{"id":3924,"date":"2026-10-19T10:02:30","date_gmt":"2026-10-19T08:02:30","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/?p=3924"},"modified":"2026-10-19T10:02:30","modified_gmt":"2026-10-19T08:02:30","slug":"bao-hiem-cho-thi-thuc-du-hoc","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/rodzaje-i-porownanie-polis\/ubezpieczenie-do-wizy-studenckiej\/","title":{"rendered":"G\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t cho th\u1ecb th\u1ef1c du h\u1ecdc n\u0103m 2026"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c du h\u1ecdc kh\u00f4ng n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb c\u1ee5m t\u1eeb \u201eg\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t\u201d, m\u00e0 c\u1ea7n b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c ki\u1ec3m tra xem sinh vi\u00ean c\u1ee5 th\u1ec3 \u0111\u00f3 c\u1ea7n g\u00ec v\u00e0 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n th\u1ef1c t\u1ebf \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. Kh\u00f4ng ch\u1ec9 t\u00ean s\u1ea3n ph\u1ea9m v\u00e0 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m m\u1edbi l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng. C\u1ea7n ph\u1ea3i so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 c\u00e1ch th\u1ee9c nh\u1eadn h\u1ed7 tr\u1ee3. Vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh h\u1ee3p \u0111\u1ed3ng cho ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1 c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i so s\u00e1nh b\u1ed1n gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c n\u00eau t\u00ean d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m c\u1ee7a ch\u00fang. N\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c b\u00e1o gi\u00e1 \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n cho c\u00f9ng m\u1ed9t h\u1ed3 s\u01a1 sinh vi\u00ean, s\u1ebd kh\u00f4ng th\u1ec3 ch\u1ec9 ra m\u1ed9t gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u m\u1ed9t c\u00e1ch c\u00f4ng b\u1eb1ng hay l\u1eadp b\u1ea3ng x\u1ebfp h\u1ea1ng gi\u00e1 c\u1ea3.<\/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<h2 class=\"wp-block-heading\" id=\"spis-tresci\">M\u1ee5c l\u1ee5c<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#co-sprawdzic\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n<li><a href=\"#porownanie\">So s\u00e1nh b\u1ed1n gi\u1ea3i ph\u00e1p<\/a><\/li>\n\n\n<li><a href=\"#nagly-przypadek\">Ph\u1ea3i l\u00e0m g\u00ec khi x\u1ea3y ra s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p<\/a><\/li>\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<li><a href=\"#podsumowanie\">C\u00e1ch ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 mua tr\u1ef1c tuy\u1ebfn<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch mua b\u1ea3o hi\u1ec3m. N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m v\u00e0o \u0111\u01a1n xin th\u1ecb th\u1ef1c, <strong>H\u00e3y ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n<\/strong> \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. Tr\u01b0\u1edbc khi mua, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c th\u00f4ng tin m\u00e0 c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n y\u00eau c\u1ea7u; b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea3m b\u1ea3o k\u1ebft qu\u1ea3 c\u1ee7a quy\u1ebft \u0111\u1ecbnh h\u00e0nh ch\u00ednh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y so s\u00e1nh n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa c\u1ee7a b\u1ea1n. <strong>Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 khai b\u00e1o<\/strong>, v\u00e0 th\u00f4ng tin c\u1ee7a sinh vi\u00ean ph\u1ea3i kh\u1edbp v\u1edbi c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong \u0111\u01a1n \u0111\u0103ng k\u00fd. Tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, b\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 ng\u00e0y b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c. Nh\u1eefng th\u00f4ng tin n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong b\u1ea3n ch\u00e0o h\u00e0ng, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) t\u01b0\u01a1ng \u1ee9ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1eeb