{"id":4117,"date":"2026-03-24T17:50:14","date_gmt":"2026-03-24T16:50:14","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/nieskategoryzowane\/jak-wybrac-ubezpieczenie-dla-cudzoziemca-w-5-krokach\/"},"modified":"2026-09-08T15:49:07","modified_gmt":"2026-09-08T13:49:07","slug":"cach-chon-bao-hiem-cho-nguoi-nuoc-ngoai-trong-5-buoc","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/najczestsze-pytania-i-praktyczne-porady-dla-obcokrajowca\/jak-wybrac-ubezpieczenie-dla-cudzoziemca-w-5-krokach\/","title":{"rendered":"C\u00e1ch ch\u1ecdn b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong 5 b\u01b0\u1edbc"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u1ea1i sao vi\u1ec7c l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m l\u1ea1i quan tr\u1ecdng<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c mua b\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng n\u00ean ch\u1ec9 d\u1ef1a v\u00e0o gi\u00e1 c\u1ea3. M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t ph\u1ea3i gi\u00fap \u00edch trong nh\u1eefng t\u00ecnh hu\u1ed1ng th\u1ef1c t\u1ebf: khi \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m, g\u1eb7p tai n\u1ea1n, ph\u1ea3i nh\u1eadp vi\u1ec7n ho\u1eb7c c\u1ea7n ch\u1ea9n \u0111o\u00e1n nhanh ch\u00f3ng. Ch\u00ednh v\u00ec v\u1eady, c\u00e2u h\u1ecfi l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u00ean \u0111\u01b0\u1ee3c chia th\u00e0nh c\u00e1c b\u01b0\u1edbc c\u1ee5 th\u1ec3. Nh\u01b0 v\u1eady <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">H\u01b0\u1edbng d\u1eabn v\u1ec1 b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/a> gi\u00fap tr\u00e1nh mua nh\u1ea7m s\u1ea3n ph\u1ea9m ch\u1ec9 tr\u00f4ng \u0111\u1eb9p m\u1eaft tr\u00ean qu\u1ea3ng c\u00e1o.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, th\u1eddi gian b\u1ea3o hi\u1ec3m d\u1ef1 ki\u1ebfn v\u00e0 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c. Sinh vi\u00ean c\u1ea7n lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c, ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u1ea7n lo\u1ea1i kh\u00e1c, v\u00e0 ng\u01b0\u1eddi xin th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa l\u1ea1i c\u1ea7n lo\u1ea1i kh\u00e1c n\u1eefa. \u0110i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, m\u00e0 c\u00f2n l\u00e0 ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, h\u1ed7 tr\u1ee3 v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb. N\u1ebfu b\u1ea1n mu\u1ed1n so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch c\u00f3 ch\u1ee7 \u0111\u00edch tr\u00ean trang web polisa-obcokrajowca.pl, d\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p \u0111\u01a1n gi\u1ea3n: g\u00f3i b\u1ea3o hi\u1ec3m KL 5 b\u01b0\u1edbc.<\/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 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn an to\u00e0n nh\u1ea5t. H\u00e3y lu\u00f4n ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c hay kh\u00f4ng v\u00e0 li\u1ec7u n\u00f3 c\u00f3 bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p hay kh\u00f4ng.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">B\u01b0\u1edbc 1: X\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch m\u1ee5c<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean l\u00e0 x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. \u0110\u00f3 l\u00e0 chuy\u1ebfn du l\u1ecbch, c\u00f4ng t\u00e1c, du h\u1ecdc, l\u01b0u tr\u00fa t\u1ea1m th\u1eddi hay \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c? B\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, b\u1edfi c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng v\u00e0 \u0111\u01a1n v\u1ecb t\u1ed5 ch\u1ee9c chuy\u1ebfn \u0111i c\u00f3 th\u1ec3 ch\u00fa tr\u1ecdng \u0111\u1ebfn nh\u1eefng n\u1ed9i dung kh\u00e1c nhau trong h\u1ee3p \u0111\u1ed3ng. T\u1ed1t nh\u1ea5t l\u00e0 b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c x\u00e1c \u0111\u1ecbnh r\u00f5 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 th\u1eddi gian b\u1ea3o hi\u1ec3m d\u1ef1 ki\u1ebfn.