{"id":4227,"date":"2026-10-19T11:38:54","date_gmt":"2026-10-19T09:38:54","guid":{"rendered":"https:\/\/schengeninsurance.pl\/?p=4227"},"modified":"2026-10-19T11:38:54","modified_gmt":"2026-10-19T09:38:54","slug":"so-sanh-cac-goi-bao-hiem-du-lich","status":"publish","type":"post","link":"https:\/\/schengeninsurance.pl\/vi\/poradnik\/porownania-i-recenzje-polis\/porownanie-polis-turystycznych\/","title":{"rendered":"B\u1ea3ng x\u1ebfp h\u1ea1ng c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch n\u0103m 2025 \u2013 nh\u1eefng \u01b0u \u0111\u00e3i t\u1ed1t nh\u1ea5t"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean ch\u1ecdn b\u1ea3o hi\u1ec3m du l\u1ecbch ch\u1ec9 d\u1ef1a tr\u00ean th\u1ee9 h\u1ea1ng. N\u1ebfu kh\u00f4ng c\u00f3 h\u1ed3 s\u01a1 du l\u1ecbch chung, c\u00f9ng ng\u00e0y th\u00e1ng, \u0111i\u1ec3m \u0111\u1ebfn, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi m\u1edf r\u1ed9ng, th\u00ec kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch c\u00f4ng b\u1eb1ng \u0111\u00e2u l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m \u201et\u1ed1t nh\u1ea5t\u201d. Do \u0111\u00f3, thay v\u00ec l\u1eadp m\u1ed9t b\u1ea3ng x\u1ebfp h\u1ea1ng mang t\u00ednh h\u00ecnh th\u1ee9c, ch\u00fang t\u00f4i so s\u00e1nh c\u00e1c y\u1ebfu t\u1ed1 \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn v\u00e0 c\u00f3 c\u01a1 s\u1edf t\u1eeb \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a ba c\u00f4ng ty b\u1ea3o hi\u1ec3m: Generali, TUZ Ubezpieczenia v\u00e0 Uniqa. Ch\u00fang t\u00f4i c\u0169ng h\u01b0\u1edbng d\u1eabn c\u00e1ch \u00e1p d\u1ee5ng nh\u1eefng th\u00f4ng tin n\u00e0y v\u00e0o quy\u1ebft \u0111\u1ecbnh c\u1ee7a ri\u00eang b\u1ea1n tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u1ebft lu\u1eadn quan tr\u1ecdng nh\u1ea5t r\u1ea5t \u0111\u01a1n gi\u1ea3n: <strong>M\u1ed9t b\u1ea3ng x\u1ebfp h\u1ea1ng kh\u00f4ng c\u00f3 ph\u01b0\u01a1ng ph\u00e1p lu\u1eadn chung s\u1ebd kh\u00f4ng mang l\u1ea1i k\u1ebft qu\u1ea3 r\u00f5 r\u00e0ng<\/strong>, lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t bao g\u1ed3m: ph\u1ea1m vi b\u1ea3o hi\u1ec3m, g\u00f3i b\u1ea3o hi\u1ec3m, 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 quy tr\u00ecnh x\u1eed l\u00fd sau s\u1ef1 c\u1ed1. Ch\u1ec9 sau khi ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y, ng\u01b0\u1eddi ta m\u1edbi c\u00f3 th\u1ec3 so s\u00e1nh m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cho c\u00e1c \u0111i\u1ec1u ki\u1ec7n t\u01b0\u01a1ng t\u1ef1.<\/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<ol class=\"wp-block-list\">\n\n<li><a href=\"#jak-czytac-porownanie\">T\u1ea1i sao ch\u00fang ta kh\u00f4ng s\u1eafp x\u1ebfp theo th\u1ee9 t\u1ef1 \u201et\u1eeb t\u1ed1t nh\u1ea5t\u201d?\u201d<\/a><\/li>\n\n\n<li><a href=\"#udokumentowane-roznice\">Nh\u1eefng \u0111i\u1ec1u \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a ba s\u1ea3n ph\u1ea9m n\u00e0y l\u00e0 g\u00ec?<\/a><\/li>\n\n\n<li><a href=\"#jak-dobrac-polise\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch ph\u00f9 h\u1ee3p<\/a><\/li>\n\n\n<li><a href=\"#checklista\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua v\u00e0 sau khi x\u1ea3y ra s\u1ef1 c\u1ed1<\/a><\/li>\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n\n\n<li><a href=\"#podsumowanie\">K\u1ebft lu\u1eadn v\u00e0 b\u01b0\u1edbc ti\u1ebfp theo<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-czytac-porownanie\">T\u1ea1i sao ch\u00fang ta kh\u00f4ng s\u1eafp x\u1ebfp theo th\u1ee9 t\u1ef1 \u201et\u1eeb t\u1ed1t nh\u1ea5t\u201d?\u201d<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1eeb \u201ex\u1ebfp h\u1ea1ng\u201d g\u1ee3i \u00fd r\u1eb1ng m\u1ed7i g\u00f3i d\u1ecbch v\u1ee5 \u0111\u1ec1u \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean c\u00f9ng m\u1ed9t b\u1ed9 ti\u00eau ch\u00ed. Tr\u00ean th\u1ef1c t\u1ebf, k\u1ebft qu\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c ai s\u1ebd \u0111i, \u0111i \u0111\u00e2u, trong bao l\u00e2u v\u00e0 c\u1ea7n m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 nh\u01b0 th\u1ebf n\u00e0o.