 2026 l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c ng\u1eafn h\u1ea1n. M\u1ee5c \u0111\u00edch c\u1ee7a b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0 \u0111\u1ec3 x\u00e1c nh\u1eadn r\u1eb1ng trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb s\u1ebd kh\u00f4ng do n\u01b0\u1edbc s\u1edf t\u1ea1i chi tr\u1ea3. Lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m trong b\u1ed9 h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea3o hi\u1ec3m y t\u1ebf Schengen n\u00ean bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u1ea5p c\u1ee9u y t\u1ebf c\u0169ng nh\u01b0 c\u00e1c d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng. Trong c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3, ng\u01b0\u1eddi ta th\u01b0\u1eddng g\u1eb7p c\u00e1c l\u1ef1a ch\u1ecdn v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m l\u00e0 30.000 euro ho\u1eb7c 60.000 euro. \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n, m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u 30.000 euro ch\u00ednh l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u.<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, b\u1ea1n c\u0169ng n\u00ean tham kh\u1ea3o c\u1ea9m nang v\u1ec1 <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 th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a>, n\u01a1i n\u00eau r\u00f5 nh\u1eefng \u0111i\u1ec3m kh\u00e1c bi\u1ec7t c\u01a1 b\u1ea3n gi\u1eefa c\u00e1c g\u00f3i d\u1ecbch v\u1ee5.<\/p>\n<\/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\">Khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c, h\u00e3y ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00eau r\u00f5 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi \u00e1p d\u1ee5ng. T\u00e0i li\u1ec7u kh\u00f4ng r\u00f5 r\u00e0ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1eb7t th\u00eam c\u00e2u h\u1ecfi.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-wymogi-musi-spelniac-polisa\" class=\"kt-adv-heading\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u00e1p \u1ee9ng nh\u1eefng y\u00eau c\u1ea7u n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e1c y\u00eau c\u1ea7u quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen li\u00ean quan \u0111\u1ebfn ph\u1ea1m vi, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o hi\u1ec3m. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f2n hi\u1ec7u l\u1ef1c trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 khai b\u00e1o v\u00e0 bao g\u1ed3m c\u00e1c qu\u1ed1c gia m\u00e0 ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n d\u1ef1 \u0111\u1ecbnh \u0111\u1ebfn. \u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen ti\u00eau chu\u1ea9n, b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean to\u00e0n khu v\u1ef1c Schengen.<\/p>\n<p>M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u c\u0169ng c\u00f3 \u00fd ngh\u0129a then ch\u1ed1t. Tr\u00ean th\u1ef1c t\u1ebf, ng\u01b0\u1eddi ta th\u01b0\u1eddng cho r\u1eb1ng m\u1ee9c n\u00e0y n\u00ean \u00edt nh\u1ea5t l\u00e0 30.000 euro \u0111\u1ec3 chi tr\u1ea3 cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf li\u00ean quan. Trong c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng, c\u0169ng c\u00f3 nh\u1eefng g\u00f3i c\u00f3 m\u1ee9c gi\u1edbi h\u1ea1n cao h\u01a1n, v\u00ed d\u1ee5 nh\u01b0 60.000 euro, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 mang l\u1ea1i bi\u00ean \u0111\u1ed9 an to\u00e0n l\u1edbn h\u01a1n.<\/p>\n<p>T\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng ph\u1ea3i r\u00f5 r\u00e0ng v\u00e0 c\u00f3 th\u1ec3 xu\u1ea5t tr\u00ecnh cho l\u00e3nh s\u1ef1 qu\u00e1n ho\u1eb7c trung t\u00e2m th\u1ecb th\u1ef1c. S\u1ebd t\u1ed1t h\u01a1n n\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m bao g\u1ed3m th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, s\u1ed1 gi\u1ea5y t\u1edd t\u00f9y th\u00e2n, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 m\u00f4 t\u1ea3 c\u00e1c quy\u1ec1n l\u1ee3i. V\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 th\u1ee7 t\u1ee5c, ph\u1ea7n <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/thu-tuc-va-ho-so\/\">th\u1ee7 t\u1ee5c v\u00e0 h\u1ed3 s\u01a1<\/a>, trong \u0111\u00f3 li\u1ec7t k\u00ea c\u00e1c b\u01b0\u1edbc c\u1ea7n th\u1ef1c hi\u1ec7n.