{"id":4114,"date":"2026-03-19T13:20:11","date_gmt":"2026-03-19T12:20:11","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/nieskategoryzowane\/ubezpieczenie-a-odmowa-wizy-zwrot-pieniedzy\/"},"modified":"2026-09-08T15:37:19","modified_gmt":"2026-09-08T13:37:19","slug":"bao-hiem-va-viec-bi-tu-choi-cap-thi-thuc-hoan-tien","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/najczestsze-pytania-i-praktyczne-porady-dla-obcokrajowca\/ubezpieczenie-a-odmowa-wizy-zwrot-pieniedzy\/","title":{"rendered":"B\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c \u2013 ho\u00e0n ti\u1ec1n"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, vi\u1ec7c mua b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t trong nh\u1eefng b\u01b0\u1edbc b\u1eaft bu\u1ed9c khi chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c. V\u1ea5n \u0111\u1ec1 n\u1ea3y sinh khi c\u01a1 quan ch\u1ee9c n\u0103ng t\u1eeb ch\u1ed1i \u0111\u01a1n xin d\u00f9 h\u1ed3 s\u01a1 \u0111\u00e3 \u0111\u1ea7y \u0111\u1ee7. Trong t\u00ecnh hu\u1ed1ng n\u00e0y, c\u00e2u h\u1ecfi t\u1ef1 nhi\u00ean \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0: li\u1ec7u <strong>B\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c<\/strong> c\u00f3 ngh\u0129a l\u00e0 t\u1ef1 \u0111\u1ed9ng m\u1ea5t ti\u1ec1n, nh\u01b0ng li\u1ec7u c\u00f3 th\u1ec3 <strong>ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m<\/strong>?<\/p>\n<p>C\u00e2u tr\u1ea3 l\u1eddi l\u00e0: \u0111i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 th\u1eddi \u0111i\u1ec3m b\u1ea1n th\u00f4ng b\u00e1o h\u1ee7y h\u1ee3p \u0111\u1ed3ng. Tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen cho ph\u00e9p ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng v\u00e0 nh\u1eadn l\u1ea1i s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng n\u1ebfu chuy\u1ebfn \u0111i ch\u01b0a b\u1eaft \u0111\u1ea7u, ch\u01b0a c\u00f3 b\u1ea5t k\u1ef3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng n\u00e0o \u0111\u01b0\u1ee3c n\u1ed9p, v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 cung c\u1ea5p b\u1eb1ng ch\u1ee9ng v\u1ec1 vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch khi n\u00e0o <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 du l\u1ecbch cho th\u1ecb th\u1ef1c Schengen<\/a> c\u00f3 th\u1ec3 h\u1ee7y b\u1ecf v\u00e0 c\u00e1ch th\u1ef1c hi\u1ec7n hi\u1ec7u qu\u1ea3.<\/p>\n<\/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 L\u1eddi khuy\u00ean quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">Ch\u1ec9 vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c th\u00f4i th\u00ec ch\u01b0a h\u1eb3n \u0111\u00e3 \u0111\u1ee7. Th\u00f4ng th\u01b0\u1eddng, c\u1ea7n ph\u1ea3i c\u00f3 v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c x\u00e1c nh\u1eadn quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 c\u00f9ng v\u1edbi th\u00f4ng b\u00e1o h\u1ee7y b\u1ecf tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ho\u1eb7c chuy\u1ebfn \u0111i.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Khi n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Theo th\u00f4ng tin \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m Schengen, <strong>ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 x\u1ea3y ra n\u1ebfu c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng \u0111\u1ed3ng th\u1eddi. Th\u00f4ng th\u01b0\u1eddng, c\u00f3 ba y\u1ebfu t\u1ed1 ch\u00ednh: chuy\u1ebfn \u0111i n\u01b0\u1edbc ngo\u00e0i ch\u01b0a b\u1eaft \u0111\u1ea7u, ch\u01b0a c\u00f3 b\u1ea5t k\u1ef3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng n\u00e0o \u0111\u01b0\u1ee3c n\u1ed9p ho\u1eb7c s\u1ef1 c\u1ed1 n\u00e0o c\u00f3 th\u1ec3 l\u00e0m c\u01a1 s\u1edf cho y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, v\u00e0 c\u00f3 b\u1eb1ng ch\u1ee9ng h\u1ee3p l\u1ec7 v\u1ec1 vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c.