<\/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>Gi\u00e1 ch\u1ec9 c\u00f3 \u00fd ngh\u0129a khi c\u00e1c gi\u1ea3 \u0111\u1ecbnh l\u00e0 gi\u1ed1ng h\u1ec7t nhau<\/strong>. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cho m\u1ed9t ng\u01b0\u1eddi kh\u00f4ng th\u1ec3 d\u00f9ng l\u00e0m c\u01a1 s\u1edf \u0111\u1ec3 t\u00ednh cho c\u1ea3 gia \u0111\u00ecnh, v\u00e0 g\u00f3i c\u01a1 b\u1ea3n kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c so s\u00e1nh v\u1edbi g\u00f3i m\u1edf r\u1ed9ng nh\u01b0 th\u1ec3 ch\u00fang cung c\u1ea5p c\u00f9ng m\u1ed9t n\u1ed9i dung.<\/p>\n\n\n<p class=\"wp-block-paragraph\">So s\u00e1nh n\u00e0y d\u1ef1a tr\u00ean c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a c\u00e1c n\u0103m kh\u00e1c nhau: \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m c\u1ee7a Generali c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 23 th\u00e1ng 6 n\u0103m 2022, t\u00e0i li\u1ec7u c\u1ee7a Uniqa thu\u1ed9c n\u0103m 2025, c\u00f2n \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ Ubezpieczenia l\u00e0 t\u1eeb n\u0103m 2026. C\u00e1c t\u00e0i li\u1ec7u n\u00e0y cho ph\u00e9p m\u00f4 t\u1ea3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3, nh\u01b0ng kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 b\u1ee9c tranh to\u00e0n c\u1ea3nh c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0o m\u1ed9t ng\u00e0y c\u1ee5 th\u1ec3. \u0110\u00e2y c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1c t\u00ednh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i. V\u00ec l\u00fd do n\u00e0y, ch\u00fang t\u00f4i kh\u00f4ng x\u1ebfp h\u1ea1ng c\u00e1c s\u1ea3n ph\u1ea9m hay g\u1eafn nh\u00e3n \u201er\u1ebb nh\u1ea5t\u201d v\u00e0 \u201et\u1ed1t nh\u1ea5t\u201d.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1c ti\u00eau ch\u00ed kh\u00e1c, h\u00e3y \u0111\u1ecdc h\u01b0\u1edbng d\u1eabn v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y, <a href=\"https:\/\/schengeninsurance.pl\/vi\/huong-dan\/so-sanh-va-danh-gia-cac-chinh-sach-bao-hiem\/bang-xep-hang-cac-goi-bao-hiem-tot-nhat-nam-2026-nen-chon-goi-nao\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0o n\u0103m 2026<\/a>. H\u00e3y coi m\u1ed7i b\u1ea3ng t\u1ed5ng h\u1ee3p l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u cho vi\u1ec7c ph\u00e2n t\u00edch, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t khuy\u1ebfn ngh\u1ecb t\u1ef1 \u0111\u1ed9ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"udokumentowane-roznice\">Nh\u1eefng \u0111i\u1ec1u \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a ba s\u1ea3n ph\u1ea9m n\u00e0y l\u00e0 g\u00ec?<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\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=\"generali-z-mysla-o-podrozy\">Generali \u201ed\u00e0nh cho nh\u1eefng chuy\u1ebfn \u0111i\u201d<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) \u201eGenerali, d\u00e0nh cho chuy\u1ebfn \u0111i\u201d, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 23 th\u00e1ng 6 n\u0103m 2022, bao g\u1ed3m c\u00e1c ph\u1ea7n ri\u00eang bi\u1ec7t li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 trong chuy\u1ebfn \u0111i n\u01b0\u1edbc ngo\u00e0i c\u0169ng nh\u01b0 c\u00e1c h\u1eadu qu\u1ea3 do tai n\u1ea1n g\u00e2y ra. \u0110\u00e2y l\u00e0 th\u00f4ng tin v\u1ec1 c\u1ea5u tr\u00fac c\u1ee7a t\u00e0i li\u1ec7u v\u00e0 c\u00e1c ph\u1ea1m vi b\u1ea3o hi\u1ec3m ri\u00eang bi\u1ec7t, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 b\u1eb1ng ch\u1ee9ng cho th\u1ea5y m\u1ecdi ph\u01b0\u01a1ng \u00e1n \u0111\u1ec1u bao g\u1ed3m c\u00e1c quy\u1ec1n l\u1ee3i gi\u1ed1ng h\u1ec7t nhau.