{"id":3946,"date":"2026-11-11T16:22:47","date_gmt":"2026-11-11T15:22:47","guid":{"rendered":"https:\/\/ubezpieczenie-cudzoziemca.pl\/?p=3946"},"modified":"2026-11-11T16:22:47","modified_gmt":"2026-11-11T15:22:47","slug":"bao-hiem-trong-chuyen-cong-tac-bao-gom-nhung-gi","status":"publish","type":"post","link":"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/poradnik\/rodzaje-i-porownanie-polis\/ubezpieczenie-w-podrozy-sluzbowej-co-obejmuje\/","title":{"rendered":"B\u1ea3o hi\u1ec3m trong chuy\u1ebfn c\u00f4ng t\u00e1c \u2013 bao g\u1ed3m nh\u1eefng g\u00ec?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Chuy\u1ebfn c\u00f4ng t\u00e1c \u0111\u1ebfn Ba Lan kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 mua v\u00e9, \u0111\u1eb7t ch\u1ed7 \u1edf v\u00e0 l\u00ean l\u1ecbch c\u00e1c cu\u1ed9c h\u1ecdp. Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u1ebfn Ba Lan v\u00ec m\u1ee5c \u0111\u00edch c\u00f4ng vi\u1ec7c \u2013 \u0111\u1ec3 tham gia kh\u00f3a \u0111\u00e0o t\u1ea1o, \u0111\u00e0m ph\u00e1n kinh doanh ho\u1eb7c l\u00e0m vi\u1ec7c \u2013 n\u00ean ki\u1ec3m tra k\u1ef9 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cung c\u1ea5p trong th\u1eddi gian l\u01b0u tr\u00fa. B\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i (KLC) c\u00f3 th\u1ec3 chi tr\u1ea3 <strong>chi ph\u00ed c\u1ea5p c\u1ee9u y t\u1ebf<\/strong> trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh ho\u1eb7c g\u1eb7p tai n\u1ea1n, tuy nhi\u00ean ch\u1ec9 trong ph\u1ea1m vi g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn v\u00e0 tu\u00e2n theo c\u00e1c \u0111i\u1ec1u ki\u1ec7n quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111a n\u0103ng ph\u00f9 h\u1ee3p v\u1edbi m\u1ecdi chuy\u1ebfn c\u00f4ng t\u00e1c. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t bao g\u1ed3m: ph\u1ea1m vi b\u1ea3o hi\u1ec3m, 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 tr\u00e1ch nhi\u1ec7m v\u00e0 th\u1ee7 t\u1ee5c khai b\u00e1o s\u1ef1 c\u1ed1. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1ch so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p l\u01b0u tr\u00fa m\u1ed9t n\u0103m t\u1ea1i Ba Lan ho\u1eb7c t\u1ea1i Ba Lan v\u00e0 khu v\u1ef1c Schengen.<\/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<li><a href=\"#kiedy-klc-pasuje-do-podrozy-sluzbowej\">Khi n\u00e0o KLC ph\u00f9 h\u1ee3p cho chuy\u1ebfn c\u00f4ng t\u00e1c<\/a><\/li>\n\n\n\n<li><a href=\"#co-moze-obejmowac-ochrona\">B\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng g\u00ec<\/a><\/li>\n\n\n\n<li><a href=\"#porownanie-cen-klc\">So s\u00e1nh gi\u00e1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m KLC trong 12 th\u00e1ng<\/a><\/li>\n\n\n\n<li><a href=\"#jak-wybrac-polise-na-delegacje\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho chuy\u1ebfn c\u00f4ng t\u00e1c<\/a><\/li>\n\n\n\n<li><a href=\"#jak-przygotowac-sie-do-zgloszenia-zdarzenia\">C\u00e1ch chu\u1ea9n b\u1ecb \u0111\u1ec3 b\u00e1o c\u00e1o s\u1ef1 c\u1ed1<\/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<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kiedy-klc-pasuje-do-podrozy-sluzbowej\">Khi n\u00e0o KLC ph\u00f9 h\u1ee3p cho chuy\u1ebfn c\u00f4ng t\u00e1c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KLC l\u00e0 gi\u1ea3i ph\u00e1p d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang l\u01b0u tr\u00fa t\u1ea1i Ba Lan, nh\u1eb1m \u0111\u1ea3m b\u1ea3o chi ph\u00ed cho c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf c\u1ea7n thi\u1ebft do b\u1ec7nh t\u1eadt \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n. Gi\u1ea3i ph\u00e1p n\u00e0y c\u0169ng c\u00f3 th\u1ec3 c\u00f3 \u00fd ngh\u0129a trong tr\u01b0\u1eddng h\u1ee3p \u0111i c\u00f4ng t\u00e1c t\u1ea1i Ba Lan, tuy nhi\u00ean m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn \u0111i kh\u00f4ng thay th\u1ebf cho ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a tr\u00ean thu\u1eadt ng\u1eef \u201echuy\u1ebfn c\u00f4ng t\u00e1c\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n x\u00e1c \u0111\u1ecbnh l\u1ed9 tr\u00ecnh. N\u1ebfu ng\u01b0\u1eddi lao \u0111\u1ed9ng ch\u1ec9 l\u01b0u tr\u00fa t\u1ea1i Ba Lan, h\u1ecd c\u1ea7n b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m Ba Lan. N\u1ebfu trong n\u0103m \u0111\u00f3 ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u0169ng c\u00f3 k\u1ebf ho\u1ea1ch \u0111i \u0111\u1ebfn c\u00e1c qu\u1ed1c gia kh\u00e1c thu\u1ed9c khu v\u1ef1c Schengen, ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ee7a b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch \u0111\u00f3. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u00f9ng kh\u1edbp v\u1edbi h\u00e0nh tr\u00ecnh th\u1ef1c t\u1ebf t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u h\u1ecfi th\u1ee9 hai li\u00ean quan \u0111\u1ebfn t\u00ednh ch\u1ea5t c\u1ee7a c\u00e1c ngh\u0129a v\u1ee5. C\u00e1c h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong vi\u1ec7c so s\u00e1nh gi\u00e1 kh\u00f4ng bao g\u1ed3m vi\u1ec7c m\u1edf r\u1ed9ng sang lao \u0111\u1ed9ng th\u1ec3 ch\u1ea5t. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 r\u1ee7i ro \u0111\u00f3 t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. N\u1ebfu vi\u1ec7c c\u1eed \u0111i c\u00f4ng t\u00e1c li\u00ean quan \u0111\u1ebfn l\u1eafp \u0111\u1eb7t, l\u00e0m vi\u1ec7c t\u1ea1i c\u00f4ng tr\u01b0\u1eddng, v\u1eadn h\u00e0nh m\u00e1y m\u00f3c ho\u1eb7c c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u1ec3 ch\u1ea5t kh\u00e1c, <strong>c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra ri\u00eang bi\u1ec7t<\/strong> tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p l\u01b0u tr\u00fa d\u00e0i h\u1ea1n, b\u1ea1n n\u00ean chu\u1ea9n b\u1ecb s\u1eb5n KLC c\u00f9ng v\u1edbi c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Nh\u1eefng th\u00f4ng tin sau \u0111\u00e2y s\u1ebd r\u1ea5t h\u1eefu \u00edch: <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/bao-hiem-re-nhat-cho-nguoi-nuoc-ngoai-de-xin-visa-va-the-cu-tru-truc-tuyen\/\">B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a> v\u00e0 v\u1ec1 <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 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a>. Tuy nhi\u00ean, m\u1ed7i m\u1ee5c ti\u00eau n\u00e0y \u0111\u1ec1u \u0111\u00f2i h\u1ecfi ph\u1ea3i ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u ki\u1ec7n hi\u1ec7n t\u1ea1i c\u1ee7a ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-moze-obejmowac-ochrona\">B\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng g\u00ec<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m KLC kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 r\u1ed9ng h\u01a1n so v\u1edbi nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c n\u00eau trong v\u0103n b\u1ea3n c\u1ee5 th\u1ec3. Trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Compensa n\u0103m 2026 li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c khi ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u0111\u00e3 l\u1ef1a ch\u1ecdn ph\u1ea1m vi n\u00e0y. Ph\u1ea1m vi n\u00e0y bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf \u0111\u1ed1i v\u1edbi b\u1ec7nh t\u1eadt ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n x\u1ea3y ra t\u1ea1i Ba Lan, m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa. Do \u0111\u00f3, c\u00e1c y\u1ebfu t\u1ed1 then ch\u1ed1t l\u00e0 <strong>ph\u1ea1m vi \u0111\u00e3 ch\u1ecdn<\/strong> v\u00e0 <strong>ph\u1ea3i \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, c\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa vi\u1ec7c b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p v\u00e0 k\u1ef3 v\u1ecdng v\u1ec1 vi\u1ec7c ti\u1ebfp c\u1eadn th\u01b0\u1eddng xuy\u00ean c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf t\u01b0 nh\u00e2n. KLC kh\u00f4ng ph\u1ea3i l\u00e0 g\u00f3i \u0111\u0103ng k\u00fd y t\u1ebf. \u0110\u1ed1i v\u1edbi nh\u00e2n vi\u00ean \u0111\u01b0\u1ee3c c\u1eed \u0111i c\u00f4ng t\u00e1c, m\u1ed9t \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u h\u1ee3p l\u00fd l\u00e0 t\u1ef1 \u0111\u1eb7t c\u00e2u h\u1ecfi: li\u1ec7u ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi khu v\u1ef1c l\u01b0u tr\u00fa, t\u00ednh ch\u1ea5t c\u00f4ng vi\u1ec7c \u0111ang th\u1ef1c hi\u1ec7n c\u0169ng nh\u01b0 nh\u1eefng h\u1eadu qu\u1ea3 ti\u1ec1m \u1ea9n c\u1ee7a b\u1ec7nh t\u1eadt ho\u1eb7c tai n\u1ea1n \u0111\u1ed9t ng\u1ed9t hay kh\u00f4ng?