{"id":4230,"date":"2026-10-21T07:07:51","date_gmt":"2026-10-21T05:07:51","guid":{"rendered":"https:\/\/schengeninsurance.pl\/?p=4230"},"modified":"2026-10-21T07:07:51","modified_gmt":"2026-10-21T05:07:51","slug":"bao-hiem-y-te-schengen-cach-doc-hop-dong-bao-hiem-va-dieu-khoan-bao-hiem","status":"publish","type":"post","link":"https:\/\/schengeninsurance.pl\/vi\/poradnik\/ubezpieczenia-zdrowotne-w-strefie-schengen\/ubezpieczenie-zdrowotne-schengen-jak-czytac-polise-i-owu\/","title":{"rendered":"B\u1ea3o hi\u1ec3m y t\u1ebf Schengen \u2013 c\u00e1c y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u l\u00e0 g\u00ec?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m y t\u1ebf Schengen \u2014 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean \u0111\u00e1nh gi\u00e1 g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn \u0111\u1ec3 n\u1ed9p k\u00e8m h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean s\u1ea3n ph\u1ea9m. Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n x\u00e1c \u0111\u1ecbnh c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p, sau \u0111\u00f3 so s\u00e1nh ch\u00fang v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung. <strong>Ph\u1ea1m vi b\u1ea3o v\u1ec7 th\u1ef1c t\u1ebf l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng t\u1eeb \u201eSchengen\u201d trong ph\u1ea7n m\u00f4 t\u1ea3 \u01b0u \u0111\u00e3i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong h\u01b0\u1edbng d\u1eabn n\u00e0y, ch\u00fang t\u00f4i s\u1ebd ch\u1ec9 cho b\u1ea1n c\u00e1ch th\u1ef1c hi\u1ec7n vi\u1ec7c ki\u1ec3m tra n\u00e0y m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i ph\u1ecfng \u0111o\u00e1n v\u1ec1 s\u1ed1 ti\u1ec1n, ph\u1ea1m vi b\u1ea3o hi\u1ec3m hay c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7. Ch\u00fang t\u00f4i c\u0169ng s\u1ebd gi\u1ea3i th\u00edch nh\u1eefng th\u00f4ng tin n\u00e0o c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y trong c\u00e1c t\u00e0i li\u1ec7u s\u1ea3n ph\u1ea9m c\u1ee7a Compensa v\u00e0 Uniqa, c\u0169ng nh\u01b0 nh\u1eefng d\u1eef li\u1ec7u n\u00e0o c\u1ea7n l\u01b0u gi\u1eef \u0111\u1ec3 \u0111\u1ec1 ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m ho\u1eb7c g\u1eb7p tai n\u1ea1n. <strong>H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u m\u1edbi nh\u1ea5t<\/strong> li\u00ean quan \u0111\u1ebfn ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn v\u00e0 quy tr\u00ecnh c\u1ee7a m\u00ecnh.<\/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=\"#minimalne-wymagania\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ph\u00e2n bi\u1ec7t c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u00ecnh th\u1ee9c v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n\n<li><a href=\"#zakres-ochrony\">N\u00ean ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0o tr\u01b0\u1edbc ti\u00ean?<\/a><\/li>\n\n\n\n<li><a href=\"#sumy-i-podlimity\">C\u00e1ch hi\u1ec3u v\u1ec1 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5<\/a><\/li>\n\n\n\n<li><a href=\"#kontrola-polisy\">Ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua<\/a><\/li>\n\n\n\n<li><a href=\"#zgloszenie-zdarzenia\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra 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<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"minimalne-wymagania\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ph\u00e2n bi\u1ec7t c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u00ecnh th\u1ee9c v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ebd kh\u00f4ng c\u00f3 \u00fd ngh\u0129a g\u00ec n\u1ebfu b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c so s\u00e1nh gi\u00e1 c\u1ea3 khi v\u1eabn ch\u01b0a r\u00f5 t\u00e0i li\u1ec7u \u0111\u00f3 ph\u1ea3i \u0111\u00e1p \u1ee9ng nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0o trong tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. C\u1ea7n ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u00ecnh th\u1ee9c \u0111\u1ed1i v\u1edbi th\u1ee7 t\u1ee5c ph\u00f9 h\u1ee3p, c\u00f2n c\u00e1c th\u00f4ng