{"id":4280,"date":"2026-10-13T04:48:43","date_gmt":"2026-10-13T02:48:43","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/?p=4280"},"modified":"2026-10-13T04:48:43","modified_gmt":"2026-10-13T02:48:43","slug":"lam-the-nao-de-mua-bao-hiem-cho-nguoi-nuoc-ngoai-khong-co-ma-so-pesel","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/wymogi-prawne-dla-obcokrajowcow-w-polsce-i-schengen\/ubezpieczenie-dla-cudzoziemca-bez-pesel-jak-kupic\/","title":{"rendered":"B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng c\u00f3 m\u00e3 s\u1ed1 PESEL \u2013 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c kh\u00f4ng c\u00f3 s\u1ed1 PESEL kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1n th\u00f4ng tin ng\u1eabu nhi\u00ean v\u00e0o \u0111\u01a1n \u0111\u0103ng k\u00fd ho\u1eb7c ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ea7u ti\u00ean c\u00f3 s\u1eb5n. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra xem m\u1eabu \u0111\u01a1n hi\u1ec7n t\u1ea1i y\u00eau c\u1ea7u nh\u1eefng th\u00f4ng tin n\u00e0o v\u00e0 li\u1ec7u n\u00f3 c\u00f3 cho ph\u00e9p x\u00e1c \u0111\u1ecbnh danh t\u00ednh ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c hay kh\u00f4ng. C\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn kh\u1ea3 n\u0103ng n\u1ed9p \u0111\u01a1n t\u1eeb xa, nh\u01b0ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng m\u1ecdi k\u00eanh b\u00e1n h\u00e0ng \u0111\u1ec1u s\u1ebd h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi kh\u00f4ng c\u00f3 s\u1ed1 PESEL. C\u00e1c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1c tr\u01b0\u1eddng th\u00f4ng tin c\u00f3 s\u1eb5n trong m\u1eabu \u0111\u01a1n l\u00e0 hai v\u1ea5n \u0111\u1ec1 kh\u00e1c nhau. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1ch chu\u1ea9n b\u1ecb \u0111\u1ec3 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi g\u1eedi \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 c\u00e1ch tr\u00e1nh sai s\u00f3t trong th\u00f4ng tin. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng \u0111i\u1ec1u ch\u1ec9nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch, \u0111\u1ecba \u0111i\u1ec3m v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa.<\/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\"><strong>M\u1ee5c l\u1ee5c<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#czy-brak-pesel-blokuje-zakup\">Vi\u1ec7c kh\u00f4ng c\u00f3 m\u00e3 s\u1ed1 PESEL c\u00f3 c\u1ea3n tr\u1edf vi\u1ec7c mua b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-przygotowac-dane-do-wniosku\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb d\u1eef li\u1ec7u cho \u0111\u01a1n xin?<\/a><\/li>\n\n\n\n<li><a href=\"#co-moze-obejmowac-ochrona\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-przejsc-przez-proces\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ho\u00e0n th\u00e0nh quy tr\u00ecnh m\u00e0 kh\u00f4ng m\u1eafc ph\u1ea3i nh\u1eefng sai l\u1ea7m kh\u00f4ng \u0111\u00e1ng c\u00f3?<\/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=\"#podsumowanie\">T\u00f3m t\u1eaft: Ki\u1ec3m tra kh\u1ea3 n\u0103ng k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"czy-brak-pesel-blokuje-zakup\">Vi\u1ec7c kh\u00f4ng c\u00f3 m\u00e3 s\u1ed1 PESEL c\u00f3 c\u1ea3n tr\u1edf vi\u1ec7c mua b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y ch\u1ec9 d\u1ef1a tr\u00ean c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) hi\u1ec7n c\u00f3. C\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m TUZ Ubezpieczenia U\/1\/2026, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 13 th\u00e1ng 2 n\u0103m 2026, quy \u0111\u1ecbnh kh\u1ea3 n\u0103ng cung c\u1ea5p th\u00f4ng tin cho \u0111\u01a1n \u0111\u0103ng k\u00fd th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n li\u00ean l\u1ea1c t\u1eeb xa. Tuy nhi\u00ean, c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y kh\u00f4ng quy \u0111\u1ecbnh m\u1ed9t danh s\u00e1ch c\u1ed1 \u0111\u1ecbnh c\u00e1c m\u00e3 \u0111\u1ecbnh danh b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 trong m\u1ed7i m\u1eabu \u0111\u01a1n. Do \u0111\u00f3, vi\u1ec7c kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u00e3 PESEL kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 k\u00eanh b\u00e1n h\u00e0ng c\u1ee5 th\u1ec3 \u0111\u00f3 cho ph\u00e9p b\u1ecf qua tr\u01b0\u1eddng th\u00f4ng tin n\u00e0y.