{"id":4237,"date":"2026-07-08T16:29:32","date_gmt":"2026-07-08T14:29:32","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/nieskategoryzowane\/ubezpieczenie-dla-studenta-z-zagranicy-2026\/"},"modified":"2026-09-08T17:00:04","modified_gmt":"2026-09-08T15:00:04","slug":"bao-hiem-cho-sinh-vien-nuoc-ngoai-nam-2026","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/ubezpieczenie-a-cel-pobytu\/ubezpieczenie-dla-studenta-z-zagranicy-2026\/","title":{"rendered":"B\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>B\u1ea3o hi\u1ec3m cho sinh vi\u00ean<\/strong> \u0110\u00e2y l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m x\u00e1c nh\u1eadn vi\u1ec7c \u0111\u1ea3m b\u1ea3o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian du h\u1ecdc t\u1ea1i Ba Lan. V\u00e0o n\u0103m 2026, b\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i th\u01b0\u1eddng kh\u00f4ng ch\u1ec9 c\u1ea7n thi\u1ebft \u0111\u1ec3 nh\u1eadp h\u1ecdc m\u00e0 c\u00f2n c\u1ea7n thi\u1ebft cho vi\u1ec7c h\u1ee3p ph\u00e1p h\u00f3a t\u01b0 c\u00e1ch c\u01b0 tr\u00fa v\u00e0 s\u1eafp x\u1ebfp d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c y t\u1ebf h\u00e0ng ng\u00e0y. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i c\u00f3 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u00f9 h\u1ee3p v\u00e0 vi\u1ec7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1c y\u00eau c\u1ea7u \u00e1p d\u1ee5ng v\u00e0o n\u0103m 2026, c\u00e1ch ch\u1ecdn b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho sinh vi\u00ean, nh\u1eefng t\u00e0i li\u1ec7u c\u1ea7n chu\u1ea9n b\u1ecb v\u00e0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"M\u1ee5c l\u1ee5c\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">M\u1ee5c l\u1ee5c<\/h4>\n<ol>\n<li><a href=\"#czym-jest-ubezpieczenie-studenta\">B\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jakie-sa-wymagania-2026\">C\u00e1c y\u00eau c\u1ea7u v\u00e0o n\u0103m 2026 l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jaki-zakres-powinna-miec-polisa\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m nh\u1eefng g\u00ec?<\/a><\/li>\n<li><a href=\"#jak-wybrac-polis\u0119-na-studia\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m cho th\u1eddi gian \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc?<\/a><\/li>\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<li><a href=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-ubezpieczenie-studenta\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u01b0\u1ee3c mua trong th\u1eddi gian h\u1ecdc t\u1eadp v\u00e0 l\u01b0u tr\u00fa t\u1ea1i Ba Lan. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y ch\u1ee7 y\u1ebfu nh\u1eb1m chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb li\u00ean quan \u0111\u1ebfn b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n. Tr\u00ean th\u1ef1c t\u1ebf, gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u1edf d\u1ea1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ch\u1ee9ng ch\u1ec9 ho\u1eb7c c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd kh\u00e1c x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>\u0110\u1ed1i v\u1edbi sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i, \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 vi\u1ec7c c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n l\u00e0 t\u00ednh h\u1eefu \u00edch c\u1ee7a n\u00f3 trong c\u00e1c t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3. \u0110\u00f3 l\u00e0 c\u00e1c cu\u1ed9c kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m, n\u1eb1m vi\u1ec7n, c\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa, v\u1eadn chuy\u1ec3n y t\u1ebf hay mua thu\u1ed1c. Nhi\u1ec1u g\u00f3i b\u1ea3o hi\u1ec3m c\u00f2n cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung nh\u01b0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p, 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.