{"id":3915,"date":"2026-10-08T19:54:47","date_gmt":"2026-10-08T17:54:47","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/?p=3915"},"modified":"2026-10-08T19:54:47","modified_gmt":"2026-10-08T17:54:47","slug":"bao-hiem-trong-truong-hop-khan-cap-hoat-dong-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/poradnik-pacjenta-i-faq\/jak-dziala-ubezpieczenie-w-naglych-przypadkach\/","title":{"rendered":"B\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u1eb1m h\u1ed7 tr\u1ee3 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh t\u1eadt ho\u1eb7c tai n\u1ea1n kh\u1ea9n c\u1ea5p x\u1ea3y ra trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m n\u00e0y kh\u00f4ng \u0111\u1ea3m b\u1ea3o s\u1ebd t\u1ef1 \u0111\u1ed9ng chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed \u2013 ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng, bao g\u1ed3m c\u00e1c gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 quy tr\u00ecnh x\u1eed l\u00fd sau s\u1ef1 c\u1ed1. \u0110i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 s\u1ef1 c\u1ed1 x\u1ea3y ra m\u00e0 c\u00f2n l\u00e0 vi\u1ec7c li\u00ean h\u1ec7 nhanh ch\u00f3ng v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u c\u00f3 th\u1ea9m quy\u1ec1n v\u00e0 l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft. H\u01b0\u1edbng d\u1eabn t\u1eebng b\u01b0\u1edbc n\u00e0y s\u1ebd gi\u1ea3i th\u00edch c\u00e1ch x\u1eed l\u00fd t\u1eeb khi s\u1ef1 c\u1ed1 x\u1ea3y ra cho \u0111\u1ebfn khi khai b\u00e1o v\u00e0 thanh to\u00e1n chi ph\u00ed, \u0111\u1ed3ng th\u1eddi gi\u00fap b\u1ea1n tr\u00e1nh nh\u1eefng k\u1ef3 v\u1ecdng kh\u00f4ng th\u1ef1c t\u1ebf \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\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-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#co-oznacza-nagly-przypadek-w-ubezpieczeniu-klc\">\u201cTr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p\u201d trong b\u1ea3o hi\u1ec3m KLC c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#co-zrobic-od-razu-po-zdarzeniu\">Ph\u1ea3i l\u00e0m g\u00ec ngay sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-przygotowac-zgloszenie-kosztow\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1eadp b\u00e1o c\u00e1o chi ph\u00ed?<\/a><\/li>\n\n\n\n<li><a href=\"#jakich-ograniczen-nie-wolno-pomijac\">Nh\u1eefng h\u1ea1n ch\u1ebf n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ecf qua?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n\n\n<li><a href=\"#jak-wybrac-polise-i-przygotowac-sie-na-zdarzenie\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 chu\u1ea9n b\u1ecb cho tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1?<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-oznacza-nagly-przypadek-w-ubezpieczeniu-klc\">\u201cTr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p\u201d trong b\u1ea3o hi\u1ec3m KLC c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Trong b\u1ed1i c\u1ea3nh c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 <strong>t\u00ednh ch\u1ea5t \u0111\u1ed9t ng\u1ed9t v\u00e0 kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c<\/strong> t\u00ecnh hu\u1ed1ng. V\u00ed d\u1ee5 nh\u01b0 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe \u0111\u1ed9t ng\u1ed9t x\u1ea5u \u0111i trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan ho\u1eb7c ch\u1ea5n th\u01b0\u01a1ng do tai n\u1ea1n g\u00e2y ra. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i b\u1ea3n th\u00e2n m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c quy\u1ebft \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, m\u00e0 l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 ho\u00e0n c\u1ea3nh c\u1ee7a v\u1ee5 vi\u1ec7c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean cho r\u1eb1ng m\u1ecdi g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau. \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m (OWU) c\u1ee7a Uniqa n\u0103m 2020 n\u00eau r\u00f5 r\u1eb1ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e3nh th\u1ed5 ch\u1ec9 \u00e1p d\u1ee5ng cho c\u00e1c s\u1ef1 c\u1ed1 b\u1ea3o hi\u1ec3m x\u1ea3y ra t\u1ea1i Ba