<\/p>\n<p>N\u1ebfu ch\u1ee7 \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u1ed3 s\u01a1, c\u00e1c t\u00e0i li\u1ec7u v\u1ec1 <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\/\">ki\u1ec3m so\u00e1t v\u00e0 c\u00e1c t\u00e0i li\u1ec7u Schengen<\/a> v\u00e0 v\u1ec1 m\u1ed1i quan h\u1ec7 gi\u1eefa h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa. B\u1ea1n c\u0169ng n\u00ean tham kh\u1ea3o ph\u1ea7n <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/bao-hiem-va-muc-dich-luu-tru\/\">b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa<\/a>, \u0111\u1ec3 xem lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p>\u1ede giai \u0111o\u1ea1n n\u00e0y, h\u00e3y t\u1ef1 tr\u1ea3 l\u1eddi b\u1ed1n c\u00e2u h\u1ecfi sau: ph\u1ea1m vi \u00e1p d\u1ee5ng c\u1ee7a bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 l\u00e0 \u1edf \u0111\u00e2u, th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u \u00e1p d\u1ee5ng, th\u1eddi gian \u00e1p d\u1ee5ng k\u00e9o d\u00e0i bao l\u00e2u v\u00e0 li\u1ec7u bi\u1ec7n ph\u00e1p n\u00e0y c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u h\u00e0nh ch\u00ednh c\u1ee5 th\u1ec3 hay kh\u00f4ng. \u0110\u00e2y l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n, n\u1ebfu thi\u1ebfu ch\u00fang th\u00ec kh\u00f3 c\u00f3 th\u1ec3 ti\u1ebfn h\u00e0nh c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra ngay l\u1eadp t\u1ee9c<\/h3>\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>Ph\u1ea1m vi l\u00e3nh th\u1ed5:<\/strong> B\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i Ba Lan, trong khu v\u1ef1c Schengen hay tr\u00ean ph\u1ea1m vi r\u1ed9ng h\u01a1n kh\u00f4ng?.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi gian b\u1ea3o v\u1ec7:<\/strong> c\u00e1c ng\u00e0y th\u00e1ng c\u00f3 kh\u1edbp v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf kh\u00f4ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>M\u1ee5c \u0111\u00edch mua h\u00e0ng:<\/strong> li\u1ec7u t\u00e0i li\u1ec7u n\u00e0y c\u00f3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa hay kh\u00f4ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Lo\u1ea1i ng\u01b0\u1eddi:<\/strong> sinh vi\u00ean, nh\u00e2n vi\u00ean, kh\u00e1ch n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c kh\u00e1ch du l\u1ecbch.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">B\u01b0\u1edbc 2: Ki\u1ec3m tra m\u1ee9c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u01b0\u1edbc th\u1ee9 hai l\u00e0 ph\u00e2n t\u00edch xem ch\u00ednh x\u00e1c nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c bao g\u1ed3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. M\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m y t\u1ebf t\u1ed1t n\u00ean bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf sau khi b\u1ecb b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n. Trong th\u1ef1c t\u1ebf, th\u01b0\u1eddng bao g\u1ed3m c\u00e1c l\u1ea7n kh\u00e1m ngo\u1ea1i tr\u00fa, \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa, ph\u1eabu thu\u1eadt, x\u00e9t nghi\u1ec7m, v\u1eadn chuy\u1ec3n y t\u1ebf v\u00e0 t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 qua trung t\u00e2m c\u1ea5p c\u1ee9u. \u0110\u00e2y ch\u00ednh l\u00e0 c\u1ed1t l\u00f5i c\u1ee7a s\u1ef1 b\u1ea3o v\u1ec7, v\u00ec v\u1eady c\u1ee5m t\u1eeb \"b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb\" trong h\u01b0\u1edbng d\u1eabn n\u00e0y ho\u00e0n to\u00e0n c\u00f3 c\u01a1 s\u1edf.<\/p>\n<p>Theo c\u00e1c t\u00e0i li\u1ec7u s\u1ea3n ph\u1ea9m, c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 bao g\u1ed3m c\u1ea3 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p, v\u00e0 \u0111\u00f4i khi c\u00f2n k\u00e8m theo b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n ho\u1eb7c b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n. Kh\u00f4ng ph\u1ea3i g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0o c\u0169ng ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau. C\u00f3 g\u00f3i ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, trong khi g\u00f3i kh\u00e1c m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m sang c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 v\u1eadn chuy\u1ec3n, t\u01b0 v\u1ea5n y t\u1ebf ho\u1eb7c h\u1ed7 tr\u1ee3 t\u1ed5 ch\u1ee9c. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean so s\u00e1nh kh\u00f4ng ch\u1ec9 t\u00ean g\u00f3i b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n c\u1ea3 b\u1ea3ng quy\u1ec1n l\u1ee3i v\u00e0 m\u1ee9c gi\u1edbi h\u1ea1n.<\/p>\n<p>Ph\u1ea7n n\u00e0y s\u1ebd l\u00e0 m\u1ed9t ph\u1ea7n b\u1ed5 sung h\u1eefu \u00edch cho vi\u1ec7c \u0111\u1ecdc <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/co-so-bao-hiem-chi-phi-dieu-tri\/\">c\u01a1 s\u1edf b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/a>. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng \u0111\u00e1nh gi\u00e1 xem g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 th\u1ef1c s\u1ef1 mang l\u1ea1i s\u1ef1 b\u1ea3o v\u1ec7 trong th\u1ef1c t\u1ebf hay ch\u1ec9 mang t\u00ednh h\u00ecnh th\u1ee9c.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng trong l\u0129nh v\u1ef1c KL<\/h3>\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>\u0110i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa:<\/strong> kh\u00e1m b\u1ec7nh, ch\u1ea9n \u0111o\u00e1n v\u00e0 c\u00e1c th\u1ee7 thu\u1eadt c\u01a1 b\u1ea3n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Nh\u1eadp vi\u1ec7n nh\u1eadp vi\u1ec7n<\/strong> chi ph\u00ed n\u1eb1m vi\u1ec7n v\u00e0 ph\u1eabu thu\u1eadt trong ph\u1ea1m vi m\u1ee9c b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>V\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u00e0 v\u00e0 v v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v<\/strong> v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf ho\u1eb7c gi\u1eefa c\u00e1c c\u01a1 s\u1edf.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ed7 tr\u1ee3:<\/strong> vi\u1ec7c t\u1ed5 ch\u1ee9c c\u00f4ng t\u00e1c c\u1ee9u tr\u1ee3 th\u00f4ng qua trung t\u00e2m \u0111i\u1ec1u ph\u1ed1i kh\u1ea9n c\u1ea5p.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u00f9y ch\u1ecdn b\u1ed5 sung:<\/strong> B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 ho\u1eb7c c\u00e1c g\u00f3i m\u1edf r\u1ed9ng t\u00f9y theo nhu c\u1ea7u.<\/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 Nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu g\u00f3i b\u1ea3o hi\u1ec3m bao g\u1ed3m d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, h\u00e3y ki\u1ec3m tra xem d\u1ecbch v\u1ee5 n\u00e0y c\u00f3 \u0111\u01b0\u1ee3c thanh to\u00e1n tr\u1ef1c ti\u1ebfp hay kh\u00f4ng. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng mu\u1ed1n t\u1ef1 chi tr\u1ea3 chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh v\u00e0 sau \u0111\u00f3 ph\u1ea3i n\u1ed9p \u0111\u01a1n xin ho\u00e0n tr\u1ea3.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">B\u01b0\u1edbc 3: So s\u00e1nh c\u00e1c kho\u1ea3n t\u1ed5ng v\u00e0 c\u00e1c kho\u1ea3n mi\u1ec5n tr\u1eeb<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u01b0\u1edbc th\u1ee9 ba trong quy tr\u00ecnh 5 b\u01b0\u1edbc c\u1ee7a b\u1ea3o hi\u1ec3m KL l\u00e0 \u0111\u1ecdc k\u1ef9 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). Ch\u1ec9 vi\u1ec7c t\u00ean s\u1ea3n ph\u1ea9m c\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 ch\u01b0a \u0111\u1ee7. C\u1ea7n ki\u1ec3m tra s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Trong c\u00e1c t\u00e0i li\u1ec7u th\u1ecb tr\u01b0\u1eddng, th\u01b0\u1eddng xu\u1ea5t hi\u1ec7n c\u00e1c h\u1ea1n ch\u1ebf li\u00ean quan \u0111\u1ebfn c\u00e1c m\u00f4n th\u1ec3 thao m\u1ea1o hi\u1ec3m, \u0111i\u1ec1u tr\u1ecb ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, l\u01b0u tr\u00fa t\u1ea1i c\u00e1c vi\u1ec7n \u0111i\u1ec1u d\u01b0\u1ee1ng, c\u00e1c th\u1ee7 thu\u1eadt th\u1ea9m m\u1ef9 ho\u1eb7c c\u00e1c chi ph\u00ed ph\u00e1t sinh ngo\u00e0i ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n<p>\u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m, th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m ho\u1eb7c th\u1eddi gian ch\u1edd (n\u1ebfu c\u00f3) c\u0169ng r\u1ea5t quan tr\u1ecdng. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t c\u1ea7n l\u01b0u \u00fd khi kh\u00e1ch h\u00e0ng mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ngay tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh, b\u1eaft \u0111\u1ea7u c\u00f4ng vi\u1ec7c ho\u1eb7c n\u1ed9p h\u1ed3 s\u01a1. T\u1eeb g\u00f3c \u0111\u1ed9 c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u00e2y ch\u00ednh l\u00e0 l\u00fac h\u1ecd th\u01b0\u1eddng th\u1eafc m\u1eafc nh\u1ea5t v\u1ec1 nh\u1eefng \u0111i\u1ec1u c\u1ea7n ch\u00fa \u00fd. C\u00e2u tr\u1ea3 l\u1eddi l\u00e0: t\u1ea5t c\u1ea3 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf vi\u1ec7c chi tr\u1ea3 quy\u1ec1n l\u1ee3i ho\u1eb7c quy\u1ec1n ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 y t\u1ebf.<\/p>\n<p>B\u1ea1n c\u0169ng n\u00ean xem qua m\u1ee5c <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/pham-vi-bao-ve-va-mien-tru-trach-nhiem\/bao-hiem-va-suc-khoe-tam-than-tham-kham-bac-si-tam-than\/\">ph\u1ea1m vi b\u1ea3o v\u1ec7 v\u00e0 mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m<\/a>, b\u1edfi v\u00ec n\u00f3 cho th\u1ea5y c\u00e1c \u0111i\u1ec1u kho\u1ea3n chi ti\u1ebft c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn t\u00ednh h\u1eefu d\u1ee5ng th\u1ef1c t\u1ebf c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Nh\u1eefng c\u1ea1m b\u1eaby ph\u1ed5 bi\u1ebfn nh\u1ea5t<\/h3>\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 ti\u1ec1n s\u1ed1 1:<\/strong> c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 trong tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec1u tr\u1ecb nghi\u00eam tr\u1ecdng h\u01a1n ho\u1eb7c ph\u1ea3i nh\u1eadp vi\u1ec7n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 trong th\u1ec3 thao:<\/strong> Ho\u1ea1t \u0111\u1ed9ng th\u1ec3 ch\u1ea5t ch\u1ec9 \u0111\u01b0\u1ee3c t\u00ednh sau khi m\u1edf r\u1ed9ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi d\u1ecbch v\u1ee5 h\u1ea1n ch\u1ebf:<\/strong> M\u1ed9t s\u1ed1 kho\u1ea3n tr\u1ee3 c\u1ea5p c\u00f3 m\u1ee9c tr\u1ea7n ri\u00eang.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ng\u00e0y b\u1eaft \u0111\u1ea7u b\u1ea3o hi\u1ec3m:<\/strong> H\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u1ef1c s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb khi n\u00e0o.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">B\u01b0\u1edbc 4 v\u00e0 5: X\u00e1c nh\u1eadn \u0111\u01a1n h\u00e0ng v\u00e0 ki\u1ec3m tra t\u00e0i li\u1ec7u<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u01b0\u1edbc th\u1ee9 t\u01b0 l\u00e0 so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m v\u1ec1 m\u1ee9c \u0111\u1ed9 thu\u1eadn ti\u1ec7n khi s\u1eed d\u1ee5ng. Tr\u00ean trang web polisa-obcokrajowca.pl, b\u1ea1n n\u00ean ch\u00fa \u00fd xem li\u1ec7u c\u00f3 d\u1ec5 d\u00e0ng t\u00ecm th\u1ea5y \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), b\u1ea3ng m\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m, c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m v\u00e0 c\u00e2u tr\u1ea3 l\u1eddi cho c\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p hay kh\u00f4ng. S\u1ebd r\u1ea5t t\u1ed1t n\u1ebfu trang web n\u00e0y tr\u00ecnh b\u00e0y r\u00f5 r\u00e0ng s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 cho ph\u00e9p b\u1ea1n nhanh ch\u00f3ng l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. C\u00e1c t\u00e0i li\u1ec7u v\u1ec1 <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 cho th\u1ecb th\u1ef1c Schengen<\/a> v\u00e0 v\u1ec1 vi\u1ec7c n\u00ean mua b\u1ea3o hi\u1ec3m \u1edf \u0111\u00e2u v\u1edbi gi\u00e1 r\u1ebb nh\u1ea5t v\u00e0 h\u1ee3p l\u00fd nh\u1ea5t.