<\/p>\n<p>N\u1ebfu m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa l\u00e0 \u0111\u1ec3 h\u1ecdc t\u1eadp, th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho du h\u1ecdc sinh n\u01b0\u1edbc ngo\u00e0i s\u1ebd \u0111\u1ea3m nh\u1eadn hai vai tr\u00f2. Th\u1ee9 nh\u1ea5t, n\u00f3 gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh li\u00ean quan \u0111\u1ebfn vi\u1ec7c l\u01b0u tr\u00fa. Th\u1ee9 hai, n\u00f3 b\u1ea3o v\u1ec7 ng\u00e2n s\u00e1ch c\u1ee7a sinh vi\u00ean kh\u1ecfi nh\u1eefng chi ph\u00ed y t\u1ebf cao. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 \u00fd ngh\u0129a ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c b\u1ea3o hi\u1ec3m trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u01b0 tr\u00fa kh\u00e1c nhau t\u1ea1i m\u1ee5c <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>.<\/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 t\u1ed1t nh\u1ea5t d\u00e0nh cho sinh vi\u00ean kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 g\u00f3i r\u1ebb nh\u1ea5t. \u0110i\u1ec1u quan tr\u1ecdng h\u01a1n l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n r\u00f5 r\u00e0ng, ph\u1ea1m vi chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan v\u00e0 gi\u1ea5y t\u1edd d\u1ec5 d\u00e0ng xu\u1ea5t tr\u00ecnh cho tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc ho\u1eb7c c\u01a1 quan ch\u1ee9c n\u0103ng.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-sa-wymagania-2026\" class=\"kt-adv-heading\">C\u00e1c y\u00eau c\u1ea7u v\u00e0o n\u0103m 2026 l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>V\u00e0o n\u0103m 2026, b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ec3 nh\u1eadp h\u1ecdc t\u1ea1i c\u00e1c tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc tr\u01b0\u1edbc h\u1ebft ph\u1ea3i x\u00e1c nh\u1eadn r\u1eb1ng sinh vi\u00ean \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o ngu\u1ed3n t\u00e0i ch\u00ednh cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. C\u00e1c tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc c\u00f3 th\u1ec3 c\u00f3 quy tr\u00ecnh tuy\u1ec3n sinh ri\u00eang, do \u0111\u00f3 lu\u00f4n c\u1ea7n ki\u1ec3m tra danh s\u00e1ch c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft d\u00e0nh cho \u1ee9ng vi\u00ean n\u01b0\u1edbc ngo\u00e0i. M\u1ed9t s\u1ed1 tr\u01b0\u1eddng ch\u1ea5p nh\u1eadn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, trong khi m\u1ed9t s\u1ed1 tr\u01b0\u1eddng kh\u00e1c y\u00eau c\u1ea7u th\u00eam b\u1ea3n d\u1ecbch ho\u1eb7c ph\u1ea3i n\u00eau r\u00f5 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m.<\/p>\n<p>T\u1eeb g\u00f3c \u0111\u1ed9 c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 t\u00e0i li\u1ec7u \u0111\u00f3 ph\u1ea3i \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o v\u1ec7 th\u1ef1c s\u1ef1 tr\u00ean l\u00e3nh th\u1ed5 Ba Lan. \u0110\u1ed1i v\u1edbi c\u00f4ng d\u00e2n ngo\u00e0i EU, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c xin th\u1ecb th\u1ef1c, gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi ho\u1eb7c c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh kh\u00e1c. Ch\u00ednh v\u00ec v\u1eady, b\u1ea1n c\u0169ng n\u00ean bi\u1ebft th\u00eam <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\/\">y\u00eau c\u1ea7u ph\u00e1p l\u00fd \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 nh\u1eadp c\u1ea3nh v\u00e0 l\u01b0u tr\u00fa.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c y\u1ebfu t\u1ed1 th\u01b0\u1eddng \u0111\u01b0\u1ee3c xem x\u00e9t k\u1ef9 l\u01b0\u1ee1ng nh\u1ea5t bao g\u1ed3m: th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c, th\u00f4ng tin sinh vi\u00ean, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ea3o hi\u1ec3m, ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 kh\u1ea3 n\u0103ng cung c\u1ea5p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u01b0\u1edbi d\u1ea1ng t\u00e0i li\u1ec7u d\u1ec5 \u0111\u1ecdc. T\u1ed1t nh\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m n\u00ean c\u00f3 hi\u1ec7u l\u1ef1c mu\u1ed9n nh\u1ea5t v\u00e0o ng\u00e0y \u0111\u1ebfn Ba Lan ho\u1eb7c ng\u00e0y b\u1eaft \u0111\u1ea7u kh\u00f3a h\u1ecdc.<\/p>\n<h3>T\u00e0i li\u1ec7u n\u00e0y n\u00ean bao g\u1ed3m nh\u1eefng th\u00f4ng tin n\u00e0o?