{"id":3894,"date":"2026-07-21T06:39:51","date_gmt":"2026-07-21T04:39:51","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/nieskategoryzowane\/minimalna-suma-ubezpieczenia-do-wizy-ile-wynosi\/"},"modified":"2026-09-11T17:48:47","modified_gmt":"2026-09-11T15:48:47","slug":"so-tien-bao-hiem-toi-thieu-de-xin-thi-thuc-la-bao-nhieu","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/wymogi-i-przepisy\/minimalna-suma-ubezpieczenia-do-wizy-ile-wynosi\/","title":{"rendered":"S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c \u2013 l\u00e0 bao nhi\u00eau?"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c<\/strong> \u0110\u00e2y l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ea3m b\u1ea3o khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c. Tr\u00ean th\u1ef1c t\u1ebf, m\u1ee9c n\u00e0y t\u01b0\u01a1ng \u1ee9ng v\u1edbi gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng. \u0110\u1ed1i v\u1edbi nhi\u1ec1u \u0111\u01a1n xin th\u1ecb th\u1ef1c, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c \u0111\u01a1n li\u00ean quan \u0111\u1ebfn khu v\u1ef1c Schengen, vi\u1ec7c \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u 30.000 euro l\u00e0 r\u1ea5t quan tr\u1ecdng. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u ph\u1ea3i l\u00e0 bao nhi\u00eau, s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 c\u00e1ch ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho visa m\u00e0 kh\u00f4ng lo b\u1ecb t\u1eeb ch\u1ed1i h\u1ed3 s\u01a1.<\/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-minimalna-suma\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau?<\/a><\/li>\n<li><a href=\"#ile-musi-wynosic-polisa\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau?<\/a><\/li>\n<li><a href=\"#co-powinna-obejmowac-polis\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m nh\u1eefng g\u00ec?<\/a><\/li>\n<li><a href=\"#jak-wybrac-ubezpieczenie\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c?<\/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-minimalna-suma\" class=\"kt-adv-heading\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m th\u1ea5p nh\u1ea5t \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn, \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. V\u1ea5n \u0111\u1ec1 kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf vi\u1ec7c c\u00f3 b\u1ea3o hi\u1ec3m hay kh\u00f4ng, m\u00e0 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c t\u00e0i li\u1ec7u \u0111\u00f3 c\u00f3 \u0111\u1ea3m b\u1ea3o m\u1ee9c chi tr\u1ea3 chi ph\u00ed \u0111\u1ee7 cao hay kh\u00f4ng. \u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen, th\u00f4ng th\u01b0\u1eddng y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 c\u00f3 m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 30.000 euro.<\/p>\n<p>\u0110i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng v\u00ec chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, nh\u1eadp vi\u1ec7n ho\u1eb7c v\u1eadn chuy\u1ec3n y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u1edf n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 r\u1ea5t t\u1ed1n k\u00e9m. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. N\u1ebfu h\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m trong h\u1ee3p \u0111\u1ed3ng qu\u00e1 th\u1ea5p, c\u01a1 quan ch\u1ee9c n\u0103ng ho\u1eb7c l\u00e3nh s\u1ef1 qu\u00e1n c\u00f3 th\u1ec3 coi \u0111\u00f3 l\u00e0 kh\u00f4ng \u0111\u1ee7. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean ki\u1ec3m tra kh\u00f4ng ch\u1ec9 gi\u00e1 c\u1ea3 m\u00e0 c\u00f2n c\u1ea3 ph\u1ea1m vi v\u00e0 m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u00eam th\u00f4ng tin th\u1ef1c t\u1ebf v\u1ec1 chi ph\u00ed trong t\u00e0i li\u1ec7u n\u00e0y <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>.<\/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\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c ch\u1ec9 l\u00e0 m\u1ed9t \u0111i\u1ec1u ki\u1ec7n h\u00ecnh th\u1ee9c. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t kh\u00f4ng ch\u1ec9 c\u1ea7n \u0111\u00e1p \u1ee9ng m\u1ee9c t\u1ed1i thi\u1ec3u m\u00e0 c\u00f2n ph\u1ea3i th\u1ef1c s\u1ef1 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u1ecfi c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 v\u1eadn chuy\u1ec3n cao.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"ile-musi-wynosic-polisa\" class=\"kt-adv-heading\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e2u tr\u1ea3 l\u1eddi l\u00e0: \u0111i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i th\u1ecb th\u1ef1c v\u00e0 c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng qu\u1ed1c gia, nh\u01b0ng \u0111\u1ed1i v\u1edbi khu v\u1ef1c Schengen, m\u1ee9c b\u1ea3o l\u00e3nh ti\u00eau chu\u1ea9n t\u1ed1i thi\u1ec3u l\u00e0 30.000 euro. M\u1ee9c b\u1ea3o hi\u1ec3m n\u00e0y th\u01b0\u1eddng \u00e1p d\u1ee5ng cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb do b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd. Tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng cung c\u1ea5p c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n, v\u00ed d\u1ee5 nh\u01b0 40.000, 60.000 ho\u1eb7c nhi\u1ec1u h\u01a1n euro.<\/p>\n<p>N\u1ebfu b\u1ea1n th\u1eafc m\u1eafc m\u1ee9c b\u1ea3o hi\u1ec3m ph\u1ea3i l\u00e0 bao nhi\u00eau, c\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng m\u1ee9c b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ec3 xin th\u1ecb th\u1ef1c ph\u1ea3i \u0111\u00e1p \u1ee9ng m\u1ee9c t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh, nh\u01b0ng m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n th\u01b0\u1eddng mang l\u1ea1i bi\u00ean \u0111\u1ed9 an to\u00e0n t\u1ed1t h\u01a1n. Trong danh m\u1ee5c s\u1ea3n ph\u1ea9m, c\u00f3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m Schengen v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m 30.000 euro v\u00e0 60.000 euro. Ngo\u00e0i ra, c\u00f2n c\u00f3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch v\u1edbi m\u1ee9c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cao h\u01a1n n\u1eefa. Trong tr\u01b0\u1eddng h\u1ee3p l\u01b0u tr\u00fa d\u00e0i ng\u00e0y ho\u1eb7c c\u00f3 nguy c\u01a1 s\u1ee9c kh\u1ecfe cao h\u01a1n, vi\u1ec7c l\u1ef1a ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m r\u1ed9ng h\u01a1n so v\u1edbi m\u1ee9c t\u1ed1i thi\u1ec3u c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t quy\u1ebft \u0111\u1ecbnh h\u1ee3p l\u00fd.<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n so s\u00e1nh c\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c nhau, b\u00e0i vi\u1ebft n\u00e0y c\u0169ng s\u1ebd r\u1ea5t h\u1eefu \u00edch <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 visa tr\u1ef1c tuy\u1ebfn<\/a>, n\u01a1i c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ed1i quan h\u1ec7 gi\u1eefa gi\u00e1 c\u1ea3 v\u00e0 ph\u1ea1m vi m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"co-powinna-obejmowac-polis\" class=\"kt-adv-heading\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m nh\u1eefng g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ch\u1ec9 ri\u00eang m\u1ee9c b\u1ea3o hi\u1ec3m th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7. B\u1ea3o hi\u1ec3m \u0111i k\u00e8m th\u1ecb th\u1ef1c c\u1ea7n bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, nh\u1eadp vi\u1ec7n, ch\u0103m s\u00f3c ngo\u1ea1i tr\u00fa c\u0169ng nh\u01b0 v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng. Trong th\u1ef1c t\u1ebf, c\u0169ng c\u00f3 nh\u1eefng gi\u1edbi h\u1ea1n \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 nha khoa kh\u1ea9n c\u1ea5p v\u00e0 v\u1eadn chuy\u1ec3n thi th\u1ec3. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c, v\u00ec c\u01a1 quan ch\u1ee9c n\u0103ng kh\u00f4ng ch\u1ec9 \u0111\u00e1nh gi\u00e1 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n xem x\u00e9t t\u00ednh h\u1eefu \u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1 y t\u1ebf th\u1ef1c t\u1ebf.