{"id":4274,"date":"2026-10-06T06:23:43","date_gmt":"2026-10-06T04:23:43","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/?p=4274"},"modified":"2026-10-06T06:23:43","modified_gmt":"2026-10-06T04:23:43","slug":"bao-hiem-schengen-30-000-euro-khi-nao-thi-so-tien-do-la-khong-du","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/wymogi-prawne-dla-obcokrajowcow-w-polsce-i-schengen\/polisa-schengen-30000-euro-kiedy-nie-wystarczy\/","title":{"rendered":"B\u1ea3o hi\u1ec3m Schengen 30.000 euro \u2013 khi n\u00e0o th\u00ec s\u1ed1 ti\u1ec1n n\u00e0y kh\u00f4ng \u0111\u1ee7?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">G\u00f3i b\u1ea3o hi\u1ec3m Schengen v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m 30.000 euro c\u00f3 v\u1ebb nh\u01b0 l\u00e0 gi\u1ea3i ph\u00e1p s\u1eb5n c\u00f3 cho m\u1ecdi chuy\u1ebfn \u0111i ho\u1eb7c k\u1ef3 l\u01b0u tr\u00fa. Tuy nhi\u00ean, con s\u1ed1 n\u00e0y kh\u00f4ng cho bi\u1ebft th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m k\u00e9o d\u00e0i bao l\u00e2u, li\u1ec7u m\u1ee9c b\u1ea3o hi\u1ec3m n\u00e0y \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ef1 c\u1ed1 c\u1ee5 th\u1ec3 hay cho to\u00e0n b\u1ed9 th\u1eddi gian b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m. <strong>Ch\u1ec9 ri\u00eang s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/strong> Do \u0111\u00f3, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, b\u1ea1n n\u00ean ph\u00e2n t\u00edch kh\u00f4ng ch\u1ec9 s\u1ed1 ti\u1ec1n ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng m\u00e0 c\u00f2n c\u1ea3 c\u00e1ch th\u1ee9c s\u1eed d\u1ee5ng, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u0169ng nh\u01b0 quy tr\u00ecnh x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. M\u1ee9c b\u1ed3i th\u01b0\u1eddng cao h\u01a1n c\u00f3 th\u1ec3 mang l\u1ea1i bi\u00ean \u0111\u1ed9 an to\u00e0n l\u1edbn h\u01a1n, nh\u01b0ng ngay c\u1ea3 \u0111i\u1ec1u \u0111\u00f3 c\u0169ng kh\u00f4ng th\u1ec3 thay th\u1ebf cho vi\u1ec7c ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch khi n\u00e0o s\u1ed1 ti\u1ec1n 30.000 euro c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u00e0 c\u00e1ch \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t, tr\u00e1nh nh\u1eefng l\u1ef1a ch\u1ecdn ng\u1eabu nhi\u00ean.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#co-oznacza-suma\">S\u1ed1 ti\u1ec1n 30.000 euro th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n\n\n\n<li><a href=\"#kiedy-margines-moze-byc-za-maly\">Khi n\u00e0o m\u1ee9c k\u00fd qu\u1ef9 30.000 euro c\u00f3 th\u1ec3 l\u00e0 qu\u00e1 th\u1ea5p?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-wybrac-wyzsza-sume\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1ef1a ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd?<\/a><\/li>\n\n\n\n<li><a href=\"#co-sprawdzic-w-owu\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung tr\u01b0\u1edbc khi mua h\u00e0ng?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n\n\n<li><a href=\"#podejmij-decyzje\">H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u ki\u1ec7n<\/a><\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h2 id=\"co-oznacza-suma\" class=\"wp-block-heading\">S\u1ed1 ti\u1ec1n 30.000 euro th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh m\u1ee9c tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh t\u1ed1i \u0111a c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Tuy nhi\u00ean, \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 \u0111\u1ea3m b\u1ea3o r\u1eb1ng to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c chi tr\u1ea3 \u2013 m\u00e0 ch\u1ec9 l\u00e0 m\u1ee9c tr\u1ea7n c\u1ee7a kho\u1ea3n b\u1ed3i th\u01b0\u1eddng. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n \u00e1p d\u1ee5ng cho t\u1eebng kho\u1ea3n b\u1ed3i th\u01b0\u1eddng c\u0169ng c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng kh\u00f4ng k\u00e9m. <strong>\u0110\u00e2y l\u00e0 m\u1ee9c tr\u1ea7n, ch\u1ee9 kh\u00f4ng ph\u1ea3i cam k\u1ebft chi tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 c\u1ee5 th\u1ec3 v\u00e0 \u0111i\u1ec3n h\u00ecnh l\u00e0 b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a ERGO n\u0103m 2016. G\u00f3i STANDARD quy \u0111\u1ecbnh m\u1ee9c b\u1ed3i th\u01b0\u1eddng l\u00e0 30.000 EUR, c\u00f2n g\u00f3i OPTIMUM l\u00e0 50.000 EUR. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng n\u00eau r\u00f5 r\u1eb1ng m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh cho m\u1ed7i ng\u01b0\u1eddi v\u00e0 \u00e1p d\u1ee5ng cho m\u1ed9t ho\u1eb7c t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra trong th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 <strong>m\u1ed9t h\u1ea1n m\u1ee9c chung c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho to\u00e0n b\u1ed9 th\u1eddi gian b\u1ea3o hi\u1ec3m<\/strong>, thay v\u00ec t\u1ef1 \u0111\u1ed9ng kh\u00f4i ph\u1ee5c sau m\u1ed7i s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00f9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3, tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n t\u1ed1i \u0111a \u1edf m\u1ee9c s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00f3 t\u00ednh \u0111\u1ebfn c\u00e1c gi\u1edbi h\u1ea1n c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung. Do \u0111\u00f3, ngay c\u1ea3 khi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ghi r\u00f5 30.000 EUR, <strong>gi\u1edbi h\u1ea1n ph\u1ee5 c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf m\u1ed9t lo\u1ea1i tr\u1ee3 c\u1ea5p c\u1ee5 th\u1ec3<\/strong>. Ch\u00ednh v\u00ec v\u1eady, vi\u1ec7c ch\u1ec9 so s\u00e1nh c\u00e1c con s\u1ed1 trong hai \u0111\u1ec1 xu\u1ea5t c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn k\u1ebft lu\u1eadn sai l\u1ea7m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u01a1 ch\u1ebf t\u01b0\u01a1ng t\u1ef1 c\u0169ng \u0111\u01b0\u1ee3c th\u1ea5y trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a UNIQA n\u0103m 2020: t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 t\u1ea1o th\u00e0nh gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed7i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 m\u1ed7i l\u1ea7n chi tr\u1ea3 theo h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 s\u1ebd l\u00e0m gi\u1ea3m c\u00e1c m\u1ee9c n\u00e0y.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>S\u1ed1 ti\u1ec1n tr\u1ee3 c\u1ea5p \u0111\u00e3 chi tr\u1ea3 c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m h\u1ea1n m\u1ee9c c\u00f2n l\u1ea1i.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh, c\u1ea7n x\u00e1c \u0111\u1ecbnh xem s\u1ed1 ti\u1ec1n \u0111\u00e3 ch\u1ecdn c\u00f3 \u0111\u1ea3m b\u1ea3o m\u1ee9c ch\u00eanh l\u1ec7ch ph\u00f9 h\u1ee3p ngay c\u1ea3 sau khi s\u1ef1 ki\u1ec7n \u0111\u00f3 x\u1ea3y ra hay kh\u00f4ng.<\/p>\n<\/div><\/div>\n\n\n\n<h2 id=\"kiedy-margines-moze-byc-za-maly\" class=\"wp-block-heading\">Khi n\u00e0o m\u1ee9c k\u00fd qu\u1ef9 30.000 euro c\u00f3 th\u1ec3 l\u00e0 qu\u00e1 th\u1ea5p?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch c\u00f4ng b\u1eb1ng m\u1ed9t m\u1ee9c chi ph\u00ed duy nh\u1ea5t ph\u00f9 h\u1ee3p cho m\u1ecdi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Ch\u00fang ta kh\u00f4ng th\u1ec3 bi\u1ebft tr\u01b0\u1edbc di\u1ec5n bi\u1ebfn c\u1ee7a m\u1ed9t ca b\u1ec7nh \u0111\u1ed9t ng\u1ed9t hay h\u1eadu qu\u1ea3 c\u1ee7a m\u1ed9t v\u1ee5 tai n\u1ea1n. C\u0169ng kh\u00f4ng th\u1ec3 gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng m\u1ecdi tr\u01b0\u1eddng h\u1ee3p nh\u1eadp vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng \u0111\u1ec1u s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n theo c\u00f9ng m\u1ed9t c\u00e1ch. <strong>M\u1ee9c ph\u00f9 h\u1ee3p c\u1ee7a s\u1ed1 ti\u1ec1n ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 v\u00e0 t\u1eebng s\u1ea3n ph\u1ea9m.