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, khi \u0111\u00e1nh gi\u00e1 \u0111\u1ec1 xu\u1ea5t n\u00e0y, c\u1ea7n ph\u1ea3i chuy\u1ec3n t\u1eeb t\u00ean g\u1ecdi c\u1ee7a ph\u1ea1m vi sang c\u00e1c chi ti\u1ebft c\u1ee5 th\u1ec3 c\u1ee7a ph\u01b0\u01a1ng \u00e1n ph\u00f9 h\u1ee3p. <strong>T\u00ean m\u00f4-\u0111un kh\u00f4ng thay th\u1ebf cho c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1ea3o v\u1ec7<\/strong>. C\u1ea7n ki\u1ec3m tra t\u1ed5ng s\u1ed1 ti\u1ec1n, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb \u00e1p d\u1ee5ng c\u1ee5 th\u1ec3 cho h\u1ee3p \u0111\u1ed3ng \u0111ang \u0111\u01b0\u1ee3c k\u00fd k\u1ebft.<\/p>\n\n<\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\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-bezpieczna-podroz\">TUZ B\u1ea3o hi\u1ec3m \u201eH\u00e0nh tr\u00ecnh an to\u00e0n\u201d<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Trong t\u00e0i li\u1ec7u \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u201eChuy\u1ebfn \u0111i An to\u00e0n\u201d n\u0103m 2026, c\u00e1c thi\u1ec7t h\u1ea1i, t\u00ecnh tr\u1ea1ng ho\u1eb7c s\u1ef1 ki\u1ec7n \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn, c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c, c\u00f3 ch\u1ee7 \u00fd ho\u1eb7c \u0111\u01b0\u1ee3c mong \u0111\u1ee3i v\u00e0o ng\u00e0y k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea trong danh s\u00e1ch c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng m\u00f4 t\u1ea3 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u00e1c tri\u1ec7u ch\u1ee9ng c\u1ee7a c\u00e1c b\u1ec7nh l\u00fd \u0111\u00e3 c\u00f3 t\u1eeb tr\u01b0\u1edbc tr\u1edf n\u00ean tr\u1ea7m tr\u1ecdng h\u01a1n, nh\u01b0ng ch\u1ec9 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p v\u00e0 ph\u1ea1m vi \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean suy ra t\u1eeb \u0111i\u1ec1u n\u00e0y r\u1eb1ng m\u1ecdi s\u1ef1 th\u1eaft ch\u1eb7t \u0111\u1ec1u \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7. <strong>C\u1ea7n \u0111\u1ecdc \u0111i\u1ec1u kho\u1ea3n ngo\u1ea1i l\u1ec7 n\u00e0y c\u00f9ng v\u1edbi to\u00e0n b\u1ed9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 phi\u00ean b\u1ea3n c\u1ee5 th\u1ec3<\/strong>. Nh\u1eefng ng\u01b0\u1eddi coi t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe l\u00e0 m\u1ed9t ti\u00eau ch\u00ed quan tr\u1ecdng n\u00ean \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd ki\u1ec3m tra k\u1ef9 c\u00e1c \u0111\u1ecbnh ngh\u0129a, ph\u1ea1m vi v\u00e0 gi\u1edbi h\u1ea1n tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u0103n b\u1ea3n ri\u00eang bi\u1ec7t cung c\u1ea5p th\u00eam b\u1ed1i c\u1ea3nh <a href=\"https:\/\/schengeninsurance.pl\/vi\/huong-dan\/so-sanh-va-danh-gia-cac-chinh-sach-bao-hiem\/tuz-vs-europ-assistance-bao-hiem-du-lich-so-sanh\/\">So s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch c\u1ee7a TUZ v\u00e0 Europ Assistance<\/a>. Tuy nhi\u00ean, \u0111\u1eebng sao ch\u00e9p c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u1eeb m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c sang h\u1ee3p \u0111\u1ed3ng hi\u1ec7n t\u1ea1i m\u00e0 kh\u00f4ng ki\u1ec3m tra k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n<\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\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-cztery-warianty-i-rozne-sumy\">Uniqa: b\u1ed1n g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c b\u1ed3i th\u01b0\u1eddng kh\u00e1c nhau<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m du l\u1ecbch c\u1ee7a Uniqa n\u0103m 2025 li\u1ec7t k\u00ea c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m: C\u01a1 b\u1ea3n, M\u1edf r\u1ed9ng, T\u1ed1i \u01b0u v\u00e0 T\u1ed1i \u0111a. C\u00e1c g\u00f3i n\u00e0y kh\u00e1c nhau v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5. <strong>C\u00e1c th\u00f4ng s\u1ed1 c\u1ee7a m\u1ed9t bi\u1ebfn th\u1ec3 kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng cho c\u00e1c bi\u1ebfn th\u1ec3 c\u00f2n l\u1ea1i<\/strong>.