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c thi\u1ebft l\u1eadp c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m. Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020 <strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m x\u00e1c \u0111\u1ecbnh m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m<\/strong> \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 c\u00f3 c\u00f9ng ch\u1ee9c n\u0103ng \u0111\u1ed1i v\u1edbi c\u00e1c ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 ch\u00fang \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 chi tr\u1ea3 s\u1ebd l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a ho\u1eb7c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 t\u01b0\u01a1ng \u1ee9ng. Do \u0111\u00f3, con s\u1ed1 cao \u0111\u01b0\u1ee3c ghi tr\u00ean trang \u0111\u1ea7u c\u1ee7a b\u1ea3n ch\u00e0o b\u1ea3o hi\u1ec3m ch\u01b0a ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 m\u1ecdi th\u00f4ng tin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1ea7n ki\u1ec3m tra xem trong t\u1ed5ng m\u1ee9c b\u1ea3o hi\u1ec3m ch\u00ednh c\u00f3 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ri\u00eang bi\u1ec7t hay kh\u00f4ng v\u00e0 ch\u00fang \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m sau khi \u0111\u00e3 chi tr\u1ea3 m\u1ed9t l\u1ea7n tr\u01b0\u1edbc \u0111\u00f3. Kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh t\u1eeb m\u1ed9t B\u1ed9 Quy t\u1eafc B\u1ea3o hi\u1ec3m Chung (OWU) sang B\u1ed9 Quy t\u1eafc B\u1ea3o hi\u1ec3m Chung kh\u00e1c. Lu\u00f4n ki\u1ec3m tra c\u00e1c quy \u0111\u1ecbnh trong B\u1ed9 Quy t\u1eafc B\u1ea3o hi\u1ec3m Chung c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00e3 ch\u1ecdn, v\u00ec kh\u00f4ng ph\u1ea3i s\u1ea3n ph\u1ea9m n\u00e0o c\u0169ng ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin chi ti\u1ebft v\u1ec1 c\u00e1c chuy\u1ebfn \u0111i nh\u01b0 th\u1ebf n\u00e0y, h\u00e3y tham kh\u1ea3o c\u1ea9m nang v\u1ec1 <a href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/bao-hiem-y-te-trong-chuyen-cong-tac\/\">c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf trong c\u00e1c chuy\u1ebfn c\u00f4ng t\u00e1c<\/a>. Khi l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n, b\u1ea1n c\u0169ng n\u00ean t\u00ecm hi\u1ec3u l\u00fd do t\u1ea1i sao <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\/\">\u0110\u00e1nh gi\u00e1 v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf gi\u00e1 r\u1ebb<\/a> kh\u00f4ng n\u00ean ch\u1ec9 d\u1eebng l\u1ea1i \u1edf m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"porownanie-cen-klc\">So s\u00e1nh gi\u00e1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m KLC trong 12 th\u00e1ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c m\u1ee9c gi\u00e1 \u0111\u01b0\u1ee3c l\u1ea5y t\u1eeb c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n tr\u1ef1c tuy\u1ebfn c\u1ee7a c\u00e1c nh\u00e0 cung c\u1ea5p v\u00e0 \u0111\u01b0\u1ee3c tra c\u1ee9u v\u00e0o ng\u00e0y 26 th\u00e1ng 10 n\u0103m 2026. C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c so s\u00e1nh bao g\u1ed3m: b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m cho m\u1ed9t ng\u01b0\u1eddi 30 tu\u1ed5i t\u1ea1i Ba Lan v\u00e0 b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m t\u1ea1i Ba Lan v\u00e0 khu v\u1ef1c Schengen; trong c\u1ea3 hai tr\u01b0\u1eddng h\u1ee3p, m\u1ee9c chi ph\u00ed y t\u1ebf \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u00e0 kh\u00f4ng bao g\u1ed3m b\u1ea3o hi\u1ec3m cho c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay. Trong m\u1ed7i g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y, Polisarium \u0111\u1ec1u c\u00f3 m\u1ee9c gi\u00e1 r\u1ebb nh\u1ea5t; c\u00e1c b\u1ea3ng so s\u00e1nh v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp s\u1ebd xu\u1ea5t hi\u1ec7n ngay d\u01b0\u1edbi \u0111o\u1ea1n v\u0103n n\u00e0y.