{"id":4248,"date":"2026-11-11T08:20:13","date_gmt":"2026-11-11T07:20:13","guid":{"rendered":"https:\/\/schengeninsurance.pl\/?p=4248"},"modified":"2026-11-11T08:20:13","modified_gmt":"2026-11-11T07:20:13","slug":"cau-hoi-thuong-gap-ve-bao-hiem-y-te-schengen-10-cau-hoi-quan-trong","status":"publish","type":"post","link":"https:\/\/schengeninsurance.pl\/vi\/poradnik\/ubezpieczenia-zdrowotne-w-strefie-schengen\/faq-ubezpieczenie-zdrowotne-schengen-10-waznych-pytan\/","title":{"rendered":"C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p: B\u1ea3o hi\u1ec3m y t\u1ebf Schengen \u2013 10 c\u00e2u h\u1ecfi quan tr\u1ecdng"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi l\u1ed9 tr\u00ecnh, th\u1eddi gian v\u00e0 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. Ch\u1ec9 c\u00f3 gi\u1ea5y x\u00e1c nh\u1eadn mua b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7 \u2013 c\u1ea7n ki\u1ec3m tra xem t\u00e0i li\u1ec7u \u0111\u00f3 c\u00f3 bao g\u1ed3m khu v\u1ef1c ph\u00f9 h\u1ee3p, to\u00e0n b\u1ed9 th\u1eddi gian y\u00eau c\u1ea7u v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c hay kh\u00f4ng. C\u00e1c \u0111i\u1ec3m kh\u00e1c bi\u1ec7t gi\u1eefa m\u1ee9c b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 l\u00e0 r\u1ea5t quan tr\u1ecdng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c c\u00e2u tr\u1ea3 l\u1eddi d\u01b0\u1edbi \u0111\u00e2y t\u1ed5ng h\u1ee3p m\u01b0\u1eddi v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng nh\u1ea5t li\u00ean quan \u0111\u1ebfn th\u1ecb th\u1ef1c Schengen lo\u1ea1i C, th\u1ecb th\u1ef1c qu\u1ed1c gia Ba Lan lo\u1ea1i D v\u00e0 hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p. Ch\u00fang t\u00f4i m\u00f4 t\u1ea3 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c d\u1ef1a tr\u00ean th\u00f4ng tin t\u1eeb B\u1ed9 Ngo\u1ea1i giao, \u0111\u1ed3ng th\u1eddi c\u00e1c v\u00ed d\u1ee5 v\u1ec1 s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c li\u00ean h\u1ec7 v\u1edbi c\u00e1c phi\u00ean b\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU). Nh\u1edd \u0111\u00f3, vi\u1ec7c ph\u00e2n bi\u1ec7t gi\u1eefa y\u00eau c\u1ea7u ch\u00ednh th\u1ee9c v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf s\u1ebd tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#wymagania-polisy\">C\u00e1c y\u00eau c\u1ea7u quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n\n<li><a href=\"#dopasowanie-ochrony\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa<\/a><\/li>\n\n\n\n<li><a href=\"#co-wynika-z-owu\">\u0110i\u1ec1u g\u00ec th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU)<\/a><\/li>\n\n\n\n<li><a href=\"#zgloszenie-szkody\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra thi\u1ec7t h\u1ea1i<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p: 10 c\u00e2u h\u1ecfi quan tr\u1ecdng<\/a><\/li>\n\n\n\n<li><a href=\"#zakup-ubezpieczenia\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua \u0111\u01b0\u1ee3c g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wymagania-polisy\">C\u00e1c y\u00eau c\u1ea7u quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c Schengen lo\u1ea1i C, b\u1ea3o hi\u1ec3m y t\u1ebf du l\u1ecbch l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea5y t\u1edd b\u1eaft bu\u1ed9c. Theo th\u00f4ng tin t\u1eeb B\u1ed9 Ngo\u1ea1i giao, m\u1ee9c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ea5p h\u01a1n <strong>30.000 euro<\/strong>. Vi\u1ec7c b\u1ea3o v\u1ec7 ph\u1ea3i \u0111\u01b0\u1ee3c coi tr\u1ecdng t\u1ea1i <strong>to\u00e0n b\u1ed9 l\u00e3nh th\u1ed5 khu v\u1ef1c Schengen<\/strong> v\u00e0 bao g\u1ed3m <strong>to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn ho\u1eb7c qu\u00e1 c\u1ea3nh<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi chi ph\u00ed c\u1ea7n thi\u1ebft cho th\u1ecb th\u1ef1c lo\u1ea1i C n\u00ean bao g\u1ed3m c\u00e1c kho\u1ea3n chi ph\u00ed