m\u00f4 t\u1ea3 qu\u1ea3ng c\u00e1o chung chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong th\u1ef1c t\u1ebf, m\u1ed9t danh s\u00e1ch ki\u1ec3m tra ng\u1eafn g\u1ecdn s\u1ebd r\u1ea5t h\u1eefu \u00edch:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items5b5bba-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items5b5bba-checklist 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-items5b5bba-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items5b5bba-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items5b5bba-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items5b5bba-checklist 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-items5b5bba-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items5b5bba-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items5b5bba-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items5b5bba-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items5b5bba-checklist 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-5b5bba-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-5b5bba-check-1 .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-5b5bba-check-1 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>ph\u1ea1m vi c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p<\/strong> \u2014 \u0111i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n, ph\u1ea3i nh\u1eadp vi\u1ec7n ho\u1eb7c c\u1ea7n \u0111\u01b0\u1ee3c v\u1eadn chuy\u1ec3n y t\u1ebf;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-5b5bba-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-5b5bba-check-2 .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-5b5bba-check-2 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>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong> \u2014 m\u1ee9c tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-5b5bba-check-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-5b5bba-check-3 .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-5b5bba-check-3 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>m\u1ee9c tr\u1ea7n c\u1ee7a c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p<\/strong> \u2014 c\u00e1c h\u1ea1n ch\u1ebf ri\u00eang bi\u1ec7t \u00e1p d\u1ee5ng cho t\u1eebng th\u00e0nh ph\u1ea7n b\u1ea3o v\u1ec7;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-5b5bba-check-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-5b5bba-check-4 .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-5b5bba-check-4 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>mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m<\/strong> \u2014 c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i chi tr\u1ea3 ho\u1eb7c h\u1ea1n ch\u1ebf m\u1ee9c chi tr\u1ea3;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-5b5bba-check-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-5b5bba-check-5 .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-5b5bba-check-5 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\u00e1ch li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m b\u00e1o \u0111\u1ed9ng v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u00e1o c\u00e1o s\u1ef1 c\u1ed1;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-5b5bba-check-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-5b5bba-check-6 .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-5b5bba-check-6 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\">phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111ang mua.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed1i c\u1ea3nh r\u1ed9ng h\u01a1n c\u1ee7a s\u1ef1 l\u1ef1a ch\u1ecdn \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 nh\u01b0 sau <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/huong-dan-ve-cac-goi-bao-hiem-y-te-ba-lan-nam-2026\/\">H\u01b0\u1edbng d\u1eabn v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a Ba Lan<\/a>. N\u1ebfu th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn k\u00e9o d\u00e0i h\u01a1n, vi\u1ec7c th\u1ea3o lu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y c\u0169ng s\u1ebd r\u1ea5t h\u1eefu \u00edch <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/bao-hiem-y-te-cho-thoi-gian-luu-tru-dai-han-lua-chon\/\">L\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m y t\u1ebf cho th\u1eddi gian l\u01b0u tr\u00fa d\u00e0i h\u1ea1n<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 ri\u00eang con s\u1ed1 cao tr\u00ean trang \u0111\u1ea7u c\u1ee7a b\u1ea3n ch\u00e0o h\u00e0ng c\u0169ng ch\u01b0a th\u1ec3 gi\u1ea3i th\u00edch h\u1ebft to\u00e0n b\u1ed9 ph\u1ea1m vi.