{"id":3940,"date":"2026-11-04T20:04:22","date_gmt":"2026-11-04T19:04:22","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/?p=3940"},"modified":"2026-11-04T20:04:22","modified_gmt":"2026-11-04T19:04:22","slug":"bao-hiem-cho-nguoi-nuoc-ngoai-tai-ba-lan-cac-quy-dinh-nam-2026","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/wymogi-i-przepisy\/ubezpieczenie-dla-cudzoziemca-w-polsce-przepisy-2026\/","title":{"rendered":"B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan \u2013 c\u00e1c quy \u0111\u1ecbnh n\u0103m 2026"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c, khi nh\u1eadp c\u1ea3nh v\u00e0o Ba Lan ho\u1eb7c trong m\u1ed9t s\u1ed1 th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u01b0 tr\u00fa t\u1ea1m th\u1eddi. Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd r\u1eb1ng c\u00e1c th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 \u0111\u1eb7t ra nh\u1eefng y\u00eau c\u1ea7u kh\u00e1c nhau. C\u00e1c quy \u0111\u1ecbnh kh\u00e1c nhau \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen, th\u1ecb th\u1ef1c qu\u1ed1c gia lo\u1ea1i D, v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi li\u00ean quan \u0111\u1ebfn c\u00f4ng vi\u1ec7c ho\u1eb7c h\u1ecdc t\u1eadp.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u1ee7a \u0111\u01a1n xin. B\u1ea3o hi\u1ec3m \u0111\u00f4i khi <strong>m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n<\/strong>, nh\u01b0ng <strong>kh\u00f4ng h\u1ee3p ph\u00e1p h\u00f3a vi\u1ec7c c\u01b0 tr\u00fa<\/strong> ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb ri\u00eang l\u1ebb v\u00e0 kh\u00f4ng thay th\u1ebf cho c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, l\u00e3nh th\u1ed5 \u00e1p d\u1ee5ng, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 n\u1ed9i dung c\u1ee7a gi\u1ea5y ch\u1ee9ng nh\u1eadn. Nh\u1edd \u0111\u00f3, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 c\u1ee5m t\u1eeb chung chung \u201eb\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i\u201d.<\/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\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#przepisy-2026\">C\u00e1c quy \u0111\u1ecbnh v\u00e0o n\u0103m 2026 c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n\n\n\n<li><a href=\"#wiza-schengen-i-wiza-d\">Th\u1ecb th\u1ef1c Schengen v\u00e0 th\u1ecb th\u1ef1c qu\u1ed1c gia lo\u1ea1i D<\/a><\/li>\n\n\n\n<li><a href=\"#pobyt-czasowy\">B\u1ea3o hi\u1ec3m trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1m th\u1eddi<\/a><\/li>\n\n\n\n<li><a href=\"#wybor-polisy\">C\u00e1ch ch\u1ecdn v\u00e0 s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/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=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"przepisy-2026\">C\u00e1c quy \u0111\u1ecbnh v\u00e0o n\u0103m 2026 c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 m\u1ed9t y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m chung n\u00e0o \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng bao g\u1ed3m lo\u1ea1i th\u1ecb th\u1ef1c, m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 th\u1ee7 t\u1ee5c m\u00e0 trong \u0111\u00f3 t\u00e0i li\u1ec7u n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c xu\u1ea5t tr\u00ecnh. Do \u0111\u00f3, tr\u00ecnh t\u1ef1 \u0111\u00fang \u0111\u1eafn r\u1ea5t \u0111\u01a1n gi\u1ea3n: tr\u01b0\u1edbc ti\u00ean h\u00e3y x\u00e1c \u0111\u1ecbnh th\u1ee7 t\u1ee5c, sau \u0111\u00f3 l\u00e0 c\u00e1c y\u00eau c\u1ea7u c\u1ee7a th\u1ee7 t\u1ee5c \u0111\u00f3, v\u00e0 cu\u1ed1i c\u00f9ng m\u1edbi ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m. N\u00f3i c\u00e1ch kh\u00e1c: <strong>\u0111i\u1ec1u ch\u1ec9nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho ph\u00f9 h\u1ee3p v\u1edbi quy tr\u00ecnh<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i th\u1ee7 t\u1ee5c li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m mua ng\u1eabu nhi\u00ean.