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n 30.000 euro c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi m\u1ed9t h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd \u00e1p d\u1ee5ng trong m\u1ed9t th\u1eddi gian d\u00e0i v\u00e0 s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh chung cho t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 ki\u1ec7n. H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng c\u00f3 hai s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd, \u0111\u1ed9c l\u1eadp v\u1edbi nhau x\u1ea3y ra trong th\u1eddi gian b\u1ea3o hi\u1ec3m. S\u1ef1 c\u1ed1 \u0111\u1ea7u ti\u00ean c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng m\u1ed9t ph\u1ea7n s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n, v\u00e0 \u0111\u1ebfn s\u1ef1 c\u1ed1 th\u1ee9 hai th\u00ec ch\u1ec9 c\u00f2n l\u1ea1i ph\u1ea7n h\u1ea1n m\u1ee9c ch\u01b0a \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 d\u1ef1 b\u00e1o chi ph\u00ed, m\u00e0 l\u00e0 h\u1ec7 qu\u1ea3 c\u1ee7a c\u01a1 ch\u1ebf gi\u1ea3m m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u1ea5u hi\u1ec7u c\u1ea3nh b\u00e1o th\u1ee9 hai l\u00e0 c\u00e1c m\u1ee9c tr\u1ea7n ph\u1ee5. S\u1ed1 ti\u1ec1n g\u1ed1c cao kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi kho\u1ea3n chi tr\u1ea3 \u0111\u1ec1u s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n \u0111\u1ebfn m\u1ee9c \u0111\u00f3. <strong>Ki\u1ec3m tra t\u1eebng h\u1ea1n m\u1ee9c c\u1ee5 th\u1ec3<\/strong>, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng th\u00f4ng tin li\u00ean quan \u0111\u1ebfn s\u1ef1 tr\u1ee3 gi\u00fap m\u00e0 b\u1ea1n th\u1ef1c s\u1ef1 c\u00f3 th\u1ec3 c\u1ea7n \u0111\u1ebfn trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00ecnh hu\u1ed1ng th\u1ee9 ba l\u00e0 vi\u1ec7c l\u1ef1a ch\u1ecdn ch\u1ec9 d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m r\u1ebb h\u01a1n c\u00f3 th\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a m\u1ed9t ng\u01b0\u1eddi c\u1ee5 th\u1ec3, nh\u01b0ng kh\u00f4ng th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh \u0111i\u1ec1u \u0111\u00f3 n\u1ebfu kh\u00f4ng \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n. Thay v\u00ec t\u1ef1 \u0111\u1ed9ng t\u00ecm ki\u1ebfm \u201em\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u01b0u\u201d, b\u1ea1n n\u00ean x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a gi\u1edbi h\u1ea1n b\u1ed3i th\u01b0\u1eddng v\u00e0 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. M\u1ed9t c\u1ea9m nang h\u01b0\u1edbng d\u1eabn s\u1ebd r\u1ea5t h\u1eefu \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\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen<\/a>.<\/p>\n\n\n\n<h2 id=\"jak-wybrac-wyzsza-sume\" class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1ef1a ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n ch\u1ec9 gi\u00fap n\u00e2ng cao gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh khi m\u1ee9c \u0111\u00f3 th\u1ef1c s\u1ef1 c\u00f3 trong g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn v\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft. Kh\u00f4ng n\u00ean coi \u0111\u00f3 l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t m\u1ed9t c\u00e1ch t\u1ef1 \u0111\u1ed9ng. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y so s\u00e1nh c\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng, sau \u0111\u00f3 m\u1edbi xem x\u00e9t m\u1ee9c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, n\u00ean d\u1ef1a v\u00e0o m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsa0ddfb54_checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsa0ddfb54_checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsa0ddfb54_checklist kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-a0ddfb54_check_1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-a0ddfb54_check_1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-a0ddfb54_check_1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi gian b\u1ea3o v\u1ec7:<\/strong> M\u1ed9t kho\u1ea3n ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i trong bao l\u00e2u?