<\/p>\n<h3>C\u00e1c n\u1ed9i dung ch\u00ednh c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h3>\n<\/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>L\u00e3nh th\u1ed5:<\/strong> b\u1ea3o v\u1ec7 tr\u00ean l\u00e3nh th\u1ed5 c\u00e1c n\u01b0\u1edbc thu\u1ed9c khu v\u1ef1c Schengen.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi gian:<\/strong> th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa \u0111\u01b0\u1ee3c n\u00eau trong \u0111\u01a1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u1ed5ng c\u1ed9ng:<\/strong> \u00edt nh\u1ea5t 30.000 euro.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi:<\/strong> chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u1ee9u h\u1ed9 kh\u1ea9n c\u1ea5p, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u00e0i li\u1ec7u:<\/strong> gi\u1ea5y ch\u1ee9ng nh\u1eadn ho\u1eb7c gi\u1ea5y t\u1edd c\u1ea7n xu\u1ea5t tr\u00ecnh trong th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jaki-zakres-ochrony-wybrac\" class=\"kt-adv-heading\">N\u00ean ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ec9 h\u1ecfi v\u1ec1 c\u00e1c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen, m\u00e0 c\u00f2n th\u1eafc m\u1eafc v\u1ec1 lo\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf n\u00e0o l\u00e0 h\u1ee3p l\u00fd khi xin th\u1ecb th\u1ef1c. M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi m\u1ee9c b\u1ea3o v\u1ec7 t\u1ed1t nh\u1ea5t. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u1ed1m \u0111\u1ed9t ng\u1ed9t, h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf, h\u1ed3i h\u01b0\u01a1ng v\u00e0 h\u1ed7 tr\u1ee3 nha khoa c\u01a1 b\u1ea3n trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p.<\/p>\n<p>Theo th\u00f4ng tin s\u1ea3n ph\u1ea9m, g\u00f3i b\u1ea3o hi\u1ec3m Schengen th\u01b0\u1eddng c\u00f3 hai m\u1ee9c h\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m: 30.000 euro v\u00e0 60.000 euro. N\u1ebfu b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa d\u00e0i ng\u00e0y, \u0111i du l\u1ecbch \u0111\u1ebfn qu\u1ed1c gia c\u00f3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cao h\u01a1n ho\u1eb7c mu\u1ed1n gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u1ea3i chi tr\u1ea3 th\u00eam, m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi vi\u1ec7c \u0111i\u1ec1u tr\u1ecb t\u1ea1i b\u1ec7nh vi\u1ec7n ho\u1eb7c v\u1eadn chuy\u1ec3n y t\u1ebf c\u00f3 th\u1ec3 t\u1ed1n k\u00e9m.<\/p>\n<p>B\u1ea1n c\u0169ng c\u1ea7n \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m. M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 c\u00e1c chi ph\u00ed ch\u01b0a \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o tr\u01b0\u1edbc cho trung t\u00e2m kh\u1ea9n c\u1ea5p, m\u1ed9t s\u1ed1 m\u00f4n th\u1ec3 thao m\u1ea1o hi\u1ec3m ho\u1eb7c c\u00e1c chi ph\u00ed h\u00e0nh ch\u00ednh li\u00ean quan \u0111\u1ebfn vi\u1ec7c gia h\u1ea1n th\u1ecb th\u1ef1c. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u00eam th\u00f4ng tin trong b\u00e0i vi\u1ebft v\u1ec1 <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>, trong \u0111\u00f3 gi\u1ea3i th\u00edch t\u1ea1i sao s\u1ed1 ti\u1ec1n ph\u00f9 h\u1ee3p l\u1ea1i quan tr\u1ecdng.<\/p>\n<\/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 Quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu c\u01a1 quan ch\u1ee9c n\u0103ng y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c, \u0111\u1eebng ch\u1ec9 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t. H\u00e3y ki\u1ec3m tra xem g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 th\u1ef1c s\u1ef1 bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, h\u1ed3i h\u01b0\u01a1ng v\u00e0 to\u00e0n b\u1ed9 th\u1eddi gian chuy\u1ebfn \u0111i hay kh\u00f4ng.