{"id":4246,"date":"2026-07-16T06:48:00","date_gmt":"2026-07-16T04:48:00","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/nieskategoryzowane\/ubezpieczenie-dla-cudzoziemca-15-bledow-przy-zakupie\/"},"modified":"2026-09-08T17:04:04","modified_gmt":"2026-09-08T15:04:04","slug":"bao-hiem-cho-nguoi-nuoc-ngoai-15-sai-lam-thuong-gap-khi-mua-bao-hiem","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/najczestsze-pytania-i-praktyczne-porady-dla-obcokrajowca\/ubezpieczenie-dla-cudzoziemca-15-bledow-przy-zakupie\/","title":{"rendered":"B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 15 sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p khi mua b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/strong> \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u1eb1m chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p v\u00e0 th\u01b0\u1eddng c\u0169ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa. Khi mua b\u1ea3o hi\u1ec3m, v\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 gi\u00e1 c\u1ea3, m\u00e0 l\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p, m\u1ee9c b\u1ea3o hi\u1ec3m qu\u00e1 th\u1ea5p v\u00e0 vi\u1ec7c kh\u00f4ng n\u1eafm r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch nh\u1eefng sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m, c\u00e1ch ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL v\u00e0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m Schengen, \u0111\u1ec3 t\u00e0i li\u1ec7u n\u00e0y kh\u00f4ng ch\u1ec9 h\u1eefu \u00edch khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c m\u00e0 c\u00f2n khi th\u1ef1c s\u1ef1 c\u1ea7n \u0111i\u1ec1u tr\u1ecb y t\u1ebf.<\/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\">B\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#najczestsze-bledy-zakres\">Nh\u1eefng sai s\u00f3t n\u00e0o li\u00ean quan \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m?<\/a><\/li>\n<li><a href=\"#bledy-formalne-i-praktyczne\">C\u1ea7n tr\u00e1nh nh\u1eefng l\u1ed7i v\u1ec1 h\u00ecnh th\u1ee9c n\u00e0o?<\/a><\/li>\n<li><a href=\"#jak-wybrac-polisy-kl\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL t\u1eebng b\u01b0\u1edbc m\u1ed9t?<\/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\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi 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 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan ho\u1eb7c du l\u1ecbch trong khu v\u1ef1c Schengen v\u00e0 c\u00f3 nhu c\u1ea7u \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. Tr\u00ean th\u1ef1c t\u1ebf, y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf (KL), bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n b\u1ea5t ng\u1edd, n\u1eb1m vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng. M\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m c\u00f2n m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m sang d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p, b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) 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>Kh\u00f4ng ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau. M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng ch\u1ec9 bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ngo\u00e0i qu\u1ed1c gia c\u01b0 tr\u00fa th\u01b0\u1eddng xuy\u00ean, trong khi nh\u1eefng h\u1ee3p \u0111\u1ed3ng kh\u00e1c \u00e1p d\u1ee5ng cho th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. S\u1ef1 kh\u00e1c bi\u1ec7t c\u0169ng xu\u1ea5t hi\u1ec7n \u1edf m\u1ee9c gi\u1edbi h\u1ea1n b\u1ed3i th\u01b0\u1eddng, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 c\u00e1ch th\u1ee9c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3. Nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u ph\u1ea3i li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u tr\u01b0\u1edbc khi ti\u1ebfn h\u00e0nh c\u00e1c th\u1ee7 t\u1ee5c \u0111i\u1ec1u tr\u1ecb l\u1edbn, v\u00e0 c\u00e1c chi ph\u00ed ph\u00e1t sinh m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd tr\u01b0\u1edbc c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean ki\u1ec3m tra kh\u00f4ng ch\u1ec9 gi\u00e1 c\u1ea3 m\u00e0 c\u00f2n c\u1ea3 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. C\u00e1c t\u00e0i li\u1ec7u v\u1ec1 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> v\u00e0 v\u1ec1 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/co-so-bao-hiem-chi-phi-dieu-tri\/\">C\u00e1c nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n v\u1ec1 b\u1ea3o hi\u1ec3m KL<\/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\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u1ef1c t\u1ebf, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u h\u00e0nh ch\u00ednh.