{"id":3901,"date":"2026-07-28T06:41:01","date_gmt":"2026-07-28T04:41:01","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/nieskategoryzowane\/ubezpieczenie-na-wize-najczestsze-pytania-i-odpowiedzi\/"},"modified":"2026-09-11T17:53:09","modified_gmt":"2026-09-11T15:53:09","slug":"bao-hiem-thi-thuc-nhung-cau-hoi-thuong-gap-va-cau-tra-loi","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/poradnik-pacjenta-i-faq\/ubezpieczenie-na-wize-najczestsze-pytania-i-odpowiedzi\/","title":{"rendered":"B\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c \u2013 Nh\u1eefng c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u00e0 c\u00e2u tr\u1ea3 l\u1eddi"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>B\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c<\/strong> \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u1eb1m x\u00e1c nh\u1eadn vi\u1ec7c \u0111\u1ea3m b\u1ea3o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan ho\u1eb7c trong khu v\u1ef1c Schengen, t\u00f9y thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i v\u00e0 lo\u1ea1i th\u1ecb th\u1ef1c. \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng t\u00e0i li\u1ec7u c\u01a1 b\u1ea3n c\u1ea7n thi\u1ebft cho \u0111\u01a1n xin th\u1ecb th\u1ef1c ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i \u0111\u00e1p nh\u1eefng th\u1eafc m\u1eafc th\u01b0\u1eddng g\u1eb7p nh\u1ea5t v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf cho th\u1ecb th\u1ef1c, nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 nh\u1eefng \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd \u0111\u1ec3 t\u00e0i li\u1ec7u n\u00e0y \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn.<\/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-na-wize\">B\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jak-dziala-polisado-wizy\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m xin th\u1ecb th\u1ef1c ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n<li><a href=\"#co-sprawdzic-przed-zakupem\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec tr\u01b0\u1edbc khi mua?<\/a><\/li>\n<li><a href=\"#jakie-bledy-zdarzaja-sie-najczesciej\">Nh\u1eefng l\u1ed7i n\u00e0o th\u01b0\u1eddng x\u1ea3y ra nh\u1ea5t?<\/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-na-wize\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n. Tr\u00ean th\u1ef1c t\u1ebf, \u0111\u00e2y l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng, l\u00e3nh s\u1ef1 qu\u00e1n ho\u1eb7c t\u1ec9nh tr\u01b0\u1edfng. T\u00e0i li\u1ec7u n\u00e0y kh\u00f4ng ch\u1ec9 c\u00f3 \u00fd ngh\u0129a v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c. N\u00f3 c\u00f2n gi\u00fap b\u1ea3o v\u1ec7 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u1ecfi nh\u1eefng chi ph\u00ed r\u1ea5t cao li\u00ean quan \u0111\u1ebfn kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m, n\u1eb1m vi\u1ec7n ho\u1eb7c ph\u1eabu thu\u1eadt.<\/p>\n<p>Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn v\u00e0 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. Trong danh m\u1ee5c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, c\u00e1c chi ph\u00ed ch\u1ee7 y\u1ebfu bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, nh\u1eadp vi\u1ec7n, c\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p. M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng \u0111\u1ec3 bao g\u1ed3m b\u1ea3o hi\u1ec3m tai n\u1ea1n, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n ho\u1eb7c b\u1ea3o hi\u1ec3m h\u00e0nh l\u00fd. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, h\u00e3y tham kh\u1ea3o th\u00eam <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-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\">Ch\u1ec9 ri\u00eang t\u00ean c\u1ee7a gi\u1ea5y b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7. C\u01a1 quan ch\u1ee9c n\u0103ng s\u1ebd xem x\u00e9t tr\u01b0\u1edbc h\u1ebft ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c v\u00e0 vi\u1ec7c t\u00e0i li\u1ec7u n\u00e0y c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa hay kh\u00f4ng.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-dziala-polisado-wizy\" class=\"kt-adv-heading\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m xin th\u1ecb th\u1ef1c ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m visa c\u00f3 hi\u1ec7u l\u1ef1c k\u1ec3 t\u1eeb ng\u00e0y \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng v\u00e0 trong th\u1eddi h\u1ea1n quy \u0111\u1ecbnh tr\u00ean v\u0103n b\u1ea3n. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra trong th\u1eddi gian hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 trong ph\u1ea1m vi quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 ho\u1eb7c ho\u00e0n tr\u1ea3 chi ph\u00ed theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Trong nhi\u1ec1u s\u1ea3n ph\u1ea9m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, trung t\u00e2m h\u1ed7 tr\u1ee3 c\u0169ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng, v\u1edbi ch\u1ee9c n\u0103ng h\u01b0\u1edbng d\u1eabn \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf v\u00e0 thanh to\u00e1n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb.<\/p>\n<p>T\u1eeb g\u00f3c \u0111\u1ed9 \u0111\u01a1n xin th\u1ecb th\u1ef1c, c\u00f3 ba y\u1ebfu t\u1ed1 quan tr\u1ecdng: ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi l\u00e3nh th\u1ed5 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Trong c\u00e1c t\u00e0i li\u1ec7u gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m, ng\u01b0\u1eddi ta th\u01b0\u1eddng th\u1ea5y c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c nhau, v\u00ed d\u1ee5 nh\u01b0 t\u1eeb 10.000 \u0111\u1ebfn 50.000 euro cho th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan ho\u1eb7c c\u00e1c m\u1ee9c cao h\u01a1n d\u00e0nh cho c\u00e1c chuy\u1ebfn \u0111i n\u01b0\u1edbc ngo\u00e0i. N\u1ebfu tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n li\u00ean quan \u0111\u1ebfn c\u00e1c th\u1ee7 t\u1ee5c, ph\u1ea7n sau \u0111\u00e2y c\u00f3 th\u1ec3 h\u1eefu \u00edch: <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>, n\u01a1i c\u00f3 th\u1ec3 s\u1eafp x\u1ebfp c\u00e1c b\u01b0\u1edbc c\u1ea7n thi\u1ebft m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n<h3>Th\u00f4ng th\u01b0\u1eddng, m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u01b0 v\u1eady bao g\u1ed3m nh\u1eefng g\u00ec?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 l\u00e0 nh\u1eefng n\u1ed9i dung c\u01a1 b\u1ea3n. Trong nhi\u1ec1u g\u00f3i b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa, ph\u1eabu thu\u1eadt, ch\u1ea9n \u0111o\u00e1n c\u0169ng nh\u01b0 h\u1ed7 tr\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t trong th\u1eddi gian l\u01b0u tr\u00fa. Ngo\u00e0i ra, c\u00f2n c\u00f3 c\u00e1c g\u00f3i m\u1edf r\u1ed9ng bao g\u1ed3m c\u00e1c h\u1eadu qu\u1ea3 do tai n\u1ea1n v\u00e0 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1.<\/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>H\u1ed7 tr\u1ee3:<\/strong> t\u1ed5 ch\u1ee9c c\u00f4ng t\u00e1c c\u1ee9u th\u01b0\u01a1ng v\u00e0 li\u00ean h\u1ec7 v\u1edbi 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>NNW:<\/strong> tr\u1ee3 c\u1ea5p sau tai n\u1ea1n, n\u1ebfu thu\u1ed9c ph\u1ea1m vi \u00e1p d\u1ee5ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u00e1 nh\u00e2n:<\/strong> b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i g\u00e2y ra cho b\u00ean th\u1ee9 ba.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ee5 l\u1ee5c:<\/strong> h\u00e0nh l\u00fd ho\u1eb7c c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung kh\u00e1c t\u00f9y theo g\u00f3i d\u1ecbch v\u1ee5.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"co-sprawdzic-przed-zakupem\" class=\"kt-adv-heading\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec tr\u01b0\u1edbc khi mua?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. Ng\u01b0\u1eddi xin th\u1ecb th\u1ef1c c\u00f3 th\u1ec3 c\u1ea7n m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m kh\u00e1c so v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u1ed9p h\u1ed3 s\u01a1 xin c\u01b0 tr\u00fa t\u1ea1m th\u1eddi. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m khu v\u1ef1c ph\u00f9 h\u1ee3p, c\u00f3 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m th\u00edch h\u1ee3p v\u00e0 \u0111\u01b0\u1ee3c l\u1eadp d\u1ef1a tr\u00ean th\u00f4ng tin c\u00e1 nh\u00e2n tr\u00f9ng kh\u1edbp v\u1edbi h\u1ed9 chi\u1ebfu hay kh\u00f4ng. \u0110\u00e2y l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n m\u00e0 c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng s\u1ebd ki\u1ec3m tra r\u1ea5t k\u1ef9 l\u01b0\u1ee1ng.