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-kupic-polise-bez-bledu\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng m\u1eafc sai l\u1ea7m?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi mua b\u1ea3o hi\u1ec3m du l\u1ecbch Schengen, b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c ki\u1ec3m tra ng\u00e0y \u0111i v\u00e0 qu\u1ed1c gia \u0111\u00edch. Ti\u1ebfp theo, h\u00e3y so s\u00e1nh m\u1ee9c b\u1ea3o hi\u1ec3m, ph\u1ea1m vi quy\u1ec1n l\u1ee3i v\u00e0 h\u00ecnh th\u1ee9c c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn. L\u1ef1a ch\u1ecdn an to\u00e0n nh\u1ea5t l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m m\u00e0 gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u01b0\u1ee3c t\u1ea1o ngay sau khi mua v\u00e0 bao g\u1ed3m \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c.<\/p>\n<p>Tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng t\u00e0i li\u1ec7u n\u00e0y ch\u00ednh x\u00e1c bao g\u1ed3m ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh trong \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 h\u1ecd t\u00ean \u0111\u01b0\u1ee3c ghi ch\u00ednh x\u00e1c nh\u01b0 trong h\u1ed9 chi\u1ebfu. L\u1ed7i trong th\u00f4ng tin, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u00ednh x\u00e1c ho\u1eb7c m\u1ee9c b\u1ea3o hi\u1ec3m qu\u00e1 th\u1ea5p l\u00e0 nh\u1eefng nguy\u00ean nh\u00e2n th\u01b0\u1eddng g\u1eb7p d\u1eabn \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 th\u1ee7 t\u1ee5c. N\u1ebfu c\u1ea7n, h\u00e3y tham kh\u1ea3o th\u00eam h\u01b0\u1edbng d\u1eabn v\u1ec1 <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>.<\/p>\n<p>M\u1ed9t th\u00f3i quen t\u1ed1t l\u00e0 n\u00ean t\u1ea3i xu\u1ed1ng \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 \u0111\u1ecdc k\u1ef9 ph\u1ea7n v\u1ec1 c\u00e1c gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m. H\u00e3y l\u01b0u \u00fd xem c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n c\u00e1c chi ph\u00ed y t\u1ebf l\u1edbn hay kh\u00f4ng. \u0110\u00e2y l\u00e0 m\u1ed9t b\u01b0\u1edbc \u0111\u01a1n gi\u1ea3n nh\u01b0ng c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh vi\u1ec7c b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed sau n\u00e0y hay kh\u00f4ng.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen n\u0103m 2026 c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, tr\u00ean th\u1ef1c t\u1ebf, \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng t\u00e0i li\u1ec7u c\u01a1 b\u1ea3n khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c Schengen. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y nh\u1eb1m x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 b\u1ea3o \u0111\u1ea3m v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 ch\u0103m s\u00f3c y t\u1ebf trong th\u1eddi gian l\u01b0u tr\u00fa.<\/p>\n<h3>M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen l\u00e0 bao nhi\u00eau?<\/h3>\n<p>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u th\u01b0\u1eddng l\u00e0 30.000 euro. \u0110\u00e2y l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m \u0111\u1ee7 \u0111\u1ec3 chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u1ea5p c\u1ee9u y t\u1ebf c\u0169ng nh\u01b0 c\u00e1c kho\u1ea3n chi ph\u00ed li\u00ean quan \u0111\u1ebfn v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng.<\/p>\n<h3>B\u1ea3o hi\u1ec3m y t\u1ebf Schengen n\u00ean bao g\u1ed3m nh\u1eefng r\u1ee7i ro n\u00e0o?<\/h3>\n<p>Ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c mong \u0111\u1ee3i nh\u1ea5t th\u01b0\u1eddng bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n b\u1ea5t ng\u1edd, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. Trong nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00f2n c\u00f3 d\u1ecbch v\u1ee5 h\u1ed3i h\u01b0\u01a1ng v\u00e0 h\u1ed7 tr\u1ee3 nha khoa h\u1ea1n ch\u1ebf trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p.