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"najczestsze-bledy-zakres\" class=\"kt-adv-heading\">Nh\u1eefng sai s\u00f3t n\u00e0o li\u00ean quan \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Nh\u1eefng sai l\u1ea7m khi mua b\u1ea3o hi\u1ec3m th\u01b0\u1eddng b\u1eaft ngu\u1ed3n t\u1eeb vi\u1ec7c hi\u1ec3u sai ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Sai l\u1ea7m \u0111\u1ea7u ti\u00ean l\u00e0 ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng ki\u1ec3m tra xem n\u00f3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i Ba Lan, tr\u00ean to\u00e0n khu v\u1ef1c Schengen hay ch\u1ec9 \u00e1p d\u1ee5ng ngo\u00e0i qu\u1ed1c gia c\u01b0 tr\u00fa th\u01b0\u1eddng xuy\u00ean. Sai l\u1ea7m th\u1ee9 hai l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m KL qu\u00e1 th\u1ea5p. Trong m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m, ng\u01b0\u1eddi ta th\u01b0\u1eddng th\u1ea5y c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n l\u00e0 30.000 euro ho\u1eb7c 60.000 euro, nh\u01b0ng con s\u1ed1 n\u00e0y v\u1eabn kh\u00f4ng \u0111\u1ee7 n\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 nhi\u1ec1u h\u1ea1n ch\u1ebf.<\/p>\n<p>Sai l\u1ea7m th\u1ee9 ba l\u00e0 b\u1ecf qua c\u00e1c b\u1ec7nh m\u00e3n t\u00ednh. M\u1ed9t s\u1ed1 g\u00f3i b\u1ea3o hi\u1ec3m ch\u1ec9 bao g\u1ed3m c\u00e1c b\u1ec7nh n\u00e0y sau khi kh\u00e1ch h\u00e0ng \u0111\u00f3ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m. Sai l\u1ea7m th\u1ee9 t\u01b0 l\u00e0 kh\u00f4ng ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m v\u1eadn chuy\u1ec3n y t\u1ebf, h\u1ed3i h\u01b0\u01a1ng v\u00e0 \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa hay kh\u00f4ng. Sai l\u1ea7m th\u1ee9 n\u0103m l\u00e0 kh\u00f4ng t\u00ednh \u0111\u1ebfn c\u00e1c gi\u1edbi h\u1ea1n v\u1ec1 nha khoa, nh\u1eadp vi\u1ec7n ho\u1eb7c ch\u1ea9n \u0111o\u00e1n. Sai l\u1ea7m th\u1ee9 s\u00e1u li\u00ean quan \u0111\u1ebfn th\u1ec3 thao v\u00e0 lao \u0111\u1ed9ng ch\u00e2n tay, v\u00ec r\u1ee7i ro gia t\u0103ng th\u01b0\u1eddng \u0111\u00f2i h\u1ecfi ph\u1ea3i m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Sai l\u1ea7m th\u1ee9 b\u1ea3y l\u00e0 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), m\u1eb7c d\u00f9 ch\u00ednh t\u1ea1i \u0111\u00f3 m\u1edbi m\u00f4 t\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n v\u1ec1 quy\u1ec1n l\u1ee3i.<\/p>\n<h3>C\u00e1c y\u1ebfu t\u1ed1 th\u01b0\u1eddng b\u1ecb b\u1ecf qua nh\u1ea5t trong ph\u1ea1m vi<\/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>L\u00e3nh th\u1ed5:<\/strong> H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i n\u01a1i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m th\u1ef1c s\u1ef1 c\u01b0 tr\u00fa.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u1ed5ng KL:<\/strong> ph\u1ea3i t\u01b0\u01a1ng \u1ee9ng v\u1edbi chi ph\u00ed th\u1ef1c t\u1ebf cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb v\u00e0 v\u1eadn chuy\u1ec3n.<\/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> th\u01b0\u1eddng c\u1ea7n ph\u1ea3i m\u1edf r\u1ed9ng th\u00eam.<\/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 ti\u1ebfp c\u1eadn c\u00e1c c\u01a1 s\u1edf \u0111i\u1ec1u tr\u1ecb v\u00e0 \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng ho\u1ea1t \u0111\u1ed9ng 24\/7 l\u00e0 r\u1ea5t quan tr\u1ecdng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Lo\u1ea1i tr\u1eeb:<\/strong> c\u1ea7n ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n \u0111ang so s\u00e1nh c\u00e1c l\u1ef1a ch\u1ecdn, b\u1ea1n c\u0169ng n\u00ean \u0111\u1ecdc b\u00e0i h\u01b0\u1edbng d\u1eabn v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y, <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\/\">Li\u1ec7u g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t cho th\u1ecb th\u1ef1c Schengen c\u00f3 ph\u1ea3i l\u00e0 t\u1ed1t nh\u1ea5t kh\u00f4ng?