{"id":4086,"date":"2026-02-17T13:26:11","date_gmt":"2026-02-17T12:26:11","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/nieskategoryzowane\/ubezpieczenie-kl-a-nfz-roznice-dla-obcokrajowca\/"},"modified":"2026-09-08T15:27:15","modified_gmt":"2026-09-08T13:27:15","slug":"bao-hiem-y-te-va-bao-hiem-xa-hoi-su-khac-biet-doi-voi-nguoi-nuoc-ngoai","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/podstawy-ubezpieczenia-kosztow-leczenia-kl\/ubezpieczenie-kl-a-nfz-roznice-dla-obcokrajowca\/","title":{"rendered":"B\u1ea3o hi\u1ec3m KL v\u00e0 NFZ: s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">NFZ v\u00e0 b\u1ea3o hi\u1ec3m KL \u2013 \u0111i\u1ec1u g\u00ec \u0111ang x\u1ea3y ra?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1ebfn Ba Lan, \u0111i\u1ec1u b\u1ea5t ng\u1edd nh\u1ea5t l\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 y t\u1ebf. M\u1ed9t m\u1eb7t l\u00e0 h\u1ec7 th\u1ed1ng c\u00f4ng c\u1ed9ng, t\u1ee9c l\u00e0 NFZ. M\u1eb7t kh\u00e1c l\u00e0 c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, bao g\u1ed3m b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb (KL), th\u01b0\u1eddng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u \u0111\u1ec3 xin visa ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa. Tr\u00ean th\u1ef1c t\u1ebf, hai gi\u1ea3i ph\u00e1p n\u00e0y ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nhau: c\u00e1ch \u201etham gia\u201d kh\u00e1c nhau, c\u00e1ch thanh to\u00e1n c\u00e1c l\u1ea7n kh\u00e1m b\u1ec7nh kh\u00e1c nhau v\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn c\u00e1c c\u01a1 s\u1edf y t\u1ebf c\u0169ng kh\u00e1c nhau.<\/p>\n<p>Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i gi\u1ea3i th\u00edch <strong>B\u1ea3o hi\u1ec3m KL v\u00e0 NFZ<\/strong> B\u01b0\u1edbc t\u1eebng b\u01b0\u1edbc: M\u1ed7i c\u00e1i l\u00e0 g\u00ec, ch\u00fang c\u00f3 nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m g\u00ec? <strong>S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa NFZ v\u00e0 b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n<\/strong> v\u00e0 \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 g\u00ec trong cu\u1ed9c s\u1ed1ng th\u1ef1c t\u1ebf, khi c\u1ea7n thi\u1ebft <strong>\u0110i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan (ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i)<\/strong>. Ch\u00fang t\u00f4i c\u0169ng g\u1ee3i \u00fd c\u00e1ch l\u1ef1a ch\u1ecdn <strong>B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan<\/strong>, \u0111\u1ec3 tr\u00e1nh nh\u1eefng b\u1ea5t ng\u1edd t\u1ed1n k\u00e9m.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">NFZ cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i: quy\u1ec1n truy c\u1eadp v\u00e0 h\u1ea1n ch\u1ebf<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>NFZ l\u00e0 c\u01a1 quan chi tr\u1ea3 c\u00f4ng c\u1ed9ng cho c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf. \u0110\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng d\u1ecbch v\u1ee5 y t\u1ebf \u201etheo NFZ\u201d, th\u00f4ng th\u01b0\u1eddng b\u1ea1n ph\u1ea3i c\u00f3 quy\u1ec1n h\u01b0\u1edfng c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 t\u1eeb ngu\u1ed3n c\u00f4ng. Do \u0111\u00f3, \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ecd c\u00f3 \u1edf Ba Lan hay kh\u00f4ng, m\u00e0 l\u00e0 h\u1ecd c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p ho\u1eb7c c\u01a1 s\u1edf quy\u1ec1n l\u1ee3i kh\u00e1c (v\u00ed d\u1ee5: t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa nh\u1ea5t \u0111\u1ecbnh, c\u00f4ng vi\u1ec7c, h\u1ecdc t\u1eadp, th\u00e0nh vi\u00ean gia \u0111\u00ecnh c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m) hay kh\u00f4ng.