s\u1ed1 c\u1ee7a s\u1ea3n ph\u1ea9m th\u00ec c\u1ea7n xem trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung. \u0110\u00e2y l\u00e0 hai giai \u0111o\u1ea1n ri\u00eang bi\u1ec7t. <strong>V\u0103n b\u1ea3n ch\u00ednh th\u1ee9c quy \u0111\u1ecbnh c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u00ecnh th\u1ee9c<\/strong>, trong khi c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m cho th\u1ea5y c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u01b0\u1edbng d\u1eabn n\u00e0y kh\u00f4ng quy \u0111\u1ecbnh c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u00ecnh th\u1ee9c \u0111\u1ed1i v\u1edbi m\u1ed9t th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3. Thay v\u00e0o \u0111\u00f3, h\u01b0\u1edbng d\u1eabn n\u00e0y ch\u1ec9 ra c\u00e1ch ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) d\u1ef1a tr\u00ean c\u00e1c y\u00eau c\u1ea7u \u0111\u00e3 n\u00eau. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 b\u1eb1ng ch\u1ee9ng cho th\u1ea5y th\u00f4ng s\u1ed1 t\u01b0\u01a1ng t\u1ef1 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong m\u1ecdi th\u1ee7 t\u1ee5c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y ghi l\u1ea1i c\u00e2u tr\u1ea3 l\u1eddi cho b\u1ed1n c\u00e2u h\u1ecfi sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-1 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-items3b632-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items3b632-list-1 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-items3b632-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items3b632-list-1 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-3b632-list-1-item-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-1-item-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-3b632-list-1-item-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\">ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho tr\u01b0\u1eddng h\u1ee3p n\u00e0o;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-1-item-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-1-item-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-3b632-list-1-item-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\">T\u00e0i li\u1ec7u n\u00e0y s\u1ebd bao g\u1ed3m kho\u1ea3ng th\u1eddi gian n\u00e0o;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-1-item-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-1-item-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-3b632-list-1-item-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\">Khu v\u1ef1c n\u00e0o ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o ph\u1ea1m vi b\u1ea3o v\u1ec7;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-1-item-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-1-item-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-3b632-list-1-item-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\">c\u00e1c y\u1ebfu t\u1ed1 n\u00e0o trong ph\u1ea1m vi v\u00e0 c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh n\u00e0o l\u00e0 b\u1eaft bu\u1ed9c.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 khi c\u00f3 b\u1ed9 s\u1ea3n ph\u1ea9m nh\u01b0 v\u1eady th\u00ec m\u1edbi c\u00f3 th\u1ec3 xem x\u00e9t c\u00e1c \u01b0u \u0111\u00e3i \u0111\u01b0\u1ee3c. <strong>\u0110\u1eebng cho r\u1eb1ng s\u1ea3n ph\u1ea9m t\u01b0\u01a1ng th\u00edch ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean g\u1ecdi c\u1ee7a n\u00f3<\/strong>. N\u1ebfu c\u00f3 b\u1ea5t k\u1ef3 \u0111i\u1ec1u kho\u1ea3n n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung, th\u00ec c\u1ea7n ph\u1ea3i x\u00e1c nh\u1eadn \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m c\u00f3 th\u1ec3 gi\u00fap \u00edch cho nh\u1eefng ng\u01b0\u1eddi \u0111ang t\u00ecm ki\u1ebfm s\u1ef1 b\u1ea3o v\u1ec7 li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u01b0 tr\u00fa t\u1ea1i Ba Lan <a href=\"https:\/\/schengeninsurance.pl\/vi\/bao-hiem-cho-nguoi-nuoc-ngoai\/\">b\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i l\u00e0m, trang web chuy\u00ean v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y