li\u00ean quan \u0111\u1ebfn nhu c\u1ea7u <strong>c\u1ea5p c\u1ee9u y t\u1ebf<\/strong>, <strong>\u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa kh\u1ea9n c\u1ea5p<\/strong>, <strong>tr\u1edf v\u1ec1 v\u00ec l\u00fd do s\u1ee9c kh\u1ecfe<\/strong> ho\u1eb7c t\u1eed vong. \u0110\u00e2y l\u00e0 danh m\u1ee5c c\u00e1c y\u00eau c\u1ea7u ch\u00ednh th\u1ee9c v\u1ec1 th\u1ecb th\u1ef1c, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 cam k\u1ebft r\u1eb1ng m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau. C\u00e1ch th\u1ee9c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 c\u0169ng nh\u01b0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c nh\u1eadp c\u1ea3nh nhi\u1ec1u l\u1ea7n, h\u1ed3 s\u01a1 n\u1ed9p k\u00e8m theo \u0111\u01a1n xin ph\u1ea3i bao g\u1ed3m <strong>chuy\u1ebfn th\u0103m \u0111\u1ea7u ti\u00ean theo k\u1ebf ho\u1ea1ch<\/strong>. Tuy nhi\u00ean, kh\u00f4ng n\u00ean coi \u0111\u00e2y l\u00e0 gi\u1ea3i ph\u00e1p \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c chuy\u1ebfn \u0111i sau n\u00e0y. Tr\u01b0\u1edbc m\u1ed7i chuy\u1ebfn \u0111i ti\u1ebfp theo, c\u1ea7n ph\u1ea3i ki\u1ec3m tra l\u1ea1i ng\u00e0y th\u00e1ng, khu v\u1ef1c v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 m\u00ecnh \u0111ang c\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 tra c\u1ee9u c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c hi\u1ec7n h\u00e0nh tr\u1ef1c ti\u1ebfp tr\u00ean trang web <a href=\"https:\/\/www.gov.pl\/web\/dyplomacja\/wizy\" target=\"_blank\" rel=\"noopener noreferrer\">B\u1ed9 Ngo\u1ea1i giao<\/a>. Ph\u1ea7n h\u01b0\u1edbng d\u1eabn th\u1ef1c t\u1ebf v\u1ec1 t\u00e0i li\u1ec7u n\u00e0y v\u00e0 c\u00e1c \u0111i\u1ec3m ki\u1ec3m tra th\u01b0\u1eddng g\u1eb7p nh\u1ea5t c\u0169ng \u0111\u01b0\u1ee3c tr\u00ecnh b\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-y-te-schengen-cho-thi-thuc-nam-2026\/\">B\u1ea3o hi\u1ec3m Schengen cho th\u1ecb th\u1ef1c v\u00e0o n\u0103m 2026<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dopasowanie-ochrony\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh <strong>lo\u1ea1i th\u1ecb th\u1ef1c<\/strong>. Th\u1ecb th\u1ef1c lo\u1ea1i C cho ph\u00e9p l\u01b0u tr\u00fa trong khu v\u1ef1c Schengen v\u1edbi th\u1eddi h\u1ea1n kh\u00f4ng qu\u00e1 <strong>90 ng\u00e0y trong m\u1ed7i kho\u1ea3ng th\u1eddi gian 180 ng\u00e0y<\/strong>. Trong th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c, th\u1ecb th\u1ef1c qu\u1ed1c gia lo\u1ea1i D c\u1ee7a Ba Lan c\u0169ng cho ph\u00e9p du kh\u00e1ch \u0111i l\u1ea1i t\u1ea1i c\u00e1c qu\u1ed1c gia kh\u00e1c thu\u1ed9c khu v\u1ef1c Schengen t\u1ed1i \u0111a 90 ng\u00e0y trong v\u00f2ng 180 ng\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y so s\u00e1nh th\u00f4ng tin trong \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m. C\u00e1c th\u00f4ng tin quan tr\u1ecdng nh\u1ea5t l\u00e0 <strong>ph\u1ea1m vi \u00e1p d\u1ee5ng<\/strong> v\u00e0 <strong>th\u1eddi gian b\u1ea3o v\u1ec7<\/strong>. N\u1ebfu h\u00e0nh tr\u00ecnh \u0111i qua m\u1ed9t s\u1ed1 qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen, th\u00ec gi\u1ea5y t\u1edd ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb t\u1ea1i Ba Lan s\u1ebd kh\u00f4ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c lo\u1ea1i C do B\u1ed9 Ngo\u1ea1i giao quy \u0111\u1ecbnh. C\u00e1c ng\u00e0y ghi tr\u00ean gi\u1ea5y t\u1edd ph\u1ea3i t\u01b0\u01a1ng \u1ee9ng v\u1edbi to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c qu\u00e1 c\u1ea3nh d\u1ef1 ki\u1ebfn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u01b0\u1edbc ti\u1ebfp theo l\u00e0 \u0111\u1ecdc ph\u1ea7n gi\u1edbi thi\u1ec7u n\u1ed9i dung. H\u00e3y ch\u00fa \u00fd \u0111\u1ebfn <strong>ph\u1ea1m vi s\u1ef1 ki\u1ec7n<\/strong> i <strong>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong>, nh\u01b0ng \u0111\u1eebng ch\u1ec9 d\u1eebng ph\u00e2n t\u00edch \u1edf hai \u0111i\u1ec1u kho\u1ea3n n\u00e0y. Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), b\u1ea1n c\u0169ng c\u1ea7n t\u00ecm hi\u1ec3u c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3, 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. \u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111\u1ebfn Ba Lan \u0111\u1ec3 l\u00e0m vi\u1ec7c, c\u00f3 th\u1ec3 tham kh\u1ea3o trang ri\u00eang v\u1ec1 <a href=\"https:\/\/schengeninsurance.pl\/vi\/bao-hiem-cho-nguoi-nuoc-ngoai-lam-viec-tai-ba-lan-va-khu-vuc-schengen\/\">b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi lao \u0111\u1ed9ng n\u01b0\u1edbc ngo\u00e0i<\/a>. \u0110\u1ec3 c\u00f3 c\u00e1i nh\u00ecn to\u00e0n di\u1ec7n h\u01a1n, b\u1ea1n c\u0169ng n\u00ean tham kh\u1ea3o th\u00eam <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>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-wynika-z-owu\">\u0110i\u1ec1u g\u00ec th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng tin chi ti\u1ebft v\u1ec1 s\u1ea3n ph\u1ea9m ch\u1ec9 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c g\u00e1n cho m\u1ed9t t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3. V\u00ed d\u1ee5, \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i k\u00e8m theo d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa Rodzina n\u0103m 2026 bao g\u1ed3m vi\u1ec7c \u0111i\u1ec1u tr\u1ecb b\u1ec7nh t\u1eadt ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf, m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Trong khu\u00f4n kh\u1ed5 \u0111i\u1ec1u kho\u1ea3n n\u00e0y, Compensa s\u1ebd t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 y t\u1ebf v\u00e0 chi tr\u1ea3 c\u00e1c chi ph\u00ed li\u00ean quan cho \u0111\u1ebfn khi t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m cho ph\u00e9p h\u1ecd tr\u1edf v\u1ec1 ho\u1eb7c \u0111\u01b0\u1ee3c v\u1eadn chuy\u1ec3n v\u1ec1 n\u01b0\u1edbc th\u01b0\u1eddng tr\u00fa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5 n\u00e0y kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng cho c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c. Vui l\u00f2ng ki\u1ec3m tra tr\u01b0\u1edbc khi mua <strong>ph\u01b0\u01a1ng \u00e1n v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5<\/strong>, b\u1ea3ng chi ti\u1ebft v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. Khi \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i nh\u1eadp vi\u1ec7n, 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 b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p nh\u1eadp vi\u1ec7n<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA li\u00ean quan \u0111\u1ebfn c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i tr\u00ean l\u00e3nh th\u1ed5 Ba Lan n\u0103m 2020, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 \u0111\u1ec1u l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed7i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Theo t\u00e0i li\u1ec7u n\u00e0y, c\u00e1c gi\u00e1 tr\u1ecb n\u00e0y s\u1ebd b\u1ecb gi\u1ea3m \u0111i t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 ti\u1ec1n \u0111\u00e3 chi tr\u1ea3 cho c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng. Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng nguy\u00ean t\u1eafc n\u00e0y c\u0169ng \u00e1p d\u1ee5ng cho c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c; c\u1ea7n ph\u1ea3i ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a t\u1eebng s\u1ea3n ph\u1ea9m. Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m, c\u1ea7n x\u00e1c nh\u1eadn phi\u00ean b\u1ea3n m\u1edbi nh\u1ea5t c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u0169ng nh\u01b0 c\u00e1c th\u00f4ng tin ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zgloszenie-szkody\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra thi\u1ec7t h\u1ea1i<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ee7 t\u1ee5c ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng s\u1ea3n ph\u1ea9m. Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020, \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ea3i bao g\u1ed3m, trong s\u1ed1 nh\u1eefng n\u1ed9i dung kh\u00e1c, <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>, <strong>m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c<\/strong>, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh, c\u00f9ng v\u1edbi <strong>b\u1eb1ng ch\u1ee9ng v\u1ec1 c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh<\/strong>, ch\u1eb3ng h\u1ea1n nh\u01b0 h\u00f3a \u0111\u01a1n, bi\u00ean lai, gi\u1ea5y ch\u1ee9ng nh\u1eadn c\u1ee7a b\u1ec7nh vi\u1ec7n v\u00e0 bi\u00ean lai thanh to\u00e1n.<\/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>Trong \u0111i\u1ec1u kho\u1ea3n Compensa Rodzina n\u0103m 2026<\/strong> C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng, bao g\u1ed3m <strong>h\u1ed3 s\u01a1 y t\u1ebf<\/strong>, c\u00f9ng c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c t\u00ecnh ti\u1ebft v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. C\u01a1 quan n\u00e0y c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin c\u1ea7n thi\u1ebft t\u1eeb c\u00e1c c\u01a1 s\u1edf \u0111\u00e3 cung c\u1ea5p d\u1ecbch v\u1ee5 y t\u1ebf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u1ebft lu\u1eadn th\u1ef1c ti\u1ec5n r\u1ea5t \u0111\u01a1n gi\u1ea3n: sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, h\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn kho\u1ea3n h\u1ed7 tr\u1ee3 v\u00e0 chi ph\u00ed, \u0111\u1ed3ng th\u1eddi th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo theo h\u01b0\u1edbng d\u1eabn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. \u0110\u1eebng cho r\u1eb1ng danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u trong m\u1ed9t b\u1ed9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) s\u1ebd gi\u1ed1ng h\u1ec7t v\u1edbi s\u1ea3n ph\u1ea9m kh\u00e1c.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p: 10 c\u00e2u h\u1ecfi quan tr\u1ecdng<\/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-ubezpieczenie-medyczne-jest-wymagane\">1. C\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c Schengen lo\u1ea1i C kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00fang v\u1eady. B\u1ed9 Ngo\u1ea1i giao li\u1ec7t k\u00ea b\u1ea3o hi\u1ec3m y t\u1ebf du l\u1ecbch v\u00e0o danh s\u00e1ch c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c lo\u1ea1i C.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"minimalna-kwota-ubezpieczenia\">2. M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 bao nhi\u00eau?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c lo\u1ea1i C, B\u1ed9 Ngo\u1ea1i giao quy \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m y t\u1ebf du l\u1ecbch kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ea5p h\u01a1n 30.000 euro. M\u1ee9c t\u1ed1i thi\u1ec3u t\u01b0\u01a1ng t\u1ef1 v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf du l\u1ecbch c\u0169ng \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong th\u00f4ng tin li\u00ean quan \u0111\u1ebfn th\u1ecb th\u1ef1c qu\u1ed1c gia lo\u1ea1i D c\u1ee7a Ba Lan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"terytorium-polisy-typu-c\">3. Gi\u1ea5y b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c lo\u1ea1i C s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean l\u00e3nh th\u1ed5 n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quy \u0111\u1ecbnh n\u00e0y s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean to\u00e0n b\u1ed9 l\u00e3nh th\u1ed5 Khu v\u1ef1c Schengen. Vi\u1ec7c ch\u1ec9 \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 t\u1ea1i m\u1ed9t qu\u1ed1c gia duy nh\u1ea5t kh\u00f4ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u n\u00e0y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"okres-polisy\">4. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean c\u00f3 th\u1eddi h\u1ea1n bao l\u00e2u?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c lo\u1ea1i C, b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c qu\u00e1 c\u1ea3nh d\u1ef1 ki\u1ebfn. Trong tr\u01b0\u1eddng h\u1ee3p xin th\u1ecb th\u1ef1c nh\u1eadp c\u1ea3nh nhi\u1ec1u l\u1ea7n, b\u1ea3o hi\u1ec3m c\u00f3 gi\u1ea5y t\u1edd ch\u1ee9ng minh ph\u1ea3i bao g\u1ed3m th\u1eddi gian c\u1ee7a chuy\u1ebfn th\u0103m \u0111\u1ea7u ti\u00ean d\u1ef1 ki\u1ebfn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"zdarzenia-wymaganego-zakresu\">5. Ph\u1ea1m vi y\u00eau c\u1ea7u c\u1ea7n bao g\u1ed3m nh\u1eefng s\u1ef1 ki\u1ec7n n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c y\u00eau c\u1ea7u do B\u1ed9 Ngo\u1ea1i giao n\u00eau ra bao g\u1ed3m c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn vi\u1ec7c h\u1ed3i h\u01b0\u01a1ng v\u00ec l\u00fd do y t\u1ebf, c\u1ea5p c\u1ee9u y t\u1ebf, \u0111i\u1ec1u tr\u1ecb kh\u1ea9n c\u1ea5p t\u1ea1i b\u1ec7nh vi\u1ec7n ho\u1eb7c tr\u01b0\u1eddng h\u1ee3p t\u1eed vong.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"minimalna-kwota-a-inne-limity\">6. S\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u c\u00f3 ngh\u0129a l\u00e0 kh\u00f4ng c\u00f3 gi\u1edbi h\u1ea1n n\u00e0o kh\u00e1c kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh nh\u01b0 v\u1eady. M\u1ed7i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 quy \u0111\u1ecbnh m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5. C\u1ea7n ki\u1ec3m tra c\u00e1ch th\u1ee9c \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh n\u00e0y trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) hi\u1ec7n h\u00e0nh v\u00e0 tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wszystkie-polisy-dzialaja-tak-samo\">7. T\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i th\u1ecb th\u1ef1c Schengen c\u00f3 ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Ph\u1ea1m vi, c\u00e1ch th\u1ee9c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3, c\u00e1c gi\u1edbi h\u1ea1n c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng s\u1ea3n ph\u1ea9m. V\u00ed d\u1ee5 t\u1eeb m\u1ed9t b\u1ed9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng cho c\u00e1c g\u00f3i d\u1ecbch v\u1ee5 kh\u00e1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"roznica-miedzy-wiza-c-i-d\">8. V\u1edbi th\u1ecb th\u1ef1c lo\u1ea1i D c\u1ee7a Ba Lan, li\u1ec7u c\u00f3 th\u1ec3 \u0111i du l\u1ecbch \u0111\u1ebfn c\u00e1c qu\u1ed1c gia Schengen kh\u00e1c kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00fang v\u1eady. Th\u1ecb th\u1ef1c n\u1ed9i \u0111\u1ecba lo\u1ea1i D c\u1ee7a Ba Lan, trong th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c, cho ph\u00e9p du kh\u00e1ch l\u01b0u tr\u00fa t\u1ea1i c\u00e1c qu\u1ed1c gia kh\u00e1c thu\u1ed9c khu v\u1ef1c Schengen t\u1ed1i \u0111a 90 ng\u00e0y trong v\u00f2ng 180 ng\u00e0y.<\/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 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 cho lo\u1ea1i h\u00ecnh l\u01b0u tr\u00fa n\u00e0y t\u1ea1i trang web <a href=\"https:\/\/schengeninsurance.pl\/vi\/bao-hiem-cho-nguoi-nuoc-ngoai-de-xin-visa-quoc-gia\/\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i khi xin th\u1ecb th\u1ef1c n\u1ed9i \u0111\u1ecba<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"zasada-90-180\">9. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 hi\u1ec3u nguy\u00ean t\u1eafc 90\/180?