<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"klc-porownanie__profil wp-block-paragraph\">H\u1ed3 s\u01a1 1: m\u1ed9t ng\u01b0\u1eddi 30 tu\u1ed5i, b\u1ea3o hi\u1ec3m trong 12 th\u00e1ng t\u1ea1i Ba Lan, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb 30.000 EUR, kh\u00f4ng bao g\u1ed3m b\u1ea3o hi\u1ec3m cho c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie__oferty\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group klc-oferta klc-oferta--najtansza\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"klc-oferta__etykieta wp-block-paragraph\">Gi\u00e1 th\u1ea5p nh\u1ea5t<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Polisarium<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Europ Assistance<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">481 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">iExpert<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Colonnade<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">556 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Wiener<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Wiener<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">691 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"klc-porownanie__profil wp-block-paragraph\">H\u1ed3 s\u01a1 2: m\u1ed9t ng\u01b0\u1eddi 30 tu\u1ed5i, b\u1ea3o hi\u1ec3m trong 12 th\u00e1ng t\u1ea1i Ba Lan v\u00e0 khu v\u1ef1c Schengen, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb 30.000 EUR, kh\u00f4ng bao g\u1ed3m lao \u0111\u1ed9ng ch\u00e2n tay<\/p>\n\n\n\n<div class=\"wp-block-group klc-porownanie__oferty\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group klc-oferta klc-oferta--najtansza\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"klc-oferta__etykieta wp-block-paragraph\">Gi\u00e1 th\u1ea5p nh\u1ea5t<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">Polisarium<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Europ Assistance<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">609 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group klc-oferta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__sprzedawca wp-block-paragraph\">iExpert<\/p>\n\n\n\n<p class=\"klc-oferta__polisa wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Colonnade<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"klc-oferta__cena wp-block-paragraph\">612 z\u0142<\/p>\n\n\n\n<p class=\"klc-oferta__okres wp-block-paragraph\">trong 12 th\u00e1ng t\u1edbi<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"klc-porownanie__uwaga wp-block-paragraph\">Gi\u00e1 \u0111\u01b0\u1ee3c l\u1ea5y t\u1eeb c\u00e1c c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n tr\u1ef1c tuy\u1ebfn c\u1ee7a c\u00e1c nh\u00e0 cung c\u1ea5p, c\u1eadp nh\u1eadt \u0111\u1ebfn ng\u00e0y 26\/10\/2026. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\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<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Quan tr\u1ecdng:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u00e1 c\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, v\u00e0 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u00f3 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb kh\u00e1c nhau. <strong>Ch\u1ec9 ri\u00eang gi\u00e1 c\u1ea3 th\u00f4i th\u00ec ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 l\u1ef1a ch\u1ecdn m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong> \u2014 Tr\u01b0\u1edbc khi mua, b\u1ea1n c\u0169ng n\u00ean so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi c\u00f4ng vi\u1ec7c th\u1ef1c t\u1ebf m\u00e0 b\u1ea1n \u0111ang l\u00e0m.