<\/p>\n<p>Trong th\u1ef1c t\u1ebf, NFZ c\u00f3 ngh\u0129a l\u00e0 \u0111i\u1ec1u tr\u1ecb t\u1ea1i c\u00e1c c\u01a1 s\u1edf c\u00f3 h\u1ee3p \u0111\u1ed3ng v\u1edbi NFZ, th\u01b0\u1eddng theo m\u00f4 h\u00ecnh: b\u00e1c s\u0129 POZ \u2192 gi\u1ea5y gi\u1edbi thi\u1ec7u \u2192 b\u00e1c s\u0129 chuy\u00ean khoa \u2192 ch\u1ea9n \u0111o\u00e1n. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 ng\u01b0\u1eddi, r\u00e0o c\u1ea3n l\u00e0 h\u00e0ng \u0111\u1ee3i, th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd v\u00e0 th\u1eddi gian h\u1eb9n h\u1ea1n ch\u1ebf. N\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn, c\u01a1 s\u1edf c\u00f3 th\u1ec3 coi cu\u1ed9c h\u1eb9n l\u00e0 cu\u1ed9c h\u1eb9n t\u01b0 nh\u00e2n v\u00e0 y\u00eau c\u1ea7u b\u1ea1n thanh to\u00e1n.<\/p>\n<p>Trong b\u1ed1i c\u1ea3nh h\u1ee3p ph\u00e1p h\u00f3a c\u01b0 tr\u00fa, c\u0169ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng \u201eNFZ\u201d v\u00e0 \u201eb\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n\u201d l\u00e0 hai lo\u1ea1i t\u00e0i li\u1ec7u kh\u00e1c nhau v\u00e0 hai ph\u01b0\u01a1ng th\u1ee9c t\u00e0i tr\u1ee3 kh\u00e1c nhau. Trong nhi\u1ec1u th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m l\u00e0 r\u1ea5t quan tr\u1ecdng, do \u0111\u00f3, b\u1ea1n n\u00ean tham kh\u1ea3o h\u01b0\u1edbng d\u1eabn v\u1ec1 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, v\u00ed d\u1ee5:. <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/yeu-cau-phap-ly-doi-voi-nguoi-nuoc-ngoai-tai-ba-lan-va-khu-vuc-schengen\/bao-hiem-tai-bien-gioi-schengen-kiem-tra-va-giay-to\/\">B\u1ea3o hi\u1ec3m v\u00e0 gi\u1ea5y t\u1edd t\u1ea1i bi\u00ean gi\u1edbi Schengen<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu b\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn li\u1ec7u m\u00ecnh c\u00f3 quy\u1ec1n h\u01b0\u1edfng c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a NFZ hay kh\u00f4ng, h\u00e3y gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 b\u1ecb y\u00eau c\u1ea7u thanh to\u00e1n khi \u0111\u1ebfn kh\u00e1m. Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3, ch\u00ednh s\u00e1ch KL s\u1ebd ho\u1ea1t \u0111\u1ed9ng nh\u01b0 m\u1ed9t \u201e\u0111\u1ec7m an to\u00e0n\u201d t\u00e0i ch\u00ednh.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m KL: b\u1ea3o hi\u1ec3m g\u00ec v\u00e0 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m KL (chi ph\u00ed \u0111i\u1ec1u tr\u1ecb) l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n chi tr\u1ea3 chi ph\u00ed d\u1ecbch v\u1ee5 y t\u1ebf theo th\u1ecfa thu\u1eadn v\u00e0 gi\u1edbi h\u1ea1n. Trong th\u1ef1c t\u1ebf, n\u00f3 c\u00f3 th\u1ec3 bao g\u1ed3m t\u01b0 v\u1ea5n y t\u1ebf, ch\u1ea9n \u0111o\u00e1n, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, nh\u1eadp vi\u1ec7n, ph\u1eabu thu\u1eadt, thu\u1ed1c v\u00e0 v\u1eadt t\u01b0 y t\u1ebf \u2013 mi\u1ec5n l\u00e0 \u0111\u01b0\u1ee3c b\u00e1c s\u0129 ch\u1ec9 \u0111\u1ecbnh v\u00e0 n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Trong c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m, th\u01b0\u1eddng c\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3: c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u1ecbnh c\u01a1 s\u1edf y t\u1ebf ho\u1eb7c \u0111\u1eb7t l\u1ecbch h\u1eb9n.