<\/p>\n<p>C\u1ea7n l\u01b0u \u00fd r\u1eb1ng m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a c\u1ee7a b\u1ea3o hi\u1ec3m Schengen th\u01b0\u1eddng ch\u1ec9 \u00e1p d\u1ee5ng cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf, ch\u1ee9 kh\u00f4ng bao g\u1ed3m t\u1ed5ng h\u1ee3p t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n ph\u1ee5 tr\u1ee3. C\u00e1c h\u1ea1ng m\u1ee5c b\u1ed5 sung nh\u01b0 b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW), b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) hay b\u1ea3o hi\u1ec3m h\u00e0nh l\u00fd c\u00f3 th\u1ec3 h\u1eefu \u00edch, nh\u01b0ng kh\u00f4ng th\u1ec3 thay th\u1ebf cho y\u00eau c\u1ea7u c\u01a1 b\u1ea3n v\u1ec1 th\u1ecb th\u1ef1c. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u01a1 quan c\u1ea5p th\u1ecb th\u1ef1c l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb li\u00ean quan \u0111\u1ebfn th\u1ecb th\u1ef1c v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i khu v\u1ef1c t\u01b0\u01a1ng \u1ee9ng trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 khai b\u00e1o.<\/p>\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>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb:<\/strong> kh\u00e1m b\u1ec7nh, l\u00e0m c\u00e1c x\u00e9t nghi\u1ec7m, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa v\u00e0 n\u1ed9i tr\u00fa.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>V\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u00e0 v\u00e0 v v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v<\/strong> v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf ho\u1eb7c gi\u1eefa c\u00e1c c\u01a1 s\u1edf y t\u1ebf.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ed3i h\u01b0\u01a1ng:<\/strong> t\u1ed5 ch\u1ee9c v\u00e0 chi tr\u1ea3 chi ph\u00ed h\u1ed3i h\u01b0\u01a1ng v\u00ec l\u00fd do s\u1ee9c kh\u1ecfe.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi l\u00e3nh th\u1ed5:<\/strong> b\u1ea3o v\u1ec7 trong ph\u1ea1m vi \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh b\u1edfi th\u1ecb th\u1ef1c, v\u00ed d\u1ee5 nh\u01b0 trong 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 b\u1ea3o v\u1ec7:<\/strong> H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian \u0111i l\u1ea1i ho\u1eb7c l\u01b0u tr\u00fa \u0111\u00e3 khai b\u00e1o.<\/span><\/li>\n<\/ul>\n<\/div>\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\">Sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 ch\u1ecdn m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m gi\u00e1 r\u1ebb v\u1edbi m\u1ee9c b\u1ed3i th\u01b0\u1eddng ph\u00f9 h\u1ee3p, nh\u01b0ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m qu\u00e1 h\u1eb9p. L\u00e3nh s\u1ef1 qu\u00e1n c\u00f3 th\u1ec3 l\u01b0u \u00fd \u0111\u1ebfn vi\u1ec7c thi\u1ebfu chi ph\u00ed v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c ph\u1ea1m vi \u00e1p d\u1ee5ng kh\u00f4ng ph\u00f9 h\u1ee3p.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-wybrac-ubezpieczenie\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u c\u1ee7a l\u00e3nh s\u1ef1 qu\u00e1n ho\u1eb7c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n. Sau \u0111\u00f3, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u theo y\u00eau c\u1ea7u c\u1ee7a th\u1ecb th\u1ef1c, ph\u1ea1m vi l\u00e3nh th\u1ed5 ph\u00f9 h\u1ee3p v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn. M\u1ed9t th\u00f3i quen t\u1ed1t l\u00e0 n\u00ean ch\u1ecdn gi\u1ea5y t\u1edd \u0111\u01b0\u1ee3c in r\u00f5 r\u00e0ng, ghi r\u00f5 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m b\u1eb1ng euro ho\u1eb7c gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u0111\u01b0\u01a1ng, c\u00f9ng v\u1edbi ph\u1ea1m vi quy\u1ec1n l\u1ee3i. \u0110i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u1ea3i tr\u1ea3 l\u1eddi th\u00eam c\u00e1c c\u00e2u h\u1ecfi khi n\u1ed9p \u0111\u01a1n.