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-wybrac-polise-na-delegacje\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho chuy\u1ebfn c\u00f4ng t\u00e1c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c m\u00f4 t\u1ea3 chi ti\u1ebft chuy\u1ebfn \u0111i, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1eeb vi\u1ec7c s\u1eafp x\u1ebfp c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m theo gi\u00e1 c\u1ea3. H\u00e3y chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 ng\u01b0\u1eddi tham gia v\u00e0 chuy\u1ebfn \u0111i: \u0111\u1ed9 tu\u1ed5i, ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u00e1c qu\u1ed1c gia l\u01b0u tr\u00fa c\u0169ng nh\u01b0 lo\u1ea1i c\u00f4ng vi\u1ec7c s\u1ebd th\u1ef1c hi\u1ec7n. N\u1ebfu k\u1ebf ho\u1ea1ch c\u00f3 th\u1ec3 thay \u0111\u1ed5i, \u0111\u1eebng cho r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m mua cho Ba Lan s\u1ebd t\u1ef1 \u0111\u1ed9ng c\u00f3 hi\u1ec7u l\u1ef1c \u1edf m\u1ed9t qu\u1ed1c gia kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y xem qua danh s\u00e1ch d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a91f2c:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a91f2c 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-a91f2c ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a91f2c .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a91f2c 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-a91f2c 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-a91f2c 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-a91f2c .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a91f2c ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist-a91f2c .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsklc-checklist-a91f2c 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-item-terytorium-11a .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-item-terytorium-11a .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-item-terytorium-11a 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>L\u00e3nh th\u1ed5:<\/strong> H\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c \u0111\u1ecba \u0111i\u1ec3m trong l\u1ecbch tr\u00ecnh l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn hay kh\u00f4ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-item-okres-22b .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-item-okres-22b .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-item-okres-22b 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 gian b\u1ea3o v\u1ec7:<\/strong> H\u00e3y so s\u00e1nh th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi to\u00e0n b\u1ed9 th\u1eddi gian c\u00f4ng t\u00e1c, bao g\u1ed3m c\u1ea3 ng\u00e0y \u0111\u1ebfn v\u00e0 ng\u00e0y v\u1ec1.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-item-praca-33c .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-item-praca-33c .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-item-praca-33c 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>T\u00ednh ch\u1ea5t c\u00f4ng vi\u1ec7c:<\/strong> H\u00e3y ki\u1ec3m tra xem c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111ang th\u1ef1c hi\u1ec7n c\u00f3 c\u1ea7n m\u1ed9t ph\u01b0\u01a1ng \u00e1n kh\u00e1c ho\u1eb7c m\u1edf r\u1ed9ng hay kh\u00f4ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-item-zakres-44d .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-item-zakres-44d .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-item-zakres-44d 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 ki\u1ec7n:<\/strong> H\u00e3y t\u00ecm hi\u1ec3u xem s\u1ea3n ph\u1ea9m b\u1ea1n \u0111\u00e3 ch\u1ecdn bao g\u1ed3m nh\u1eefng h\u1eadu qu\u1ea3 n\u00e0o do b\u1ec7nh t\u1eadt ho\u1eb7c tai n\u1ea1n g\u00e2y ra.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-item-limity-55e .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-item-limity-55e .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-item-limity-55e 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>Gi\u1edbi h\u1ea1n:<\/strong> H\u00e3y ki\u1ec3m tra s\u1ed1 d\u01b0 ch\u00ednh, c\u00e1c h\u1ea1n m\u1ee9c ph\u1ee5 v\u00e0 c\u00e1ch th\u1ee9c c\u00e1c h\u1ea1n m\u1ee9c n\u00e0y \u0111\u01b0\u1ee3c tr\u1eeb \u0111i sau khi r\u00fat ti\u1ec1n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-item-wylaczenia-66f .