{"id":3912,"date":"2026-10-06T04:52:26","date_gmt":"2026-10-06T02:52:26","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/?p=3912"},"modified":"2026-10-06T04:52:26","modified_gmt":"2026-10-06T02:52:26","slug":"bao-hiem-cho-the-cu-tru-cac-yeu-cau-la-gi","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/wymogi-i-przepisy\/ubezpieczenie-na-karte-pobytu-jakie-wymagania\/","title":{"rendered":"B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa \u2013 c\u00e1c y\u00eau c\u1ea7u l\u00e0 g\u00ec?"},"content":{"rendered":"<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h2 class=\"wp-block-heading\" id=\"spis-tresci\">M\u1ee5c l\u1ee5c<\/h2>\n\n\n<ol class=\"wp-block-list\"><li><a href=\"#od-czego-zaczac\">N\u00ean b\u1eaft \u0111\u1ea7u ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1eeb \u0111\u00e2u<\/a><\/li><li><a href=\"#dokument-i-dane\">Gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin<\/a><\/li><li><a href=\"#zakres-ochrony\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb<\/a><\/li><li><a href=\"#okres-i-terytorium\">Th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o v\u1ec7<\/a><\/li><li><a href=\"#kontrola-przed-zlozeniem\">Ki\u1ec3m tra tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1<\/a><\/li><li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li><\/ol>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">Khi xem x\u00e9t b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c xin th\u1ebb c\u01b0 tr\u00fa, b\u1ea1n n\u00ean \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi c\u1ee7a s\u1ea3n ph\u1ea9m. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) hi\u1ec7n h\u00e0nh, ph\u1ea1m vi \u00e1p d\u1ee5ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 c\u00e1c th\u00f4ng tin s\u1ebd \u0111\u01b0\u1ee3c ghi tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m. C\u00e1c \u0111i\u1ec1u ki\u1ec7n chi ti\u1ebft ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 v\u00e0 phi\u00ean b\u1ea3n c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU).<\/p>\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > #kt-info-box_pobyt1 .kt-blocks-info-box-link-wrap{max-width:unset;}#kt-info-box_pobyt1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}#kt-info-box_pobyt1 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-box_pobyt1 .kt-info-svg-icon-flip, #kt-info-box_pobyt1 .kt-blocks-info-box-number{font-size:50px;}#kt-info-box_pobyt1 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}#kt-info-box_pobyt1 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}#kt-info-box_pobyt1 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}@media all and (max-width: 1024px){#kt-info-box_pobyt1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}@media all and (max-width: 767px){#kt-info-box_pobyt1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box_pobyt1 has-theme-palette-8-background-color has-background\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\"><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-blocks-info-box-title\">Quan tr\u1ecdng<\/h4><p class=\"kt-blocks-info-box-text\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung (OWU) m\u00f4 t\u1ea3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Ch\u00fang kh\u00f4ng thay th\u1ebf cho c\u00e1c th\u00f4ng tin li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n.<\/p><\/div><\/span><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"od-czego-zaczac\">N\u00ean b\u1eaft \u0111\u1ea7u ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1eeb \u0111\u00e2u<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh th\u1eddi gian d\u1ef1 ki\u1ebfn l\u01b0u tr\u00fa, \u0111\u1ecba \u0111i\u1ec3m m\u00e0 d\u1ecbch v\u1ee5 b\u1ea3o v\u1ec7 s\u1ebd ho\u1ea1t \u0111\u1ed9ng, c\u0169ng nh\u01b0 lo\u1ea1i v\u0103n b\u1ea3n b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c sau khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. Ti\u1ebfp theo, h\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a s\u1ea3n ph\u1ea9m t\u01b0\u01a1ng \u1ee9ng. \u0110\u1eebng \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c ho\u1eb7c t\u1eeb th\u1ee7 t\u1ee5c tr\u01b0\u1edbc \u0111\u00f3 v\u00e0o tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n.