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Trong b\u1ea3ng c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p c\u00f3 t\u1ed5ng m\u1ee9c l\u00e0 300.000 z\u0142 trong g\u00f3i C\u01a1 b\u1ea3n, 750.000 z\u0142 trong g\u00f3i M\u1edf r\u1ed9ng, 1.250.000 z\u0142 trong g\u00f3i T\u1ed1i \u01b0u v\u00e0 2.500.000 z\u0142 trong g\u00f3i T\u1ed1i \u0111a. <strong>\u0110\u00e2y l\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, ch\u1ee9 kh\u00f4ng ph\u1ea3i gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>. Con s\u1ed1 cao nh\u1ea5t n\u00e0y ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 m\u00f4 t\u1ea3 h\u1ebft c\u00e1c quy\u1ec1n l\u1ee3i c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n; quy\u1ebft \u0111\u1ecbnh c\u00f2n ph\u1ea3i d\u1ef1a tr\u00ean ph\u1ea1m vi v\u00e0 c\u00e1c m\u1ee9c tr\u1ea7n c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng g\u00f3i b\u1ea3o hi\u1ec3m.<\/p>\n\n<\/div><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ba v\u00ed d\u1ee5 n\u00e0y kh\u00f4ng t\u1ea1o th\u00e0nh m\u1ed9t b\u1ea3ng x\u1ebfp h\u1ea1ng. Thay v\u00e0o \u0111\u00f3, ch\u00fang cho th\u1ea5y t\u1ea1i sao vi\u1ec7c ch\u1ec9 so s\u00e1nh t\u00ean g\u1ecdi ho\u1eb7c m\u1ed9t con s\u1ed1 duy nh\u1ea5t c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn l\u1ef1a ch\u1ecdn sai l\u1ea7m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dobrac-polise\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch ph\u00f9 h\u1ee3p<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y m\u00f4 t\u1ea3 chuy\u1ebfn \u0111i, sau \u0111\u00f3 m\u1edbi xem c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m. H\u00e3y thi\u1ebft l\u1eadp m\u1ed9t b\u1ed9 ti\u00eau ch\u00ed v\u00e0 kh\u00f4ng thay \u0111\u1ed5i n\u00f3 trong qu\u00e1 tr\u00ecnh so s\u00e1nh. C\u00f9ng m\u1ed9t h\u1ed3 s\u01a1 n\u00ean \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho m\u1ecdi l\u1ea7n t\u00ednh to\u00e1n. N\u1ebfu kh\u00f4ng, s\u1ef1 ch\u00eanh l\u1ec7ch v\u1ec1 ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 xu\u1ea5t ph\u00e1t t\u1eeb vi\u1ec7c thay \u0111\u1ed5i d\u1eef li\u1ec7u, ch\u1ee9 kh\u00f4ng ph\u1ea3i do \u0111i\u1ec1u ki\u1ec7n c\u1ee7a s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea1n n\u00ean th\u1ef1c hi\u1ec7n b\u1ed1n b\u01b0\u1edbc sau:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><strong>X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau v\u00e0 l\u1ed9 tr\u00ecnh c\u1ee7a chuy\u1ebfn \u0111i.<\/strong> H\u00e3y ghi l\u1ea1i l\u1ed9 tr\u00ecnh, th\u1eddi gian kh\u1edfi h\u00e0nh, s\u1ed1 l\u01b0\u1ee3ng h\u00e0nh kh\u00e1ch v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng d\u1ef1 ki\u1ebfn.<\/li>\n\n\n<li><strong>H\u00e3y so s\u00e1nh c\u00e1c ph\u01b0\u01a1ng \u00e1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi nhau.<\/strong> H\u00e3y ki\u1ec3m tra xem b\u1ea1n c\u00f3 \u0111ang so s\u00e1nh c\u00e1c g\u00f3i c\u00f3 ph\u1ea1m vi t\u01b0\u01a1ng t\u1ef1 nhau hay kh\u00f4ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i so s\u00e1nh g\u00f3i c\u01a1 b\u1ea3n v\u1edbi g\u00f3i n\u00e2ng cao.<\/li>\n\n\n<li><strong>H\u00e3y \u0111\u1ecdc t\u1ed5ng s\u1ed1 c\u00f9ng v\u1edbi c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5.<\/strong> T\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 b\u1ea3n th\u00e2n n\u00f3 kh\u00f4ng cho bi\u1ebft m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m d\u00e0nh cho t\u1eebng lo\u1ea1i quy\u1ec1n l\u1ee3i c\u1ee5 th\u1ec3 l\u00e0 bao nhi\u00eau.<\/li>\n\n\n<li><strong>H\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 v\u00e0 ngh\u0129a v\u1ee5.<\/strong> Ch\u00ednh nh\u1eefng quy \u0111\u1ecbnh n\u00e0y n\u00eau r\u00f5 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng tr\u1ee3 c\u1ea5p v\u00e0 c\u00e1c th\u1ee7 t\u1ee5c c\u1ea7n th\u1ef1c hi\u1ec7n sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra.<\/li>\n\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang chu\u1ea9n b\u1ecb c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn vi\u1ec7c l\u01b0u tr\u00fa t\u1ea1i khu v\u1ef1c Schengen, vi\u1ec7c th\u1ea3o lu\u1eadn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y c\u00f3 th\u1ec3 s\u1ebd h\u1eefu \u00edch <a href=\"https:\/\/schengeninsurance.pl\/vi\/huong-dan\/bao-hiem-y-te-trong-khu-vuc-schengen\/5-loai-bao-hiem-schengen-hang-dau-nam-2025-danh-cho-nguoi-nuoc-ngoai\/\">Th\u1ecb th\u1ef1c Schengen d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. M\u1ee5c ti\u00eau n\u00e0y kh\u00f4ng l\u00e0m thay \u0111\u1ed5i nguy\u00ean t\u1eafc: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf c\u1ee7a ng\u01b0\u1eddi \u0111i du l\u1ecbch, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 tr\u00f4ng \u0111\u1eb9p m\u1eaft tr\u00ean gi\u1ea5y t\u1edd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng c\u00f3 hai ng\u01b0\u1eddi c\u00f9ng \u0111i du l\u1ecbch \u0111\u1ebfn m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m. M\u1ed9t ng\u01b0\u1eddi d\u1ef1 \u0111\u1ecbnh c\u00f3 m\u1ed9t k\u1ef3 ngh\u1ec9 th\u01b0 gi\u00e3n, c\u00f2n ng\u01b0\u1eddi kia l\u1ea1i c\u00f3 nh\u1eefng k\u1ebf ho\u1ea1ch ho\u1ea1t \u0111\u1ed9ng ho\u00e0n to\u00e0n kh\u00e1c. Gi\u00e1 \u0111\u01b0\u1ee3c t\u00ednh cho h\u1ed3 s\u01a1 \u0111\u1ea7u ti\u00ean kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi th\u1ee9 hai. \u0110\u00e2y l\u00e0 l\u00fd do th\u1ef1c t\u1ebf \u0111\u1ec3 b\u1ea1n kh\u00f4ng n\u00ean sao ch\u00e9p \u201eng\u01b0\u1eddi chi\u1ebfn th\u1eafng\u201d s\u1eb5n c\u00f3 trong b\u1ea3ng x\u1ebfp h\u1ea1ng, m\u00e0 n\u00ean so s\u00e1nh c\u00e1c \u01b0u \u0111\u00e3i d\u1ef1a tr\u00ean s\u1edf th\u00edch v\u00e0 nhu c\u1ea7u c\u1ee7a b\u1ea3n th\u00e2n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"checklista\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua v\u00e0 sau khi x\u1ea3y ra s\u1ef1 c\u1ed1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y ghi l\u1ea1i g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn v\u00e0 xem x\u00e9t k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan. Ki\u1ec3m tra 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 c\u0169ng nh\u01b0 quy tr\u00ecnh x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. H\u00e3y gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 khai b\u00e1o thi\u1ec7t h\u1ea1i. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd tr\u00e1nh \u0111\u01b0\u1ee3c vi\u1ec7c ph\u1ea3i t\u00ecm l\u1ea1i c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng trong t\u00ecnh hu\u1ed1ng c\u0103ng th\u1eb3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra thi\u1ec7t h\u1ea1i, ph\u1ea1m vi h\u1ed3 s\u01a1 c\u1ea7n thi\u1ebft s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng s\u1ef1 c\u1ed1 c\u1ee5 th\u1ec3. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Generali v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) y\u00eau c\u1ea7u ph\u1ea3i thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, bao g\u1ed3m b\u1ea3n m\u00f4 t\u1ea3 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb k\u00e8m theo k\u1ebft qu\u1ea3 x\u00e9t nghi\u1ec7m, v\u00e0 t\u00f9y theo ho\u00e0n c\u1ea3nh, c\u00f3 th\u1ec3 bao g\u1ed3m c\u1ea3 c\u00e1c b\u1eb1ng ch\u1ee9ng kh\u00e1c, v\u00ed d\u1ee5 nh\u01b0 bi\u00ean b\u1ea3n c\u1ee7a c\u1ea3nh s\u00e1t ho\u1eb7c bi\u00ean b\u1ea3n an to\u00e0n lao \u0111\u1ed9ng. <strong>Ghi l\u1ea1i di\u1ec5n bi\u1ebfn s\u1ef1 vi\u1ec7c ngay t\u1eeb \u0111\u1ea7u<\/strong> v\u00e0 l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh c\u00e1c t\u00ecnh ti\u1ebft li\u00ean quan \u0111\u1ebfn v\u1ee5 vi\u1ec7c \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m du l\u1ecbch Wiener n\u0103m 2024 quy \u0111\u1ecbnh r\u1eb1ng sau khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 s\u1ef1 c\u1ed1, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u \u2014 t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i s\u1ef1 c\u1ed1 \u2014 c\u00e1c t\u00e0i li\u1ec7u nh\u01b0 h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb, danh s\u00e1ch t\u00e0i s\u1ea3n b\u1ecb h\u01b0 h\u1ecfng, x\u00e1c nh\u1eadn \u0111\u00e3 tr\u00ecnh