<\/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>T\u1ed5ng v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 c\u00f3 c\u00e1c ch\u1ee9c n\u0103ng kh\u00e1c nhau<\/strong>: M\u1ee9c t\u1ed5ng quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n chung v\u1ec1 tr\u00e1ch nhi\u1ec7m, trong khi m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf m\u1ed9t lo\u1ea1i quy\u1ec1n l\u1ee3i c\u1ee5 th\u1ec3. Do \u0111\u00f3, c\u1ea7n ph\u1ea3i xem x\u00e9t c\u00e1c quy \u0111\u1ecbnh n\u00e0y c\u00f9ng v\u1edbi c\u00e1c \u0111\u1ecbnh ngh\u0129a, ph\u1ea1m vi c\u01a1 b\u1ea3n, c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb.<\/p>\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 Uniqa trong phi\u00ean b\u1ea3n n\u0103m 2020 n\u00eau r\u00f5 m\u1ed9t c\u01a1 ch\u1ebf quan tr\u1ecdng. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 trong \u0111\u00f3 quy \u0111\u1ecbnh m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed7i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 <strong>C\u00e1c kho\u1ea3n r\u00fat ti\u1ec1n s\u1ebd l\u00e0m gi\u1ea3m c\u00e1c h\u1ea1n m\u1ee9c t\u01b0\u01a1ng \u1ee9ng<\/strong>. C\u00e1c gi\u00e1 tr\u1ecb c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 trong b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n. Kh\u00f4ng n\u00ean t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf n\u00e0y cho c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c, c\u0169ng nh\u01b0 kh\u00f4ng n\u00ean cho r\u1eb1ng c\u00e1c ph\u01b0\u01a1ng \u00e1n tr\u01b0\u1edbc \u0111\u00e2y v\u1eabn ti\u1ebfp t\u1ee5c c\u00f3 hi\u1ec7u l\u1ef1c m\u00e0 kh\u00f4ng c\u00f3 thay \u0111\u1ed5i.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u00e1 c\u1ea3 l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng, nh\u01b0ng vi\u1ec7c so s\u00e1nh ph\u00ed b\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb khi \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean c\u00f9ng m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng sinh vi\u00ean, c\u00f9ng kho\u1ea3ng th\u1eddi gian, c\u00f9ng khu v\u1ef1c, c\u00f9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 c\u00f9ng m\u1ee9c b\u1ed3i th\u01b0\u1eddng. N\u1ebfu thi\u1ebfu nh\u1eefng t\u00ednh to\u00e1n n\u00e0y, s\u1ebd kh\u00f4ng th\u1ec3 l\u1eadp \u0111\u01b0\u1ee3c b\u1ea3ng x\u1ebfp h\u1ea1ng c\u00f4ng b\u1eb1ng t\u1eeb g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t \u0111\u1ebfn \u0111\u1eaft nh\u1ea5t. Tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh, h\u00e3y \u0111\u1ecdc, <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/bao-hiem-y-te-gia-re-lieu-co-dang-khong\/\">B\u1ea3o hi\u1ec3m y t\u1ebf gi\u00e1 r\u1ebb c\u00f3 \u0111\u1ee7 kh\u00f4ng?<\/a> v\u00e0 h\u00e3y xem, <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/bang-xep-hang-cac-goi-bao-hiem-du-lich-nam-2026\/\">C\u00e1ch so s\u00e1nh c\u00e1c lo\u1ea1i th\u1ecb th\u1ef1c v\u00e0o n\u0103m 2026<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"porownanie\">So s\u00e1nh b\u1ed1n gi\u1ea3i ph\u00e1p<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3ng t\u1ed5ng h\u1ee3p d\u01b0\u1edbi \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ea3ng x\u1ebfp h\u1ea1ng gi\u00e1 c\u1ea3. N\u00f3 ch\u1ec9 n\u00eau ra nh\u1eefng \u0111i\u1ec3m kh\u00e1c bi\u1ec7t c\u00f3 th\u1ec3 quy cho c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung c\u1ee5 th\u1ec3. <strong>Kh\u00f4ng c\u00f3 m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o l\u00e0 ph\u00f9 h\u1ee3p nh\u1ea5t cho t\u1ea5t c\u1ea3 c\u00e1c sinh vi\u00ean<\/strong>: S\u1ef1 l\u1ef1a ch\u1ecdn ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi t\u00e0i li\u1ec7u, th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a \u0111\u1ec1 ngh\u1ecb hi\u1ec7n t\u1ea1i.