<\/p>\n<p>B\u1ea1n c\u0169ng n\u00ean \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), v\u00ec trong \u0111\u00f3 c\u00f3 c\u00e1c \u0111\u1ecbnh ngh\u0129a v\u1ec1 b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, b\u1ec7nh m\u00e3n t\u00ednh, c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m c\u0169ng nh\u01b0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c th\u00f4ng b\u00e1o t\u1ed5n th\u1ea5t. M\u1ed9t sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p l\u00e0 mua g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t m\u00e0 kh\u00f4ng ph\u00e2n t\u00edch xem li\u1ec7u n\u00f3 c\u00f3 th\u1ef1c s\u1ef1 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u hay kh\u00f4ng. Vi\u1ec7c so s\u00e1nh v\u1edbi c\u00e1c th\u00f4ng tin tham kh\u1ea3o c\u0169ng c\u00f3 th\u1ec3 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\/\">G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>, nh\u01b0ng gi\u00e1 c\u1ea3 kh\u00f4ng n\u00ean l\u00e0 ti\u00eau ch\u00ed duy nh\u1ea5t.<\/p>\n<h3>Danh s\u00e1ch ki\u1ec3m tra tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m<\/h3>\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>Th\u00f4ng tin c\u00e1 nh\u00e2n:<\/strong> ph\u00f9 h\u1ee3p v\u1edbi th\u00f4ng tin tr\u00ean h\u1ed9 chi\u1ebfu v\u00e0 c\u00e1c ng\u00e0y \u0111i l\u1ea1i.<\/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> ph\u1ea3i bao g\u1ed3m th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c th\u1eddi gian xu\u1ea5t c\u1ea3nh theo quy \u0111\u1ecbnh.<\/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:<\/strong> H\u00e3y ki\u1ec3m tra xem n\u00f3 c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng hay kh\u00f4ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>L\u00e3nh th\u1ed5:<\/strong> Ba Lan, khu v\u1ef1c Schengen ho\u1eb7c khu v\u1ef1c r\u1ed9ng h\u01a1n t\u00f9y theo m\u1ee5c \u0111\u00edch xin th\u1ecb th\u1ef1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n:<\/strong> H\u00e3y \u0111\u1ecdc c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 v\u00e0 quy \u0111\u1ecbnh s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3.<\/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\">G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, vi\u1ec7c tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u h\u00e0nh ch\u00ednh v\u00e0 ph\u1ea1m vi h\u1ed7 tr\u1ee3 y t\u1ebf th\u1ef1c t\u1ebf c\u00f2n quan tr\u1ecdng h\u01a1n gi\u00e1 c\u1ea3.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-bledy-zdarzaja-sie-najczesciej\" class=\"kt-adv-heading\">Nh\u1eefng l\u1ed7i n\u00e0o th\u01b0\u1eddng x\u1ea3y ra nh\u1ea5t?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Nh\u1eefng sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c th\u01b0\u1eddng xu\u1ea5t ph\u00e1t t\u1eeb vi\u1ec7c v\u1ed9i v\u00e0ng. Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i th\u01b0\u1eddng mua b\u1ea3o hi\u1ec3m v\u1edbi ng\u00e0y b\u1eaft \u0111\u1ea7u b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u00ednh x\u00e1c, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m qu\u00e1 ng\u1eafn ho\u1eb7c ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u c\u1ee7a \u0111\u01a1n xin th\u1ecb th\u1ef1c. M\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1c l\u00e0 th\u00f4ng tin \u0111\u01b0\u1ee3c \u0111i\u1ec1n kh\u00f4ng kh\u1edbp v\u1edbi th\u00f4ng tin trong h\u1ed9 chi\u1ebfu. Ngay c\u1ea3 m\u1ed9t l\u1ed7i ch\u00ednh t\u1ea3 nh\u1ecf c\u0169ng c\u00f3 th\u1ec3 l\u00e0m k\u00e9o d\u00e0i th\u1ee7 t\u1ee5c v\u00e0 bu\u1ed9c ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh l\u1ea1i gi\u1ea5y t\u1edd.<\/p>\n<p>M\u1ed9t sai l\u1ea7m ph\u1ed5 bi\u1ebfn kh\u00e1c l\u00e0 kh\u00f4ng ki\u1ec3m tra xem c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o trong th\u1ef1c t\u1ebf. Kh\u00f4ng ph\u1ea3i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o c\u0169ng bao g\u1ed3m c\u00e1c quy\u1ec1n l\u1ee3i gi\u1ed1ng nhau, v\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng y\u00eau c\u1ea7u ph\u1ea3i tr\u1ea3 th\u00eam ph\u00ed. Tr\u01b0\u1edbc khi mua, b\u1ea1n c\u0169ng n\u00ean tham kh\u1ea3o 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>, v\u00ec n\u00f3 minh h\u1ecda r\u00f5 r\u00e0ng l\u00fd do t\u1ea1i sao t\u1ed5ng s\u1ed1 v\u00e0 ph\u1ea1m vi l\u1ea1i c\u00f3 \u00fd ngh\u0129a t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf. N\u1ebfu c\u01a1 quan ch\u1ee9c n\u0103ng y\u00eau c\u1ea7u c\u00e1c t\u00e0i li\u1ec7u b\u1ed5 sung, th\u00ec th\u00f4ng tin 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<h3>Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h3>\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>C\u00e1c ng\u00e0y kh\u00f4ng ch\u00ednh x\u00e1c:<\/strong> H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng bao g\u1ed3m to\u00e0n b\u1ed9 kho\u1ea3ng th\u1eddi gian c\u1ea7n thi\u1ebft.