b\u00e1o v\u1edbi c\u1ea3nh s\u00e1t, l\u1eddi khai c\u1ee7a nh\u00e2n ch\u1ee9ng, b\u1ea3ng d\u1ef1 to\u00e1n chi ph\u00ed ho\u1eb7c h\u00f3a \u0111\u01a1n. Kh\u00f4ng ph\u1ea3i m\u1ecdi t\u00e0i li\u1ec7u \u0111\u1ec1u \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, do \u0111\u00f3 qu\u00fd kh\u00e1ch n\u00ean tu\u00e2n th\u1ee7 th\u1ee7 t\u1ee5c ph\u00f9 h\u1ee3p v\u1edbi s\u1ef1 c\u1ed1 c\u1ee5 th\u1ec3 v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Danh s\u00e1ch nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb7a453b7-checklist-purchase:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb7a453b7-checklist-purchase 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-itemsb7a453b7-checklist-purchase ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb7a453b7-checklist-purchase .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb7a453b7-checklist-purchase ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsb7a453b7-checklist-purchase 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-itemsb7a453b7-checklist-purchase ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb7a453b7-checklist-purchase .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb7a453b7-checklist-purchase ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb7a453b7-checklist-purchase .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsb7a453b7-checklist-purchase 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-b7a453b7-purchase-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b7a453b7-purchase-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-b7a453b7-purchase-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>Th\u00f4ng tin chuy\u1ebfn \u0111i:<\/strong> T\u1ea5t c\u1ea3 c\u00e1c t\u00ednh to\u00e1n \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n cho c\u00f9ng m\u1ed9t h\u01b0\u1edbng, c\u00f9ng m\u1ed9t kho\u1ea3ng th\u1eddi gian v\u00e0 c\u00f9ng m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b7a453b7-purchase-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b7a453b7-purchase-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-b7a453b7-purchase-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>Ph\u01b0\u01a1ng \u00e1n:<\/strong> C\u00e1c \u0111\u1ec1 xu\u1ea5t \u0111\u01b0\u1ee3c so s\u00e1nh \u0111\u1ec1u c\u00f3 ph\u1ea1m vi \u0111\u01b0\u1ee3c n\u00eau r\u00f5 r\u00e0ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b7a453b7-purchase-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b7a453b7-purchase-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-b7a453b7-purchase-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>Gi\u1edbi h\u1ea1n:<\/strong> T\u1ed5ng s\u1ed1 ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m tra c\u00f9ng v\u1edbi c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b7a453b7-purchase-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b7a453b7-purchase-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-b7a453b7-purchase-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>Lo\u1ea1i tr\u1eeb:<\/strong> \u0111\u00e3 \u0111\u1ecdc c\u00e1c quy \u0111\u1ecbnh quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn s\u1ee9c kh\u1ecfe v\u00e0 k\u1ebf ho\u1ea1ch chuy\u1ebfn \u0111i.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b7a453b7-purchase-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b7a453b7-purchase-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-b7a453b7-purchase-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\"><strong>Quy tr\u00ecnh:<\/strong> ch\u00fang ta \u0111\u00e3 bi\u1ebft n\u01a1i t\u00ecm h\u01b0\u1edbng d\u1eabn v\u00e0 nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o c\u00f3 th\u1ec3 c\u1ea7n thi\u1ebft.