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-a0ddfb54_check_2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-a0ddfb54_check_2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-a0ddfb54_check_2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n:<\/strong> Gi\u1edbi h\u1ea1n n\u00e0y \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ef1 ki\u1ec7n hay cho t\u1ed5ng s\u1ed1 t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 ki\u1ec7n?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-a0ddfb54_check_3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-a0ddfb54_check_3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-a0ddfb54_check_3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5:<\/strong> C\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p ri\u00eang l\u1ebb c\u00f3 m\u1ee9c tr\u1ea7n th\u1ea5p h\u01a1n m\u1ee9c tr\u1ea7n t\u1ed5ng th\u1ec3 kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-a0ddfb54_check_4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-a0ddfb54_check_4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-a0ddfb54_check_4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Gi\u1ea3m t\u1ed5ng:<\/strong> Vi\u1ec7c r\u00fat ti\u1ec1n s\u1edbm c\u00f3 l\u00e0m gi\u1ea3m h\u1ea1n m\u1ee9c c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng sau n\u00e0y kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-a0ddfb54_check_5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-a0ddfb54_check_5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-a0ddfb54_check_5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Lo\u1ea1i tr\u1eeb:<\/strong> Trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-a0ddfb54_check_6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-a0ddfb54_check_6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-a0ddfb54_check_6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>T\u00e0i li\u1ec7u:<\/strong> C\u1ea7n chu\u1ea9n b\u1ecb v\u00e0 cung c\u1ea5p nh\u1eefng g\u00ec khi n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng?<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho th\u1eddi gian l\u01b0u tr\u00fa d\u00e0i ng\u00e0y, b\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra xem c\u00e1c ng\u00e0y ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng c\u00f3 tr\u00f9ng kh\u1edbp v\u1edbi to\u00e0n b\u1ed9 kho\u1ea3ng th\u1eddi gian d\u1ef1 ki\u1ebfn hay kh\u00f4ng. Nh\u1eefng ng\u01b0\u1eddi ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m k\u00e9o d\u00e0i nhi\u1ec1u th\u00e1ng c\u00f3 th\u1ec3 tham kh\u1ea3o ph\u1ea7n gi\u1ea3i th\u00edch v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-loai-bao-hiem-cho-nguoi-nuoc-ngoai\/bao-hiem-cho-nguoi-nuoc-ngoai-nam-2026-so-sanh\/\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026<\/a>. Tuy nhi\u00ean, \u0111\u1eebng sao ch\u00e9p c\u00e1c tham s\u1ed1 t\u1eeb s\u1ea3n ph\u1ea9m n\u00e0y sang s\u1ea3n ph\u1ea9m kh\u00e1c: <strong>M\u1ed7i \u0111\u1ec1 ngh\u1ecb ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n ri\u00eang c\u1ee7a n\u00f3<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong v\u00ed d\u1ee5 v\u1ec1 ERGO n\u0103m 2016 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, s\u1ef1 ch\u00eanh l\u1ec7ch gi\u1eefa g\u00f3i STANDARD v\u00e0 g\u00f3i OPTIMUM l\u00e0 20.000 EUR. \u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 c\u00f3 c\u0103n c\u1ee9 v\u1ec1 hai g\u00f3i b\u1ea3o hi\u1ec3m c\u00f9ng lo\u1ea1i, ch\u1ee9 kh\u00f4ng ph\u1ea3i b\u1eb1ng ch\u1ee9ng cho th\u1ea5y 50.000 EUR lu\u00f4n l\u00e0 \u0111\u1ee7. M\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n mang l\u1ea1i h\u1ea1n m\u1ee9c b\u1ed3i th\u01b0\u1eddng cao h\u01a1n, nh\u01b0ng <strong>kh\u00f4ng \u0111\u1ea3m b\u1ea3o s\u1ebd chi tr\u1ea3 cho m\u1ecdi s\u1ef1 c\u1ed1<\/strong>.