c\u0169ng c\u00f3 th\u1ec3 h\u1eefu \u00edch <a href=\"https:\/\/schengeninsurance.pl\/vi\/bao-hiem-cho-nguoi-nuoc-ngoai-lam-viec-tai-ba-lan-va-khu-vuc-schengen\/\">b\u1ea3o v\u1ec7 d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0m vi\u1ec7c t\u1ea1i Ba Lan<\/a>. C\u00e1c trang n\u00e0y nh\u1eb1m m\u1ee5c \u0111\u00edch gi\u00fap qu\u00fd v\u1ecb l\u1ef1a ch\u1ecdn s\u01a1 b\u1ed9 gi\u1ea3i ph\u00e1p \u2013 c\u00e1c quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u01b0a ra d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zakres-ochrony\">N\u00ean ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0o tr\u01b0\u1edbc ti\u00ean?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m xu\u1ea5t ph\u00e1t n\u00ean l\u00e0 nh\u1eefng t\u00ecnh hu\u1ed1ng c\u1ea7n \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 ngay l\u1eadp t\u1ee9c: b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a m\u1ed9t v\u1ee5 tai n\u1ea1n. <strong>C\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1ec3 thay th\u1ebf cho vi\u1ec7c ch\u0103m s\u00f3c y t\u1ebf theo k\u1ebf ho\u1ea1ch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5 n\u00e0y li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u kho\u1ea3n v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a Compensa, tr\u00edch t\u1eeb t\u00e0i li\u1ec7u mang s\u1ed1 hi\u1ec7u 2026. \u0110i\u1ec1u kho\u1ea3n 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 m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ti\u1ebfn h\u00e0nh ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. \u0110\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a s\u1ea3n ph\u1ea9m: ch\u1ec9 \u00e1p d\u1ee5ng cho \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c n\u00eau ra, ch\u1ee9 kh\u00f4ng \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n n\u00e0y c\u0169ng quy \u0111\u1ecbnh vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 y t\u1ebf v\u00e0 chi tr\u1ea3 c\u00e1c chi ph\u00ed li\u00ean quan cho \u0111\u1ebfn khi t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m cho ph\u00e9p h\u1ecd tr\u1edf v\u1ec1 ho\u1eb7c \u0111\u01b0\u1ee3c v\u1eadn chuy\u1ec3n v\u1ec1 n\u01b0\u1edbc th\u01b0\u1eddng tr\u00fa. <strong>Vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 v\u00e0 t\u00e0i tr\u1ee3 chi ph\u00ed l\u00e0 nh\u1eefng n\u1ed9i dung thu\u1ed9c ph\u1ea1m vi c\u1ee5 th\u1ec3<\/strong>. C\u1ea7n \u0111\u1ecdc c\u00e1c quy \u0111\u1ecbnh n\u00e0y c\u00f9ng v\u1edbi b\u1ea3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean k\u1ebft lu\u1eadn t\u1eeb \u0111i\u1ec1u n\u00e0y r\u1eb1ng m\u1ecdi s\u1ea3n ph\u1ea9m \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra xem phi\u00ean b\u1ea3n b\u1ea1n quan t\u00e2m c\u00f3 m\u00f4 t\u1ea3 nh\u01b0 sau kh\u00f4ng:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-2 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-items3b632-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-2 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items3b632-list-2 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-items3b632-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-2 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-2 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items3b632-list-2 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-3b632-list-2-item-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-2-item-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-3b632-list-2-item-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\">c\u00e1c s\u1ef1 ki\u1ec7n k\u00edch ho\u1ea1t ch\u1ebf \u0111\u1ed9 b\u1ea3o v\u1ec7;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-2-item-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-2-item-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-3b632-list-2-item-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\">c\u00e1ch th\u1ee9c t\u1ed5 ch\u1ee9c c\u00f4ng t\u00e1c c\u1ee9u