<\/p>\n<p>\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, hai \u0111\u1eb7c \u0111i\u1ec3m sau \u0111\u00e2y r\u1ea5t quan tr\u1ecdng: Th\u1ee9 nh\u1ea5t, nhi\u1ec1u ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m cung c\u1ea5p... <strong>d\u1ecbch v\u1ee5 kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/strong> (c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ed5 ch\u1ee9c v\u00e0 chi tr\u1ea3 cho d\u1ecbch v\u1ee5), v\u00e0 th\u1ee9 hai \u2013 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb theo c\u00e1c y\u00eau c\u1ea7u ph\u00e1p l\u00fd. Trong t\u00e0i li\u1ec7u s\u1ea3n ph\u1ea9m c\u00f3 tuy\u00ean b\u1ed1 r\u00f5 r\u00e0ng r\u1eb1ng b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a lu\u1eadt v\u1ec1 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u00f3 th\u1ec3 l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 xin th\u1ecb th\u1ef1c.<\/p>\n<p>Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ea1n ch\u1ebf. V\u00ed d\u1ee5, m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 n\u1ebfu \u0111\u00e3 \u0111\u01b0\u1ee3c NFZ ho\u00e0n tr\u1ea3 \u2013 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng chi tr\u1ea3 \u201ehai l\u1ea7n\u201d cho c\u00f9ng m\u1ed9t d\u1ecbch v\u1ee5. Ngo\u00e0i ra, c\u00f2n c\u00f3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 li\u00ean quan \u0111\u1ebfn c\u00e1c m\u00f4n th\u1ec3 thao m\u1ea1o hi\u1ec3m, th\u01b0\u01a1ng t\u00edch do \u1ea3nh h\u01b0\u1edfng c\u1ee7a r\u01b0\u1ee3u ho\u1eb7c c\u00e1c th\u1ee7 thu\u1eadt y t\u1ebf kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">KL v\u00e0 NFZ \u2013 s\u1ef1 kh\u00e1c bi\u1ec7t trong th\u1ef1c t\u1ebf<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>Ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5:<\/strong> NFZ y\u00eau c\u1ea7u quy\u1ec1n l\u1ee3i v\u00e0 s\u1eed d\u1ee5ng c\u00e1c c\u01a1 s\u1edf c\u00f3 h\u1ee3p \u0111\u1ed3ng; KL ho\u1ea1t \u0111\u1ed9ng theo nguy\u00ean t\u1eafc ch\u00ednh s\u00e1ch v\u00e0 m\u1ea1ng l\u01b0\u1edbi\/c\u00e1c c\u01a1 s\u1edf \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb.<\/span> <\/li>\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>Thanh to\u00e1n:<\/strong> NFZ l\u00e0 t\u00e0i tr\u1ee3 c\u00f4ng; KL l\u00e0 gi\u1edbi h\u1ea1n (t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m) v\u00e0 c\u00e1c quy t\u1eafc tr\u00e1ch nhi\u1ec7m, \u0111\u00f4i khi c\u00f3 gi\u1edbi h\u1ea1n \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 nh\u1ea5t \u0111\u1ecbnh.<\/span> <\/li>\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>H\u00e0ng \u0111\u1ee3i v\u00e0 th\u1eddi h\u1ea1n:<\/strong> Trong NFZ, b\u1ea1n th\u01b0\u1eddng c\u1ea7n gi\u1ea5y gi\u1edbi thi\u1ec7u v\u00e0 ph\u1ea3i ch\u1edd \u0111\u1ee3i; trong KL, b\u1ea1n th\u01b0\u1eddng c\u00f3 th\u1ec3 \u0111\u1eb7t l\u1ecbch h\u1eb9n kh\u00e1m nhanh h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00e1m ngo\u1ea1i tr\u00fa.<\/span> <\/li>\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>T\u00e0i li\u1ec7u c\u1ea7n h\u1ee3p ph\u00e1p h\u00f3a:<\/strong> B\u1ea3o hi\u1ec3m KL \u0111\u00f4i khi \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ho\u1eb7c r\u1ea5t h\u1eefu \u00edch trong c\u00e1c th\u1ee7 t\u1ee5c; NFZ kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u201ek\u1ebft th\u00fac\u201d v\u1ea5n \u0111\u1ec1 t\u1ea1i c\u01a1 quan.<\/span> <\/li>\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>T\u00e0i tr\u1ee3 k\u00e9p:<\/strong> KL th\u01b0\u1eddng kh\u00f4ng chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111\u00e3 \u0111\u01b0\u1ee3c NFZ ho\u00e0n tr\u1ea3.