<\/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<h3 class=\"wp-block-heading\" id=\"compensa-cudzoziemiec\">Compensa Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Compensa d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, phi\u00ean b\u1ea3n n\u0103m 2026, quy \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng quy \u0111\u1ecbnh r\u1eb1ng Compensa s\u1ebd t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 y t\u1ebf v\u00e0 chi tr\u1ea3 c\u00e1c chi ph\u00ed li\u00ean quan cho \u0111\u1ebfn khi t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m cho ph\u00e9p h\u1ecd tr\u1edf v\u1ec1 ho\u1eb7c \u0111\u01b0\u1ee3c v\u1eadn chuy\u1ec3n v\u1ec1 n\u01b0\u1edbc th\u01b0\u1eddng tr\u00fa.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 m\u1ed9t ti\u00eau ch\u00ed c\u1ee5 th\u1ec3 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 trong t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p. <strong>To\u00e0n b\u1ed9 ph\u1ea1m vi v\u1eabn c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra<\/strong>: \u0110i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp kh\u00f4ng t\u1ef1 n\u00f3 quy \u0111\u1ecbnh t\u1ed5ng gi\u00e1 tr\u1ecb, t\u1ea5t c\u1ea3 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb c\u0169ng nh\u01b0 ph\u01b0\u01a1ng \u00e1n \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh cho \u0111\u1ec1 xu\u1ea5t.<\/p>\n\n<\/div><\/div>\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=\"tuz-ubezpieczenia-koszty-leczenia-cudzoziemcow\">TUZ Ubezpieczenia \u2014 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a TUZ v\u1ec1 b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, phi\u00ean b\u1ea3n n\u0103m 2026, quy \u0111\u1ecbnh c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung li\u00ean quan \u0111\u1ebfn tai n\u1ea1n b\u1ea5t ng\u1edd v\u00e0 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n. <strong>C\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung kh\u00f4ng t\u1ef1 \u0111\u1ed9ng tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ee7a m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>. Vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y, ph\u1ea1m vi, gi\u1edbi h\u1ea1n c\u0169ng nh\u01b0 t\u00e1c \u0111\u1ed9ng c\u1ee7a ch\u00fang \u0111\u1ed1i v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong b\u1ea3n \u0111\u1ec1 ngh\u1ecb c\u1ee5 th\u1ec3 v\u00e0 tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Khi khai b\u00e1o thi\u1ec7t h\u1ea1i, qu\u00fd kh\u00e1ch c\u1ea7n n\u1ed9p m\u1eabu \u0111\u01a1n khai b\u00e1o, c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, c\u00f9ng v\u1edbi h\u1ed3 s\u01a1 y t\u1ebf x\u00e1c nh\u1eadn ch\u1ea9n \u0111o\u00e1n v\u00e0 s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a vi\u1ec7c \u0111i\u1ec1u tr\u1ecb. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u ngay t\u1eeb khi v\u1ee5 vi\u1ec7c b\u1eaft \u0111\u1ea7u, tuy nhi\u00ean kh\u00f4ng t\u1ea1o th\u00e0nh m\u1ed9t quy tr\u00ecnh chung \u00e1p d\u1ee5ng cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n<\/div><\/div>\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=\"uniqa-koszty-leczenia-cudzoziemcow\">Uniqa \u2014 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Uniqa, phi\u00ean b\u1ea3n c\u00f3 ghi n\u0103m 2020 <strong>C\u00e1c gi\u1edbi h\u1ea1n n\u00e0y quy \u0111\u1ecbnh m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m<\/strong> v\u00e0 s\u1ebd b\u1ecb kh\u1ea5u tr\u1eeb s\u1ed1 ti\u1ec1n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 chi tr\u1ea3. C\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 h\u1ea1n m\u1ee9c ph\u1ee5 t\u01b0\u01a1ng \u1ee9ng ph\u1ea3i \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n.<\/p>\n\n\n<p class=\"wp-block-paragraph\">T\u00e0i li\u1ec7u n\u00e0y c\u0169ng n\u00eau r\u00f5 c\u00e1c y\u1ebfu t\u1ed1 c\u1ea7n c\u00f3 khi n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb: s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 ho\u00e0n c\u1ea3nh s\u1ef1 vi\u1ec7c, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf k\u00e8m theo ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u00f9ng c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh. Do \u0111\u00e2y l\u00e0 phi\u00ean b\u1ea3n c\u0169 h\u01a1n, <strong>C\u1ea7n x\u00e1c nh\u1eadn t\u00ednh c\u1eadp nh\u1eadt c\u1ee7a quy tr\u00ecnh v\u00e0 ph\u01b0\u01a1ng \u00e1n tr\u01b0\u1edbc khi mua h\u00e0ng<\/strong>.