<\/a>. \u0110\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u t\u1ed1t n\u1ebfu b\u1ea1n mu\u1ed1n so s\u00e1nh c\u00e1c \u01b0u \u0111\u00e3i m\u1ed9t c\u00e1ch th\u1ef1c t\u1ebf.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"bledy-formalne-i-praktyczne\" class=\"kt-adv-heading\">C\u1ea7n tr\u00e1nh nh\u1eefng l\u1ed7i v\u1ec1 h\u00ecnh th\u1ee9c n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>L\u1ed7i th\u1ee9 t\u00e1m l\u00e0 \u0111i\u1ec1n sai th\u00f4ng tin c\u00e1 nh\u00e2n. M\u1ed9t l\u1ed7i ch\u00ednh t\u1ea3 trong t\u00ean, s\u1ed1 h\u1ed9 chi\u1ebfu ho\u1eb7c ng\u00e0y sinh c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f4ng nh\u1eadn t\u00e0i li\u1ec7u ho\u1eb7c gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i. L\u1ed7i th\u1ee9 ch\u00edn l\u00e0 ng\u00e0y b\u1eaft \u0111\u1ea7u b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u00ednh x\u00e1c. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c mua qu\u00e1 mu\u1ed9n c\u00f3 th\u1ec3 kh\u00f4ng bao g\u1ed3m ng\u00e0y qua bi\u00ean gi\u1edbi ho\u1eb7c th\u1eddi \u0111i\u1ec3m n\u1ed9p h\u1ed3 s\u01a1. L\u1ed7i th\u1ee9 m\u01b0\u1eddi l\u00e0 kh\u00f4ng t\u00ednh \u0111\u1ebfn to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa.<\/p>\n<p>Sai l\u1ea7m th\u1ee9 m\u01b0\u1eddi m\u1ed9t l\u00e0 cho r\u1eb1ng m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u t\u1ef1 \u0111\u1ed9ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c. Tr\u00ean th\u1ef1c t\u1ebf, c\u1ea7n ph\u1ea3i ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn th\u1ecb th\u1ef1c, th\u1ebb c\u01b0 tr\u00fa ho\u1eb7c m\u1ee5c \u0111\u00edch c\u1ee5 th\u1ec3 c\u1ee7a chuy\u1ebfn \u0111i. Sai l\u1ea7m th\u1ee9 m\u01b0\u1eddi hai l\u00e0 thi\u1ebfu t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng d\u01b0\u1edbi d\u1ea1ng d\u1ec5 \u0111\u1ecdc. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ch\u1ee9ng ch\u1ec9 ho\u1eb7c t\u00e0i li\u1ec7u kh\u00e1c ph\u1ea3i n\u00eau r\u00f5 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. Sai l\u1ea7m th\u1ee9 m\u01b0\u1eddi ba l\u00e0 kh\u00f4ng n\u1eafm r\u00f5 th\u1ee7 t\u1ee5c khai b\u00e1o thi\u1ec7t h\u1ea1i. Khi c\u1ea7n thi\u1ebft, b\u1ea1n ph\u1ea3i bi\u1ebft c\u00e1ch li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 khi n\u00e0o c\u1ea7n c\u00f3 s\u1ef1 ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc. N\u00ean tham kh\u1ea3o h\u01b0\u1edbng d\u1eabn tr\u01b0\u1edbc <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<\/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 Quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">Trong nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u00e1t sinh m\u00e0 kh\u00f4ng li\u00ean h\u1ec7 tr\u01b0\u1edbc v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u c\u00f3 th\u1ec3 b\u1ecb gi\u1edbi h\u1ea1n ho\u1eb7c t\u1eeb ch\u1ed1i chi tr\u1ea3. H\u00e3y ghi l\u1ea1i s\u1ed1 \u0111i\u1ec7n tho\u1ea1i \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-wybrac-polisy-kl\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL t\u1eebng b\u01b0\u1edbc m\u1ed9t?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Sai l\u1ea7m th\u1ee9 m\u01b0\u1eddi b\u1ed1n l\u00e0 ch\u1ec9 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3, c\u00f2n sai l\u1ea7m th\u1ee9 m\u01b0\u1eddi l\u0103m l\u00e0 kh\u00f4ng so s\u00e1nh m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n \u0111ang b\u0103n kho\u0103n kh\u00f4ng bi\u1ebft n\u00ean ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m KL nh\u01b0 th\u1ebf n\u00e0o, h\u00e3y b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ed9t s\u01a1 \u0111\u1ed3 \u0111\u01a1n gi\u1ea3n. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh xem b\u1ea1n c\u1ea7n b\u1ea3o hi\u1ec3m t\u1ea1i Ba Lan, tr\u00ean to\u00e0n khu v\u1ef1c Schengen hay khi \u0111i du l\u1ecbch ngo\u00e0i qu\u1ed1c gia c\u01b0 tr\u00fa th\u01b0\u1eddng xuy\u00ean. Sau \u0111\u00f3, h\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m 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 c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n, nh\u1eadp vi\u1ec7n v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf hay kh\u00f4ng.