<\/span> <\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n xem c\u00e1c ch\u00ednh s\u00e1ch kh\u00e1c nhau \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng nh\u01b0 th\u1ebf n\u00e0o, th\u00ec b\u1ea3n t\u1ed5ng quan sau \u0111\u00e2y c\u0169ng s\u1ebd h\u1eefu \u00edch: <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-loai-bao-hiem-cho-nguoi-nuoc-ngoai\/\">C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. \u0110i\u1ec1u n\u00e0y gi\u00fap d\u1ec5 hi\u1ec3u h\u01a1n li\u1ec7u b\u1ea3o hi\u1ec3m \u0111\u00f3 l\u00e0 b\u1ea3o hi\u1ec3m \u201edu l\u1ecbch\u201d hay ch\u1ec9 d\u00e0nh ri\u00eang cho th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">\u0110i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan: ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i l\u00e0m g\u00ec khi b\u1ecb b\u1ec7nh?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u0103ng th\u1eb3ng l\u1edbn nh\u1ea5t xu\u1ea5t hi\u1ec7n trong c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p: \u0111au d\u1eef d\u1ed9i, ch\u1ea5n th\u01b0\u01a1ng, s\u1ed1t cao, b\u1ec7nh m\u00e3n t\u00ednh tr\u1edf n\u1eb7ng. L\u00fac \u0111\u00f3, th\u1eddi gian l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng. N\u1ebfu b\u1ea1n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL, b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean th\u01b0\u1eddng l\u00e0 li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u ho\u1eb7c \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng \u2013 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1eafp x\u1ebfp cu\u1ed9c h\u1eb9n, ch\u1ec9 \u0111\u1ecbnh c\u01a1 s\u1edf y t\u1ebf v\u00e0 x\u00e1c nh\u1eadn thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng bao g\u1ed3m v\u1eadn chuy\u1ec3n y t\u1ebf t\u1eeb n\u01a1i x\u1ea3y ra s\u1ef1 c\u1ed1 \u0111\u1ebfn b\u1ec7nh vi\u1ec7n ho\u1eb7c ph\u00f2ng kh\u00e1m, n\u1ebfu c\u1ea7n thi\u1ebft.<\/p>\n<p>Khi b\u1ea1n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 s\u1eafp x\u1ebfp tr\u01b0\u1edbc, c\u00f3 th\u1ec3 x\u1ea3y ra hai tr\u01b0\u1eddng h\u1ee3p: b\u1ea1n t\u1ef1 thanh to\u00e1n v\u00e0 sau \u0111\u00f3 n\u1ed9p \u0111\u01a1n xin ho\u00e0n tr\u1ea3 (ho\u00e0n ti\u1ec1n), ho\u1eb7c c\u01a1 s\u1edf y t\u1ebf thanh to\u00e1n tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m sau khi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n. C\u00e1c t\u00e0i li\u1ec7u quan tr\u1ecdng l\u00e0: phi\u1ebfu th\u00f4ng tin \u0111i\u1ec1u tr\u1ecb, ch\u1ec9 \u0111\u1ecbnh, h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb thanh to\u00e1n. N\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c t\u00e0i li\u1ec7u n\u00e0y, vi\u1ec7c l\u1ea5y l\u1ea1i ti\u1ec1n c\u00f3 th\u1ec3 kh\u00f3 kh\u0103n.<\/p>\n<p>N\u1ebfu b\u1ea1n c\u1ea7n h\u01b0\u1edbng d\u1eabn th\u1ef1c t\u1ebf \u201et\u1eebng b\u01b0\u1edbc\u201d, b\u1ea1n n\u00ean gi\u1edbi thi\u1ec7u cho \u0111\u1ed9c gi\u1ea3 h\u01b0\u1edbng d\u1eabn sau: <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-cau-hoi-thuong-gap-va-loi-khuyen-thuc-te-cho-nguoi-nuoc-ngoai\/cong-ty-bao-hiem-europ-assistance\/\">C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 v\u00e0 t\u1ed5 ch\u1ee9c c\u1ee9u tr\u1ee3<\/a> v\u00e0 b\u00e0i vi\u1ebft v\u1ec1 \u0111i\u1ec1u n\u00e0y, <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-cau-hoi-thuong-gap-va-loi-khuyen-thuc-te-cho-nguoi-nuoc-ngoai\/bao-hiem-cho-nguoi-nuoc-ngoai-o-ba-lan-noi-mua-re-nhat\/\">N\u01a1i mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">Ghi l\u1ea1i s\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng\/trung t\u00e2m kh\u1ea9n c\u1ea5p trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0o \u0111i\u1ec7n tho\u1ea1i. Trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, \u0111\u00e2y th\u01b0\u1eddng l\u00e0 c\u00e1ch nhanh nh\u1ea5t \u0111\u1ec3 \u0111\u01b0\u1ee3c th\u0103m kh\u00e1m m\u00e0 kh\u00f4ng c\u1ea7n ti\u1ec1n m\u1eb7t v\u00e0 \u0111\u1ebfn \u0111\u00fang c\u01a1 s\u1edf y t\u1ebf.