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-item-wylaczenia-66f .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-item-wylaczenia-66f 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>Lo\u1ea1i tr\u1eeb:<\/strong> H\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y tr\u01b0\u1edbc khi thanh to\u00e1n, v\u00ec ch\u00fang c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo t\u1eebng \u01b0u \u0111\u00e3i.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-item-procedura-77g .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-item-procedura-77g .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-item-procedura-77g 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>Quy tr\u00ecnh h\u1ed7 tr\u1ee3:<\/strong> H\u00e3y ghi l\u1ea1i th\u00f4ng tin li\u00ean h\u1ec7 ph\u00f9 h\u1ee3p v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn v\u00e0 lu\u00f4n mang theo s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u00ean m\u00ecnh.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 th\u1ef1c t\u1ebf l\u00e0 tr\u01b0\u1eddng h\u1ee3p m\u1ed9t ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c c\u1eed sang l\u00e0m vi\u1ec7c t\u1ea1i v\u0103n ph\u00f2ng \u1edf Ba Lan trong v\u00e0i th\u00e1ng. N\u1ebfu trong th\u1eddi gian l\u01b0u tr\u00fa, ng\u01b0\u1eddi n\u00e0y \u0111\u1ed9t ng\u1ed9t m\u1eafc b\u1ec7nh c\u1ea7n \u0111\u01b0\u1ee3c c\u1ea5p c\u1ee9u ngay l\u1eadp t\u1ee9c, th\u00ec tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng ch\u1ec9 ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ednh ch\u1ea5t c\u00f4ng v\u1ee5 c\u1ee7a chuy\u1ebfn \u0111i. Y\u1ebfu t\u1ed1 then ch\u1ed1t s\u1ebd l\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, l\u00e3nh th\u1ed5 \u00e1p d\u1ee5ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). N\u1ebfu c\u00f9ng m\u1ed9t ng\u01b0\u1eddi n\u00e0y b\u1eaft \u0111\u1ea7u th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay ho\u1eb7c ti\u1ebfp t\u1ee5c h\u00e0nh tr\u00ecnh \u0111i xa h\u01a1n, th\u00ec g\u00f3i b\u1ea3o hi\u1ec3m ban \u0111\u1ea7u \u0111\u00e3 ch\u1ecdn c\u00f3 th\u1ec3 kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p v\u1edbi m\u1ee9c \u0111\u1ed9 r\u1ee7i ro th\u1ef1c t\u1ebf n\u1eefa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przygotowac-sie-do-zgloszenia-zdarzenia\">C\u00e1ch chu\u1ea9n b\u1ecb \u0111\u1ec3 b\u00e1o c\u00e1o s\u1ef1 c\u1ed1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n l\u00e0 t\u00ednh \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a th\u00f4ng tin. Theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020, \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn, trong s\u1ed1 nh\u1eefng kho\u1ea3n kh\u00e1c, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ea3i bao g\u1ed3m <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>, <strong>m\u00f4 t\u1ea3 t\u00ecnh ti\u1ebft v\u1ee5 vi\u1ec7c<\/strong>, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n chi ti\u1ebft v\u00e0 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c \u0111\u1ec1 ngh\u1ecb, c\u00f9ng v\u1edbi c\u00e1c h\u00f3a \u0111\u01a1n chi ph\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u00f3m cu\u1ed1i c\u00f9ng n\u00e0y bao g\u1ed3m c\u00e1c h\u00f3a \u0111\u01a1n, bi\u00ean lai, gi\u1ea5y ch\u1ee9ng nh\u1eadn nh\u1eadp vi\u1ec7n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung. Do \u0111\u00f3, n\u00ean thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u n\u00e0y ngay t\u1eeb \u0111\u1ea7u <strong>h\u1ed3 s\u01a1 y t\u1ebf<\/strong> i <strong>b\u1eb1ng ch\u1ee9ng v\u1ec1 c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh<\/strong>. B\u1ed9 t\u00e0i li\u1ec7u n\u00e0y \u00e1p d\u1ee5ng cho t\u00e0i li\u1ec7u UNIQA \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp; \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c, qu\u00fd kh\u00e1ch vui l\u00f2ng tu\u00e2n th\u1ee7 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 