<\/p>\n<p>B\u01b0\u1edbc ti\u1ebfp theo l\u00e0 ph\u00e2n t\u00edch c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb. H\u00e3y ki\u1ec3m tra m\u1ee9c b\u1ea3o hi\u1ec3m cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, gi\u1edbi h\u1ea1n chi tr\u1ea3 cho nha khoa, v\u1eadn chuy\u1ec3n thi th\u1ec3, h\u1ed3i h\u01b0\u01a1ng, c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn b\u1ec7nh m\u00e3n t\u00ednh. \u0110\u1ed3ng th\u1eddi, h\u00e3y xem x\u00e9t li\u1ec7u c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 cung c\u1ea5p d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 t\u1eeb trung t\u00e2m c\u1ea5p c\u1ee9u 24\/7 hay kh\u00f4ng. Cu\u1ed1i c\u00f9ng, h\u00e3y so s\u00e1nh c\u00e1c t\u00e0i li\u1ec7u v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u00f4ng tin l\u00e0 ch\u00ednh x\u00e1c. Khi l\u1eadp k\u1ebf ho\u1ea1ch b\u1ea3o hi\u1ec3m, 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\/\">B\u1ea3o hi\u1ec3m t\u1ea1i bi\u00ean gi\u1edbi Schengen v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft<\/a> v\u00e0 b\u00e0i b\u00e1o v\u1ec1 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-loai-bao-hiem-cho-nguoi-nuoc-ngoai\/bao-hiem-cho-cong-dan-ukraine-tai-ba-lan-nhung-dieu-can-luu-y\/\">nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n<h3>Danh s\u00e1ch ki\u1ec3m tra ng\u1eafn tr\u01b0\u1edbc khi mua h\u00e0ng<\/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>M\u1ee5c \u0111\u00edch m\u1ee5c \u0111\u00edch<\/strong> Ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb th\u1ef1c, th\u1eddi gian l\u01b0u tr\u00fa, c\u00f4ng vi\u1ec7c ho\u1eb7c chuy\u1ebfn \u0111i c\u1ee7a b\u1ea1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi KL:<\/strong> H\u00e3y t\u00ecm hi\u1ec3u v\u1ec1 \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, b\u1ec7nh vi\u1ec7n v\u00e0 d\u1ecbch v\u1ee5 v\u1eadn chuy\u1ec3n.<\/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> H\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, gi\u1edbi h\u1ea1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \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>Th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m:<\/strong> Ki\u1ec3m tra h\u1ed9 chi\u1ebfu, ng\u00e0y th\u00e1ng v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1ee7 t\u1ee5c h\u1ed7 tr\u1ee3:<\/strong> H\u00e3y ghi l\u1ea1i s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a trung t\u00e2m c\u1ea5p c\u1ee9u v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c b\u00e1o c\u00e1o s\u1ef1 c\u1ed1.<\/span><\/li>\n<\/ul>\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>Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0 g\u00ec?<\/h3>\n<p>Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t bao g\u1ed3m vi\u1ec7c l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3, kh\u00f4ng ph\u00e2n t\u00edch k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung (OWU), m\u1ee9c b\u1ed3i th\u01b0\u1eddng qu\u00e1 th\u1ea5p v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i. C\u00e1c v\u1ea5n \u0111\u1ec1 c\u0169ng ph\u00e1t sinh do th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u00ednh x\u00e1c v\u00e0 ng\u00e0y b\u1eaft \u0111\u1ea7u hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00fang.<\/p>\n<h3>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i?<\/h3>\n<p>Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n x\u00e1c \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i, sau \u0111\u00f3 so s\u00e1nh ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf (KL) t\u1ed1t n\u00ean bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n, nh\u1eadp vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf v\u00e0 quy tr\u00ecnh li\u00ean h\u1ec7 r\u00f5 r\u00e0ng v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u.<\/p>\n<h3>C\u1ea7n l\u01b0u \u00fd nh\u1eefng \u0111i\u1ec1u g\u00ec khi mua b\u1ea3o hi\u1ec3m Schengen?