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>D\u1eef li\u1ec7u sai:<\/strong> T\u00ean, h\u1ecd ho\u1eb7c s\u1ed1 h\u1ed9 chi\u1ebfu kh\u00f4ng kh\u1edbp v\u1edbi gi\u1ea5y t\u1edd.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi qu\u00e1 h\u1eb9p:<\/strong> kh\u00f4ng c\u00f3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u00f9 h\u1ee3p ho\u1eb7c thu\u1ed9c ph\u1ea1m vi l\u00e3nh th\u1ed5 kh\u00f4ng \u0111\u00fang.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kh\u00f4ng \u0111\u1ecdc \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung:<\/strong> Kh\u00e1ch h\u00e0ng kh\u00f4ng n\u1eafm r\u00f5 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 v\u00e0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c th\u00f4ng b\u00e1o.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ch\u1ec9 mua d\u1ef1a tr\u00ean gi\u00e1:<\/strong> Vi\u1ec7c ti\u1ebft ki\u1ec7m ch\u1ec9 tr\u00ean danh ngh\u0129a c\u00f3 th\u1ec3 g\u00e2y ra v\u1ea5n \u0111\u1ec1 khi n\u1ed9p \u0111\u01a1n.<\/span><\/li>\n<\/ul>\n<\/div>\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 \u0111\u1ec3 xin th\u1ecb th\u1ef1c c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/h3>\n<p>Trong nhi\u1ec1u th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c v\u00e0 c\u01b0 tr\u00fa, c\u00e2u tr\u1ea3 l\u1eddi l\u00e0 c\u00f3, b\u1edfi v\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 b\u1eb1ng ch\u1ee9ng x\u00e1c nh\u1eadn vi\u1ec7c \u0111\u1ea3m b\u1ea3o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. Y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i th\u1ecb th\u1ef1c, m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh. B\u1ea1n n\u00ean lu\u00f4n ki\u1ec3m tra c\u00e1c h\u01b0\u1edbng d\u1eabn c\u1ee5 th\u1ec3 c\u1ee7a c\u01a1 quan ho\u1eb7c l\u00e3nh s\u1ef1 qu\u00e1n.<\/p>\n<h3>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c c\u1ea7n bao g\u1ed3m nh\u1eefng g\u00ec?<\/h3>\n<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c ph\u1ea3i bao g\u1ed3m th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u00e1p d\u1ee5ng v\u00e0 m\u1ee9c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng c\u0169ng r\u1ea5t quan tr\u1ecdng. T\u1ed1t nh\u1ea5t l\u00e0 n\u00ean so s\u00e1nh c\u00e1c chi ti\u1ebft n\u00e0y v\u1edbi c\u00e1c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/yeu-cau-va-quy-dinh\/\">c\u00e1c y\u00eau c\u1ea7u v\u00e0 quy \u0111\u1ecbnh<\/a>.<\/p>\n<h3>B\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c c\u00f3 gi\u00e1 bao nhi\u00eau?<\/h3>\n<p>Gi\u00e1 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi gian l\u01b0u tr\u00fa, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c t\u00f9y ch\u1ecdn m\u1edf r\u1ed9ng (n\u1ebfu c\u00f3). G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t th\u01b0\u1eddng ch\u1ec9 bao g\u1ed3m ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 th\u1ec3 \u0111\u1ed3ng ngh\u0129a v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m r\u1ed9ng h\u01a1n v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c quy\u1ec1n l\u1ee3i s\u1ebd thu\u1eadn ti\u1ec7n h\u01a1n.<\/p>\n<h3>G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 xin th\u1ecb th\u1ef1c kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng h\u1eb3n v\u1eady. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m gi\u00e1 r\u1ebb c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c ho\u1eb7c c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1ea1n ch\u1ebf. Tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n so s\u00e1nh kh\u00f4ng ch\u1ec9 gi\u00e1 c\u1ea3 m\u00e0 c\u00f2n c\u1ea3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n, ph\u1ea1m vi \u00e1p d\u1ee5ng v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m.