<\/p>\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch v\u1ec1 vi\u1ec7c chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 trong c\u1ea9m nang n\u00e0y <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/yeu-cau-va-quy-dinh\/bao-hiem-y-te-va-cu-tru-tam-thoi-tai-ba-lan\/\">B\u1ea3o hi\u1ec3m y t\u1ebf v\u00e0 vi\u1ec7c c\u01b0 tr\u00fa t\u1ea1m th\u1eddi<\/a>. \u0110\u1ed1i v\u1edbi gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi v\u00e0 l\u00e0m vi\u1ec7c, th\u00f4ng tin ch\u00ednh th\u1ee9c t\u1eeb \u0110\u01b0\u1eddng D\u00e2y Xanh y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan. \u0110\u00e2y l\u00e0 th\u00f4ng tin li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau ra, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng cho m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. <a href=\"https:\/\/zielonalinia.gov.pl\/zezwolenie-jednolite-a-ubezpieczenie-zdrowotne\/\" target=\"_blank\" rel=\"noopener noreferrer\">Xem th\u00f4ng tin v\u1ec1 \u0110\u01b0\u1eddng d\u00e2y Xanh<\/a>.<\/p>\n\n\n<h2 class=\"wp-block-heading\" id=\"dokument-i-dane\">Gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) TUZ 2026, \u0111\u01a1n \u0111\u0103ng k\u00fd bao g\u1ed3m, trong s\u1ed1 nh\u1eefng n\u1ed9i dung kh\u00e1c, th\u1eddi h\u1ea1n, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. Vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn b\u1eb1ng gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m, v\u00e0 th\u1eddi h\u1ea1n ti\u00eau chu\u1ea9n l\u00e0 12 th\u00e1ng, tr\u1eeb khi c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c. \u0110\u00e2y l\u00e0 m\u00f4 t\u1ea3 v\u1ec1 m\u1ed9t s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3, kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean t\u1eafc chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items_pobytcheck1 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items_pobytcheck1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items_pobytcheck1 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-_pobytli1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-_pobytli1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-_pobytli1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y \u0111\u1ed1i chi\u1ebfu h\u1ecd v\u00e0 t\u00ean v\u1edbi gi\u1ea5y t\u1edd t\u00f9y th\u00e2n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-_pobytli2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-_pobytli2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-_pobytli2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Ki\u1ec3m tra th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-_pobytli3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-_pobytli3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-_pobytli3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-_pobytli4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-_pobytli4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-_pobytli4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">T\u1ea3i xu\u1ed1ng t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) hi\u1ec7n h\u00e0nh.<\/span><\/li>\n<\/ul><\/div>\n\n\n<p class=\"wp-block-paragraph\">B\u00e0i vi\u1ebft n\u00e0y tr\u00ecnh b\u00e0y c\u00e1c h\u01b0\u1edbng d\u1eabn v\u1ec1 vi\u1ec7c x\u00e1c nh\u1eadn quy\u1ec1n b\u1ea3o h\u1ed9 <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/thu-tuc-va-ho-so\/lam-the-nao-de-nhan-duoc-giay-xac-nhan-bao-hiem-y-te\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c gi\u1ea5y x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>. N\u1ebfu b\u1ea1n ph\u00e1t hi\u1ec7n l\u1ed7i trong t\u00e0i li\u1ec7u, h\u00e3y l\u00e0m r\u00f5 l\u1ed7i \u0111\u00f3 tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n<h2 class=\"wp-block-heading\" id=\"zakres-ochrony\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) Compensa Cudzoziemiec 2026 quy \u0111\u1ecbnh c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan li\u00ean quan \u0111\u1ebfn b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n, bao g\u1ed3m c\u00e1c chi ph\u00ed c\u1ea7n thi\u1ebft cho \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa, ph\u1eabu thu\u1eadt v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. C\u00e1c kho\u1ea3n chi tr\u1ea3 c\u1ee5 th\u1ec3 tu\u00e2n theo c\u00e1c quy \u0111\u1ecbnh kh\u00e1c trong t\u00e0i li\u1ec7u n\u00e0y.