<\/p>\n\n<\/div><\/div>\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=\"ergo-hestia-koszty-leczenia-cudzoziemcow\">Ergo Hestia \u2014 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/h3>\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 Ergo Hestia, phi\u00ean b\u1ea3n n\u0103m 2016, quy \u0111\u1ecbnh ngh\u0129a v\u1ee5 ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c cho Trung t\u00e2m C\u1ea5p c\u1ee9u khi s\u1ef1 c\u1ed1 x\u1ea3y ra. Trong qu\u00e1 tr\u00ecnh khai b\u00e1o, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i n\u1ed9p m\u1eabu \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, b\u1ea3n g\u1ed1c c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n n\u00e0y nh\u1ea5n m\u1ea1nh t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c li\u00ean h\u1ec7 k\u1ecbp th\u1eddi v\u00e0 ho\u00e0n thi\u1ec7n h\u1ed3 s\u01a1, nh\u01b0ng <strong>kh\u00f4ng x\u00e1c nh\u1eadn s\u1ea3n ph\u1ea9m hi\u1ec7n c\u00f3 s\u1eb5n<\/strong>, c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i c\u0169ng nh\u01b0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i. Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, qu\u00fd kh\u00e1ch c\u1ea7n ki\u1ec3m tra phi\u00ean b\u1ea3n m\u1edbi nh\u1ea5t c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), th\u00f4ng tin v\u1ec1 Trung t\u00e2m C\u1ea3nh b\u00e1o v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c n\u00eau trong \u0111\u1ec1 xu\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"nagly-przypadek\">Ph\u1ea3i l\u00e0m g\u00ec khi x\u1ea3y ra s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng m\u1ed9t sinh vi\u00ean trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan g\u1eb7p tai n\u1ea1n v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c c\u1ea5p c\u1ee9u kh\u1ea9n c\u1ea5p c\u0169ng nh\u01b0 ph\u1ea3i nh\u1eadp vi\u1ec7n. Tr\u01b0\u1edbc h\u1ebft, sinh vi\u00ean \u0111\u00f3 c\u1ea7n \u0111\u1ea3m b\u1ea3o an to\u00e0n cho b\u1ea3n th\u00e2n v\u00e0 t\u00ecm ki\u1ebfm s\u1ef1 tr\u1ee3 gi\u00fap ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng. B\u01b0\u1edbc ti\u1ebfp theo s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 mua \u2013 sinh vi\u00ean c\u1ea7n tu\u00e2n th\u1ee7 c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea1n n\u00ean mang theo s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 khai b\u00e1o s\u1ef1 c\u1ed1. <strong>H\u00e3y li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m b\u00e1o \u0111\u1ed9ng theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/strong>, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi t\u00ecnh hu\u1ed1ng y\u00eau c\u1ea7u ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c. H\u00e3y cung c\u1ea5p c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 m\u00f4 t\u1ea3 chi ti\u1ebft t\u00ecnh hu\u1ed1ng. \u0110\u1eebng cho r\u1eb1ng th\u1ee7 t\u1ee5c \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ea3n ph\u1ea9m c\u0169ng s\u1ebd \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sau s\u1ef1 vi\u1ec7c <strong>H\u00e3y l\u01b0u gi\u1eef c\u00e1c bi\u1ec3u m\u1eabu, h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 ch\u1ee9ng t\u1eeb chi ph\u00ed<\/strong>. C\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) t\u1ea1i c\u00e1c c\u00f4ng ty nh\u01b0 Uniqa, TUZ Ubezpieczenia hay Ergo Hestia c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi h\u1ed3 s\u01a1, do \u0111\u00f3, qu\u00fd v\u1ecb lu\u00f4n c\u1ea7n ki\u1ec3m tra danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng ri\u00eang c\u1ee7a m\u00ecnh. Vi\u1ec7c thi\u1ebfu b\u1ea5t k\u1ef3 t\u00e0i li\u1ec7u n\u00e0o c\u0169ng c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, tuy nhi\u00ean danh s\u00e1ch cu\u1ed1i c\u00f9ng c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft ph\u1ee5 thu\u1ed9c v\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 