tr\u1ee3;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-2-item-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-2-item-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-3b632-list-2-item-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\">c\u00e1c quy \u0111\u1ecbnh v\u1ec1 v\u1eadn chuy\u1ec3n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-2-item-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-2-item-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-3b632-list-2-item-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\">ph\u1ea1m vi v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o v\u1ec7;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-2-item-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-2-item-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-3b632-list-2-item-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul><\/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>Vi\u1ec7c kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi trong ph\u1ea7n t\u00f3m t\u1eaft \u0111\u1ec1 xu\u1ea5t kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7<\/strong>. Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3, h\u00e3y tham kh\u1ea3o \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y ph\u1ea7n ph\u00e2n t\u00edch chi ti\u1ebft h\u01a1n v\u1ec1 m\u1ed9t trong nh\u1eefng ch\u1ee7 \u0111\u1ec1 th\u1ef1c ti\u1ec5n n\u00e0y trong c\u1ea9m nang v\u1ec1 <a href=\"https:\/\/schengeninsurance.pl\/vi\/huong-dan\/bao-hiem-y-te-trong-khu-vuc-schengen\/bao-hiem-schengen-trong-truong-hop-nhap-vien-nhung-gi-duoc-bao-gom\/\">v\u1ec1 c\u00f4ng t\u00e1c b\u1ea3o v\u1ec7 trong th\u1eddi gian \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sumy-i-podlimity\">C\u00e1ch hi\u1ec3u v\u1ec1 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 ri\u00eang s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u00f4i th\u00ec ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 m\u00f4 t\u1ea3 to\u00e0n b\u1ed9 h\u1ee3p \u0111\u1ed3ng. C\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1ch th\u1ee9c \u00e1p d\u1ee5ng ch\u00fang c\u0169ng nh\u01b0 vi\u1ec7c c\u00e1c kho\u1ea3n chi tr\u1ea3 ti\u1ebfp theo c\u00f3 l\u00e0m gi\u1ea3m m\u1ee9c gi\u1edbi h\u1ea1n c\u00f2n l\u1ea1i hay kh\u00f4ng c\u0169ng \u0111\u1ec1u c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng. <strong>T\u1ed5ng s\u1ed1 ti\u1ec1n v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 x\u00e1c \u0111\u1ecbnh ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m<\/strong>, do \u0111\u00f3 c\u1ea7n ph\u1ea3i ph\u00e2n t\u00edch ch\u00fang cho t\u1eebng ph\u01b0\u01a1ng \u00e1n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u01a1 ch\u1ebf n\u00e0y \u0111\u01b0\u1ee3c minh h\u1ecda r\u00f5 r\u00e0ng trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa mang m\u00e3 s\u1ed1 2020. Theo t\u00e0i li\u1ec7u n\u00e0y, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 x\u00e1c \u0111\u1ecbnh m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. C\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p 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 ho\u1eb7c h\u1ea1n m\u1ee9c ph\u1ee5 t\u01b0\u01a1ng \u1ee9ng. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng n\u00eau r\u00f5 r\u1eb1ng c\u00e1c gi\u00e1 tr\u1ecb n\u00e0y \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 trong b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi khuy\u1ebfn ngh\u1ecb v\u1ec1 m\u1ed9t phi\u00ean b\u1ea3n c\u1ee5 th\u1ec3 n\u00e0o, c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 x\u00e1c nh\u1eadn v\u1ec1 t\u00ecnh tr\u1ea1ng s\u1eb5n c\u00f3 hi\u1ec7n t\u1ea1i c\u1ee7a phi\u00ean b\u1ea3n \u0111\u00f3. <strong>C\u1ea7n \u0111\u1ed1i chi\u1ebfu c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u0169 v\u1edbi c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c c\u1ea5p khi mua h\u00e0ng<\/strong>. N\u1ebfu t\u00ean s\u1ea3n ph\u1ea9m v\u1eabn gi\u1eef nguy\u00ean, \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 c\u00e1c phi\u00ean b\u1ea3n, gi\u1edbi h\u1ea1n ho\u1eb7c quy \u0111\u1ecbnh v\u1ec1 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd kh\u00f4ng thay \u0111\u1ed5i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi so s\u00e1nh hai \u0111\u1ec1 xu\u1ea5t, c\u1ea7n ki\u1ec3m tra c\u00e1c y\u1ebfu t\u1ed1 t\u01b0\u01a1ng \u1ee9ng trong c\u1ea3 hai t\u00e0i li\u1ec7u. Kh\u00f4ng n\u00ean so s\u00e1nh t\u1ed5ng s\u1ed1 ti\u1ec1n chung v\u1edbi m\u1ee9c tr\u1ea7n c\u1ee7a m\u1ed9t kho\u1ea3n tr\u1ee3 c\u1ea5p kh\u00e1c, c\u0169ng nh\u01b0 kh\u00f4ng n\u00ean coi con s\u1ed1 cao h\u01a1n l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh n\u1ebfu ph\u01b0\u01a1ng \u00e1n th\u1ee9 hai c\u00f3 ph\u1ea1m vi kh\u00e1c. <strong>So s\u00e1nh ch\u1ec9 c\u00f4ng b\u1eb1ng khi c\u00e1c ti\u00eau ch\u00ed l\u00e0 nh\u01b0 nhau<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kontrola-polisy\">Ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 xem x\u00e9t c\u00e1c t\u00e0i li\u1ec7u theo m\u1ed9t th\u1ee9 t\u1ef1 c\u1ed1 \u0111\u1ecbnh. Tr\u01b0\u1edbc ti\u00ean, b\u1ea1n c\u1ea7n x\u00e1c nh\u1eadn c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p c\u1ee7a m\u00ecnh. Ti\u1ebfp theo, b\u1ea1n ch\u1ecdn s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p, t\u1ea3i xu\u1ed1ng \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) t\u01b0\u01a1ng \u1ee9ng v\u00e0 ki\u1ec3m tra c\u00e1c th\u00f4ng tin s\u1ebd \u0111\u01b0\u1ee3c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Cu\u1ed1i c\u00f9ng, b\u1ea1n so s\u00e1nh hai b\u1ed9 t\u00e0i li\u1ec7u n\u00e0y t\u1eebng \u0111i\u1ec3m m\u1ed9t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dane-osoby-ubezpieczonej\">Th\u00f4ng tin v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ecd, t\u00ean v\u00e0 c\u00e1c th\u00f4ng tin nh\u1eadn d\u1ea1ng kh\u00e1c ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong th\u1ee7 t\u1ee5c t\u1ed1 t\u1ee5ng. <strong>H\u00e3y s\u1eeda m\u1ecdi l\u1ed7i ch\u00ednh t\u1ea3 tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n b\u1ea3o hi\u1ec3m<\/strong>. B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra xem ai l\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m v\u00e0 ai l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c mua b\u1edfi m\u1ed9t ng\u01b0\u1eddi kh\u00e1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"okres-i-obszar-ochrony\">Th\u1eddi gian v\u00e0 ph\u1ea1m vi b\u1ea3o v\u1ec7<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng ch\u1ec9 d\u1ef1a v\u00e0o ng\u00e0y mua. H\u00e3y t\u00ecm hi\u1ec3u th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng, c\u0169ng nh\u01b0 ph\u1ea1m vi \u0111\u1ecba l\u00fd \u00e1p d\u1ee5ng cho g\u00f3i b\u1ea3o hi\u1ec3m b\u1ea1n \u0111\u00e3 ch\u1ecdn. <strong>C\u00e1c m\u1ed1c th\u1eddi gian b\u1ea3o v\u1ec7 ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh d\u1ef1 ki\u1ebfn<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 th\u1eddi h\u1ea1n thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"zakres-limity-i-wylaczenia\">Ph\u1ea1m vi, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y \u0111\u00e1nh d\u1ea5u c\u00e1c s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a, t\u1ea5t c\u1ea3 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 quan tr\u1ecdng v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n t\u1ed5 ch\u1ee9c c\u1ee9u h\u1ed9. Sau \u0111\u00f3, h\u00e3y ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5 sau khi x\u1ea3y ra s\u1ef1 ki\u1ec7n. <strong>Ph\u1ea1m vi b\u1ea3o hi\u1ec3m lu\u00f4n ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u trong b\u1ed1i c\u1ea3nh c\u00e1c gi\u1edbi h\u1ea1n<\/strong>. M\u1ed9t c\u00e2u trong t\u00e0i li\u1ec7u ti\u1ebfp th\u1ecb kh\u00f4ng th\u1ec3 thay th\u1ebf cho to\u00e0n b\u1ed9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dokument-potwierdzajacy\">Gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng sau khi mua b\u1ea3o hi\u1ec3m, qu\u00fd kh\u00e1ch s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ghi r\u00f5 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 lo\u1ea1i g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. \u0110\u1ed3ng th\u1eddi, h\u00e3y l\u01b0u gi\u1eef b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) t\u01b0\u01a1ng \u1ee9ng v\u1edbi h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f9ng v\u1edbi c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) t\u01b0\u01a1ng \u1ee9ng ph\u1ea3i t\u1ea1o th\u00e0nh m\u1ed9t b\u1ed9 t\u00e0i li\u1ec7u ho\u00e0n ch\u1ec9nh.