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi nh\u1eadp c\u1ea3nh theo th\u1ecb th\u1ef1c qu\u1ed1c gia, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i c\u00f3 gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn \u0111\u00e3 mua b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u00e0 xu\u1ea5t tr\u00ecnh khi \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u. N\u1ebfu \u0111i\u1ec1u ki\u1ec7n n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng th\u00f4ng qua b\u1ea3o hi\u1ec3m y t\u1ebf du l\u1ecbch, lu\u1eadt quy \u0111\u1ecbnh m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 30.000 euro v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c ph\u1ea3i bao ph\u1ee7 to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn t\u1ea1i Ba Lan. C\u01a1 s\u1edf ph\u00e1p l\u00fd l\u00e0 Lu\u1eadt v\u1ec1 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, n\u1ed9i dung c\u1ee7a lu\u1eadt n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c tra c\u1ee9u t\u1ea1i <a href=\"https:\/\/api.sejm.gov.pl\/eli\/acts\/DU\/2025\/1079\/text\/O\/D20251079.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">b\u1ea3n v\u0103n th\u1ed1ng nh\u1ea5t ch\u00ednh th\u1ee9c<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t thay \u0111\u1ed5i \u0111\u1eb7c bi\u1ec7t c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 5 th\u00e1ng 3 n\u0103m 2026 l\u00e0 vi\u1ec7c ch\u1ec9 huy tr\u01b0\u1edfng c\u01a1 s\u1edf Bi\u00ean ph\u00f2ng c\u00f3 th\u1ec3 cho ph\u00e9p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea3o v\u1ec7 t\u1ea1m th\u1eddi nh\u1eadp c\u1ea3nh m\u1eb7c d\u00f9 kh\u00f4ng \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 23 v\u00e0 \u0110i\u1ec1u 25, kho\u1ea3n 1 c\u1ee7a Lu\u1eadt v\u1ec1 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. \u0110\u00e2y l\u00e0 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 \u00e1p d\u1ee5ng cho m\u1ed9t nh\u00f3m c\u1ee5 th\u1ec3 v\u00e0 d\u1ef1a tr\u00ean quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 mi\u1ec5n tr\u1eeb chung \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u1ec1 ngh\u0129a v\u1ee5 cung c\u1ea5p gi\u1ea5y t\u1edd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a b\u1ed9 h\u1ed3 s\u01a1 ho\u00e0n ch\u1ec9nh. N\u1ebfu b\u1ea1n \u0111ang chu\u1ea9n b\u1ecb \u0111\u01a1n xin c\u01b0 tr\u00fa, m\u1ed9t c\u1ea9m nang h\u01b0\u1edbng d\u1eabn 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\/yeu-cau-va-quy-dinh\/bao-hiem-y-te-cho-thoi-gian-luu-tru-tam-thoi-tai-ba-lan\/\">C\u00e1c y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi vi\u1ec7c l\u01b0u tr\u00fa t\u1ea1m th\u1eddi<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wiza-schengen-i-wiza-d\">Th\u1ecb th\u1ef1c Schengen v\u00e0 th\u1ecb th\u1ef1c qu\u1ed1c gia lo\u1ea1i D<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c th\u1ed1ng nh\u1ea5t, c\u00f2n g\u1ecdi l\u00e0 th\u1ecb th\u1ef1c Schengen lo\u1ea1i C, b\u1ea3o hi\u1ec3m y t\u1ebf du l\u1ecbch ph\u1ea3i \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 ti\u00eau ch\u00ed c\u1ee5 th\u1ec3. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 <strong>\u00edt nh\u1ea5t 30.000 euro<\/strong>. C\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 n\u00ean bao g\u1ed3m <strong>to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c qu\u00e1 c\u1ea3nh theo k\u1ebf ho\u1ea1ch<\/strong> v\u00e0 c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi <strong>tr\u00ean to\u00e0n b\u1ed9 khu v\u1ef1c Schengen<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong B\u1ed9 lu\u1eadt Th\u1ecb th\u1ef1c bao g\u1ed3m c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn vi\u1ec7c ph\u1ea3i tr\u1edf v\u1ec1 v\u00ec l\u00fd do y t\u1ebf, nhu c\u1ea7u \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p, \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa \u0111\u1ed9t xu\u1ea5t ho\u1eb7c tr\u01b0\u1eddng h\u1ee3p t\u1eed vong. Do \u0111\u00f3, khi \u0111\u1ecdc t\u00e0i li\u1ec7u n\u00e0y, h\u00e3y l\u01b0u \u00fd xem li\u1ec7u n\u00f3 c\u00f3 bao g\u1ed3m <strong>c\u1ea5p c\u1ee9u y t\u1ebf<\/strong>, <strong>\u0111i\u1ec1u tr\u1ecb c\u1ea5p c\u1ee9u t\u1ea1i b\u1ec7nh vi\u1ec7n<\/strong> v\u00e0 <strong>tr\u1edf v\u1ec1 v\u00ec l\u00fd do y t\u1ebf<\/strong>. C\u00e1c quy \u0111\u1ecbnh chi ti\u1ebft \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 15 <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/PL\/TXT\/?uri=CELEX:32009R0810\" target=\"_blank\" rel=\"noopener noreferrer\">B\u1ed9 lu\u1eadt Th\u1ecb th\u1ef1c c\u1ee7a Li\u00ean minh Ch\u00e2u \u00c2u<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c n\u1ed9i \u0111\u1ecba lo\u1ea1i D c\u1ee7a Ba Lan, B\u1ed9 Ngo\u1ea1i giao c\u0169ng y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf du l\u1ecbch v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u 30.000 euro, bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p n\u00eau tr\u00ean v\u00e0 vi\u1ec7c tr\u1edf v\u1ec1 v\u00ec l\u00fd do y t\u1ebf, ho\u1eb7c b\u1ea3o hi\u1ec3m y t\u1ebf theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt Ba Lan. Tuy nhi\u00ean, kh\u00f4ng n\u00ean t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng t\u1ea5t c\u1ea3 c\u00e1c quy \u0111\u1ecbnh d\u00e0nh cho th\u1ecb th\u1ef1c lo\u1ea1i C sang th\u1ecb th\u1ef1c lo\u1ea1i D. C\u00e1c t\u00e0i li\u1ec7u b\u1ed5 sung c\u1ea7n thi\u1ebft s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 \u0111\u1ecba \u0111i\u1ec3m n\u1ed9p \u0111\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu m\u1ee5c \u0111\u00edch c\u1ee7a b\u1ea1n l\u00e0 m\u1ed9t chuy\u1ebfn \u0111i ng\u1eafn ng\u00e0y trong khu v\u1ef1c Schengen, h\u00e3y chuy\u1ec3n sang ph\u1ea7n ph\u00e2n t\u00edch chi ti\u1ebft <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/yeu-cau-va-quy-dinh\/bao-hiem-y-te-cho-thi-thuc-schengen-nam-2026\/\">B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen n\u0103m 2026<\/a>. N\u1ebfu t\u00e0i li\u1ec7u n\u00e0y \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho c\u1ea3 th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c l\u1eabn th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa sau n\u00e0y, h\u00e3y ki\u1ec3m tra ri\u00eang c\u00e1c y\u00eau c\u1ea7u c\u1ee7a t\u1eebng th\u1ee7 t\u1ee5c. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u \u0111\u00f3 khi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 t\u00e0i li\u1ec7u do c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea5p x\u00e1c nh\u1eadn \u0111i\u1ec1u n\u00e0y. Vi\u1ec7c mua b\u1ea3o hi\u1ec3m <strong>kh\u00f4ng \u0111\u1ea3m b\u1ea3o vi\u1ec7c c\u1ea5p th\u1ecb th\u1ef1c<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pobyt-czasowy\">B\u1ea3o hi\u1ec3m trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1m th\u1eddi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Trong th\u1ee7 t\u1ee5c xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi v\u00e0 l\u00e0m vi\u1ec7c, b\u1ea3o hi\u1ec3m l\u00e0 <strong>m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng \u0111\u1ed3ng th\u1eddi<\/strong>. Lu\u1eadt n\u00e0y quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf theo c\u00e1c quy \u0111\u1ecbnh c\u00f3 li\u00ean quan ho\u1eb7c <strong>Gi\u1ea5y x\u00e1c nh\u1eadn chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan<\/strong> b\u1edfi c\u00f4ng ty b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng \u0111\u00e1nh gi\u00e1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c li\u00ean quan \u0111\u1ebfn m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 c\u00f4ng vi\u1ec7c. <strong>Ch\u00ednh