<\/h3>\n<p>\u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m Schengen, c\u1ea7n ki\u1ec3m tra xem gi\u1ea5y t\u1edd \u0111\u00f3 c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u00ecnh th\u1ee9c hay kh\u00f4ng v\u00e0 li\u1ec7u n\u00f3 c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean to\u00e0n b\u1ed9 khu v\u1ef1c \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u hay kh\u00f4ng. Ngo\u00e0i ra, c\u0169ng n\u00ean l\u01b0u \u00fd \u0111\u1ebfn m\u1ee9c gi\u1edbi h\u1ea1n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ed3i h\u01b0\u01a1ng v\u00e0 ngh\u0129a v\u1ee5 ph\u1ea3i xin ph\u00e9p tr\u01b0\u1edbc khi \u0111i\u1ec1u tr\u1ecb.<\/p>\n<h3>G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t c\u00f3 \u0111\u1ee7 kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m gi\u00e1 r\u1ebb c\u00f3 th\u1ec3 c\u00f3 m\u1ee9c b\u1ea3o hi\u1ec3m th\u1ea5p, nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb ho\u1eb7c ph\u1ea1m vi h\u1ed7 tr\u1ee3 h\u1ea1n ch\u1ebf. Tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean so s\u00e1nh g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3 v\u1edbi b\u1ea3n ph\u00e2n t\u00edch <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 Schengen r\u1ebb nh\u1ea5t so v\u1edbi b\u1ea3o hi\u1ec3m Schengen t\u1ed1t nh\u1ea5t<\/a>.<\/p>\n<h3>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m c\u00e1c b\u1ec7nh m\u00e3n t\u00ednh kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3. \u0110\u1ed1i v\u1edbi nhi\u1ec1u s\u1ea3n ph\u1ea9m, vi\u1ec7c \u0111i\u1ec1u tr\u1ecb c\u00e1c bi\u1ebfn ch\u1ee9ng c\u1ee7a b\u1ec7nh m\u00e3n t\u00ednh \u0111\u00f2i h\u1ecfi ph\u1ea3i m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u00f3ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m. B\u1ea1n lu\u00f4n c\u1ea7n x\u00e1c nh\u1eadn th\u00f4ng tin n\u00e0y trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) tr\u01b0\u1edbc khi mua.<\/p>\n<h3>N\u00ean ki\u1ec3m tra nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o tr\u01b0\u1edbc khi mua?<\/h3>\n<p>Tr\u01b0\u1edbc khi mua, qu\u00fd kh\u00e1ch n\u00ean \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, gi\u1ea5y ch\u1ee9ng nh\u1eadn v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU). Qu\u00fd kh\u00e1ch n\u00ean ki\u1ec3m tra th\u00f4ng tin c\u00e1 nh\u00e2n, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m kh\u1ea9n c\u1ea5p.<\/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 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng ch\u1ec9 n\u00ean b\u1ea3o v\u1ec7 v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c m\u00e0 tr\u01b0\u1edbc h\u1ebft ph\u1ea3i mang l\u1ea1i s\u1ef1 b\u1ea3o v\u1ec7 th\u1ef1c t\u1ebf. Nh\u1eefng sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m th\u01b0\u1eddng xu\u1ea5t ph\u00e1t t\u1eeb vi\u1ec7c v\u1ed9i v\u00e0ng, ch\u1ec9 ch\u00fa tr\u1ecdng v\u00e0o gi\u00e1 c\u1ea3 v\u00e0 b\u1ecf qua \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU). N\u1ebfu b\u1ea1n mu\u1ed1n bi\u1ebft c\u00e1ch ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL v\u00e0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m Schengen, h\u00e3y ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u0169ng nh\u01b0 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p s\u1ebd mang l\u1ea1i s\u1ef1 an t\u00e2m h\u01a1n trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan v\u00e0 khi du l\u1ecbch trong khu v\u1ef1c Schengen.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u1eb1m chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p v\u00e0 th\u01b0\u1eddng c\u0169ng ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa. V\u1edbi\u2026<\/p>","protected":false},"author":2,"featured_media":4245,"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":[51,61,55,62,50],"class_list":["post-4246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-praktyczne-porady-dla-obcokrajowca","tag-koszty-leczenia","tag-opieka-medyczna","tag-strefa-schengen","tag-transport-medyczny","tag-ubezpieczenie-cudzoziemca"],"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 dla cudzoziemca \u2013 15 b\u0142\u0119d\u00f3w przy zakupie - Polisa obcokrajowca<\/title>\n<meta name=\"description\" content=\"Poznaj 15 b\u0142\u0119d\u00f3w przy zakupie ubezpieczenia dla cudzoziemca. 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