<\/h3>\n<p>T\u00e0i li\u1ec7u n\u00e0y c\u1ea7n ghi r\u00f5 h\u1ecd t\u00ean c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, t\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Th\u00f4ng tin v\u1ec1 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi \u0111\u1ecba l\u00fd \u00e1p d\u1ee5ng c\u0169ng r\u1ea5t h\u1eefu \u00edch. Gi\u1ea5y ch\u1ee9ng nh\u1eadn c\u00e0ng r\u00f5 r\u00e0ng th\u00ec vi\u1ec7c x\u00e1c minh c\u1ee7a tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc c\u00e0ng d\u1ec5 d\u00e0ng.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jaki-zakres-powinna-miec-polisa\" class=\"kt-adv-heading\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m nh\u1eefng g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i tr\u01b0\u1edbc h\u1ebft ph\u1ea3i bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan. Trong c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, th\u01b0\u1eddng n\u00eau r\u00f5 vi\u1ec7c b\u1ea3o hi\u1ec3m chi ph\u00ed kh\u00e1m b\u1ec7nh, n\u1eb1m vi\u1ec7n, ph\u1eabu thu\u1eadt, x\u00e9t nghi\u1ec7m ch\u1ea9n \u0111o\u00e1n, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, mua thu\u1ed1c v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. Ch\u00ednh nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y l\u00e0 quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi b\u1eaft \u0111\u1ea7u h\u1ecdc t\u1eadp t\u1ea1i m\u1ed9t qu\u1ed1c gia n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p>C\u1ea7n l\u01b0u \u00fd xem b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb d\u00e0nh cho sinh vi\u00ean c\u00f3 \u00e1p d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 tai n\u1ea1n hay kh\u00f4ng. M\u1ed9t s\u1ed1 g\u00f3i b\u1ea3o hi\u1ec3m c\u00f2n cung c\u1ea5p d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, gi\u00fap s\u1eafp x\u1ebfp l\u1ecbch kh\u00e1m b\u1ec7nh ho\u1eb7c h\u01b0\u1edbng d\u1eabn \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf. M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho ph\u00e9p thanh to\u00e1n tr\u1ef1c ti\u1ebfp c\u00e1c kho\u1ea3n chi ph\u00ed y t\u1ebf, \u0111i\u1ec1u n\u00e0y mang l\u1ea1i s\u1ef1 thu\u1eadn ti\u1ec7n l\u1edbn cho sinh vi\u00ean.<\/p>\n<p>M\u1ed9t l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd c\u00f3 th\u1ec3 l\u00e0 b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n. Theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u0169ng c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 sinh vi\u00ean trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u01b0\u1eddng ng\u00e0y c\u1ee7a \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n, v\u00e0 \u0111\u00f4i khi c\u1ea3 trong th\u1eddi gian th\u1ef1c t\u1eadp ho\u1eb7c l\u00e0m vi\u1ec7c th\u1eed. C\u00e1c nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 chi ti\u1ebft h\u01a1n trong ph\u1ea7n <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>.<\/p>\n<h3>C\u1ea7n l\u01b0u \u00fd \u0111i\u1ec1u g\u00ec trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung?<\/h3>\n<p>Tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c \u0111\u1ecbnh ngh\u0129a. C\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn b\u1ec7nh m\u00e3n t\u00ednh, ho\u1ea1t \u0111\u1ed9ng th\u1ec3 thao, th\u1eddi gian ch\u1edd v\u00e0 m\u1ee9c kh\u1ea5u tr\u1eeb \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng. Ch\u1ec9 t\u00ean s\u1ea3n ph\u1ea9m th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7, v\u00ec ch\u00ednh c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng m\u1edbi quy\u1ebft \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 th\u1ef1c t\u1ebf.<\/p>\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>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb:<\/strong> c\u00e1c l\u1ea7n kh\u00e1m, c\u00e1c x\u00e9t nghi\u1ec7m, b\u1ec7nh vi\u1ec7n, c\u00e1c th\u1ee7 thu\u1eadt, thu\u1ed1c.<\/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> t\u1ed5 ch\u1ee9c c\u00f4ng t\u00e1c h\u1ed7 tr\u1ee3 v\u00e0 cung c\u1ea5p th\u00f4ng tin.