<\/p>\n\n\n\n<h2 id=\"co-sprawdzic-w-owu\" class=\"wp-block-heading\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung tr\u01b0\u1edbc khi mua h\u00e0ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u1ecdc \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u1ecbnh ngh\u0129a v\u1ec1 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, sau \u0111\u00f3 chuy\u1ec3n sang ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Ch\u1ec9 t\u00ecm th\u1ea5y con s\u1ed1 30.000 EUR tr\u00ean trang \u0111\u1ea7u ti\u00ean l\u00e0 ch\u01b0a \u0111\u1ee7 \u2013 \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 n\u1ed9i dung c\u1ee7a to\u00e0n b\u1ed9 h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y \u0111\u1eb7c bi\u1ec7t ch\u00fa \u00fd \u0111\u1ebfn m\u1ee5c \u0111\u00edch b\u1ea3o hi\u1ec3m. B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u1eb1m b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u1ec7nh c\u1ea5p t\u00ednh ho\u1eb7c tai n\u1ea1n, khi c\u1ea7n s\u1ef1 tr\u1ee3 gi\u00fap y t\u1ebf c\u1ea7n thi\u1ebft, nh\u1eadp vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng \u2013 theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00e3 ch\u1ecdn. Kh\u00f4ng n\u00ean coi \u0111\u00e2y l\u00e0 ngu\u1ed3n t\u00e0i tr\u1ee3 cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb \u0111\u00e3 \u0111\u01b0\u1ee3c l\u00ean k\u1ebf ho\u1ea1ch tr\u01b0\u1edbc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ef1 ph\u00e2n bi\u1ec7t n\u00e0y \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a ERGO n\u0103m 2016. T\u00e0i li\u1ec7u n\u00e0y lo\u1ea1i tr\u1eeb, trong s\u1ed1 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb li\u00ean quan \u0111\u1ebfn m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn \u0111i v\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u00e3 bi\u1ebft tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh. \u0110i\u1ec1u n\u00e0y c\u0169ng bao g\u1ed3m tr\u01b0\u1eddng h\u1ee3p c\u00f3 c\u00e1c ch\u1ed1ng ch\u1ec9 \u0111\u1ecbnh y t\u1ebf tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh. <strong>Ph\u01b0\u01a1ng \u00e1n \u0111i\u1ec1u tr\u1ecb \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o tr\u01b0\u1edbc \u0111\u00f3 c\u00f3 th\u1ec3 b\u1ecb lo\u1ea1i tr\u1eeb.<\/strong> \u0110i\u1ec1u kho\u1ea3n n\u00e0y \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m v\u00e0 phi\u00ean b\u1ea3n t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh; \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ec1 xu\u1ea5t kh\u00e1c, qu\u00fd kh\u00e1ch c\u1ea7n ki\u1ec3m tra n\u1ed9i dung hi\u1ec7n h\u00e0nh c\u1ee7a c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, c\u00e1c b\u1eb1ng ch\u1ee9ng v\u00e0 t\u00e0i li\u1ec7u c\u0169ng r\u1ea5t quan tr\u1ecdng. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Compensa n\u0103m 2026 y\u00eau c\u1ea7u ph\u1ea3i n\u1ed9p m\u1eabu \u0111\u01a1n khai b\u00e1o thi\u1ec7t h\u1ea1i \u0111\u00e3 \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7 c\u00f9ng c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ednh h\u1ee3p l\u1ec7 c\u1ee7a y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 m\u1ee9c ti\u1ec1n b\u1ed3i th\u01b0\u1eddng, bao g\u1ed3m c\u1ea3 vi\u1ec7c thu th\u1eadp h\u1ed3 s\u01a1 y t\u1ebf. <strong>H\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn s\u1ef1 vi\u1ec7c<\/strong> v\u00e0 l\u00e0m theo h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng. \u0110\u1eebng t\u1ef1 \u00fd x\u00e1c \u0111\u1ecbnh th\u1eddi h\u1ea1n th\u00f4ng b\u00e1o d\u1ef1a tr\u00ean s\u1ea3n ph\u1ea9m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh, h\u00e3y chu\u1ea9n b\u1ecb s\u1eb5n gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m d\u01b0\u1edbi d\u1ea1ng d\u1ec5 xu\u1ea5t tr\u00ecnh. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y th\u00f4ng tin v\u1ec1 c\u00e1c b\u01b0\u1edbc chu\u1ea9n b\u1ecb th\u1ef1c t\u1ebf trong c\u1ea9m nang 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\/\">c\u00e1c gi\u1ea5y t\u1edd \u0111\u01b0\u1ee3c ki\u1ec3m tra t\u1ea1i bi\u00ean gi\u1edbi Schengen<\/a>. N\u1ebfu giao d\u1ecbch mua h\u00e0ng li\u00ean quan \u0111\u1ebfn \u0111\u01a1n xin th\u1ecb th\u1ef1c, h\u00e3y ki\u1ec3m tra th\u00eam c\u00e1c \u0111i\u1ec1u ki\u1ec7n h\u1ee7y b\u1ecf ho\u1eb7c ho\u00e0n ti\u1ec1n \u0111\u01b0\u1ee3c n\u00eau trong t\u00e0i li\u1ec7u <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-va-viec-bi-tu-choi-cap-thi-thuc-hoan-tien\/\">B\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c<\/a>.<\/p>\n\n\n\n<h2 id=\"faq\" class=\"wp-block-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 id=\"czy-30-000-euro-zawsze-wystarczy\" class=\"wp-block-heading\">30.000 euro c\u00f3 bao gi\u1edd l\u00e0 \u0111\u1ee7 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 cho r\u1eb1ng s\u1ed1 ti\u1ec1n n\u00e0y l\u00e0 \u0111\u1ee7 trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. <strong>30.000 euro<\/strong> \u0111i\u1ec1u n\u00e0y kh\u00f4ng \u0111\u1ea3m b\u1ea3o vi\u1ec7c thanh to\u00e1n \u0111\u1ea7y \u0111\u1ee7 c\u00e1c chi ph\u00ed. C\u1ea7n ph\u1ea3i ki\u1ec3m tra th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u00e1ch th\u1ee9c s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h3 id=\"czy-wyzsza-suma-automatycznie-oznacza-lepsza-polise\" class=\"wp-block-heading\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00f3 t\u1ed1t h\u01a1n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ph\u1ea3i t\u1ef1 \u0111\u1ed9ng. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao h\u01a1n s\u1ebd l\u00e0m t\u0103ng m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m, nh\u01b0ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u1eabn c\u00f3 hi\u1ec7u l\u1ef1c. <strong>Lu\u00f4n xem x\u00e9t m\u1ee9c b\u1ed3i th\u01b0\u1eddng cao h\u01a1n trong b\u1ed1i c\u1ea3nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/strong><\/p>\n\n\n\n<h3 id=\"czy-suma-odnawia-sie-po-kazdym-zdarzeniu\" class=\"wp-block-heading\">T\u1ed5ng s\u1ed1 li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt l\u1ea1i sau m\u1ed7i s\u1ef1 ki\u1ec7n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a ERGO n\u0103m 2016, m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u00e1p d\u1ee5ng cho c\u1ea3 m\u1ed9t s\u1ef1 ki\u1ec7n l\u1eabn t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 ki\u1ec7n x\u1ea3y ra trong th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020, m\u1ed7i l\u1ea7n chi tr\u1ea3 s\u1ebd l\u00e0m gi\u1ea3m m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 c\u1ee7a n\u00f3. <strong>\u0110\u1eebng b\u1eadt t\u00ednh n\u0103ng t\u1ef1 \u0111\u1ed9ng gia h\u1ea1n h\u1ea1n m\u1ee9c.<\/strong><\/p>\n\n\n\n<h3 id=\"czy-polisa-moze-pokryc-leczenie-zaplanowane-przed-podroza\" class=\"wp-block-heading\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 chi tr\u1ea3 cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb \u0111\u00e3 \u0111\u01b0\u1ee3c l\u00ean k\u1ebf ho\u1ea1ch tr\u01b0\u1edbc chuy\u1ebfn \u0111i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y. Trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a ERGO \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn, vi\u1ec7c \u0111i\u1ec1u tr\u1ecb l\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn \u0111i v\u00e0 vi\u1ec7c \u0111i\u1ec1u tr\u1ecb m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u00e3 bi\u1ebft tr\u01b0\u1edbc l\u00e0 c\u1ea7n thi\u1ebft \u0111\u00e3 b\u1ecb lo\u1ea1i tr\u1eeb. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng thay th\u1ebf cho vi\u1ec7c t\u00e0i tr\u1ee3 cho qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb \u0111\u00e3 \u0111\u01b0\u1ee3c l\u00ean k\u1ebf ho\u1ea1ch.