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/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-mozna-wskazac-najlepsza-polise-turystyczna-dla-kazdego\">Li\u1ec7u c\u00f3 th\u1ec3 ch\u1ec9 ra g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch ph\u00f9 h\u1ee3p nh\u1ea5t cho m\u1ecdi ng\u01b0\u1eddi kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. N\u1ebfu kh\u00f4ng c\u00f3 m\u1ed9t ti\u00eau chu\u1ea9n chung, c\u00e1c ti\u00eau ch\u00ed th\u1ed1ng nh\u1ea5t v\u00e0 c\u00e1c ph\u00e9p t\u00ednh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n c\u00f9ng m\u1ed9t l\u00fac, th\u00ec kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed9t b\u1ee5c vinh quang chung. <strong>L\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng chuy\u1ebfn \u0111i c\u1ee5 th\u1ec3<\/strong> v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ph\u01b0\u01a1ng \u00e1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-najwyzsza-suma-ubezpieczenia-zawsze-oznacza-najszersza-ochrone\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m r\u1ed9ng nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u \u0111\u00f3. T\u1ed5ng s\u1ed1 n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t c\u00f9ng v\u1edbi ph\u1ea1m vi, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n d\u01b0\u1edbi v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. C\u00e1c ph\u01b0\u01a1ng \u00e1n c\u1ee7a Uniqa cho th\u1ea5y s\u1ef1 kh\u00e1c bi\u1ec7t c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn nhi\u1ec1u y\u1ebfu t\u1ed1 c\u00f9ng l\u00fac, ch\u1ee9 kh\u00f4ng ch\u1ec9 m\u1ed9t con s\u1ed1 duy nh\u1ea5t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-suma-ubezpieczenia-jest-cena-polisy\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3i l\u00e0 gi\u00e1 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u00e1c m\u1ee9c 300.000 z\u0142, 750.000 z\u0142, 1.250.000 z\u0142 v\u00e0 2.500.000 z\u0142 \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c ph\u01b0\u01a1ng \u00e1n c\u1ee7a Uniqa \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ea3o lu\u1eadn l\u00e0 c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-choroba-istniejaca-przed-wyjazdem-jest-zawsze-objeta-ochrona\">B\u1ec7nh \u0111\u00e3 c\u00f3 t\u1eeb tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh c\u00f3 lu\u00f4n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn quy \u0111\u1ecbnh nh\u01b0 v\u1eady. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ Ubezpieczenia c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c lo\u1ea1i tr\u1eeb c\u00e1c b\u1ec7nh l\u00fd \u0111\u00e3 t\u1ed3n t\u1ea1i t\u1eeb tr\u01b0\u1edbc c\u0169ng nh\u01b0 ngo\u1ea1i l\u1ec7 c\u00f3 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ed1i v\u1edbi vi\u1ec7c c\u00e1c tri\u1ec7u ch\u1ee9ng tr\u1edf n\u00ean tr\u1ea7m tr\u1ecdng h\u01a1n trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. <strong>C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng s\u1eafp \u0111\u01b0\u1ee3c k\u00fd k\u1ebft l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-po-szkodzie\">Nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o c\u00f3 th\u1ec3 c\u1ea7n thi\u1ebft sau khi x\u1ea3y ra s\u1ef1 c\u1ed1?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i s\u1ef1 c\u1ed1. C\u00f3 th\u1ec3 c\u1ea7n c\u00e1c gi\u1ea5y t\u1edd \u0111i\u1ec1u tr\u1ecb, h\u00f3a \u0111\u01a1n, b\u1ea3ng d\u1ef1 to\u00e1n chi ph\u00ed, th\u00f4ng tin v\u1ec1 t\u00e0i s\u1ea3n b\u1ecb h\u01b0 h\u1ecfng ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn t\u1eeb c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n. B\u1ea1n n\u00ean t\u00ecm hi\u1ec3u tr\u01b0\u1edbc <a href=\"https:\/\/schengeninsurance.pl\/vi\/huong-dan\/so-sanh-va-danh-gia-cac-chinh-sach-bao-hiem\/cac-van-de-lien-quan-den-thi-thuc-schengen-8-sai-sot-can-luu-y-truoc-khi-khoi-hanh\/\">Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p khi l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m Schengen<\/a>, \u0111\u1ec3 kh\u00f4ng tr\u00ec ho\u00e3n vi\u1ec7c ki\u1ec3m tra c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft cho \u0111\u1ebfn sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-warto-porownywac-tylko-cene\">C\u00f3 