<\/p>\n<p>Khi l\u1ef1a ch\u1ecdn, b\u1ea1n c\u0169ng n\u00ean so s\u00e1nh xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 \u00e1p d\u1ee5ng cho Ba Lan hay cho to\u00e0n b\u1ed9 khu v\u1ef1c Schengen. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 th\u1ee7 t\u1ee5c, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 t\u00e0i li\u1ec7u n\u00e0y ph\u1ea3i bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen. C\u00e1c c\u1ea9m nang h\u01b0\u1edbng d\u1eabn v\u1ec1 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, ch\u1eb3ng h\u1ea1n 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> v\u00e0 <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/bao-hiem-y-te-re-nhat-cho-the-cu-tru-bao-hiem-cho-nguoi-nuoc-ngoai\/\">b\u1ea3o hi\u1ec3m y t\u1ebf cho th\u1ebb c\u01b0 tr\u00fa<\/a>. Ch\u00fang gi\u00fap hi\u1ec3u r\u00f5 h\u01a1n nh\u1eefng th\u00f4ng tin n\u00e0o c\u1ea7n ph\u1ea3i c\u00f3 trong t\u00e0i li\u1ec7u.<\/p>\n<p>N\u1ebfu b\u1ea1n c\u00f2n b\u0103n kho\u0103n, h\u00e3y ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n m\u1ee9c t\u1ed1i thi\u1ec3u. S\u1ef1 ch\u00eanh l\u1ec7ch v\u1ec1 ph\u00ed b\u1ea3o hi\u1ec3m th\u01b0\u1eddng kh\u00f4ng \u0111\u00e1ng k\u1ec3, trong khi m\u1ee9c b\u1ed3i th\u01b0\u1eddng cao h\u01a1n c\u00f3 th\u1ec3 gi\u00fap b\u1ea3o \u0111\u1ea3m t\u1ed1t h\u01a1n cho c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u1ef1c t\u1ebf. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi chuy\u1ebfn \u0111i k\u00e9o d\u00e0i, \u0111i qua nhi\u1ec1u qu\u1ed1c gia ho\u1eb7c li\u00ean quan \u0111\u1ebfn ng\u01b0\u1eddi cao tu\u1ed5i.<\/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>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>M\u1ee9c t\u1ed1i thi\u1ec3u th\u01b0\u1eddng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u l\u00e0 30.000 euro. S\u1ed1 ti\u1ec1n n\u00e0y th\u01b0\u1eddng d\u00f9ng \u0111\u1ec3 chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p li\u00ean quan \u0111\u1ebfn b\u1ec7nh t\u1eadt \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n. Tuy nhi\u00ean, b\u1ea1n n\u00ean lu\u00f4n ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh c\u1ee7a l\u00e3nh s\u1ef1 qu\u00e1n c\u1ee5 th\u1ec3.<\/p>\n<h3>Gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u1ec3 xin th\u1ecb th\u1ef1c ph\u1ea3i l\u00e0 bao nhi\u00eau th\u00ec m\u1edbi \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn?<\/h3>\n<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng v\u1ec1 m\u1ee9c b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. Ch\u1ec9 ri\u00eang m\u1ee9c b\u1ea3o hi\u1ec3m th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7 n\u1ebfu h\u1ee3p \u0111\u1ed3ng kh\u00f4ng bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ho\u1eb7c kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i khu v\u1ef1c t\u01b0\u01a1ng \u1ee9ng. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n ki\u1ec3m tra k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u1ea7y \u0111\u1ee7.<\/p>\n<h3>B\u1ea3o hi\u1ec3m Schengen v\u1edbi m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a 30.000 euro c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ee7 kh\u00f4ng?<\/h3>\n<p>V\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c th\u00ec th\u01b0\u1eddng l\u00e0 nh\u01b0 v\u1eady, nh\u01b0ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t. Trong tr\u01b0\u1eddng h\u1ee3p l\u01b0u tr\u00fa d\u00e0i ng\u00e0y ho\u1eb7c c\u00f3 r\u1ee7i ro s\u1ee9c kh\u1ecfe cao h\u01a1n, t\u1ed1t h\u01a1n h\u1ebft l\u00e0 n\u00ean c\u00e2n nh\u1eafc m\u1ee9c b\u1ea3o hi\u1ec3m 40.000 ho\u1eb7c 60.000 euro. M\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n \u0111\u1ed3ng ngh\u0129a v\u1edbi s\u1ef1 an to\u00e0n t\u00e0i ch\u00ednh l\u1edbn h\u01a1n.