<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > #kt-info-boxea5c5960a1 .kt-blocks-info-box-link-wrap{max-width:unset;}#kt-info-boxea5c5960a1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}#kt-info-boxea5c5960a1 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-boxea5c5960a1 .kt-info-svg-icon-flip, #kt-info-boxea5c5960a1 .kt-blocks-info-box-number{font-size:50px;}#kt-info-boxea5c5960a1 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}#kt-info-boxea5c5960a1 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}#kt-info-boxea5c5960a1 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}@media all and (max-width: 1024px){#kt-info-boxea5c5960a1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}@media all and (max-width: 767px){#kt-info-boxea5c5960a1 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-boxea5c5960a1 has-theme-palette-8-background-color has-background\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\"><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-blocks-info-box-title\">\u26a0\ufe0f Quan tr\u1ecdng<\/h4><p class=\"kt-blocks-info-box-text\">C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) kh\u00f4ng x\u00e1c nh\u1eadn r\u1eb1ng m\u1ecdi bi\u1ec3u m\u1eabu \u0111\u1ec1u ch\u1ea5p nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd m\u00e0 kh\u00f4ng c\u1ea7n s\u1ed1 PESEL. H\u00e3y ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng th\u00f4ng tin hi\u1ec7n t\u1ea1i tr\u00ean bi\u1ec3u m\u1eabu ho\u1eb7c h\u1ecfi nh\u00e2n vi\u00ean h\u1ed7 tr\u1ee3 tr\u01b0\u1edbc khi \u0111i\u1ec1n th\u00f4ng tin.<\/p><\/div><\/span><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng \u0111\u01b0\u1ee3c thay th\u1ebf s\u1ed1 b\u1ecb thi\u1ebfu b\u1eb1ng m\u1ed9t d\u00e3y s\u1ed1 0, s\u1ed1 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c ho\u1eb7c s\u1ed1 t\u00e0i li\u1ec7u, tr\u1eeb khi m\u1eabu \u0111\u01a1n c\u00f3 quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 vi\u1ec7c n\u00e0y. Vi\u1ec7c x\u00e1c \u0111\u1ecbnh sai c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn s\u1ef1 kh\u00f4ng kh\u1edbp gi\u1eefa \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ph\u00e2n bi\u1ec7t r\u00f5 hai c\u00e2u h\u1ecfi: \u201eLi\u1ec7u m\u1eabu \u0111\u01a1n c\u00f3 ch\u1ea5p nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd kh\u00f4ng?\u201d v\u00e0 \u201eLi\u1ec7u g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a t\u00f4i kh\u00f4ng?\u201d. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y th\u00f4ng tin v\u1ec1 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa trong c\u1ea9m nang v\u1ec1 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/bao-hiem\/bao-hiem-cho-thi-thuc-quoc-gia\/\">b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c n\u1ed9i \u0111\u1ecba<\/a>. C\u1ea7n ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u1ed3 s\u01a1 \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 c\u1ee7a m\u00ecnh. B\u1ea3n th\u00e2n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea3m b\u1ea3o c\u01a1 quan ch\u1ee9c n\u0103ng s\u1ebd \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh c\u1ee5 th\u1ec3 n\u00e0o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przygotowac-dane-do-wniosku\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb d\u1eef li\u1ec7u cho \u0111\u01a1n xin?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a TUZ quy \u0111\u1ecbnh c\u00e1c lo\u1ea1i th\u00f4ng tin ph\u1ea3i cung c\u1ea5p trong \u0111\u01a1n \u0111\u0103ng k\u00fd. C\u1ee5 th\u1ec3, \u0111\u00f3 l\u00e0 th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a b\u00ean th\u1ee9 ba (n\u1ebfu h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft v\u00ec l\u1ee3i \u00edch c\u1ee7a b\u00ean th\u1ee9 ba), s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa t\u1ea1i Ba Lan. \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m theo nh\u00f3m, c\u0169ng c\u1ea7n n\u00eau r\u00f5 s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. C\u1ee5m t\u1eeb \u201ec\u1ee5 th\u1ec3 l\u00e0\u201d c\u00f3 ngh\u0129a l\u00e0 \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 danh s\u00e1ch \u0111\u1ea7y \u0111\u1ee7 t\u1ea5t c\u1ea3 c\u00e1c th\u00f4ng tin