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>NNW:<\/strong> b\u1ed3i th\u01b0\u1eddng sau tai n\u1ea1n \u0111\u00e1ng ti\u1ebfc.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>OC:<\/strong> r\u1ea5t h\u1eefu \u00edch trong cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n v\u00e0 \u0111\u00f4i khi trong c\u00e1c \u0111\u1ee3t th\u1ef1c t\u1eadp.<\/span><\/li>\n<\/ul>\n<\/div>\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\">N\u1ebfu sinh vi\u00ean c\u00f3 k\u1ebf ho\u1ea1ch tham gia th\u1ef1c t\u1eadp, tham gia c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u1ec3 thao h\u1ecdc \u0111\u01b0\u1eddng ho\u1eb7c th\u01b0\u1eddng xuy\u00ean \u0111i du l\u1ecbch kh\u1eafp ch\u00e2u \u00c2u, n\u00ean xem x\u00e9t kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Chi ti\u1ebft n\u00e0y c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 h\u1eefu \u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-wybrac-polis\u0119-na-studia\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m cho th\u1eddi gian \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c so s\u00e1nh \u0111\u01a1n gi\u1ea3n gi\u1eefa nhu c\u1ea7u c\u1ee7a b\u1ea1n v\u1edbi c\u00e1c y\u00eau c\u1ea7u c\u1ee7a tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc v\u00e0 c\u01a1 quan ch\u1ee9c n\u0103ng. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft, li\u1ec7u ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 ch\u1ec9 \u00e1p d\u1ee5ng cho Ba Lan hay kh\u00f4ng, v\u00e0 li\u1ec7u gi\u1ea5y t\u1edd n\u00e0y c\u00f3 c\u1ea7n thi\u1ebft \u0111\u1ec3 xin th\u1ecb th\u1ef1c, c\u01b0 tr\u00fa t\u1ea1m th\u1eddi hay ch\u1ec9 \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c nh\u1eadp h\u1ecdc. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u00e0 tr\u00e1nh mua ph\u1ea3i g\u00f3i b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p.<\/p>\n<p>Ti\u1ebfp theo, h\u00e3y so s\u00e1nh ph\u1ea1m vi quy\u1ec1n l\u1ee3i, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 quy tr\u00ecnh x\u1eed l\u00fd b\u1ed3i th\u01b0\u1eddng. \u0110\u1ed1i v\u1edbi nhi\u1ec1u sinh vi\u00ean, vi\u1ec7c \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 nhanh ch\u00f3ng v\u00e0 c\u00f3 th\u1ec3 li\u00ean h\u1ec7 d\u1ec5 d\u00e0ng v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 \u0111i\u1ec1u r\u1ea5t quan tr\u1ecdng. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch v\u1ec1 kh\u00eda c\u1ea1nh th\u1ef1c ti\u1ec5n c\u1ee7a b\u1ea3o hi\u1ec3m trong ph\u1ea7n <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/lam-the-nao-de-bao-cao-thiet-hai-va-nhan-duoc-su-tro-giup-y-te\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 b\u00e1o c\u00e1o thi\u1ec7t h\u1ea1i v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tr\u1ee3 gi\u00fap y t\u1ebf<\/a>.<\/p>\n<p>Cu\u1ed1i c\u00f9ng, h\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan hay kh\u00f4ng. Tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 nhi\u1ec1u lo\u1ea1i s\u1ea3n ph\u1ea9m kh\u00e1c nhau v\u00e0 kh\u00f4ng ph\u1ea3i lo\u1ea1i n\u00e0o c\u0169ng ph\u00f9 h\u1ee3p v\u1edbi sinh vi\u00ean. Vi\u1ec7c so s\u00e1nh c\u00e1c s\u1ea3n ph\u1ea9m c\u0169ng c\u00f3 th\u1ec3 h\u1eefu \u00edch <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-loai-bao-hiem-cho-nguoi-nuoc-ngoai\/\">c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>, \u0111\u1ec3 hi\u1ec3u r\u00f5 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c bi\u1ebfn th\u1ec3.<\/p>\n<h3>Danh s\u00e1ch ng\u1eafn c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua<\/h3>\n<p>Tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n l\u00e0 ch\u00ednh x\u00e1c, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch h\u1ecdc t\u1eadp v\u00e0 b\u1ea1n c\u00f3 th\u1ec3 t\u1ea3i xu\u1ed1ng t\u00e0i li\u1ec7u m\u1ed9t c\u00e1ch nhanh ch\u00f3ng. B\u1ea1n c\u0169ng n\u00ean l\u01b0u gi\u1eef h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) tr\u00ean \u0111i\u1ec7n tho\u1ea1i c\u0169ng nh\u01b0 d\u01b0\u1edbi d\u1ea1ng t\u1ec7p PDF. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng li\u00ean h\u1ec7 v\u1edbi tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc v\u00e0 b\u00e1c s\u0129 h\u01a1n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>Sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m t\u1ea1i Ba Lan kh\u00f4ng?<\/h3>\n<p>Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p th\u00ec \u0111\u00fang l\u00e0 nh\u01b0 v\u1eady, b\u1edfi v\u00ec b\u1ea3o hi\u1ec3m l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 ho\u00e0n t\u1ea5t c\u00e1c th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa ho\u1eb7c l\u00e0 y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c c\u1ee7a tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc. Ngay c\u1ea3 khi kh\u00f4ng \u0111\u01b0\u1ee3c n\u00eau r\u00f5, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1eabn gi\u00fap b\u1ea3o v\u1ec7 b\u1ea1n kh\u1ecfi c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, v\u1ed1n c\u00f3 th\u1ec3 r\u1ea5t cao t\u1ea1i Ba Lan \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m.<\/p>\n<h3>N\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i?<\/h3>\n<p>T\u1ed1t nh\u1ea5t l\u00e0 n\u00ean ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, nh\u1eadp vi\u1ec7n, kh\u00e1m b\u1ec7nh, thu\u1ed1c men v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf tr\u00ean l\u00e3nh th\u1ed5 Ba Lan. C\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p, b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 nh\u1eefng l\u1ee3i \u00edch b\u1ed5 sung. L\u1ef1a ch\u1ecdn n\u00e0y c\u1ea7n ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 c\u00e1c y\u00eau c\u1ea7u c\u1ee7a tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc c\u1ee5 th\u1ec3.<\/p>\n<h3>B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb d\u00e0nh cho sinh vi\u00ean c\u00f3 \u0111\u1ee7 \u0111\u1ec3 theo h\u1ecdc t\u1ea1i tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc kh\u00f4ng?<\/h3>\n<p>Th\u01b0\u1eddng th\u00ec \u0111\u00fang nh\u01b0 v\u1eady, n\u1ebfu t\u00e0i li\u1ec7u \u0111\u00f3 x\u00e1c nh\u1eadn r\u00f5 r\u00e0ng v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 bao g\u1ed3m c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n v\u1ec1 ph\u1ea1m vi c\u0169ng nh\u01b0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c. Tuy nhi\u00ean, c\u1ea7n ph\u1ea3i ki\u1ec3m tra c\u00e1c quy \u0111\u1ecbnh tuy\u1ec3n sinh c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng tr\u01b0\u1eddng. M\u1ed9t s\u1ed1 tr\u01b0\u1eddng y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 gi\u1ea5y x\u00e1c nh\u1eadn b\u1ed5 sung ho\u1eb7c b\u1ea3n d\u1ecbch c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n<h3>Chi ph\u00ed b\u1ea3o hi\u1ec3m cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i l\u00e0 bao nhi\u00eau?<\/h3>\n<p>Gi\u00e1 c\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m r\u1ebb h\u01a1n c\u00f3 th\u1ec3 c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1eb9p h\u01a1n ho\u1eb7c m\u1ee9c b\u1ed3i th\u01b0\u1eddng th\u1ea5p h\u01a1n, do \u0111\u00f3 c\u1ea7n ph\u1ea3i \u0111\u00e1nh gi\u00e1 chi ph\u00ed c\u00f9ng v\u1edbi ph\u1ea1m vi quy\u1ec1n l\u1ee3i. Ch\u1ec9 so s\u00e1nh m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7.<\/p>\n<h3>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i bao g\u1ed3m c\u1ea3 n\u0103m h\u1ecdc kh\u00f4ng?<\/h3>\n<p>\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n nh\u1ea5t, ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00ean bao ph\u1ee7 to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn ho\u1eb7c \u00edt nh\u1ea5t l\u00e0 th\u1eddi gian theo y\u00eau c\u1ea7u c\u1ee7a tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc v\u00e0 c\u01a1 quan ch\u1ee9c n\u0103ng. M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft v\u1edbi th\u1eddi h\u1ea1n ng\u1eafn, nh\u01b0ng \u0111\u1ed1i v\u1edbi c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh h\u1ecdc d\u00e0i h\u1ea1n, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m th\u01b0\u1eddng thu\u1eadn ti\u1ec7n h\u01a1n. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 s\u1ef1 li\u00ean t\u1ee5c c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n<h3>C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o \u0111\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, c\u1ea7n cung c\u1ea5p th\u00f4ng tin c\u00e1 nh\u00e2n, ng\u00e0y sinh, qu\u1ed1c t\u1ecbch v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. \u0110\u00f4i khi, qu\u1ed1c gia c\u01b0 tr\u00fa th\u01b0\u1eddng tr\u00fa v\u00e0 th\u1eddi \u0111i\u1ec3m d\u1ef1 ki\u1ebfn b\u1eaft \u0111\u1ea7u \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u0169ng l\u00e0 nh\u1eefng th\u00f4ng tin quan tr\u1ecdng. Sau khi mua b\u1ea3o hi\u1ec3m, c\u1ea7n ki\u1ec3m tra xem c\u00e1c th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ch\u00ednh x\u00e1c hay kh\u00f4ng.<\/p>\n<h3>Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 h\u1eefu \u00edch cho vi\u1ec7c l\u01b0u tr\u00fa t\u1ea1m th\u1eddi kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng trong b\u1ed9 h\u1ed3 s\u01a1 li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p c\u1ee7a sinh vi\u00ean. Vai tr\u00f2 c\u1ee7a n\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c c\u01b0 tr\u00fa. B\u1ea1n c\u0169ng n\u00ean \u0111\u1ecdc th\u00eam <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-cau-hoi-thuong-gap-va-loi-khuyen-thuc-te-cho-nguoi-nuoc-ngoai\/\">nh\u1eefng l\u1eddi khuy\u00ean thi\u1ebft th\u1ef1c d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>, nh\u1eb1m tr\u00e1nh nh\u1eefng sai s\u00f3t v\u1ec1 th\u1ee7 t\u1ee5c.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i v\u00e0o n\u0103m 2026 c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, c\u00e1c y\u00eau c\u1ea7u c\u1ee7a tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc v\u00e0 nhu c\u1ea7u y t\u1ebf th\u1ef1c t\u1ebf. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 t\u00e0i li\u1ec7u ph\u1ea3i r\u00f5 r\u00e0ng, ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u00f9 h\u1ee3p v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m th\u00edch h\u1ee3p. N\u1ebfu b\u1ea1n mu\u1ed1n ch\u1ecdn m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 r\u1ee7i ro kh\u00f4ng c\u1ea7n thi\u1ebft, h\u00e3y so s\u00e1nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n, ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3 d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i \u0111ang theo h\u1ecdc t\u1ea1i Ba Lan. \u0110\u00e2y l\u00e0 m\u1ed9t b\u01b0\u1edbc \u0111\u01a1n gi\u1ea3n gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh c\u0169ng nh\u01b0 \u0111\u1ea3m b\u1ea3o m\u1ed9t kh\u1edfi \u0111\u1ea7u an to\u00e0n t\u1ea1i tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m sinh vi\u00ean l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian theo h\u1ecdc t\u1ea1i Ba Lan. V\u00e0o n\u0103m 2026, b\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i\u2026<\/p>","protected":false},"author":2,"featured_media":4236,"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":[41],"tags":[51,54,61,50,57],"class_list":["post-4237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-a-cel-pobytu","tag-koszty-leczenia","tag-legalizacja-pobytu","tag-opieka-medyczna","tag-ubezpieczenie-cudzoziemca","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- 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cudzoziemca jest wymagane w 2026 roku i jak wybra\u0107 polis\u0119 na uczelni\u0119 oraz pobyt w Polsce.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/bao-hiem-va-muc-dich-luu-tru\/bao-hiem-cho-sinh-vien-nuoc-ngoai-nam-2026\/\" \/>\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=\"2026-07-08T14:29:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T15:00:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisa-obcokrajowca.pl\/wp-content\/uploads\/2026\/07\/foto.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\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"redaktor\" \/>\n<meta name=\"twitter:card\" 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