<\/p>\n<h3>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m n\u00ean chi tr\u1ea3 nh\u1eefng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u00e0o li\u00ean quan \u0111\u1ebfn vi\u1ec7c xin th\u1ecb th\u1ef1c?<\/h3>\n<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, n\u1eb1m vi\u1ec7n, c\u00e1c x\u00e9t nghi\u1ec7m c\u0169ng nh\u01b0 v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng. Th\u00f4ng th\u01b0\u1eddng, h\u1ee3p \u0111\u1ed3ng n\u00e0y c\u0169ng bao g\u1ed3m d\u1ecbch v\u1ee5 nha khoa c\u1ea5p c\u1ee9u. Ch\u00ednh nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y l\u00e0 ch\u00eca kh\u00f3a quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c.<\/p>\n<h3>B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ec3 xin th\u1ecb th\u1ef1c c\u00f3 ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean to\u00e0n khu v\u1ef1c Schengen kh\u00f4ng?<\/h3>\n<p>N\u1ebfu b\u1ea1n \u0111ang xin th\u1ecb th\u1ef1c Schengen, ph\u1ea1m vi b\u1ea3o h\u1ed9 th\u01b0\u1eddng \u00e1p d\u1ee5ng tr\u00ean to\u00e0n b\u1ed9 khu v\u1ef1c Schengen. Trong c\u00e1c th\u1ee7 t\u1ee5c kh\u00e1c, ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u00f3 th\u1ec3 kh\u00e1c nhau. B\u1ea1n n\u00ean \u0111\u1ed1i chi\u1ebfu t\u00e0i li\u1ec7u v\u1edbi m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i v\u00e0 n\u1ed9i dung \u0111\u01a1n xin.<\/p>\n<h3>C\u00f3 th\u1ec3 mua g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t \u0111\u1ec3 xin th\u1ecb th\u1ef1c kh\u00f4ng?<\/h3>\n<p>C\u00f3 th\u1ec3, nh\u01b0ng ch\u1ec9 khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00f3 \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c. C\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m qu\u00e1 r\u1ebb th\u01b0\u1eddng c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1ea1n ch\u1ebf ho\u1eb7c c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00f4ng r\u00f5 r\u00e0ng. Tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean ki\u1ec3m tra k\u1ef9 <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 visa r\u1ebb nh\u1ea5t<\/a> v\u00e0 so s\u00e1nh kh\u00f4ng ch\u1ec9 gi\u00e1 c\u1ea3 m\u00e0 c\u00f2n c\u1ea3 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/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>M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c th\u01b0\u1eddng l\u00e0 30.000 euro, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen. Tuy nhi\u00ean, \u0111\u00e2y ch\u1ec9 l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u, b\u1edfi v\u00ec ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c v\u00e0 ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m. N\u1ebfu b\u1ea1n mu\u1ed1n tr\u00e1nh c\u00e1c r\u1eafc r\u1ed1i v\u1ec1 th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd, h\u00e3y ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m n\u00eau r\u00f5 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, v\u1eadn chuy\u1ec3n y t\u1ebf v\u00e0 h\u1ed3i h\u01b0\u01a1ng. Tr\u01b0\u1edbc khi mua, h\u00e3y so s\u00e1nh c\u00e1c l\u1ef1a ch\u1ecdn v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c c\u1ee7a b\u1ea1n. M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p kh\u00f4ng ch\u1ec9 l\u00e0 th\u1ee7 t\u1ee5c h\u00ecnh th\u1ee9c, m\u00e0 c\u00f2n l\u00e0 s\u1ef1 b\u1ea3o v\u1ec7 th\u1ef1c s\u1ef1 trong su\u1ed1t chuy\u1ebfn \u0111i v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ea3m b\u1ea3o khi n\u1ed9p h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0\u2026<\/p>","protected":false},"author":2,"featured_media":3893,"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":[47,46,61,50,65],"class_list":["post-3894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wymogi-i-przepisy","tag-koszty-leczenia-cudzoziemcow","tag-ubezpieczenie-do-wizy","tag-ubezpieczenie-podrozne","tag-wiza-schengen","tag-zakres-ochrony"],"acf":[],"yoast_head":"<!-- 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