<\/p>\n<h3>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, n\u1ebfu \u0111\u01a1n xin l\u00e0 th\u1ecb th\u1ef1c Schengen, b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean l\u00e3nh th\u1ed5 khu v\u1ef1c Schengen. B\u1ea1n n\u00ean ki\u1ec3m tra \u0111i\u1ec1u n\u00e0y trong gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1.<\/p>\n<h3>Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o s\u1ebd ph\u00f9 h\u1ee3p h\u01a1n cho vi\u1ec7c xin th\u1ecb th\u1ef1c: 30.000 hay 60.000 euro?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, 30.000 euro l\u00e0 \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c, nh\u01b0ng m\u1ed9t kho\u1ea3n ti\u1ec1n cao h\u01a1n c\u00f3 th\u1ec3 gi\u00fap b\u1ea3o v\u1ec7 b\u1ea1n t\u1ed1t h\u01a1n tr\u01b0\u1edbc c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u1ef1c t\u1ebf. \u0110\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p h\u1ee3p l\u00fd trong tr\u01b0\u1eddng h\u1ee3p l\u01b0u tr\u00fa d\u00e0i ng\u00e0y ho\u1eb7c du l\u1ecbch \u0111\u1ebfn c\u00e1c qu\u1ed1c gia c\u00f3 chi ph\u00ed ch\u0103m s\u00f3c y t\u1ebf \u0111\u1eaft \u0111\u1ecf.<\/p>\n<h3>Li\u1ec7u g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t c\u00f3 lu\u00f4n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 xin th\u1ecb th\u1ef1c kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. \u0110\u1ec1 xu\u1ea5t r\u1ebb nh\u1ea5t c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c, nh\u01b0ng l\u1ea1i c\u00f3 ph\u1ea1m vi h\u1eb9p h\u01a1n ho\u1eb7c c\u00e1c \u0111i\u1ec1u ki\u1ec7n k\u00e9m thu\u1eadn l\u1ee3i h\u01a1n. Tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean so s\u00e1nh \u0111\u1ec1 xu\u1ea5t \u0111\u00f3 v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c, v\u00ed d\u1ee5 nh\u01b0 nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 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 g\u00f3i b\u1ea3o hi\u1ec3m<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen n\u0103m 2026 tr\u01b0\u1edbc h\u1ebft ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c: bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa, c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean l\u00e3nh th\u1ed5 Schengen v\u00e0 \u0111\u1ea3m b\u1ea3o m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u00edt nh\u1ea5t 30.000 euro. Tuy nhi\u00ean, b\u1ea1n n\u00ean xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng h\u01a1n l\u00e0 ch\u1ec9 t\u1eadp trung v\u00e0o m\u1ee9c t\u1ed1i thi\u1ec3u. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00e0ng d\u1ec5 hi\u1ec3u v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00e0ng t\u1ed1t th\u00ec r\u1ee7i ro g\u1eb7p v\u1ea5n \u0111\u1ec1 khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c v\u00e0 trong su\u1ed1t chuy\u1ebfn \u0111i c\u00e0ng th\u1ea5p. Tr\u01b0\u1edbc khi mua, h\u00e3y so s\u00e1nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n, ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 ch\u1ecdn m\u1ed9t h\u1ee3p \u0111\u1ed3ng v\u1eeba \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c v\u1eeba ti\u1ec7n l\u1ee3i khi s\u1eed d\u1ee5ng.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m Schengen l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c khi xin th\u1ecb th\u1ef1c Schengen, nh\u1eb1m chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb kh\u1ea9n c\u1ea5p v\u00e0 h\u1ed7 tr\u1ee3 y t\u1ebf trong tr\u01b0\u1eddng h\u1ee3p\u2026<\/p>","protected":false},"author":2,"featured_media":3865,"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":[40],"tags":[54,46,61,50,65],"class_list":["post-3866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wymogi-i-przepisy","tag-polisa-zdrowotna","tag-ubezpieczenie-do-wizy","tag-ubezpieczenie-podrozne","tag-wiza-schengen","tag-zakres-ochrony"],"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 do wizy Schengen 2026 - wymogi - Ubezpieczenie Cudzoziemca<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jakie wymogi musi spe\u0142nia\u0107 ubezpieczenie do wizy Schengen 2026. 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