<\/p>\n<h3>C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, c\u1ea7n cung c\u1ea5p c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n trong h\u1ed9 chi\u1ebfu, th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn v\u00e0 m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i. \u0110\u00f4i khi c\u0169ng c\u1ea7n cung c\u1ea5p \u0111\u1ecba ch\u1ec9 l\u01b0u tr\u00fa ho\u1eb7c th\u00f4ng tin li\u00ean l\u1ea1c b\u1ed5 sung. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 t\u1ea5t c\u1ea3 c\u00e1c th\u00f4ng tin ph\u1ea3i kh\u1edbp v\u1edbi c\u00e1c t\u00e0i li\u1ec7u n\u1ed9p cho c\u01a1 quan ch\u1ee9c n\u0103ng.<\/p>\n<h3>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c trong t\u01b0\u01a1ng lai kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft tr\u01b0\u1edbc v\u1edbi ng\u00e0y b\u1eaft \u0111\u1ea7u hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u1ea5n \u0111\u1ecbnh v\u00e0o ng\u00e0y d\u1ef1 ki\u1ebfn nh\u1eadp c\u1ea3nh ho\u1eb7c b\u1eaft \u0111\u1ea7u th\u1eddi gian l\u01b0u tr\u00fa. \u0110\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c. Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd \u0111\u1ea3m b\u1ea3o c\u00e1c ng\u00e0y n\u00e0y ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch du l\u1ecbch th\u1ef1c t\u1ebf.<\/p>\n<h3>C\u00f3 th\u1ec3 thay \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m sau khi mua kh\u00f4ng?<\/h3>\n<p>\u0110i\u1ec1u n\u00e0y t\u00f9y thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a t\u1eebng c\u00f4ng ty b\u1ea3o hi\u1ec3m. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh th\u00f4ng tin ho\u1eb7c thay \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c. C\u00e1c quy \u0111\u1ecbnh v\u1ec1 ho\u00e0n ti\u1ec1n ho\u1eb7c h\u1ee7y h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), v\u00e0 b\u1ea1n n\u00ean ki\u1ec3m tra k\u1ef9 nh\u1eefng quy \u0111\u1ecbnh n\u00e0y tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n<h3>B\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c c\u00f3 ch\u1ec9 mang t\u00ednh h\u00ecnh th\u1ee9c kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t kh\u00f4ng ch\u1ec9 quan tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u01a1 quan ch\u1ee9c n\u0103ng m\u00e0 c\u00f2n \u0111\u1ed1i v\u1edbi ch\u00ednh ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. H\u1ee3p \u0111\u1ed3ng n\u00e0y c\u00f3 th\u1ec3 chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, nh\u1eadp vi\u1ec7n, ch\u1ea9n \u0111o\u00e1n v\u00e0 t\u1ed5 ch\u1ee9c c\u1ee9u tr\u1ee3, t\u1eeb \u0111\u00f3 gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u1ea3i chi tr\u1ea3 nh\u1eefng kho\u1ea3n ti\u1ec1n r\u1ea5t l\u1edbn trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan.<\/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 \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 m\u1ed9t trong nh\u1eefng t\u00e0i li\u1ec7u quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean ki\u1ec3m tra ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb, m\u1ee9c b\u1ea3o hi\u1ec3m, khu v\u1ef1c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n v\u00e0 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin so v\u1edbi h\u1ed9 chi\u1ebfu. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng sai s\u00f3t v\u00e0 s\u1ef1 ch\u1eadm tr\u1ec5 trong th\u1ee7 t\u1ee5c. N\u1ebfu b\u1ea1n mu\u1ed1n ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a m\u00ecnh, h\u00e3y so s\u00e1nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n, \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 l\u1ef1a ch\u1ecdn gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o m\u1ee9c gi\u00e1 th\u1ea5p nh\u1ea5t.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u1eb1m x\u00e1c nh\u1eadn vi\u1ec7c chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan ho\u1eb7c trong khu v\u1ef1c Schengen, t\u00f9y thu\u1ed9c v\u00e0o\u2026<\/p>","protected":false},"author":2,"featured_media":3900,"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":[47,49,46,50,65],"class_list":["post-3901","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-poradnik-pacjenta-i-faq","tag-koszty-leczenia-cudzoziemcow","tag-owu","tag-ubezpieczenie-do-wizy","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 na wiz\u0119 \u2013 najcz\u0119stsze pytania i odpowiedzi - Ubezpieczenie Cudzoziemca<\/title>\n<meta name=\"description\" content=\"Ubezpieczenie na wiz\u0119 \u2013 FAQ dla cudzoziemc\u00f3w. 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