di\u1ec5n bi\u1ebfn c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng v\u1ee5 vi\u1ec7c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t th\u00f3i quen t\u1ed1t tr\u01b0\u1edbc khi l\u00ean \u0111\u01b0\u1eddng l\u00e0 ghi l\u1ea1i s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin li\u00ean l\u1ea1c v\u00e0o \u0111i\u1ec7n tho\u1ea1i, \u0111\u1ed3ng th\u1eddi cung c\u1ea5p nh\u1eefng th\u00f4ng tin n\u00e0y cho m\u1ed9t ng\u01b0\u1eddi \u0111\u00e1ng tin c\u1eady. \u0110i\u1ec1u n\u00e0y kh\u00f4ng l\u00e0m thay \u0111\u1ed5i c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m, nh\u01b0ng s\u1ebd gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng t\u00ecm th\u1ea5y h\u01b0\u1edbng d\u1eabn ph\u00f9 h\u1ee3p trong nh\u1eefng t\u00ecnh hu\u1ed1ng c\u0103ng th\u1eb3ng.<\/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<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-istnieje-jedna-najlepsza-polisa\">C\u00f3 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o l\u00e0 t\u1ed1t nh\u1ea5t d\u00e0nh cho th\u1ecb th\u1ef1c du h\u1ecdc v\u00e0o n\u0103m 2026 kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean s\u1ea3n ph\u1ea9m. C\u1ea7n ph\u1ea3i c\u00f3 c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p, c\u00e1c \u01b0u \u0111\u00e3i hi\u1ec7n t\u1ea1i v\u00e0 so s\u00e1nh c\u00e1c th\u00f4ng s\u1ed1 t\u01b0\u01a1ng \u1ee9ng. B\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng h\u01b0\u1edbng d\u1eabn v\u1ec1 c\u00e1ch l\u1ef1a ch\u1ecdn <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/bao-hiem-y-te-cho-thi-thuc-du-hoc\/\">B\u1ea3o hi\u1ec3m y t\u1ebf cho th\u1ecb th\u1ef1c du h\u1ecdc<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-najtansza-skladka-oznacza-najlepszy-wybor\">M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t c\u00f3 ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. M\u1ee9c gi\u00e1 th\u1ea5p h\u01a1n m\u00e0 kh\u00f4ng so s\u00e1nh v\u1ec1 th\u1eddi h\u1ea1n, ph\u1ea1m vi, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, h\u1ea1n m\u1ee9c ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb th\u00ec kh\u00f4ng th\u1ec3 cho bi\u1ebft g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0o ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi nhu c\u1ea7u c\u1ee7a sinh vi\u00ean. <strong>So s\u00e1nh c\u00e1c \u0111\u1ec1 xu\u1ea5t d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u ki\u1ec7n t\u01b0\u01a1ng t\u1ef1<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-opisana-polisa-gwarantuje-uzyskanie-wizy\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 c\u00f3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c \u0111\u01b0\u1ee3c c\u1ea5p th\u1ecb th\u1ef1c kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. B\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea3m b\u1ea3o k\u1ebft qu\u1ea3 c\u1ee7a quy\u1ebft \u0111\u1ecbnh h\u00e0nh ch\u00ednh. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n \u0111\u1ed1i v\u1edbi \u0111\u01a1n xin c\u1ee5 th\u1ec3 \u0111\u00f3 v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-dodatkowe-nnw-lub-oc-zawsze-sa-w-cenie\">C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) ho\u1eb7c b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) b\u1ed5 sung c\u00f3 lu\u00f4n \u0111\u01b0\u1ee3c bao g\u1ed3m trong gi\u00e1 kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y. Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a TUZ Ubezpieczenia, c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh d\u01b0\u1edbi d\u1ea1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung, do \u0111\u00f3, vi\u1ec7c \u00e1p d\u1ee5ng, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn c\u1ee5 th\u1ec3 trong t\u1eebng \u0111\u1ec1 xu\u1ea5t b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-zachowac-po-naglym-zdarzeniu\">Sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p, c\u1ea7n gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00f9y thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng. Trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u01b0\u1ee3c n\u00eau tr\u00ean, c\u00e1c t\u00e0i li\u1ec7u bao g\u1ed3m, trong s\u1ed1 nh\u1eefng th\u1ee9 kh\u00e1c, m\u1eabu \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, b\u1ea3n m\u00f4 t\u1ea3 s\u1ef1 c\u1ed1, h\u1ed3 s\u01a1 y t\u1ebf k\u00e8m ch\u1ea9n \u0111o\u00e1n v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb ch\u1ee9ng minh chi ph\u00ed \u0111\u00e3 chi tr\u1ea3. <strong>H\u00e3y tham kh\u1ea3o danh s\u00e1ch trong ch\u00ednh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) hi\u1ec7n h\u00e0nh<\/strong>.