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m khi so s\u00e1nh KL v\u00e0 NFZ<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p v\u00e0 b\u1ea3o v\u1ec7 th\u1ef1c t\u1ebf trong cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y, \u0111\u1eebng ch\u1ec9 so s\u00e1nh gi\u00e1 c\u1ea3. H\u00e3y ki\u1ec3m tra xem ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn trong c\u00e1c th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa hay kh\u00f4ng, t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau, c\u00f3 d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t hay kh\u00f4ng v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 quan tr\u1ecdng (v\u00ed d\u1ee5: ch\u1ea9n \u0111o\u00e1n, \u0111i\u1ec1u tr\u1ecb, ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng) l\u00e0 g\u00ec. H\u00e3y ch\u00fa \u00fd \u0111\u1ebfn c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, v\u00ec ch\u00fang th\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh li\u1ec7u c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 chi tr\u1ea3 cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb hay kh\u00f4ng.<\/p>\n<p>Trong th\u1ef1c t\u1ebf, b\u1ea1n n\u00ean t\u1ef1 h\u1ecfi m\u00ecnh m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi: B\u1ea1n c\u00f3 m\u1eafc b\u1ec7nh m\u00e3n t\u00ednh v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 ngay c\u1ea3 khi c\u00e1c tri\u1ec7u ch\u1ee9ng tr\u1edf n\u00ean tr\u1ea7m tr\u1ecdng h\u01a1n kh\u00f4ng? B\u1ea1n c\u00f3 ch\u01a1i th\u1ec3 thao ho\u1eb7c l\u00e0m c\u00f4ng vi\u1ec7c th\u1ec3 ch\u1ea5t kh\u00f4ng? B\u1ea1n c\u00f3 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c ti\u1ebfp c\u1eadn nhanh ch\u00f3ng v\u1edbi b\u00e1c s\u0129 chuy\u00ean khoa kh\u00f4ng? C\u00e1c c\u00e2u tr\u1ea3 l\u1eddi s\u1ebd d\u1eabn b\u1ea1n \u0111\u1ebfn l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m ch\u1ec9 d\u00e0nh cho \u201evisa\u201d, h\u00e3y so s\u00e1nh n\u00f3 v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn kh\u00e1c, v\u00ed d\u1ee5 nh\u01b0 trong b\u00e0i vi\u1ebft: <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-loai-bao-hiem-cho-nguoi-nuoc-ngoai\/bao-hiem-cho-visa-schengen-re-nhat-so-voi-tot-nhat\/\">B\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t so v\u1edbi b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t cho visa Schengen<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Danh s\u00e1ch ki\u1ec3m tra: nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>T\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m KL:<\/strong> li\u1ec7u c\u00f3 \u0111\u1ee7 cho \u0111i\u1ec1u tr\u1ecb t\u1ea1i b\u1ec7nh vi\u1ec7n v\u00e0 ch\u1ea9n \u0111o\u00e1n hay kh\u00f4ng.<\/span> <\/li>\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>\u0110i\u1ec1u tr\u1ecb kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t:<\/strong> li\u1ec7u c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 s\u1eafp x\u1ebfp c\u00e1c cu\u1ed9c h\u1eb9n v\u00e0 chi tr\u1ea3 chi ph\u00ed m\u00e0 kh\u00f4ng y\u00eau c\u1ea7u thanh to\u00e1n tr\u01b0\u1edbc hay kh\u00f4ng.