m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ubezpieczajacy-i-ubezpieczony\">Ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 c\u00f9ng m\u1ed9t ng\u01b0\u1eddi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong m\u00f4 h\u00ecnh \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m l\u00e0 b\u00ean k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, c\u00f2n ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. H\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft v\u00ec l\u1ee3i \u00edch c\u1ee7a m\u1ed9t ng\u01b0\u1eddi kh\u00e1c. Kh\u1ea3 n\u0103ng n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong c\u1ea3 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m C\u1ee5 th\u1ec3 (TUZ) l\u1eabn s\u1ea3n ph\u1ea9m Compensa Cudzoziemiec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi m\u1eabu \u0111\u01a1n \u0111\u1ec1u h\u1ed7 tr\u1ee3 t\u1ea5t c\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p. N\u1ebfu \u0111\u01a1n \u0111\u01b0\u1ee3c n\u1ed9p b\u1edfi ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng, th\u00e0nh vi\u00ean gia \u0111\u00ecnh ho\u1eb7c m\u1ed9t ch\u1ee7 th\u1ec3 kh\u00e1c, tr\u01b0\u1edbc khi \u0111i\u1ec1n v\u00e0o c\u00e1c \u00f4, h\u00e3y x\u00e1c nh\u1eadn xem k\u00eanh \u0111\u00f3 c\u00f3 h\u1ed7 tr\u1ee3 m\u1ed1i quan h\u1ec7 n\u00e0y hay kh\u00f4ng. Th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3ng b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong c\u00e1c th\u1ee7 t\u1ee5c ti\u1ebfp theo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ustal-parametry-przed-wpisywaniem-danych\">H\u00e3y thi\u1ebft l\u1eadp c\u00e1c th\u00f4ng s\u1ed1 tr\u01b0\u1edbc khi nh\u1eadp d\u1eef li\u1ec7u<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">X\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft c\u0169ng nh\u01b0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Sau \u0111\u00f3, h\u00e3y \u0111\u1ecdc k\u1ef9 ph\u1ea1m vi, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. Trang m\u00f4 t\u1ea3 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/pham-vi-bao-ve\/\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> s\u1ebd gi\u00fap l\u00e0m r\u00f5 nh\u1eefng v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng nh\u1ea5t, nh\u01b0ng cu\u1ed1i c\u00f9ng th\u00ec \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t v\u1eabn l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) t\u01b0\u01a1ng \u1ee9ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi g\u1eedi \u0111\u01a1n \u0111\u0103ng k\u00fd, h\u00e3y ki\u1ec3m tra ch\u00ednh t\u1ea3 c\u1ee7a h\u1ecd v\u00e0 t\u00ean, ng\u00e0y th\u00e1ng c\u0169ng nh\u01b0 c\u00e1c th\u00f4ng tin kh\u00e1c. \u0110\u1eebng cho r\u1eb1ng b\u1ea3o hi\u1ec3m s\u1ebd t\u1ef1 \u0111\u1ed9ng c\u00f3 hi\u1ec7u l\u1ef1c ngay sau khi thanh to\u00e1n. H\u00e3y tham kh\u1ea3o ng\u00e0y b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00e3 ch\u1ecdn v\u00e0 tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u1ea5p.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-moze-obejmowac-ochrona\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u1eb1m m\u1ee5c \u0111\u00edch b\u1ea3o v\u1ec7 trong c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p. Theo quy \u0111\u1ecbnh c\u1ee7a TUZ, b\u1ea3o hi\u1ec3m n\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c sau khi \u0111\u1ed9t ng\u1ed9t m\u1eafc b\u1ec7nh ho\u1eb7c g\u1eb7p tai n\u1ea1n x\u1ea3y ra trong th\u1eddi gian b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 bao g\u1ed3m, trong s\u1ed1 nh\u1eefng \u0111i\u1ec1u kh\u00e1c, \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. Trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi, h\u1ed3 s\u01a1 b\u1ea3o hi\u1ec3m c\u0169ng quy \u0111\u1ecbnh vi\u1ec7c v\u1eadn chuy\u1ec3n thi th\u1ec3 v\u1ec1 n\u01b0\u1edbc th\u01b0\u1eddng tr\u00fa ho\u1eb7c an t\u00e1ng ho\u1eb7c h\u1ecfa t\u00e1ng t\u1ea1i Ba Lan. C\u00e1c quy\u1ec1n l\u1ee3i ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft, m\u1ee9c b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, c\u00e1c gi\u1edbi h\u1ea1n, quy \u0111\u1ecbnh th\u1ef1c hi\u1ec7n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Do \u0111\u00f3, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 c\u1ee7a s\u1ea3n ph\u1ea9m, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > #kt-info-boxea5c5960a2 .kt-blocks-info-box-link-wrap{max-width:unset;}#kt-info-boxea5c5960a2 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}#kt-info-boxea5c5960a2 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-boxea5c5960a2 .kt-info-svg-icon-flip, #kt-info-boxea5c5960a2 .kt-blocks-info-box-number{font-size:50px;}#kt-info-boxea5c5960a2 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}#kt-info-boxea5c5960a2 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}#kt-info-boxea5c5960a2 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}@media all and (max-width: 1024px){#kt-info-boxea5c5960a2 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}@media all and (max-width: 767px){#kt-info-boxea5c5960a2 .kt-blocks-info-box-link-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-boxea5c5960a2 has-theme-palette-8-background-color has-background\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\"><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-blocks-info-box-title\">Ph\u1ea1m vi ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng<\/h4><p class=\"kt-blocks-info-box-text\">Vi\u1ec7c \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m ho\u1eb7c g\u1eb7p tai n\u1ea1n kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi chi ph\u00ed \u0111\u1ec1u \u0111\u01b0\u1ee3c chi tr\u1ea3 t\u1ef1 \u0111\u1ed9ng. Nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng bao g\u1ed3m ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n, th\u1ee7 t\u1ee5c v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb.<\/p><\/div><\/span><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5: M\u1ed9t ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang l\u01b0u tr\u00fa t\u1ea1i Ba Lan b\u1ecb ch\u1ea5n th\u01b0\u01a1ng \u0111\u1ed9t ng\u1ed9t v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf \u0111\u1ec3 \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa. T\u00ecnh hu\u1ed1ng n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi b\u1ea3n ch\u1ea5t c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3, tuy nhi\u00ean vi\u1ec7c chi tr\u1ea3 chi ph\u00ed s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u0169ng nh\u01b0 c\u00e1c t\u00ecnh ti\u1ebft c\u1ee5 th\u1ec3 c\u1ee7a s\u1ef1 c\u1ed1. Ch\u1ec9 ri\u00eang v\u00ed d\u1ee5 n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 \u0111\u1ea3m b\u1ea3o r\u1eb1ng y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi ch\u1ecdn ph\u01b0\u01a1ng \u00e1n, h\u00e3y \u0111\u1ecdc ph\u1ea7n m\u00f4 t\u1ea3 <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>, sau \u0111\u00f3 so s\u00e1nh v\u1edbi c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3. C\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng chung cho t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m. Trong t\u00e0i li\u1ec7u c\u1ee7a Compensa, v\u00ed d\u1ee5, \u0111\u00e3 n\u00eau r\u00f5 vi\u1ec7c lo\u1ea1i tr\u1eeb chi ph\u00ed \u0111i\u1ec1u tr\u1ecb khi m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i l\u00e0 \u0111\u1ec3 \u0111i\u1ec1u tr\u1ecb, c\u0169ng nh\u01b0 c\u00e1c chi ph\u00ed v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi c\u1ea7n thi\u1ebft \u0111\u1ec3 ph\u1ee5c h\u1ed3i t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n tr\u1edf v\u1ec1 qu\u1ed1c gia th\u01b0\u1eddng tr\u00fa. \u0110\u00e2y l\u00e0 quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m n\u00e0y.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przejsc-przez-proces\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ho\u00e0n th\u00e0nh quy tr\u00ecnh m\u00e0 kh\u00f4ng m\u1eafc ph\u1ea3i nh\u1eefng sai l\u1ea7m kh\u00f4ng \u0111\u00e1ng c\u00f3?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y coi vi\u1ec7c mua h\u00e0ng nh\u01b0 m\u1ed9t chu\u1ed7i c\u00e1c b\u01b0\u1edbc ki\u1ec3m tra ng\u1eafn g\u1ecdn, thay v\u00ec v\u1ed9i v\u00e0ng \u0111i\u1ec1n v\u00e0o bi\u1ec3u m\u1eabu.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea5c5960cl:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea5c5960cl 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-itemsea5c5960cl ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea5c5960cl .