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u00eam th\u00f4ng tin v\u1ec1 vi\u1ec7c chu\u1ea9n b\u1ecb c\u00e1c gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m trong c\u1ea9m nang n\u00e0y <a href=\"https:\/\/schengeninsurance.pl\/vi\/huong-dan\/bao-hiem-y-te-trong-khu-vuc-schengen\/bao-hiem-y-te-cho-thi-thuc-schengen-nam-2025\/\">B\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zgloszenie-zdarzenia\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t kh\u00f4ng ch\u1ec9 c\u1ea7n \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p m\u00e0 c\u00f2n ph\u1ea3i d\u1ec5 d\u00e0ng s\u1eed d\u1ee5ng. H\u00e3y ghi l\u1ea1i s\u1ed1 h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 khai b\u00e1o. H\u00e3y c\u1ea5t gi\u1eef c\u00e1c t\u00e0i li\u1ec7u \u1edf n\u01a1i d\u1ec5 l\u1ea5y, ngay c\u1ea3 khi b\u1ea1n kh\u00f4ng th\u1ec3 t\u1ef1 m\u00ecnh t\u00ecm ki\u1ebfm ch\u00fang trong h\u1ed9p th\u01b0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a Uniqa mang k\u00fd hi\u1ec7u 2020 tr\u00ecnh b\u00e0y ph\u1ea1m vi d\u1eef li\u1ec7u m\u1eabu c\u1ea7n thi\u1ebft khi n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. H\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ph\u1ea3i bao g\u1ed3m s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 ho\u00e0n c\u1ea3nh x\u1ea3y ra s\u1ef1 c\u1ed1 v\u00e0 gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf bao g\u1ed3m m\u00f4 t\u1ea3 th\u01b0\u01a1ng t\u00edch, ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb. C\u1ea7n nh\u1ea5n m\u1ea1nh r\u1eb1ng <strong>Ba m\u1ee5c \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea \u1edf tr\u00ean kh\u00f4ng ph\u1ea3i l\u00e0 danh s\u00e1ch \u0111\u1ea7y \u0111\u1ee7<\/strong> \u2013 Danh s\u00e1ch \u0111\u1ea7y \u0111\u1ee7 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft c\u00f2n d\u00e0i h\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, h\u00e3y l\u00e0m theo c\u00e1c h\u01b0\u1edbng d\u1eabn trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n. H\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1 v\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c. <strong>Vui l\u00f2ng tham kh\u1ea3o c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) hi\u1ec7n h\u00e0nh \u0111\u1ec3 bi\u1ebft c\u00e1c y\u00eau c\u1ea7u \u0111\u0103ng k\u00fd m\u1edbi nh\u1ea5t<\/strong>, b\u1edfi v\u00ec c\u00e1c th\u1ee7 t\u1ee5c c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m, c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 phi\u00ean b\u1ea3n t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Danh s\u00e1ch h\u1eefu \u00edch cho ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-3 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-items3b632-list-3 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-3 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-3 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items3b632-list-3 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-items3b632-list-3 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-3 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-3 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3b632-list-3 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items3b632-list-3 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-3b632-list-3-item-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-3-item-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-3b632-list-3-item-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\">s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-3-item-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-3-item-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-3b632-list-3-item-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\">m\u00f4 