n\u00ean ch\u1ec9 so s\u00e1nh gi\u00e1 c\u1ea3 th\u00f4i kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. <strong>Ch\u1ec9 n\u00ean so s\u00e1nh m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m sau khi \u0111\u00e3 \u0111\u1ea3m b\u1ea3o ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u0111\u01b0\u01a1ng<\/strong>. L\u1ef1a ch\u1ecdn r\u1ebb h\u01a1n c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn m\u1ed9t ph\u01b0\u01a1ng \u00e1n, m\u1ee9c gi\u1edbi h\u1ea1n ho\u1eb7c g\u00f3i d\u1ecbch v\u1ee5 kh\u00e1c, do \u0111\u00f3 ch\u1ec9 d\u1ef1a v\u00e0o gi\u00e1 c\u1ea3 th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"podsumowanie\">K\u1ebft lu\u1eadn v\u00e0 b\u01b0\u1edbc ti\u1ebfp theo<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c so s\u00e1nh c\u00f4ng b\u1eb1ng c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch kh\u00f4ng b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c ph\u00e2n b\u1ed5 ch\u1ed7. N\u00f3 b\u1eaft \u0111\u1ea7u t\u1eeb c\u00e1c th\u00f4ng tin chuy\u1ebfn \u0111i gi\u1ed1ng h\u1ec7t nhau, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u00e0 vi\u1ec7c ph\u00e2n t\u00edch \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU). Trong c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, c\u00f3 th\u1ec3 th\u1ea5y c\u00e1c c\u00e1ch m\u00f4 t\u1ea3 kh\u00e1c nhau v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 c\u00e1c th\u1ee7 t\u1ee5c. <strong>Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y kh\u00f4ng \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 x\u1ebfp h\u1ea1ng theo gi\u00e1<\/strong>, nh\u01b0ng ch\u00fang gi\u00fap b\u1ea1n x\u00e1c \u0111\u1ecbnh nh\u1eefng \u0111i\u1ec1u c\u1ea7n h\u1ecfi tr\u01b0\u1edbc khi mua h\u00e0ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y chu\u1ea9n b\u1ecb th\u00f4ng tin chuy\u1ebfn \u0111i, ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft, so s\u00e1nh c\u00e1c m\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u00f9ng v\u1edbi c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Sau \u0111\u00f3, ti\u1ebfn h\u00e0nh t\u00ednh to\u00e1n d\u1ef1a tr\u00ean c\u00e1c gi\u1ea3 \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1.<\/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:\/\/polisarium.pl\/\" target=\"_blank\" rel=\"noopener noreferrer\">XEM C\u00c1C G\u00d3I B\u1ea2O HI\u1ec2M HI\u1ec6N C\u00d3<\/a><\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00fat n\u00e0y s\u1ebd d\u1eabn b\u1ea1n \u0111\u1ebfn bi\u1ec3u m\u1eabu tr\u00ean trang web c\u1ee7a Polisarium. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f4ng c\u1ee5 so s\u00e1nh \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c, do \u0111\u00f3 n\u00fat n\u00e0y kh\u00f4ng h\u1ee9a h\u1eb9n s\u1ebd t\u1ef1 \u0111\u1ed9ng x\u1ebfp h\u1ea1ng hay ch\u1ec9 ra m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t.<\/p>","protected":false},"excerpt":{"rendered":"<p>Kh\u00f4ng n\u00ean ch\u1ecdn b\u1ea3o hi\u1ec3m du l\u1ecbch ch\u1ec9 d\u1ef1a tr\u00ean th\u1ee9 h\u1ea1ng. N\u1ebfu kh\u00f4ng c\u00f3 c\u00f9ng h\u1ed3 s\u01a1 du l\u1ecbch, c\u00f9ng ng\u00e0y \u0111i, c\u00f9ng \u0111i\u1ec3m \u0111\u1ebfn, c\u00f9ng m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0\u2026<\/p>","protected":false},"author":1,"featured_media":4226,"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":[15],"tags":[93,92,91,94,95,96],"class_list":["post-4227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-porownania-i-recenzje-polis","tag-generali-ubezpieczenia","tag-owu-ubezpieczen","tag-polisy-turystyczne","tag-tuz-ubezpieczenia","tag-uniqa-ubezpieczenia","tag-wybor-ubezpieczenia"],"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>Por\u00f3wnanie polis turystycznych 2025: Generali, TUZ, Uniqa<\/title>\n<meta name=\"description\" content=\"Por\u00f3wnanie polis turystycznych: analiza zapis\u00f3w OWU Generali, TUZ i Uniqa. 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