Lan. \u0110\u00e2y l\u00e0 th\u00f4ng tin li\u00ean quan \u0111\u1ebfn m\u1ed9t v\u0103n b\u1ea3n c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean t\u1eafc chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, b\u1ea1n c\u1ea7n ki\u1ec3m tra <strong>ph\u1ea1m vi l\u00e3nh th\u1ed5<\/strong> theo \u0111i\u1ec1u ki\u1ec7n ri\u00eang c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c cho ph\u00e9p th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c \u0111i\u1ec1u tr\u1ecb n\u00e0o do c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3. M\u1ee5c \u0111\u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng l\u00e0 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m theo th\u1ecfa thu\u1eadn trong c\u00e1c t\u00ecnh hu\u1ed1ng c\u1ea7n s\u1ef1 h\u1ed7 tr\u1ee3, tuy nhi\u00ean m\u1ed7i tr\u01b0\u1eddng h\u1ee3p s\u1ebd \u0111\u01b0\u1ee3c xem x\u00e9t ri\u00eang bi\u1ec7t. Chi ti\u1ebft v\u1ec1 c\u01a1 ch\u1ebf b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch trong c\u1ea9m nang v\u1ec1 <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/huong-dan-cho-benh-nhan-va-cau-hoi-thuong-gap\/bao-hiem-y-te-trong-truong-hop-khan-cap\/\">b\u1ea3o hi\u1ec3m y t\u1ebf trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-od-razu-po-zdarzeniu\">Ph\u1ea3i l\u00e0m g\u00ec ngay sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y \u0111\u1ea3m b\u1ea3o an to\u00e0n cho ng\u01b0\u1eddi b\u1ecb n\u1ea1n. Khi t\u00ecnh h\u00ecnh \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t \u0111\u1ee7 \u0111\u1ec3 ti\u1ebfn h\u00e0nh c\u00e1c th\u1ee7 t\u1ee5c, h\u00e3y t\u00ecm gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m v\u00e0 h\u01b0\u1edbng d\u1eabn x\u1eed l\u00fd s\u1ef1 c\u1ed1. Chu\u1ea9n b\u1ecb <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 li\u00ean l\u1ea1c v\u1edbi ng\u01b0\u1eddi \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u01b0\u1edbc ti\u1ebfp theo l\u00e0 ki\u1ec3m tra xem c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u00f3 y\u00eau c\u1ea7u ph\u1ea3i li\u00ean h\u1ec7 v\u1edbi <strong>Trung t\u00e2m B\u00e1o \u0111\u1ed9ng<\/strong> tr\u01b0\u1edbc khi t\u1ed5 ch\u1ee9c h\u00ecnh th\u1ee9c h\u1ed7 tr\u1ee3 c\u1ee5 th\u1ec3. Theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Uniqa \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn, ng\u01b0\u1eddi th\u00f4ng b\u00e1o c\u1ea7n m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng, n\u00eau r\u00f5 lo\u1ea1i h\u1ed7 tr\u1ee3 c\u1ea7n thi\u1ebft, cung c\u1ea5p s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd v\u00e0 t\u00ean c\u00f9ng s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, sau \u0111\u00f3 tu\u00e2n th\u1ee7 c\u00e1c h\u01b0\u1edbng d\u1eabn c\u1ee7a trung t\u00e2m. \u0110\u00e2y l\u00e0 quy tr\u00ecnh \u00e1p d\u1ee5ng cho t\u00e0i li\u1ec7u n\u00e0y. Qu\u00fd kh\u00e1ch vui l\u00f2ng tham kh\u1ea3o th\u00f4ng tin li\u00ean h\u1ec7 v\u00e0 c\u00e1c quy \u0111\u1ecbnh trong ch\u00ednh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p v\u1eadn chuy\u1ec3n, vi\u1ec7c th\u1ecfa thu\u1eadn tr\u01b0\u1edbc v\u1ec1 chi ph\u00ed c\u00f3 th\u1ec3 c\u00f3 \u00fd ngh\u0129a \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Ergo Hestia n\u0103m 2016 n\u00eau tr\u00ean y\u00eau c\u1ea7u ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c cho trung t\u00e2m c\u1ea5p c\u1ee9u v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c trung t\u00e2m n\u00e0y ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc khi chi tr\u1ea3 c\u00e1c chi ph\u00ed v\u1eadn chuy\u1ec3n. Do \u0111\u00f3, khi s\u1eafp x\u1ebfp chuy\u1ebfn \u0111i <strong>\u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn<\/strong>, n\u1ebfu ngh\u0129a v\u1ee5 \u0111\u00f3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a b\u1ea1n. \u0110\u1eebng \u0111\u1eb7t mua m\u1ed9t d\u1ecbch v\u1ee5 \u0111\u1eaft ti\u1ec1n ch\u1ec9 v\u00ec tin r\u1eb1ng sau n\u00e0y b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 cho d\u1ecbch v\u1ee5 \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 n\u00e0y trong