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ed5ng th\u1eddi gian c\u1ee7a c\u00e1c chuy\u1ebfn l\u01b0u tr\u00fa ng\u1eafn h\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 90 ng\u00e0y trong m\u1ed7i kho\u1ea3ng th\u1eddi gian 180 ng\u00e0y \u0111\u01b0\u1ee3c xem x\u00e9t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dokumenty-do-zgloszenia-kosztow-leczenia\">10. C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec \u0111\u1ec3 khai b\u00e1o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y tham kh\u1ea3o quy tr\u00ecnh \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a qu\u00fd v\u1ecb. Theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020, \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ph\u1ea3i bao g\u1ed3m, trong s\u1ed1 nh\u1eefng n\u1ed9i dung kh\u00e1c, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf k\u00e8m theo ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zakup-ubezpieczenia\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua \u0111\u01b0\u1ee3c g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng kho\u1ea3ng th\u1eddi gian \u0111i du l\u1ecbch, khu v\u1ef1c v\u00e0 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class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-4459c124-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-4459c124-check-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-4459c124-check-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y ki\u1ec3m tra s\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u c\u1ea7n thi\u1ebft cho t\u1eebng \u0111\u01a1n \u0111\u0103ng k\u00fd, ph\u1ea1m vi c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p, m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u0169ng nh\u01b0 h\u01b0\u1edbng d\u1eabn x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-4459c124-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-4459c124-check-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-4459c124-check-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">N\u1ebfu k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa c\u00f3 thay \u0111\u1ed5i, h\u00e3y ki\u1ec3m tra l\u1ea1i c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/polisarium.pl\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mua b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1eabu \u0111\u01a1n n\u00e0y gi\u00fap qu\u00fd v\u1ecb mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn th\u00f4ng tin, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u1eddi h\u1ea1n v\u00e0 khu v\u1ef1c \u0111\u00e3 ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa c\u0169ng nh\u01b0 c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn th\u1ecb th\u1ef1c c\u1ee7a qu\u00fd v\u1ecb.<\/p>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi l\u1ed9 tr\u00ecnh, th\u1eddi gian v\u00e0 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. Ch\u1ec9 c\u00f3 x\u00e1c nh\u1eadn \u0111\u00e3 mua b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7 \u2013 c\u1ea7n ph\u1ea3i ki\u1ec3m tra,\u2026<\/p>","protected":false},"author":1,"featured_media":4247,"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":[119,123,122,120,121],"class_list":["post-4248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenia-zdrowotne-w-strefie-schengen","tag-faq-ubezpieczenie-zdrowotne-schengen","tag-jak-dziala-ubezpieczenie","tag-koszty-leczenia-schengen","tag-najczestsze-pytania-schengen","tag-polisa-do-wizy-schengen"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>FAQ: ubezpieczenie zdrowotne Schengen - 10 wa\u017cnych pyta\u0144<\/title>\n<meta name=\"description\" content=\"Poznaj odpowiedzi na 10 wa\u017cnych pyta\u0144 o ubezpieczenie zdrowotne Schengen: wymagania wizowe, kwot\u0119 ochrony, okres polisy, zakres i zg\u0142oszenie szkody.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/schengeninsurance.pl\/vi\/huong-dan\/bao-hiem-y-te-trong-khu-vuc-schengen\/cau-hoi-thuong-gap-ve-bao-hiem-y-te-schengen-10-cau-hoi-quan-trong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ: ubezpieczenie zdrowotne Schengen - 10 wa\u017cnych pyta\u0144\" \/>\n<meta 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