h\u01b0\u1edbng d\u1eabn khai b\u00e1o ri\u00eang c\u1ee7a t\u1eebng s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u00e2n vi\u00ean kh\u00f4ng n\u00ean \u0111\u1ee3i \u0111\u1ebfn khi k\u1ebft th\u00fac chuy\u1ebfn c\u00f4ng t\u00e1c m\u1edbi s\u1eafp x\u1ebfp c\u00e1c t\u00e0i li\u1ec7u. M\u1ed9t th\u1ef1c ti\u1ec5n t\u1ed5 ch\u1ee9c t\u1ed1t l\u00e0 l\u01b0u s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0o \u0111i\u1ec7n tho\u1ea1i, chuy\u1ec3n th\u00f4ng tin h\u1ee3p \u0111\u1ed3ng cho ng\u01b0\u1eddi ph\u1ee5 tr\u00e1ch chuy\u1ebfn c\u00f4ng t\u00e1c v\u00e0 l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u \u0111\u00e3 nh\u1eadn. M\u1eb7c d\u00f9 \u0111i\u1ec1u n\u00e0y kh\u00f4ng thay \u0111\u1ed5i c\u00e1c y\u00eau c\u1ea7u c\u1ee7a \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung, nh\u01b0ng vi\u1ec7c l\u00e0m n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro thi\u1ebfu th\u00f4ng tin c\u01a1 b\u1ea3n trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd.<\/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-obejmuje-cala-podroz-sluzbowa\">Li\u1ec7u m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 chuy\u1ebfn c\u00f4ng t\u00e1c hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u1ea7n so s\u00e1nh ph\u1ea1m vi l\u00e3nh th\u1ed5 v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u1edbi l\u1ed9 tr\u00ecnh th\u1ef1c t\u1ebf c\u1ee7a chuy\u1ebfn c\u00f4ng t\u00e1c. Vi\u1ec7c ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ebb KLC t\u1ea1i Ba Lan kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u1ec1u bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia trong h\u00e0nh tr\u00ecnh. Ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-praca-fizyczna-jest-objeta-automatycznie\">C\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay c\u00f3 \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng bao g\u1ed3m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y. C\u00e1c g\u00f3i d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong so s\u00e1nh gi\u00e1 kh\u00f4ng bao g\u1ed3m c\u00e1c c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay. N\u1ebfu nh\u00e2n vi\u00ean ph\u1ea3i th\u1ef1c hi\u1ec7n c\u00e1c c\u00f4ng vi\u1ec7c \u0111\u00f3, c\u1ea7n ki\u1ec3m tra ph\u1ea1m vi c\u00f4ng vi\u1ec7c c\u1ee5 th\u1ec3 tr\u01b0\u1edbc khi mua.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-najtansza-oferta-zawsze-bedzie-najlepsza\">Li\u1ec7u m\u1ee9c gi\u00e1 r\u1ebb nh\u1ea5t c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111i\u1ec1u n\u00e0y ch\u1ec9 d\u1ef1a tr\u00ean m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m. C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00e1c nhau v\u1ec1 ph\u1ea1m vi \u00e1p d\u1ee5ng, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i thi\u1ec3u v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Vi\u1ec7c so s\u00e1nh gi\u00e1 ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb tham kh\u1ea3o \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh v\u00e0 ng\u00e0y tra c\u1ee9u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>khu v\u1ef1c b\u1ea3o t\u1ed3n,<\/li>\n\n\n\n<li>th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9,<\/li>\n\n\n\n<li>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5,<\/li>\n\n\n\n<li>c\u00e1c \u0111i\u1ec1u kho\u1ea3n mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m,<\/li>\n\n\n\n<li>th\u1ee7 t\u1ee5c b\u00e1o c\u00e1o s\u1ef1 c\u1ed1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-oznacza-suma-ubezpieczenia\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a UNIQA \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, \u0111\u00e2y l\u00e0 m\u1ee9c gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong ph\u1ea1m vi m\u00e0 s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh. C\u00e1c kho\u1ea3n chi tr\u1ea3 s\u1ebd l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng ho\u1eb7c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, do \u0111\u00f3 c\u1ea7n ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng c\u00e1c gi\u00e1 tr\u1ecb c\u1ee5 th\u1ec3 trong g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-przy-zgloszeniu\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o khi l\u00e0m th\u1ee7 t\u1ee5c khai b\u00e1o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong th\u1ee7 t\u1ee5c do UNIQA quy \u0111\u1ecbnh, c\u00e1c t\u00e0i li\u1ec7u sau \u0111\u00e2y l\u00e0 b\u1eaft bu\u1ed9c: s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 chi ti\u1ebft s\u1ef1 c\u1ed1, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf n\u00eau r\u00f5 ch\u1ea9n \u0111o\u00e1n v\u00e0 khuy\u1ebfn ngh\u1ecb \u0111i\u1ec1u tr\u1ecb, c\u0169ng nh\u01b0 c\u00e1c h\u00f3a \u0111\u01a1n, bi\u00ean lai, gi\u1ea5y xu\u1ea5t vi\u1ec7n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n. \u0110\u1ec3 c\u00f3 danh s\u00e1ch \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u00eau c\u1ea7u, qu\u00fd kh\u00e1ch n\u00ean lu\u00f4n ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh (OWU).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"gdzie-mozna-obliczyc-skladke-klc\">C\u00f3 th\u1ec3 t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m KLC \u1edf \u0111\u00e2u?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y chu\u1ea9n b\u1ecb th\u00f4ng tin v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, khu v\u1ef1c d\u1ef1 ki\u1ebfn v\u00e0 t\u00ednh ch\u1ea5t c\u00f4ng vi\u1ec7c. <strong>Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra to\u00e0n b\u1ed9 danh m\u1ee5c s\u1ea3n ph\u1ea9m<\/strong> b\u1ea3o hi\u1ec3m, sau \u0111\u00f3 truy c\u1eadp v\u00e0o c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n s\u1ea3n ph\u1ea9m \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh.<\/p>\n\n<\/div><\/div>\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\u00cdNH PH\u00cd B\u1ea2O HI\u1ec2M KLC<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Chuy\u1ebfn c\u00f4ng t\u00e1c \u0111\u1ebfn Ba Lan kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 mua v\u00e9, \u0111\u1eb7t ch\u1ed7 \u1edf v\u00e0 l\u00ean l\u1ecbch c\u00e1c cu\u1ed9c h\u1ecdp. Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u1ebfn Ba Lan\u2026<\/p>","protected":false},"author":1,"featured_media":3945,"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":[112,114,113,111,110],"class_list":["post-3946","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rodzaje-i-porownanie-polis","tag-co-obejmuje-ubezpieczenie-sluzbowe","tag-koszty-leczenia-za-granica","tag-podroz-biznesowa-ubezpieczenie","tag-polisa-zdrowotna-delegacja","tag-ubezpieczenie-w-podrozy-sluzbowej"],"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 w podr\u00f3\u017cy s\u0142u\u017cbowej - co obejmuje?<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, co mo\u017ce obejmowa\u0107 ubezpieczenie cudzoziemca podczas podr\u00f3\u017cy s\u0142u\u017cbowej do Polski oraz jak oceni\u0107 zakres, limity i wy\u0142\u0105czenia polisy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/bao-hiem-trong-chuyen-cong-tac-bao-gom-nhung-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ubezpieczenie w podr\u00f3\u017cy s\u0142u\u017cbowej - co obejmuje?\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, co mo\u017ce obejmowa\u0107 ubezpieczenie cudzoziemca podczas podr\u00f3\u017cy s\u0142u\u017cbowej do Polski oraz jak oceni\u0107 zakres, limity i wy\u0142\u0105czenia polisy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/vi\/huong-dan\/cac-loai-va-so-sanh-cac-chinh-sach-bao-hiem\/bao-hiem-trong-chuyen-cong-tac-bao-gom-nhung-gi\/\" \/>\n<meta property=\"og:site_name\" content=\"Ubezpieczenie Cudzoziemca\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-11T15:22:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ubezpieczenie-cudzoziemca.pl\/wp-content\/uploads\/2026\/11\/ai-8a64dbf79e0e453dd90d84486d7b48b96b90db0eee7204c3b16abcbc2271e0ab.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta 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