b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/huong-dan-cho-benh-nhan-va-cau-hoi-thuong-gap\/bao-hiem-y-te-va-chi-phi-van-chuyen-y-te\/\">chi ph\u00ed v\u1eadn chuy\u1ec3n y t\u1ebf trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jak-dziala-centrum-alarmowe\">Trung t\u00e2m b\u00e1o \u0111\u1ed9ng ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trung t\u00e2m \u1ee9ng c\u1ee9u kh\u1ea9n c\u1ea5p thu th\u1eadp th\u00f4ng tin v\u1ec1 s\u1ef1 c\u1ed1 v\u00e0 \u0111\u01b0a ra c\u00e1c h\u01b0\u1edbng d\u1eabn ti\u1ebfp theo theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng \u1ee9ng. Cu\u1ed9c tr\u00f2 chuy\u1ec7n n\u00ean \u0111i th\u1eb3ng v\u00e0o v\u1ea5n \u0111\u1ec1. H\u00e3y chu\u1ea9n b\u1ecb m\u1ed9t b\u1ea3n t\u00f3m t\u1eaft ng\u1eafn g\u1ecdn <strong>m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c<\/strong>: chuy\u1ec7n g\u00ec \u0111\u00e3 x\u1ea3y ra, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hi\u1ec7n \u0111ang \u1edf \u0111\u00e2u, h\u1ecd c\u1ea7n s\u1ef1 tr\u1ee3 gi\u00fap n\u00e0o v\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 li\u00ean l\u1ea1c v\u1edbi h\u1ecd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng \u0111o\u00e1n b\u1eeba n\u1ebfu b\u1ea1n kh\u00f4ng bi\u1ebft c\u00e2u tr\u1ea3 l\u1eddi. H\u00e3y cho bi\u1ebft nh\u1eefng th\u00f4ng tin n\u00e0o b\u1ea1n c\u00f3 th\u1ec3 x\u00e1c nh\u1eadn v\u00e0 h\u1ecfi xem c\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd g\u00ec. Ghi l\u1ea1i th\u1eddi gian cu\u1ed9c g\u1ecdi v\u00e0 c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c. N\u1ebfu trung t\u00e2m cung c\u1ea5p h\u01b0\u1edbng d\u1eabn v\u1ec1 vi\u1ec7c s\u1eafp x\u1ebfp ph\u01b0\u01a1ng ti\u1ec7n di chuy\u1ec3n ho\u1eb7c vi\u1ec7c khai b\u00e1o chi ph\u00ed sau n\u00e0y, h\u00e3y l\u00e0m theo h\u01b0\u1edbng d\u1eabn \u0111\u00f3. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 <strong>th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd<\/strong> \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i, ch\u1ee9 kh\u00f4ng ph\u1ea3i h\u01b0\u1edbng d\u1eabn chung t\u00ecm th\u1ea5y tr\u00ean m\u1ea1ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u1ea3 s\u1eed sau khi x\u1ea3y ra tai n\u1ea1n, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf ph\u00f9 h\u1ee3p. C\u00e1ch x\u1eed l\u00fd h\u1ee3p l\u00fd l\u00e0 th\u00f4ng b\u00e1o t\u00ecnh h\u00ecnh cho trung t\u00e2m th\u00f4ng tin v\u00e0 th\u1ed1ng nh\u1ea5t c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo, mi\u1ec5n l\u00e0 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 cho ph\u00e9p th\u1ef1c hi\u1ec7n vi\u1ec7c li\u00ean l\u1ea1c n\u00e0y. Tuy nhi\u00ean, kh\u00f4ng n\u00ean h\u1ee9a tr\u01b0\u1edbc r\u1eb1ng m\u1ecdi chi ph\u00ed v\u1eadn chuy\u1ec3n \u0111\u1ec1u s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n. <strong>\u0110\u1eebng h\u1ee9a s\u1ebd ho\u00e0n ti\u1ec1n<\/strong>, cho \u0111\u1ebfn khi b\u1ea1n n\u1eafm r\u00f5 ph\u1ea1m vi c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu s\u1ef1 c\u1ed1 d\u1eabn \u0111\u1ebfn vi\u1ec7c ph\u1ea3i nh\u1eadp vi\u1ec7n, vi\u1ec7c gi\u1ea3i th\u00edch th\u00eam v\u1ec1 c\u00e1ch th\u1ee9c <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/huong-dan-cho-benh-nhan-va-cau-hoi-thuong-gap\/bao-hiem-y-te-va-dieu-tri-noi-tru\/\">B\u1ea3o hi\u1ec3m n\u00e0y \u00e1p d\u1ee5ng cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa<\/a>. Tuy nhi\u00ean, v\u1eabn c\u1ea7n ph\u1ea3i d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c <strong>h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a ch\u00ednh m\u00ecnh<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przygotowac-zgloszenie-kosztow\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1eadp b\u00e1o c\u00e1o chi ph\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi cung c\u1ea5p h\u1ed7 tr\u1ee3, giai \u0111o\u1ea1n l\u1eadp h\u1ed3 s\u01a1 s\u1ef1 c\u1ed1 s\u1ebd b\u1eaft \u0111\u1ea7u. Theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa, \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ea3i bao g\u1ed3m: s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 