<\/p>\n<p>N\u1ebfu c\u00e1c \u0111i\u1ec1u ki\u1ec7n n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng, ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u00f4ng b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 \u00fd \u0111\u1ecbnh ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), th\u1eadm ch\u00ed c\u00f2n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng. \u0110\u00e2y l\u00e0 tin t\u1ed1t cho nh\u1eefng ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m ch\u1ec9 nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a l\u00e3nh s\u1ef1 qu\u00e1n ho\u1eb7c trung t\u00e2m th\u1ecb th\u1ef1c. Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd r\u1eb1ng m\u1ed7i <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\/\">h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m do m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 ph\u00e1t h\u00e0nh<\/a> c\u00f3 th\u1ec3 bao g\u1ed3m quy tr\u00ecnh \u0111\u0103ng k\u00fd ri\u00eang.<\/p>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">C\u00e1c \u0111i\u1ec1u ki\u1ec7n ho\u00e0n tr\u1ea3 ph\u1ed5 bi\u1ebfn nh\u1ea5t<\/h3>\n<\/div>\n<\/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>Ch\u01b0a c\u00f3 chuy\u1ebfn \u0111i n\u00e0o \u0111\u01b0\u1ee3c b\u1eaft \u0111\u1ea7u:<\/strong> bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 n\u00e0y th\u1ef1c t\u1ebf kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng n\u1eefa.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kh\u00f4ng c\u00f3 thi\u1ec7t h\u1ea1i:<\/strong> kh\u00f4ng th\u1ec3 x\u1ea3y ra vi\u1ec7c khi\u1ebfu n\u1ea1i hay s\u1ef1 c\u1ed1 n\u00e0o.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>V\u0103n b\u1ea3n v\u0103n b\u1ea3n v\u0103n b\u1ea3n<\/strong> c\u1ea7n c\u00f3 quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u00f4ng b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m:<\/strong> Vi\u1ec7c h\u1ee7y b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o ch\u00ednh th\u1ee9c.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Quy tr\u00ecnh h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen di\u1ec5n ra nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>H\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen<\/strong> kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 kh\u00f4ng s\u1eed d\u1ee5ng gi\u1ea5y t\u1edd \u0111\u00f3. B\u1ea1n c\u1ea7n ph\u1ea3i g\u1eedi m\u1ed9t tuy\u00ean b\u1ed1 r\u00f5 r\u00e0ng \u0111\u1ebfn c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u1ea1i l\u00fd n\u01a1i b\u1ea1n \u0111\u00e3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. T\u1ed1t nh\u1ea5t l\u00e0 n\u00ean l\u00e0m \u0111i\u1ec1u n\u00e0y ngay sau khi nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i, tr\u01b0\u1edbc khi th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ho\u1eb7c chuy\u1ebfn \u0111i \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1eaft \u0111\u1ea7u.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, th\u1ee7 t\u1ee5c n\u00e0y th\u01b0\u1eddng kh\u00e1 \u0111\u01a1n gi\u1ea3n. Kh\u00e1ch h\u00e0ng g\u1eedi s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u00f4ng tin ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, b\u1ea3n scan ho\u1eb7c \u1ea3nh ch\u1ee5p quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng c\u00f9ng v\u1edbi y\u00eau c\u1ea7u ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u x\u00e1c nh\u1eadn r\u1eb1ng kh\u00f4ng c\u00f3 s\u1ef1 c\u1ed1 n\u00e0o thu\u1ed9c ph\u1ea1m vi b\u1ea3o hi\u1ec3m x\u1ea3y ra. Vi\u1ec7c ki\u1ec3m tra tr\u01b0\u1edbc ph\u1ea7n li\u00ean h\u1ec7 ho\u1eb7c bi\u1ec3u m\u1eabu tr\u00ean trang web th\u01b0\u1eddng r\u1ea5t h\u1eefu \u00edch. N\u1ebfu b\u1ea1n m\u1edbi ch\u1ec9 \u0111ang c\u00f3 \u00fd \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m, b\u1ea1n c\u0169ng n\u00ean so s\u00e1nh <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> v\u00e0 c\u00e1c ch\u00ednh s\u00e1ch ho\u00e0n tr\u1ea3 c\u1ee7a t\u1eebng t\u00f9y ch\u1ecdn l\u00e0 g\u00ec.