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a h\u1ed3 s\u01a1, c\u1ea7n lu\u00f4n s\u1eed d\u1ee5ng c\u00e1c m\u1eabu \u0111\u01a1n v\u00e0 h\u01b0\u1edbng d\u1eabn m\u1edbi nh\u1ea5t \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). H\u1ed3 s\u01a1 ph\u1ea3i nh\u1ea5t qu\u00e1n v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-historyczna-wersja-owu-wystarcza\">B\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) l\u1ecbch s\u1eed c\u00f3 \u0111\u1ee7 \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Th\u00f4ng tin n\u00e0y c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u1ea5u tr\u00fac c\u1ee7a s\u1ea3n ph\u1ea9m, nh\u01b0ng tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n x\u00e1c nh\u1eadn phi\u00ean b\u1ea3n m\u1edbi nh\u1ea5t c\u1ee7a c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n, c\u00e1c g\u00f3i d\u1ecbch v\u1ee5 c\u00f3 s\u1eb5n, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n c\u0169ng nh\u01b0 th\u1ee7 t\u1ee5c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"podsumowanie\">C\u00e1ch ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 mua tr\u1ef1c tuy\u1ebfn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 t\u00ean m\u1ed9t c\u00f4ng ty trong b\u1ea3ng x\u1ebfp h\u1ea1ng chung, m\u00e0 l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng sinh vi\u00ean c\u1ee5 th\u1ec3, th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn v\u00e0 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 gi\u1ea5y t\u1edd. H\u00e3y so s\u00e1nh c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) hi\u1ec7n h\u00e0nh, ki\u1ec3m tra th\u1eddi h\u1ea1n, ph\u1ea1m vi \u0111\u1ecba l\u00fd, m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, th\u1ee7 t\u1ee5c h\u1ed7 tr\u1ee3 v\u00e0 phi\u00ean b\u1ea3n c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u. <strong>\u0110\u1eebng ch\u1ec9 mua h\u00e0ng d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3 ho\u1eb7c m\u00f4 t\u1ea3 s\u01a1 l\u01b0\u1ee3c<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi b\u1ea1n \u0111\u00e3 bi\u1ebft kho\u1ea3ng th\u1eddi gian c\u1ea7n thi\u1ebft v\u00e0 th\u00f4ng tin c\u1ee7a sinh vi\u00ean, h\u00e3y truy c\u1eadp c\u00f4ng c\u1ee5 t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Bi\u1ec3u m\u1eabu n\u00e0y cho ph\u00e9p b\u1ea1n t\u00ednh to\u00e1n m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 ti\u1ebfn h\u00e0nh mua s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p tr\u1ef1c tuy\u1ebfn.<\/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\/\">T\u00cdNH PH\u00cd B\u1ea2O HI\u1ec2M V\u00c0 MUA TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c du h\u1ecdc kh\u00f4ng n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb c\u1ee5m t\u1eeb \u201eg\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t\u201d, m\u00e0 n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c x\u00e1c \u0111\u1ecbnh nhu c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng sinh vi\u00ean v\u00e0\u2026<\/p>","protected":false},"author":1,"featured_media":3923,"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":[42],"tags":[85,88,86,87],"class_list":["post-3924","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rodzaje-i-porownanie-polis","tag-polisa-dla-studenta-cudzoziemca","tag-porownanie-polis","tag-ubezpieczenie-zdrowotne-studenta","tag-wymagania-wizowe"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ubezpieczenie do wizy studenckiej 2026: por\u00f3wnanie polis<\/title>\n<meta name=\"description\" content=\"Por\u00f3wnujemy cztery polisy dla student\u00f3w cudzoziemc\u00f3w. 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