ho\u00e0n c\u1ea3nh v\u1ee5 vi\u1ec7c, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u t\u00e0i ch\u00ednh v\u00e0 h\u1ed3 s\u01a1 b\u1ec7nh vi\u1ec7n gi\u00fap x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh. Quy \u0111\u1ecbnh tr\u00ean kh\u00f4ng bao qu\u00e1t to\u00e0n b\u1ed9 danh s\u00e1ch c\u00e1c y\u00eau c\u1ea7u \u2013 do \u0111\u00f3, danh s\u00e1ch \u0111\u1ea7y \u0111\u1ee7 v\u00e0 c\u1eadp nh\u1eadt c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft lu\u00f4n ph\u1ea3i \u0111\u01b0\u1ee3c ki\u1ec3m tra trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh ho\u1eb7c li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 x\u00e1c nh\u1eadn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong th\u1ef1c t\u1ebf, h\u00e3y chu\u1ea9n b\u1ecb m\u1ed9t b\u1ed9 t\u00e0i li\u1ec7u ri\u00eang bi\u1ec7t li\u00ean quan \u0111\u1ebfn m\u1ed9t s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items883069cb_checks:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items883069cb_checks 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-items883069cb_checks ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items883069cb_checks .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items883069cb_checks ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items883069cb_checks 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-items883069cb_checks ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items883069cb_checks .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items883069cb_checks ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items883069cb_checks .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items883069cb_checks 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-883069cb_item0 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-883069cb_item0 .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-883069cb_item0 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\">th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-883069cb_item1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-883069cb_item1 .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-883069cb_item1 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\">m\u00f4 t\u1ea3 theo tr\u00ecnh t\u1ef1 th\u1eddi gian v\u1ec1 nh\u1eefng g\u00ec \u0111\u00e3 x\u1ea3y ra;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-883069cb_item2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-883069cb_item2 .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-883069cb_item2 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\">\u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c <strong>h\u1ed3 s\u01a1 y t\u1ebf<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-883069cb_item3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-883069cb_item3 .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-883069cb_item3 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\"><strong>h\u00f3a \u0111\u01a1n v\u00e0 bi\u00ean lai<\/strong> v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb thanh to\u00e1n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-883069cb_item4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-883069cb_item4 .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-883069cb_item4 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\">th\u00f4ng tin do trung t\u00e2m b\u00e1o \u0111\u1ed9ng cung c\u1ea5p;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-883069cb_item5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-883069cb_item5 .