<\/p>\n<p>B\u01b0\u1edbc th\u1ee9 n\u0103m l\u00e0 b\u01b0\u1edbc ki\u1ec3m tra cu\u1ed1i c\u00f9ng \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng. Tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, h\u00e3y ki\u1ec3m tra th\u00f4ng tin c\u00e1 nh\u00e2n, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, t\u00ean s\u1ea3n ph\u1ea9m, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. \u0110\u00e2y l\u00e0 th\u1eddi \u0111i\u1ec3m b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n ra c\u00e1c sai s\u00f3t. N\u1ebfu b\u1ea1n \u0111ang b\u0103n kho\u0103n kh\u00f4ng bi\u1ebft l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i m\u00e0 kh\u00f4ng m\u1eafc sai l\u1ea7m, ch\u00ednh b\u01b0\u1edbc cu\u1ed1i c\u00f9ng n\u00e0y s\u1ebd t\u1ea1o ra s\u1ef1 kh\u00e1c bi\u1ec7t l\u1edbn nh\u1ea5t.<\/p>\n<p>B\u1ea1n c\u0169ng n\u00ean tham kh\u1ea3o cu\u1ed1n c\u1ea9m nang 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>, \u0111\u1ec3 so s\u00e1nh c\u00e1c \u01b0u \u0111\u00e3i v\u00e0 ph\u01b0\u01a1ng th\u1ee9c mua h\u00e0ng m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u00f3m t\u1eaft: H\u00e3y l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch c\u00f3 \u00fd th\u1ee9c<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u1ea7n k\u1ebft h\u1ee3p ba y\u1ebfu t\u1ed1: ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u1ef1c t\u1ebf v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n tr\u00e1ch nhi\u1ec7m r\u00f5 r\u00e0ng. N\u1ebfu b\u1ea1n \u00e1p d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p 5 b\u01b0\u1edbc \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng \u0111\u00e1nh gi\u00e1 li\u1ec7u g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea1n hay kh\u00f4ng, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 n\u1eb1m trong ng\u00e2n s\u00e1ch. \u0110\u1ea7u ti\u00ean, x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, sau \u0111\u00f3 ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m y t\u1ebf, so s\u00e1nh m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, \u0111\u00e1nh gi\u00e1 ph\u01b0\u01a1ng th\u1ee9c mua b\u1ea3o hi\u1ec3m, v\u00e0 cu\u1ed1i c\u00f9ng l\u00e0 ki\u1ec3m tra l\u1ea1i t\u00e0i li\u1ec7u.<\/p>\n<p>Quy tr\u00ecnh n\u00e0y gi\u00fap tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi quan tr\u1ecdng nh\u1ea5t: c\u1ea7n ch\u00fa \u00fd nh\u1eefng \u0111i\u1ec3m n\u00e0o \u0111\u1ec3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00e1t huy t\u00e1c d\u1ee5ng khi th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft. Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn, h\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n, so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 tham kh\u1ea3o c\u00e1c t\u00e0i li\u1ec7u h\u01b0\u1edbng d\u1eabn c\u00f3 s\u1eb5n tr\u00ean trang polisa-obcokrajowca.pl.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>T\u1ea1i sao vi\u1ec7c l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m l\u1ea1i quan tr\u1ecdng? Vi\u1ec7c mua b\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng n\u00ean ch\u1ec9 d\u1ef1a v\u00e0o gi\u00e1 c\u1ea3. M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t s\u1ebd gi\u00fap\u2026<\/p>","protected":false},"author":2,"featured_media":4116,"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":[53,51,55,50,52],"class_list":["post-4117","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-praktyczne-porady-dla-obcokrajowca","tag-assistance","tag-koszty-leczenia","tag-strefa-schengen","tag-ubezpieczenie-cudzoziemca","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>Jak wybra\u0107 ubezpieczenie dla cudzoziemca w 5 krokach - Polisa obcokrajowca<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jak wybra\u0107 ubezpieczenie dla cudzoziemca. 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