b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng quy\u1ebft \u0111\u1ecbnh k\u1ebft qu\u1ea3 cu\u1ed1i c\u00f9ng<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t l\u1ef1a ch\u1ecdn t\u01b0\u01a1ng t\u1ef1 c\u0169ng \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi nh\u1eb1m m\u1ee5c \u0111\u00edch du h\u1ecdc. Trong s\u1ed1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n, lu\u1eadt quy \u0111\u1ecbnh ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb tr\u00ean l\u00e3nh th\u1ed5 Ba Lan. H\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a \u0111\u01a1n xin hay kh\u00f4ng. T\u00e0i li\u1ec7u n\u00e0y ph\u1ea3i x\u00e1c nh\u1eadn r\u00f5 r\u00e0ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5: m\u1ed9t ng\u01b0\u1eddi \u0111\u1ebfn du h\u1ecdc v\u1edbi th\u1ecb th\u1ef1c D c\u00f3 th\u1ec3 tr\u01b0\u1edbc ti\u00ean c\u1ea7n m\u1ed9t t\u00e0i li\u1ec7u \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c, sau \u0111\u00f3 m\u1edbi xu\u1ea5t tr\u00ecnh gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m trong th\u1ee7 t\u1ee5c xin c\u01b0 tr\u00fa t\u1ea1m th\u1eddi. \u0110\u00e2y l\u00e0 hai giai \u0111o\u1ea1n kh\u00e1c nhau. Tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1, b\u1ea1n n\u00ean so s\u00e1nh ng\u00e0y th\u00e1ng, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 n\u1ed9i dung c\u1ee7a gi\u1ea5y ch\u1ee9ng nh\u1eadn v\u1edbi c\u00e1c y\u00eau c\u1ea7u c\u1ee7a th\u1ee7 t\u1ee5c t\u01b0\u01a1ng \u1ee9ng. N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m h\u1ebft h\u1ea1n trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd h\u1ed3 s\u01a1 ho\u1eb7c kh\u00f4ng n\u00eau r\u00f5 ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u1ea1i Ba Lan, th\u00ec b\u1ea3n th\u00e2n ch\u1ee9ng t\u1eeb thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh li\u1ec7u \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng hay ch\u01b0a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1, h\u00e3y ki\u1ec3m tra:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00e1c th\u00f4ng tin trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c ghi r\u00f5 r\u00e0ng hay kh\u00f4ng;<\/li>\n\n\n\n<li>m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c \u0111\u00e3 ch\u1ecdn hay kh\u00f4ng;<\/li>\n\n\n\n<li>li\u1ec7u t\u00e0i li\u1ec7u n\u00e0y c\u00f3 li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c xin c\u01b0 tr\u00fa t\u1ea1m th\u1eddi \u0111\u00fang quy \u0111\u1ecbnh hay kh\u00f4ng;<\/li>\n\n\n\n<li>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9 c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a th\u1ee7 t\u1ee5c hay kh\u00f4ng.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn c\u01b0 tr\u00fa, b\u1ea1n c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/bao-hiem-y-te-re-nhat-cho-the-cu-tru-bao-hiem-cho-nguoi-nuoc-ngoai\/\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a> ho\u1eb7c <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/bao-hiem-re-nhat-cho-nguoi-nuoc-ngoai-de-xin-visa-va-the-cu-tru-truc-tuyen\/\">b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a>. Tr\u01b0\u1edbc khi mua, h\u00e3y so s\u00e1nh t\u00e0i li\u1ec7u s\u1ea3n ph\u1ea9m v\u1edbi c\u00e1c y\u00eau c\u1ea7u trong quy tr\u00ecnh c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wybor-polisy\">C\u00e1ch ch\u1ecdn v\u00e0 s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng, h\u00e3y chu\u1ea9n b\u1ecb c\u00e1c th\u00f4ng tin li\u00ean quan \u0111\u1ebfn m\u1ee5c \u0111\u00edch v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa. Sau \u0111\u00f3, h\u00e3y ki\u1ec3m tra:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 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-itemsklc-checklist-a92f61 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-checklist-a92f61 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-itemsklc-checklist-a92f61 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a92f61 .