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-883069cb_item5 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\">c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a Compensa n\u0103m 2026 n\u00eau r\u00f5 ngh\u0129a v\u1ee5 cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ea7n thi\u1ebft, bao g\u1ed3m h\u1ed3 s\u01a1 y t\u1ebf, \u0111\u01b0a ra l\u1eddi gi\u1ea3i th\u00edch v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c khuy\u1ebfn ngh\u1ecb. Compensa c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin c\u1ea7n thi\u1ebft nh\u1eb1m \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Tuy nhi\u00ean, c\u1ea7n nh\u1ea5n m\u1ea1nh r\u1eb1ng \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 c\u00f9ng m\u1ed9t b\u1ed9 h\u1ed3 s\u01a1 s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng t\u1ea1i m\u1ecdi c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\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-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>\u0110\u1eebng v\u1ee9t b\u1ecf c\u00e1c t\u00e0i li\u1ec7u<\/strong> sau khi k\u1ebft th\u00fac vi\u1ec7c h\u1ed7 tr\u1ee3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y sao ch\u00e9p c\u00e1c t\u00e0i li\u1ec7u n\u00e0y th\u00e0nh b\u1ea3n sao r\u00f5 r\u00e0ng, s\u1eafp x\u1ebfp theo th\u1ee9 t\u1ef1 ng\u00e0y th\u00e1ng v\u00e0 ki\u1ec3m tra xem th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 nh\u1ea5t qu\u00e1n hay kh\u00f4ng. H\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh thu\u1eadn l\u1ee3i, nh\u01b0ng s\u1ebd gi\u00fap c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1nh gi\u00e1 s\u1ef1 vi\u1ec7c d\u1ef1a tr\u00ean nh\u1eefng th\u00f4ng tin c\u1ee5 th\u1ec3.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jakich-ograniczen-nie-wolno-pomijac\">Nh\u1eefng h\u1ea1n ch\u1ebf n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ecf qua?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 coi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t ngu\u1ed3n ng\u00e2n s\u00e1ch v\u00f4 h\u1ea1n. Tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd lu\u00f4n ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng, do \u0111\u00f3 c\u1ea7n ph\u1ea3i ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra <strong>mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m<\/strong>, ph\u1ea1m vi v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Compensa n\u0103m 2026 n\u00eau tr\u00ean lo\u1ea1i tr\u1eeb, trong s\u1ed1 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb li\u00ean quan \u0111\u1ebfn m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn \u0111i, c\u0169ng nh\u01b0 c\u00e1c chi ph\u00ed v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi c\u1ea7n thi\u1ebft \u0111\u1ec3 ph\u1ee5c h\u1ed3i s\u1ee9c kh\u1ecfe, gi\u00fap ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 tr\u1edf v\u1ec1 qu\u1ed1c gia th\u01b0\u1eddng tr\u00fa. K\u1ebft lu\u1eadn th\u1ef1c ti\u1ec5n r\u1ea5t \u0111\u01a1n gi\u1ea3n: <strong>\u0111i\u1ec1u tr\u1ecb l\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn \u0111i<\/strong> Kh\u00f4ng n\u00ean coi \u0111i\u1ec1u n\u00e0y nh\u01b0 l\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 sau m\u1ed9t s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p. \u0110\u00e2y ch\u1ec9 l\u00e0 m\u1ed9t v\u00ed d\u1ee5 tr\u00edch t\u1eeb m\u1ed9t v\u0103n b\u1ea3n c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 danh m\u1ee5c \u0111\u1ea7y \u0111\u1ee7 c\u00e1c gi\u1edbi h\u1ea1n \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng coi nh\u1eefng \u0111i\u1ec3m \u0111\u01b0\u1ee3c n\u00eau ra \u1edf tr\u00ean l\u00e0 <strong>danh s\u00e1ch k\u00edn<\/strong>. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) ri\u00eang c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c \u0111\u1ecbnh ngh\u0129a, ngh\u0129a v\u1ee5, gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb kh\u00e1c. Tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh, b\u1ea1n n\u00ean ki\u1ec3m tra, <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/huong-dan-cho-benh-nhan-va-cau-hoi-thuong-gap\/bao-hiem-y-te-nhung-dieu-can-kiem-tra-truoc-khi-mua-2\/\">Nh\u1eefng n\u1ed9i dung c\u1ea7n bi\u1ebft trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua<\/a>, v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb t\u1eeb ch\u1ed1i ho\u1eb7c ph\u1ea1m vi b\u1ea3o h\u1ed9 b\u1ecb h\u1ea1n ch\u1ebf \u2013 c\u1ea7n ph\u00e2n t\u00edch, <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/huong-dan-cho-benh-nhan-va-cau-hoi-thuong-gap\/bao-hiem-y-te-va-viec-khong-duoc-chi-tra-chi-phi-dieu-tri-phai-lam-gi\/\">Ph\u1ea3i l\u00e0m g\u00ec khi kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng KLC <strong>kh\u00f4ng ph\u1ea3i l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong>. \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m ho\u1ea1t \u0111\u1ed9ng theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng trong nh\u1eefng t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3. Kh\u00f4ng n\u00ean hi\u1ec3u r\u1eb1ng lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 m\u1ecdi kho\u1ea3n tr\u1ee3 c\u1ea5p hay h\u1ee9a h\u1eb9n s\u1ebd chi tr\u1ea3.