<\/p>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">C\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft \u0111\u1ec3 h\u1ee7y b\u1ecf<\/h3>\n<\/div>\n<\/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>S\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1 s\u1ed1<\/strong> x\u00e1c \u0111\u1ecbnh h\u1ee3p \u0111\u1ed3ng trong h\u1ec7 th\u1ed1ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u00f4ng tin kh\u00e1ch h\u00e0ng:<\/strong> h\u1ecd t\u00ean v\u00e0 th\u00f4ng tin li\u00ean l\u1ea1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i:<\/strong> b\u1eb1ng ch\u1ee9ng cho th\u1ea5y th\u1ecb th\u1ef1c ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Y\u00eau c\u1ea7u h\u1ee7y b\u1ecf:<\/strong> Th\u00f4ng b\u00e1o ng\u1eafn xin ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul>\n<\/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 L\u1eddi khuy\u00ean h\u1eefu \u00edch<\/h4>\n<p class=\"kt-blocks-info-box-text\">Tr\u01b0\u1edbc khi g\u1eedi \u0111\u01a1n, h\u00e3y ki\u1ec3m tra ng\u00e0y b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m. B\u1ea1n th\u00f4ng b\u00e1o h\u1ee7y b\u1ea3o hi\u1ec3m c\u00e0ng s\u1edbm, r\u1ee7i ro x\u1ea3y ra tranh ch\u1ea5p v\u1ec1 t\u00ednh h\u1ee3p l\u1ec7 c\u1ee7a kho\u1ea3n ho\u00e0n tr\u1ea3 c\u00e0ng th\u1ea5p.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Khi n\u00e0o b\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Kh\u00f4ng ph\u1ea3i tr\u01b0\u1eddng h\u1ee3p n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n. V\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng n\u1ea3y sinh khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c, \u0111\u00e3 c\u00f3 th\u00f4ng b\u00e1o v\u1ec1 t\u1ed5n th\u1ea5t ho\u1eb7c kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f3 v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c x\u00e1c nh\u1eadn vi\u1ec7c t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng. C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u0169ng r\u1ea5t quan tr\u1ecdng, v\u00ec v\u1eady lu\u00f4n c\u1ea7n \u0111\u1ecdc k\u1ef9 tr\u01b0\u1edbc khi mua, gi\u1ed1ng nh\u01b0 vi\u1ec7c ph\u00e2n t\u00edch <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\/\">C\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft khi l\u00e0m th\u1ee7 t\u1ee5c ki\u1ec3m so\u00e1t Schengen<\/a>.<\/p>\n<p>C\u0169ng c\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 vi\u1ec7c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c chi ph\u00ed kh\u00e1c li\u00ean quan \u0111\u1ebfn chuy\u1ebfn \u0111i. M\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m h\u1ee7y chuy\u1ebfn \u0111i bao g\u1ed3m vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c l\u00e0 l\u00fd do h\u1ee7y chuy\u1ebfn \u0111i, nh\u01b0ng \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 c\u00e1c kho\u1ea3n ph\u00ed th\u1ecb th\u1ef1c, chi ph\u00ed ph\u00e1t sinh ho\u1eb7c c\u00e1c chi ph\u00ed kh\u00e1c s\u1ebd t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i. Trong c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn, c\u00f3 th\u00f4ng tin r\u00f5 r\u00e0ng r\u1eb1ng kh\u00f4ng ph\u1ea3i c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o c\u0169ng ho\u00e0n l\u1ea1i chi ph\u00ed th\u1ecb th\u1ef1c nh\u1eadp c\u1ea3nh. Do \u0111\u00f3 <strong>h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong> v\u00e0 vi\u1ec7c ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t ri\u00eang bi\u1ec7t v\u1edbi vi\u1ec7c ho\u00e0n tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i l\u1ea1i kh\u00e1c.<\/p>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua<\/h3>\n<\/div>\n<\/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>Th\u1eddi gian th\u1eddi gian th\u1eddi gian<\/strong> H\u00e3y ki\u1ec3m tra th\u1eddi \u0111i\u1ec3m h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n:<\/strong> t\u00ecm ki\u1ebfm c\u00e1c h\u1ed3 s\u01a1 v\u1ec1 vi\u1ec7c t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c v\u00e0 ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi ho\u00e0n tr\u1ea3:<\/strong> X\u00e1c \u0111\u1ecbnh xem kho\u1ea3n \u0111\u00f3ng g\u00f3p n\u00e0y \u00e1p d\u1ee5ng cho to\u00e0n b\u1ed9 hay ch\u1ec9 m\u1ed9t ph\u1ea7n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1ch th\u1ee9c \u0111\u0103ng k\u00fd:<\/strong> qua email, bi\u1ec3u m\u1eabu ho\u1eb7c li\u00ean h\u1ec7 v\u1edbi nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi gian ph\u1ea3n h\u1ed3i:<\/strong> H\u00e3y ki\u1ec3m tra xem c\u1ea7n n\u1ed9p \u0111\u01a1n trong th\u1eddi gian bao l\u00e2u.