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-klc-checklist-a92f61 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-klc-check-1-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-1-a92f61 .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-klc-check-1-a92f61 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>khu b\u1ea3o t\u1ed3n<\/strong> \u2014 t\u00e0i li\u1ec7u ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u trong th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 \u0111\u00f3;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-2-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-2-a92f61 .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-klc-check-2-a92f61 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>th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/strong> \u2014 Th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c qu\u00e1 c\u1ea3nh theo quy \u0111\u1ecbnh ph\u1ea3i \u0111\u01b0\u1ee3c ghi r\u00f5;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-3-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-3-a92f61 .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-klc-check-3-a92f61 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 Trong c\u00e1c th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c, h\u00e3y ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-4-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-4-a92f61 .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-klc-check-4-a92f61 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 ki\u1ec3m tra chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, h\u1ed7 tr\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, nh\u1eadp vi\u1ec7n v\u00e0 v\u1eadn chuy\u1ec3n theo quy \u0111\u1ecbnh;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-5-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-5-a92f61 .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-klc-check-5-a92f61 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 x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m \u2014 h\u00e3y chu\u1ea9n b\u1ecb <strong>Gi\u1ea5y ch\u1ee9ng nh\u1eadn ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c<\/strong> trong \u0111\u00f3 c\u00f3 th\u00f4ng tin v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-6-a92f61 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-6-a92f61 .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-klc-check-6-a92f61 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>\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ea7y \u0111\u1ee7<\/strong> \u2014 H\u00e3y \u0111\u1ecdc c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o v\u1ec7, c\u00e1c h\u1ea1n ch\u1ebf, c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u0111\u1ec1u c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m gi\u1ed1ng nhau. V\u00ed d\u1ee5, \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa n\u0103m 2026 d\u00e0nh cho b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan quy \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m chi ph\u00ed y t\u1ebf, h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n v\u00e0 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng cho c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra tr\u00ean l\u00e3nh th\u1ed5 Ba Lan v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c 24 gi\u1edd m\u1ed7i ng\u00e0y, 7 ng\u00e0y m\u1ed7i tu\u1ea7n. Tuy nhi\u00ean, ph\u1ea1m vi c\u1ee5 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung, do \u0111\u00f3 kh\u00f4ng th\u1ec3 \u00e1p d\u1ee5ng chung m\u00f4 t\u1ea3 n\u00e0y cho c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu x\u1ea3y ra s\u1ef1 c\u1ed1, h\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn di\u1ec5n bi\u1ebfn c\u1ee7a s\u1ef1 c\u1ed1 \u0111\u00f3. Trong tr\u01b0\u1eddng h\u1ee3p c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u <strong>m\u1eabu \u0111\u01a1n khai b\u00e1o thi\u1ec7t h\u1ea1i<\/strong> v\u00e0 c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 xem x\u00e9t y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, bao g\u1ed3m <strong>h\u1ed3 s\u01a1 y t\u1ebf<\/strong>. Ch\u00fang t\u00f4i kh\u00f4ng \u0111\u01b0a ra th\u1eddi h\u1ea1n th\u00f4ng b\u00e1o chung, v\u00ec th\u1eddi h\u1ea1n n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u1ebft lu\u1eadn th\u1ef1c ti\u1ec5n r\u1ea5t \u0111\u01a1n gi\u1ea3n:<\/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 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra xem t\u00e0i li\u1ec7u c\u00f3 tu\u00e2n th\u1ee7 quy tr\u00ecnh hay kh\u00f4ng, sau \u0111\u00f3 ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n, ph\u1ea3i nh\u1eadp vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng.<\/p>\n\n<\/div><\/div>\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\">Ch\u1ec9 ri\u00eang vi\u1ec7c c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u1ee7 \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a vi\u1ec7c l\u01b0u tr\u00fa c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan ch\u01b0a?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. B\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p th\u1ecb th\u1ef1c, nh\u1eadp c\u1ea3nh ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa c\u1ee5 th\u1ec3. B\u1ea3o hi\u1ec3m kh\u00f4ng thay th\u1ebf cho c\u01a1 s\u1edf c\u01b0 tr\u00fa, h\u1ed3 s\u01a1 xin c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 hay c\u00e1c t\u00e0i li\u1ec7u b\u1eaft bu\u1ed9c kh\u00e1c, v\u00e0 c\u0169ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o quy\u1ebft \u0111\u1ecbnh ch\u1ea5p thu\u1eadn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u c\u1ea7n thi\u1ebft \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen l\u00e0 bao nhi\u00eau?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c th\u1ed1ng nh\u1ea5t, m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 30.000 euro. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m to\u00e0n b\u1ed9 l\u00e3nh th\u1ed5 c\u1ee7a c\u00e1c qu\u1ed1c gia th\u00e0nh vi\u00ean, to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c qu\u00e1 c\u1ea3nh d\u1ef1 ki\u1ebfn, c\u0169ng nh\u01b0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p y t\u1ebf \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1c quy \u0111\u1ecbnh n\u00e0y c\u00f3 \u00e1p d\u1ee5ng cho c\u1ea3 th\u1ecb th\u1ef1c Schengen v\u00e0 th\u1ecb th\u1ef1c qu\u1ed1c gia lo\u1ea1i D kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ho\u00e0n to\u00e0n. Trong c\u1ea3 hai tr\u01b0\u1eddng h\u1ee3p, s\u1ed1 ti\u1ec1n 30.000 euro v\u00e0 b\u1ea3o hi\u1ec3m cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p \u0111\u1ec1u \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u, nh\u01b0ng \u0111\u00e2y l\u00e0 hai th\u1ee7 t\u1ee5c ri\u00eang bi\u1ec7t. Th\u1ecb th\u1ef1c qu\u1ed1c gia lo\u1ea1i D c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00e1c t\u00e0i li\u1ec7u b\u1ed5 sung t\u00f9y theo m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, v\u00ec v\u1eady h\u00e3y lu\u00f4n ki\u1ec3m tra danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft ph\u00f9 h\u1ee3p v\u1edbi \u0111\u01a1n xin c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 \u0111\u1ee7 \u0111\u1ec3 c\u01b0 tr\u00fa t\u1ea1m th\u1eddi v\u00e0 l\u00e0m vi\u1ec7c kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u1ea5y t\u1edd n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 b\u1eb1ng ch\u1ee9ng x\u00e1c nh\u1eadn n\u1ebfu n\u1ed9i dung c\u1ee7a n\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a th\u1ee7 t\u1ee5c v\u00e0 x\u00e1c nh\u1eadn r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan. Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c xem x\u00e9t t\u1ed5ng th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sinh vi\u00ean c\u00f3 ph\u1ea3i xu\u1ea5t tr\u00ecnh gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m khi l\u01b0u tr\u00fa t\u1ea1m th\u1eddi kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi nh\u1eb1m m\u1ee5c \u0111\u00edch h\u1ecdc t\u1eadp, lu\u1eadt quy \u0111\u1ecbnh vi\u1ec7c c\u00f3 b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb tr\u00ean l\u00e3nh th\u1ed5 Ba Lan l\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c. T\u00e0i li\u1ec7u n\u00e0y ph\u1ea3i c\u00f2n hi\u1ec7u l\u1ef1c v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian c\u0169ng nh\u01b0 m\u1ee5c \u0111\u00edch c\u01b0 tr\u00fa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec trong tr\u01b0\u1eddng h\u1ee3p khai b\u00e1o thi\u1ec7t h\u1ea1i?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft ph\u1ee5 thu\u1ed9c v\u00e0o \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a t\u1eebng h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3. \u0110\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m c\u1ee7a Compensa \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp trong b\u00e0i vi\u1ebft n\u00e0y, c\u00f3 th\u1ec3 c\u1ea7n: m\u1eabu \u0111\u01a1n \u0111\u00e3 \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7, c\u00e1c t\u00e0i li\u1ec7u gi\u00fap \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf. B\u1ea1n n\u00ean gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, gi\u1ea5y ch\u1ee9ng nh\u1eadn v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"podsumowanie\">T\u00f3m t\u1eaft<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e0o n\u0103m 2026, vi\u1ec7c l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1eabn b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c x\u00e1c \u0111\u1ecbnh th\u1ee7 t\u1ee5c: th\u1ecb th\u1ef1c Schengen, th\u1ecb th\u1ef1c qu\u1ed1c gia lo\u1ea1i D, nh\u1eadp c\u1ea3nh v\u00e0o Ba Lan ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi c\u1ee5 th\u1ec3. H\u00e3y ki\u1ec3m tra khu v\u1ef1c \u00e1p d\u1ee5ng, th\u1eddi h\u1ea1n, m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 ph\u1ea1m vi c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p, sau \u0111\u00f3 so s\u00e1nh v\u1edbi n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 gi\u1ea5y ch\u1ee9ng nh\u1eadn. \u0110\u1eebng coi b\u1ea3o hi\u1ec3m l\u00e0 c\u01a1 s\u1edf duy nh\u1ea5t \u0111\u1ec3 c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111\u00e3 bi\u1ebft m\u1ee5c \u0111\u00edch v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa, b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n sang c\u00f4ng c\u1ee5 t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\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\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 l\u00e0 y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c, khi nh\u1eadp c\u1ea3nh v\u00e0o Ba Lan ho\u1eb7c trong m\u1ed9t s\u1ed1 th\u1ee7 t\u1ee5c xin c\u01b0 tr\u00fa c\u1ee5 th\u1ec3\u2026<\/p>","protected":false},"author":1,"featured_media":3939,"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":[105,54,61,101,50],"class_list":["post-3940","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wymogi-i-przepisy","tag-pobyt-czasowy","tag-polisa-zdrowotna","tag-ubezpieczenie-podrozne","tag-wiza-krajowa-d","tag-wiza-schengen"],"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 dla cudzoziemca w Polsce: przepisy 2026<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a przepisy 2026 dotycz\u0105ce ubezpieczenia dla cudzoziemca w Polsce. 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