<\/p>\n\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\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazda-polisa-klc-dziala-tak-samo\">C\u00f3 ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a KLC \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Ph\u1ea1m vi, gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 v\u00e0 th\u1ee7 t\u1ee5c ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng. H\u00e3y ki\u1ec3m tra tr\u01b0\u1edbc khi mua <strong>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m<\/strong>, khu v\u1ef1c b\u1ea3o v\u1ec7 v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 sau s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-trzeba-dzwonic-do-centrum-alarmowego\">C\u00f3 c\u1ea7n g\u1ecdi \u0111\u1ebfn trung t\u00e2m c\u1ea5p c\u1ee9u kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Qu\u00fd kh\u00e1ch vui l\u00f2ng tu\u00e2n th\u1ee7 h\u01b0\u1edbng d\u1eabn \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Uniqa \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn \u1edf tr\u00ean m\u00f4 t\u1ea3 vi\u1ec7c li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m v\u00e0 cung c\u1ea5p c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n, trong khi c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Ergo Hestia \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn \u1edf tr\u00ean y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a c\u00f4ng ty trong tr\u01b0\u1eddng h\u1ee3p ph\u00e1t sinh chi ph\u00ed v\u1eadn chuy\u1ec3n. Hi\u1ec7n t\u1ea1i <strong>th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a trung t\u00e2m<\/strong> b\u1ea1n s\u1ebd t\u00ecm th\u1ea5y trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-przygotowac-przed-rozmowa-z-centrum\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec tr\u01b0\u1edbc khi g\u1ecdi \u0111i\u1ec7n cho trung t\u00e2m?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd v\u00e0 t\u00ean ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u00f9ng v\u1edbi m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn v\u1ec1 t\u00ecnh hu\u1ed1ng v\u00e0 s\u1ef1 tr\u1ee3 gi\u00fap c\u1ea7n thi\u1ebft \u2013 \u0111\u00e2y l\u00e0 nh\u1eefng th\u00f4ng tin c\u1ea7n cung c\u1ea5p theo quy tr\u00ecnh c\u1ee7a Uniqa \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-zachowac-po-zdarzeniu\">C\u1ea7n gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u ghi ch\u00e9p v\u1ec1 s\u1ef1 c\u1ed1 v\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p, c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u t\u00e0i ch\u00ednh. Danh s\u00e1ch c\u1ee5 th\u1ec3 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft t\u00f9y thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u00eam th\u00f4ng tin chi ti\u1ebft trong c\u1ea9m nang h\u01b0\u1edbng d\u1eabn v\u1ec1 <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/huong-dan-cho-benh-nhan-va-cau-hoi-thuong-gap\/bao-hiem-y-te-trong-truong-hop-khan-cap\/\">b\u1ea3o hi\u1ec3m y t\u1ebf trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-ubezpieczyciel-pokryje-kazdy-transport\">C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 chi tr\u1ea3 cho m\u1ecdi chuy\u1ebfn v\u1eadn chuy\u1ec3n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111i\u1ec1u n\u00e0y. Theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a Ergo Hestia \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn, chi ph\u00ed v\u1eadn chuy\u1ec3n ph\u1ea3i \u0111\u01b0\u1ee3c li\u00ean h\u1ec7 tr\u01b0\u1edbc v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u v\u00e0 \u0111\u01b0\u1ee3c trung t\u00e2m n\u00e0y ch\u1ea5p thu\u1eadn. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a qu\u00fd v\u1ecb c\u00f3 th\u1ec3 quy \u0111\u1ecbnh c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn s\u1ef1 h\u1ed7 tr\u1ee3 n\u00e0y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-komplet-dokumentow-gwarantuje-wyplate\">B\u1ed9 h\u1ed3 s\u01a1 n\u00e0y c\u00f3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c chi tr\u1ea3 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u00e1c t\u00e0i li\u1ec7u n\u00e0y d\u00f9ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, nh\u01b0ng quy\u1ebft \u0111\u1ecbnh c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o ph\u1ea1m vi b\u1ea3o hi\u1ec3m, ho\u00e0n c\u1ea3nh c\u1ee7a s\u1ef1 vi\u1ec7c, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb. <strong>T\u00ednh nh\u1ea5t qu\u00e1n c\u1ee7a d\u1eef li\u1ec7u<\/strong> v\u00e0 t\u00ednh \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u gi\u00fap tr\u00ecnh b\u00e0y v\u1ee5 vi\u1ec7c m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, nh\u01b0ng kh\u00f4ng quy\u1ebft \u0111\u1ecbnh k\u1ebft qu\u1ea3.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-wybrac-polise-i-przygotowac-sie-na-zdarzenie\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 chu\u1ea9n b\u1ecb cho tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua h\u00e0ng, h\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n, \u0111\u1eebng ch\u1ec9 \u0111\u1ecdc qua loa d\u00f2ng gi\u1edbi thi\u1ec7u ng\u1eafn g\u1ecdn c\u1ee7a s\u1ea3n ph\u1ea9m. Ki\u1ec3m tra ph\u1ea1m vi \u00e1p d\u1ee5ng, <strong>th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u b\u1ea3o hi\u1ec3m<\/strong>, ph\u1ea1m vi h\u1ed7 tr\u1ee3, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 quy \u0111\u1ecbnh li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m kh\u1ea9n c\u1ea5p. H\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 ch\u00ednh x\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi mua b\u1ea3o hi\u1ec3m, h\u00e3y l\u01b0u gi\u1eef gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m \u1edf n\u01a1i d\u1ec5 truy c\u1eadp t\u1eeb \u0111i\u1ec7n tho\u1ea1i v\u00e0 th\u00f4ng b\u00e1o cho ng\u01b0\u1eddi th\u00e2n bi\u1ebft n\u01a1i c\u1ea5t gi\u1eef c\u00e1c t\u00e0i li\u1ec7u n\u00e0y. Trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, vi\u1ec7c truy c\u1eadp nhanh v\u00e0o s\u1ed1 h\u1ee3p \u0111\u1ed3ng v\u00e0 h\u01b0\u1edbng d\u1eabn s\u1ebd gi\u00fap b\u1ea1n th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc c\u1ea7n thi\u1ebft m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 h\u01a1n. Nguy\u00ean t\u1eafc quan tr\u1ecdng nh\u1ea5t l\u00e0: h\u00e3y ph\u1ea3n \u1ee9ng ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng v\u00e0 ho\u00e0n t\u1ea5t c\u00e1c th\u1ee7 t\u1ee5c theo \u0111\u00fang h\u1ee3p \u0111\u1ed3ng hi\u1ec7n h\u00e0nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u1ea7n b\u1ea3o hi\u1ec3m KLC cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan, h\u00e3y truy c\u1eadp c\u00f4ng c\u1ee5 t\u00ednh ph\u00ed \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh v\u00e0 bi\u1ec3u m\u1eabu mua h\u00e0ng:<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">MUA B\u1ea2O HI\u1ec2M KLC TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u1eb1m h\u1ed7 tr\u1ee3 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m ho\u1eb7c g\u1eb7p tai n\u1ea1n trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m n\u00e0y kh\u00f4ng \u0111\u1ea3m b\u1ea3o\u2026<\/p>","protected":false},"author":1,"featured_media":3914,"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":[41],"tags":[76,72,75,73,74],"class_list":["post-3915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-poradnik-pacjenta-i-faq","tag-co-zrobic-w-razie-wypadku","tag-jak-dziala-ubezpieczenie-w-naglych-przypadkach","tag-koszty-leczenia-naglego","tag-nagly-przypadek-a-polisa-zdrowotna","tag-pomoc-medyczna-ubezpieczenie"],"acf":[],"yoast_head":"<!-- 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