t\u1ea3 t\u00ecnh ti\u1ebft v\u1ee5 vi\u1ec7c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-3-item-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-3-item-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-3b632-list-3-item-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\">h\u1ed3 s\u01a1 y t\u1ebf li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-3-item-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-3-item-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-3b632-list-3-item-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\">c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed theo y\u00eau c\u1ea7u c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u00f3 li\u00ean quan;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3b632-list-3-item-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3b632-list-3-item-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-3b632-list-3-item-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\">th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a b\u1ed9 ph\u1eadn h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0110\u1eebng tr\u00ec ho\u00e3n vi\u1ec7c t\u00ecm hi\u1ec3u h\u01b0\u1edbng d\u1eabn n\u1ed9p \u0111\u01a1n<\/strong> cho \u0111\u1ebfn khi th\u1ef1c s\u1ef1 c\u1ea7n \u0111\u1ebfn s\u1ef1 h\u1ed7 tr\u1ee3. Vi\u1ec7c t\u00ecm hi\u1ec3u tr\u01b0\u1edbc v\u1ec1 quy tr\u00ecnh s\u1ebd gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro b\u1ecf s\u00f3t m\u1ed9t t\u00e0i li\u1ec7u quan tr\u1ecdng ho\u1eb7c ngh\u0129a v\u1ee5 n\u00e0o \u0111\u00f3 theo h\u1ee3p \u0111\u1ed3ng.<\/p>\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\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-nazywana-ubezpieczeniem-schengen-spelnia-wymagania\">Li\u1ec7u m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201cb\u1ea3o hi\u1ec3m Schengen\u201d \u0111\u1ec1u \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean cho r\u1eb1ng nh\u01b0 v\u1eady. T\u00ean th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng ch\u1ee9ng minh s\u1ef1 tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. <strong>H\u00e3y ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/strong>, \u0111\u1ed3ng th\u1eddi h\u00e3y x\u00e1c nh\u1eadn c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u00ecnh th\u1ee9c \u0111\u1ed1i v\u1edbi th\u1ee7 t\u1ee5c m\u00e0 t\u00e0i li\u1ec7u n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wystarczy-sprawdzic-tylko-sume-ubezpieczenia\">Ch\u1ec9 c\u1ea7n ki\u1ec3m tra s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 \u0111\u1ee7 ch\u01b0a?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. T\u1ed5ng s\u1ed1 l\u00e0 m\u1ed9t trong nh\u1eefng th\u00f4ng s\u1ed1. C\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1ch th\u1ee9c gi\u1ea3m tr\u1eeb c\u00e1c gi\u1edbi h\u1ea1n n\u00e0y, ph\u1ea1m vi s\u1ef1 c\u1ed1, l\u00e3nh th\u1ed5, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5 sau s\u1ef1 c\u1ed1 c\u0169ng \u0111\u1ec1u c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng. <strong>M\u1ed9t con s\u1ed1 kh\u00f4ng th\u1ec3 ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-ochrona-obejmuje-kazde-leczenie\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m m\u1ecdi h\u00ecnh th\u1ee9c \u0111i\u1ec1u tr\u1ecb kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111i\u1ec1u n\u00e0y m\u00e0 kh\u00f4ng ki\u1ec3m tra c\u1ee5 th\u1ec3 h\u1ee3p \u0111\u1ed3ng. Trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Compensa \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m vi\u1ec7c \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c c\u00e1c di ch\u1ee9ng do tai n\u1ea1n g\u00e2y ra, v\u1ed1n l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. C\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) \u0111\u1ea7y \u0111\u1ee7 v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-dokumenty-jednego-towarzystwa-potwierdzaja-ogolne-wymagania-wizowe\">C\u00e1c