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">H\u01b0\u1edbng d\u1eabn t\u1eebng b\u01b0\u1edbc<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i, tr\u01b0\u1edbc ti\u00ean h\u00e3y gi\u1eef l\u1ea1i to\u00e0n b\u1ed9 h\u1ed3 s\u01a1. Sau \u0111\u00f3, h\u00e3y ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n v\u00e0 chu\u1ea9n b\u1ecb \u0111\u01a1n y\u00eau c\u1ea7u ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Trong n\u1ed9i dung th\u01b0, h\u00e3y n\u00eau r\u00f5 r\u1eb1ng \u0111\u00e2y l\u00e0 <strong>B\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c<\/strong>, vui l\u00f2ng cung c\u1ea5p s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 y\u00eau c\u1ea7u <strong>ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m<\/strong>. Vui l\u00f2ng \u0111\u00ednh k\u00e8m t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c t\u1eeb ch\u1ed1i c\u00f9ng th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a b\u1ea1n.<\/p>\n<p>Cu\u1ed1i c\u00f9ng, h\u00e3y y\u00eau c\u1ea7u x\u00e1c nh\u1eadn vi\u1ec7c nh\u1eadn \u0111\u01a1n v\u00e0 th\u1eddi h\u1ea1n xem x\u00e9t \u0111\u01a1n. N\u1ebfu b\u1ea1n kh\u00f4ng ch\u1eafc li\u1ec7u h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 c\u00f3 cho ph\u00e9p <strong>h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen<\/strong>, h\u00e3y li\u00ean h\u1ec7 v\u1edbi \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m. \u0110\u00e2y l\u00e0 c\u00e1ch an to\u00e0n nh\u1ea5t. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p kh\u00f4ng ch\u1ec9 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c m\u00e0 c\u00f2n ph\u1ea3i c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee7y b\u1ecf r\u00f5 r\u00e0ng. Nh\u1edd \u0111\u00f3, trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng l\u1ea5y l\u1ea1i ti\u1ec1n h\u01a1n v\u00e0 tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng c\u0103ng th\u1eb3ng kh\u00f4ng \u0111\u00e1ng c\u00f3.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, vi\u1ec7c mua b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t trong nh\u1eefng b\u01b0\u1edbc b\u1eaft bu\u1ed9c khi chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c. V\u1ea5n \u0111\u1ec1 n\u1ea3y sinh khi\u2026<\/p>","protected":false},"author":2,"featured_media":4113,"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":[47],"tags":[60,55,50,52,59],"class_list":["post-4114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-praktyczne-porady-dla-obcokrajowca","tag-odmowa-wizy","tag-strefa-schengen","tag-ubezpieczenie-cudzoziemca","tag-wiza","tag-zwrot-skladki"],"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 a odmowa wizy \u2013 zwrot pieni\u0119dzy - Polisa obcokrajowca<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, czy po odmowie wizy mo\u017cliwy jest zwrot sk\u0142adki ubezpieczeniowej i jak wygl\u0105da rezygnacja z polisy Schengen krok po kroku.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-cau-hoi-thuong-gap-va-loi-khuyen-thuc-te-cho-nguoi-nuoc-ngoai\/bao-hiem-va-viec-bi-tu-choi-cap-thi-thuc-hoan-tien\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ubezpieczenie a odmowa wizy \u2013 zwrot pieni\u0119dzy\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, czy po odmowie wizy mo\u017cliwy jest zwrot sk\u0142adki ubezpieczeniowej i jak wygl\u0105da rezygnacja z polisy Schengen krok po kroku.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-cau-hoi-thuong-gap-va-loi-khuyen-thuc-te-cho-nguoi-nuoc-ngoai\/bao-hiem-va-viec-bi-tu-choi-cap-thi-thuc-hoan-tien\/\" \/>\n<meta property=\"og:site_name\" content=\"Polisa obcokrajowca\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-19T12:20:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T13:37:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisa-obcokrajowca.pl\/wp-content\/uploads\/2026\/03\/foto-4.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2528\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\n\t<meta property=\"og:image:type\" 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