<\/span> <\/li>\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>Mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m:<\/strong> r\u01b0\u1ee3u, th\u1ec3 thao, h\u00e0nh vi c\u1ed1 \u00fd, c\u00e1c s\u1ef1 ki\u1ec7n kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/span> <\/li>\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>B\u1ec7nh m\u00e3n t\u00ednh:<\/strong> li\u1ec7u ch\u00ednh s\u00e1ch c\u00f3 bao g\u1ed3m s\u1ef1 tr\u1ea7m tr\u1ecdng c\u1ee7a b\u1ec7nh t\u1eadt v\u00e0 trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0o.<\/span> <\/li>\n<li class=\"kt-svg-icon-list-item\"> <span class=\"kt-svg-icon-list-text\"><strong>Quy t\u1eafc \u0111\u0103ng k\u00fd:<\/strong> khi n\u00e0o c\u1ea7n g\u1ecdi \u0111\u1ebfn trung t\u00e2m c\u1ea5p c\u1ee9u v\u00e0 nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n.<\/span> <\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u00f3m t\u1eaft: ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u00ean ch\u1ecdn g\u00ec<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>So s\u00e1nh <strong>B\u1ea3o hi\u1ec3m KL v\u00e0 NFZ<\/strong>, n\u00ean xem ch\u00fang nh\u01b0 hai c\u01a1 ch\u1ebf kh\u00e1c nhau. NFZ l\u00e0 h\u1ec7 th\u1ed1ng c\u00f4ng c\u1ed9ng \u2013 ho\u1ea1t \u0111\u1ed9ng khi b\u1ea1n c\u00f3 quy\u1ec1n l\u1ee3i v\u00e0 s\u1eed d\u1ee5ng c\u00e1c c\u01a1 s\u1edf y t\u1ebf c\u00f3 h\u1ee3p \u0111\u1ed3ng. B\u1ea3o hi\u1ec3m KL l\u00e0 b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 \u0111i\u1ec1u ki\u1ec7n h\u1ee3p \u0111\u1ed3ng, th\u01b0\u1eddng bao g\u1ed3m vi\u1ec7c t\u1ed5 ch\u1ee9c \u0111i\u1ec1u tr\u1ecb v\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. Do \u0111\u00f3, <strong>S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa NFZ v\u00e0 b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n<\/strong> B\u1ea1n s\u1ebd c\u1ea3m nh\u1eadn \u0111i\u1ec1u n\u00e0y r\u00f5 nh\u1ea5t khi c\u1ea7n m\u1ed9t cu\u1ed9c h\u1eb9n nhanh ch\u00f3ng v\u00e0 c\u00e1c quy t\u1eafc thanh to\u00e1n r\u00f5 r\u00e0ng.<\/p>\n<p>N\u1ebfu b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch \u1edf l\u1ea1i Ba Lan, h\u00e3y ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch (visa, l\u00e0m vi\u1ec7c, h\u1ecdc t\u1eadp, gia \u0111\u00ecnh) v\u00e0 nhu c\u1ea7u s\u1ee9c kh\u1ecfe th\u1ef1c t\u1ebf c\u1ee7a b\u1ea1n. Tr\u00ean trang polisa-obcokrajowca.pl, b\u1ea1n c\u00f3 th\u1ec3 ki\u1ec3m tra c\u00e1c gi\u1ea3i ph\u00e1p c\u00f3 s\u1eb5n cho c\u00e1c t\u00ecnh hu\u1ed1ng kh\u00e1c nhau \u2013 \u0111\u1ec3 <strong>B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i (Ba Lan)<\/strong> n\u00f3 v\u1eeba \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1eeba h\u1eefu \u00edch trong cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y.<\/p>\n<\/p><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>NFZ v\u00e0 b\u1ea3o hi\u1ec3m KL \u2013 \u0111i\u1ec1u g\u00ec \u0111ang x\u1ea3y ra \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1ebfn Ba Lan, \u0111i\u1ec1u b\u1ea5t ng\u1edd nh\u1ea5t l\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 y t\u1ebf\u2026.<\/p>","protected":false},"author":2,"featured_media":4085,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[42],"tags":[51,54,50,57,52],"class_list":["post-4086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podstawy-ubezpieczenia-kosztow-leczenia-kl","tag-koszty-leczenia","tag-legalizacja-pobytu","tag-ubezpieczenie-cudzoziemca","tag-ubezpieczenie-zdrowotne","tag-wiza"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ubezpieczenie KL a NFZ: r\u00f3\u017cnice dla obcokrajowca - Polisa obcokrajowca<\/title>\n<meta name=\"description\" content=\"Poznaj r\u00f3\u017cnice NFZ i prywatne ubezpieczenie KL w Polsce. 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