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Trong ch\u00ednh c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m n\u00e0y, ngo\u00e0i nh\u1eefng n\u1ed9i dung kh\u00e1c, c\u00f2n n\u00eau r\u00f5 vi\u1ec7c lo\u1ea1i tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec1u tr\u1ecb theo k\u1ebf ho\u1ea1ch nh\u1eb1m m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa t\u1ea1i Ba Lan, c\u0169ng nh\u01b0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec1u tr\u1ecb v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi c\u1ea7n thi\u1ebft \u0111\u1ec3 ph\u1ee5c h\u1ed3i s\u1ee9c kh\u1ecfe, t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 tr\u1edf v\u1ec1 n\u01b0\u1edbc th\u01b0\u1eddng tr\u00fa. \u0110\u1eebng cho r\u1eb1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb gi\u1ed1ng h\u1ec7t nhau \u0111\u1ec1u c\u00f3 trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > #kt-info-box_pobyt2 .kt-blocks-info-box-link-wrap{max-width:unset;}#kt-info-box_pobyt2 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}#kt-info-box_pobyt2 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-box_pobyt2 .kt-info-svg-icon-flip, #kt-info-box_pobyt2 .kt-blocks-info-box-number{font-size:50px;}#kt-info-box_pobyt2 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}#kt-info-box_pobyt2 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}#kt-info-box_pobyt2 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}@media all and (max-width: 1024px){#kt-info-box_pobyt2 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}@media all and (max-width: 767px){#kt-info-box_pobyt2 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box_pobyt2 has-theme-palette-8-background-color has-background\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\"><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-blocks-info-box-title\">H\u00e3y tham kh\u1ea3o \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n<\/h4><p class=\"kt-blocks-info-box-text\">D\u1ecbch v\u1ee5 c\u1ea5p c\u1ee9u y t\u1ebf, v\u1eadn chuy\u1ec3n, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 kh\u00e1c nhau t\u00f9y theo t\u1eebng s\u1ea3n ph\u1ea9m v\u00e0 g\u00f3i d\u1ecbch v\u1ee5.<\/p><\/div><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 b\u1ea3n ch\u1ea5t c\u1ee7a h\u00ecnh th\u1ee9c b\u1ea3o v\u1ec7 n\u00e0y trong b\u00e0i vi\u1ebft <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. M\u00f4 t\u1ea3 chung kh\u00f4ng thay th\u1ebf cho \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n<h2 class=\"wp-block-heading\" id=\"okres-i-terytorium\">Th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o v\u1ec7<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch v\u00e0 th\u00f4ng tin th\u1ef1c t\u1ebf li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p c\u1ee7a qu\u00fd kh\u00e1ch. Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Compensa Cudzoziemiec 2026, h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft v\u1edbi th\u1eddi h\u1ea1n m\u1ed9t n\u0103m ho\u1eb7c ng\u1eafn h\u01a1n, v\u00e0 b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ea5m d\u1ee9t sau khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u1ea5p quy\u1ec1n c\u01b0 tr\u00fa v\u0129nh vi\u1ec5n t\u1ea1i Ba Lan. Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ 2026, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 12 th\u00e1ng, tr\u1eeb khi c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c.<\/p>\n\n\n<h2 class=\"wp-block-heading\" id=\"kontrola-przed-zlozeniem\">Ki\u1ec3m tra tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi chuy\u1ec3n giao c\u00e1c t\u00e0i li\u1ec7u, h\u00e3y m\u1edf h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) hi\u1ec7n h\u00e0nh. Ki\u1ec3m tra t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c th\u00f4ng tin, ng\u00e0y th\u00e1ng, ph\u1ea1m vi \u0111\u1ecba l\u00fd, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn. Ghi l\u1ea1i s\u1ed1 h\u1ee3p \u0111\u1ed3ng v\u00e0 th\u00f4ng tin li\u00ean h\u1ec7 \u0111\u1ec3 qu\u1ea3n l\u00fd h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng coi s\u1ed1 ti\u1ec1n trong qu\u00e1 kh\u1ee9 t\u1eeb m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c l\u00e0 y\u00eau c\u1ea7u hi\u1ec7n t\u1ea1i. \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a ERGO n\u0103m 2016 \u0111\u00e3 n\u00eau m\u1ee9c 30.000 EUR cho g\u00f3i STANDARD v\u00e0 50.000 EUR cho g\u00f3i OPTIMUM, nh\u01b0ng t\u00e0i li\u1ec7u n\u00e0y kh\u00f4ng x\u00e1c nh\u1eadn t\u00ednh s\u1eb5n c\u00f3 hi\u1ec7n t\u1ea1i c\u1ee7a s\u1ea3n ph\u1ea9m c\u0169ng nh\u01b0 y\u00eau c\u1ea7u trong th\u1ee7 t\u1ee5c. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u h\u1eefu \u00edch trong c\u1ea9m nang <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/thu-tuc-va-ho-so\/bao-hiem-y-te-nam-2026-can-chuan-bi-nhung-giay-to-gi\/\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o \u0111\u1ec3 \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m y t\u1ebf?<\/a>.<\/p>\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h3 class=\"wp-block-heading\">Ch\u1ec9 ri\u00eang t\u00ean c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 \u0111\u1ee7 ch\u01b0a?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. H\u00e3y ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), ng\u00e0y th\u00e1ng, ph\u1ea1m vi \u0111\u1ecba l\u00fd, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Th\u1eddi h\u1ea1n c\u00f3 ph\u1ea3i lu\u00f4n l\u00e0 m\u1ed9t n\u0103m kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u00f3 th\u1ec3 quy \u0111\u1ecbnh th\u1eddi h\u1ea1n l\u00e0 m\u1ed9t n\u0103m ho\u1eb7c ng\u1eafn h\u01a1n. H\u00e3y ki\u1ec3m tra c\u00e1c ng\u00e0y th\u00e1ng tr\u00ean v\u0103n b\u1ea3n v\u00e0 c\u00e1c quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung.<\/p>\n\n\n<h3 class=\"wp-block-heading\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u00f3 \u00e1p d\u1ee5ng ngo\u00e0i l\u00e3nh th\u1ed5 Ba Lan kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng t\u1ef1 \u00fd gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u \u0111\u00f3. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c m\u1edf r\u1ed9ng (n\u1ebfu c\u00f3) ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u0169ng nh\u01b0 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n<h3 class=\"wp-block-heading\">N\u00ean ki\u1ec3m tra ch\u1ea5t li\u1ec7u \u1edf \u0111\u00e2u tr\u01b0\u1edbc khi mua?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y chu\u1ea9n b\u1ecb s\u1eb5n ng\u00e0y th\u00e1ng, m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i v\u00e0 c\u00e1c c\u00e2u h\u1ecfi v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, sau \u0111\u00f3 h\u00e3y s\u1eed d\u1ee5ng <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/yeu-cau-va-quy-dinh\/\">c\u1ea9m nang v\u1ec1 c\u00e1c y\u00eau c\u1ea7u v\u00e0 quy \u0111\u1ecbnh<\/a>. T\u00e0i li\u1ec7u tham kh\u1ea3o n\u00e0y kh\u00f4ng thay th\u1ebf cho vi\u1ec7c ki\u1ec3m tra c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, h\u00e3y chu\u1ea9n b\u1ecb th\u00f4ng tin v\u1ec1 th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng, sau \u0111\u00f3 truy c\u1eadp v\u00e0o bi\u1ec3u m\u1eabu \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh c\u1ee7a KLC Polisarium.<\/p>\n\n\n<div class=\"wp-block-buttons article-cta is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-63375db1 wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button article-cta__button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/polisarium.pl\/koszty-leczenia-cudzoziemca-klc\" target=\"_blank\" rel=\"noopener noreferrer\">MUA TR\u1ef0C TUY\u1ebeN<\/a><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u00e1c t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung, c\u00e1c m\u1ed1c th\u1eddi gian, ph\u1ea1m vi \u0111\u1ecba l\u00fd, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m.<\/p>","protected":false},"excerpt":{"rendered":"<p>M\u1ee5c l\u1ee5c: B\u1eaft \u0111\u1ea7u ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1eeb \u0111\u00e2u? Gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin chi ti\u1ebft Ph\u1ea1m vi b\u1ea3o hi\u1ec3m, h\u1ea1n m\u1ee9c v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb Th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi \u0111\u1ecba l\u00fd c\u1ee7a b\u1ea3o hi\u1ec3m Ki\u1ec3m tra\u2026<\/p>","protected":false},"author":1,"featured_media":3911,"comment_status":"closed","ping_status":"closed","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":[71,70,67,69,68],"class_list":["post-3912","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wymogi-i-przepisy","tag-jakie-ubezpieczenie-do-pobytu","tag-polisa-do-karty-pobytu","tag-ubezpieczenie-na-karte-pobytu","tag-ubezpieczenie-zdrowotne-cudzoziemca","tag-wymagania-karty-pobytu"],"acf":[],"yoast_head":"<!-- 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