<\/strong><\/p>\n\n\n\n<h3 id=\"jakie-dokumenty-przygotowac-po-zdarzeniu\" class=\"wp-block-heading\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. V\u00ed d\u1ee5, trong tr\u01b0\u1eddng h\u1ee3p c\u1ee7a Compensa n\u0103m 2026, c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c n\u00eau bao g\u1ed3m m\u1eabu \u0111\u01a1n khai b\u00e1o thi\u1ec7t h\u1ea1i, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf. \u0110\u1ec3 c\u00f3 danh s\u00e1ch \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u00eau c\u1ea7u, qu\u00fd v\u1ecb c\u1ea7n ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh, v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u00e1c th\u1ee7 t\u1ee5c t\u1eeb m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<h3 id=\"gdzie-znalezc-informacje-potrzebne-przy-kontroli-dokumentow\" class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c th\u00f4ng tin c\u1ea7n thi\u1ebft khi ki\u1ec3m tra h\u1ed3 s\u01a1?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u01b0\u1edbng d\u1eabn v\u1ec1 [ch\u1ee7 \u0111\u1ec1] tr\u00ecnh b\u00e0y danh s\u00e1ch c\u00e1c b\u01b0\u1edbc chu\u1ea9n b\u1ecb thi\u1ebft th\u1ef1c <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 gi\u1ea5y t\u1edd t\u1ea1i bi\u00ean gi\u1edbi Schengen<\/a>. Tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh, h\u00e3y \u0111\u1ed1i chi\u1ebfu nh\u1eefng h\u01b0\u1edbng d\u1eabn n\u00e0y v\u1edbi th\u00f4ng tin m\u1edbi nh\u1ea5t li\u00ean quan \u0111\u1ebfn t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n.<\/p>\n<\/div><\/div>\n\n\n\n<h2 id=\"podejmij-decyzje\" class=\"wp-block-heading\">H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u ki\u1ec7n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m 30.000 euro c\u00f3 th\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ed9t h\u1ed3 s\u01a1 c\u1ee5 th\u1ec3, nh\u01b0ng kh\u00f4ng n\u00ean ch\u1ecdn ch\u1ec9 v\u00ec s\u1ed1 ti\u1ec1n n\u00e0y xu\u1ea5t hi\u1ec7n trong t\u00ean g\u00f3i b\u1ea3o hi\u1ec3m ho\u1eb7c tr\u00ean v\u0103n b\u1ea3n. H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean vi\u1ec7c ph\u00e2n t\u00edch m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, <strong>th\u1eddi h\u1ea1n b\u1ea3o v\u1ec7 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m<\/strong>. B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra xem vi\u1ec7c nh\u1eadn tr\u1ee3 c\u1ea5p s\u1edbm c\u00f3 l\u00e0m gi\u1ea3m h\u1ea1n m\u1ee9c c\u00f2n l\u1ea1i hay kh\u00f4ng, c\u0169ng nh\u01b0 nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u sau khi s\u1ef1 ki\u1ec7n x\u1ea3y ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u1ea7n mua b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, h\u00e3y s\u1eed d\u1ee5ng bi\u1ec3u m\u1eabu tr\u1ef1c tuy\u1ebfn c\u1ee7a ch\u00fang t\u00f4i v\u00e0 tham kh\u1ea3o c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n tr\u01b0\u1edbc khi mua.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">MUA TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m Schengen v\u1edbi m\u1ee9c b\u1ed3i th\u01b0\u1eddng 30.000 euro c\u00f3 v\u1ebb nh\u01b0 l\u00e0 gi\u1ea3i ph\u00e1p s\u1eb5n c\u00f3 cho m\u1ecdi chuy\u1ebfn \u0111i ho\u1eb7c k\u1ef3 l\u01b0u tr\u00fa. Tuy nhi\u00ean, ch\u1ec9 ri\u00eang s\u1ed1 ti\u1ec1n \u0111\u00f3 th\u00f4i th\u00ec kh\u00f4ng\u2026<\/p>","protected":false},"author":1,"featured_media":4273,"comment_status":"closed","ping_status":"closed","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":[43],"tags":[68,67,69,70],"class_list":["post-4274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wymogi-prawne-dla-obcokrajowcow-w-polsce-i-schengen","tag-suma-kosztow-leczenia","tag-ubezpieczenie-do-wizy-schengen","tag-warunki-owu-ubezpieczenia","tag-wybor-sumy-ubezpieczenia"],"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>Polisa Schengen 30 000 euro: kiedy suma jest niewystarczaj\u0105ca?<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, kiedy polisa Schengen z sum\u0105 30 000 euro mo\u017ce nie wystarczy\u0107. 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