t\u00e0i li\u1ec7u c\u1ee7a m\u1ed9t c\u00f4ng ty c\u00f3 \u0111\u1ee7 \u0111\u1ec3 ch\u1ee9ng minh c\u00e1c y\u00eau c\u1ea7u chung v\u1ec1 th\u1ecb th\u1ef1c kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) m\u00f4 t\u1ea3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 \u0111\u00f3. Ch\u00fang kh\u00f4ng thay th\u1ebf cho v\u0103n b\u1ea3n quy \u0111\u1ecbnh c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u00ecnh th\u1ee9c \u0111\u1ed1i v\u1edbi th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3. <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh nhu c\u1ea7u c\u1ee7a b\u1ea1n, sau \u0111\u00f3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zachowac-po-zakupie\">Sau khi mua h\u00e0ng, n\u00ean gi\u1eef l\u1ea1i nh\u1eefng g\u00ec?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y l\u01b0u gi\u1eef h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) t\u01b0\u01a1ng \u1ee9ng c\u00f9ng c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. Ki\u1ec3m tra xem t\u00e0i li\u1ec7u c\u00f3 ch\u1ee9a th\u00f4ng tin ch\u00ednh x\u00e1c v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m hay kh\u00f4ng. Trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n \u0111i\u1ec1u ch\u1ec9nh, h\u00e3y l\u01b0u gi\u1eef phi\u00ean b\u1ea3n th\u1ef1c s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jak-przygotowac-sie-do-ewentualnego-zgloszenia\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb cho tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i n\u1ed9p \u0111\u01a1n?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y \u0111\u1ecdc h\u01b0\u1edbng d\u1eabn trong c\u00e1c t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n. S\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 s\u1ef1 c\u1ed1 v\u00e0 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn s\u1ef1 h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p l\u00e0 nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch, nh\u01b0ng danh m\u1ee5c \u0111\u1ea7y \u0111\u1ee7 c\u1ea7n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) t\u01b0\u01a1ng \u1ee9ng. <strong>Kh\u00f4ng t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n c\u00e1c quy tr\u00ecnh t\u1eeb s\u1ea3n ph\u1ea9m kh\u00e1c sang<\/strong>.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y so s\u00e1nh c\u00e1c y\u00eau c\u1ea7u ph\u00f9 h\u1ee3p v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n v\u1edbi th\u1eddi h\u1ea1n, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 \u0111\u01b0\u1ee3c n\u00eau trong t\u00e0i li\u1ec7u c\u1ee7a s\u1ea3n ph\u1ea9m b\u1ea1n \u0111\u00e3 ch\u1ecdn. N\u1ebfu c\u00f3 b\u1ea5t k\u1ef3 th\u00f4ng s\u1ed1 n\u00e0o kh\u00f4ng r\u00f5 r\u00e0ng, h\u00e3y y\u00eau c\u1ea7u gi\u1ea3i th\u00edch tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. N\u1ebfu b\u1ea1n c\u1ea7n mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, h\u00e3y s\u1eed d\u1ee5ng m\u1eabu \u0111\u01a1n mua b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb.<\/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:\/\/polisarium.pl\/\" target=\"_blank\" rel=\"noopener noreferrer\">MUA B\u1ea2O HI\u1ec2M CHO NG\u01af\u1edcI N\u01af\u1edaC NGO\u00c0I TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m y t\u1ebf Schengen \u2014 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung? B\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn \u0111\u1ec3 n\u1ed9p k\u00e8m c\u00e1c h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa kh\u00f4ng n\u00ean ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean\u2026<\/p>","protected":false},"author":1,"featured_media":4229,"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":[14],"tags":[98,65,97,99],"class_list":["post-4230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenia-zdrowotne-w-strefie-schengen","tag-czytanie-owu","tag-owu","tag-polisa-schengen","tag-zakres-ochrony"],"acf":[],"yoast_head":"<!-- This site is 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