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea5c5960cl ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsea5c5960cl 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-itemsea5c5960cl ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea5c5960cl .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea5c5960cl ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsea5c5960cl .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsea5c5960cl 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-ea5c5960cl1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea5c5960cl1 .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-ea5c5960cl1 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>H\u00e3y ki\u1ec3m tra ph\u01b0\u01a1ng ph\u00e1p x\u00e1c \u0111\u1ecbnh.<\/strong> N\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 m\u00e3 s\u1ed1 PESEL, h\u00e3y xem m\u1eabu \u0111\u01a1n hi\u1ec7n t\u1ea1i c\u00f3 nh\u1eefng \u00f4 n\u00e0o. N\u1ebfu quy \u0111\u1ecbnh n\u00e0o \u0111\u00f3 ch\u01b0a r\u00f5 r\u00e0ng, h\u00e3y h\u1ecfi nh\u00e2n vi\u00ean h\u1ed7 tr\u1ee3 tr\u01b0\u1edbc khi \u0111i\u1ec1n th\u00f4ng tin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea5c5960cl2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea5c5960cl2 .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-ea5c5960cl2 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>X\u00e1c \u0111\u1ecbnh vai tr\u00f2 c\u1ee7a c\u00e1c b\u00ean tham gia h\u1ee3p \u0111\u1ed3ng.<\/strong> X\u00e1c \u0111\u1ecbnh ai s\u1ebd l\u00e0 b\u00ean mua b\u1ea3o hi\u1ec3m v\u00e0 ai l\u00e0 b\u00ean \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. N\u1ebfu \u0111\u00f3 l\u00e0 nh\u1eefng c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c kh\u00e1c nhau, h\u00e3y x\u00e1c nh\u1eadn r\u1eb1ng k\u00eanh \u0111\u00e3 ch\u1ecdn h\u1ed7 tr\u1ee3 tr\u01b0\u1eddng h\u1ee3p n\u00e0y.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea5c5960cl3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea5c5960cl3 .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-ea5c5960cl3 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>Ch\u1ecdn kho\u1ea3ng th\u1eddi gian v\u00e0 khu v\u1ef1c.<\/strong> H\u00e3y nh\u1eadp c\u00e1c th\u00f4ng tin ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf v\u00e0 ki\u1ec3m tra l\u1ea1i tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea5c5960cl4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea5c5960cl4 .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-ea5c5960cl4 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>H\u00e3y \u0111\u1ecdc k\u1ef9 ph\u1ea1m vi \u00e1p d\u1ee5ng v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb.<\/strong> H\u00e3y l\u01b0u \u00fd \u0111\u1ebfn c\u00e1c m\u1ee9c b\u1ed3i th\u01b0\u1eddng, gi\u1edbi h\u1ea1n, th\u1ee7 t\u1ee5c c\u0169ng nh\u01b0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea5c5960cl5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea5c5960cl5 .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-ea5c5960cl5 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>H\u00e3y ki\u1ec3m tra gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m.<\/strong> TUZ x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng th\u00f4ng qua v\u0103n b\u1ea3n b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp kh\u00f4ng quy \u0111\u1ecbnh r\u00f5 th\u1eddi \u0111i\u1ec3m v\u00e0 c\u00e1ch th\u1ee9c v\u0103n b\u1ea3n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c cung c\u1ea5p trong quy tr\u00ecnh c\u1ee5 th\u1ec3. Sau khi nh\u1eadn \u0111\u01b0\u1ee3c v\u0103n b\u1ea3n, h\u00e3y ki\u1ec3m tra th\u00f4ng tin, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-ea5c5960cl6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-ea5c5960cl6 .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-ea5c5960cl6 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>H\u00e3y \u0111\u1ea3m b\u1ea3o t\u00ednh nh\u1ea5t qu\u00e1n c\u1ee7a th\u00f4ng tin.<\/strong> Th\u00f4ng tin trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c xu\u1ea5t tr\u00ecnh trong c\u00e1c th\u1ee7 t\u1ee5c kh\u00e1c. Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m kh\u00f4ng quy\u1ebft \u0111\u1ecbnh \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi g\u1eedi \u0111\u01a1n, h\u00e3y xem qua danh s\u00e1ch n\u00e0y <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-cau-hoi-thuong-gap-va-loi-khuyen-thuc-te-cho-nguoi-nuoc-ngoai\/bao-hiem-cho-nguoi-nuoc-ngoai-15-sai-lam-thuong-gap-khi-mua-bao-hiem\/\">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<\/a>. Vi\u1ec7c s\u1eeda ch\u1eefa nh\u1eefng sai s\u00f3t \u1edf giai \u0111o\u1ea1n n\u00e0y s\u1ebd d\u1ec5 d\u00e0ng h\u01a1n so v\u1edbi sau khi \u0111\u00e3 l\u1eadp xong v\u0103n b\u1ea3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">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 class=\"wp-block-heading\" id=\"faq-czy-mozna-kupic-bez-pesel\">C\u00f3 th\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng c\u00f3 m\u00e3 s\u1ed1 PESEL kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 x\u00e1c nh\u1eadn \u0111i\u1ec1u n\u00e0y \u0111\u1ed1i v\u1edbi m\u1ecdi m\u1eabu \u0111\u01a1n. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) cho ph\u00e9p truy\u1ec1n t\u1ea3i th\u00f4ng tin t\u1eeb xa, nh\u01b0ng kh\u00f4ng \u0111\u01b0a ra danh s\u00e1ch c\u1ee5 th\u1ec3 c\u00e1c m\u00e3 \u0111\u1ecbnh danh b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi t\u1eebng k\u00eanh. \u0110\u1ec3 bi\u1ebft li\u1ec7u c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n m\u00e0 kh\u00f4ng c\u1ea7n m\u00e3 PESEL hay kh\u00f4ng, vui l\u00f2ng ki\u1ec3m tra trong m\u1eabu \u0111\u01a1n hi\u1ec7n h\u00e0nh ho\u1eb7c li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi b\u1ed9 ph\u1eadn h\u1ed7 tr\u1ee3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-jakie-dane-beda-potrzebne\">S\u1ebd c\u1ea7n nh\u1eefng th\u00f4ng tin n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a TUZ quy \u0111\u1ecbnh th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a c\u00e1c b\u00ean tham gia h\u1ee3p \u0111\u1ed3ng, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. Danh m\u1ee5c n\u00e0y mang t\u00ednh m\u1edf, do \u0111\u00f3, t\u00f9y theo t\u1eebng m\u1eabu \u0111\u01a1n c\u1ee5 th\u1ec3, c\u00f3 th\u1ec3 y\u00eau c\u1ea7u cung c\u1ea5p th\u00eam c\u00e1c th\u00f4ng tin kh\u00e1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-umowa-na-rzecz-cudzoziemca\">C\u00f3 ai kh\u00e1c c\u00f3 th\u1ec3 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng thay m\u1eb7t cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a TUZ v\u00e0 Compensa ph\u00e2n bi\u1ec7t gi\u1eefa ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, \u0111\u1ed3ng th\u1eddi m\u00f4 t\u1ea3 h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft v\u00ec l\u1ee3i \u00edch c\u1ee7a m\u1ed9t ng\u01b0\u1eddi kh\u00e1c. Vui l\u00f2ng ki\u1ec3m tra ri\u00eang xem m\u1eabu \u0111\u01a1n \u0111\u00e3 ch\u1ecdn c\u00f3 h\u1ed7 tr\u1ee3 lo\u1ea1i ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m n\u00e0y hay kh\u00f4ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-dokument-po-platnosci\">Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c hi\u1ec3n th\u1ecb ngay sau khi thanh to\u00e1n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a TUZ \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn \u1edf tr\u00ean x\u00e1c nh\u1eadn r\u1eb1ng vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn b\u1eb1ng gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y kh\u00f4ng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 k\u00eanh c\u0169ng nh\u01b0 th\u1eddi \u0111i\u1ec3m cung c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn n\u00e0y sau khi mua b\u1ea3o hi\u1ec3m. Vui l\u00f2ng ki\u1ec3m tra quy tr\u00ecnh hi\u1ec7n h\u00e0nh \u0111\u1ec3 bi\u1ebft c\u00e1ch th\u1ee9c chuy\u1ec3n giao gi\u1ea5y ch\u1ee9ng nh\u1eadn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-formalnosci-pobytowe\">Li\u1ec7u m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn trong qu\u00e1 tr\u00ecnh l\u00e0m th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 \u0111\u1ea3m b\u1ea3o k\u1ebft qu\u1ea3 \u0111\u1ed1i v\u1edbi t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ed1i chi\u1ebfu v\u1edbi c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 \u0111\u00f3. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan trong m\u1ee5c <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-cau-hoi-thuong-gap-va-loi-khuyen-thuc-te-cho-nguoi-nuoc-ngoai\/\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t v\u00e0 nh\u1eefng l\u1eddi khuy\u00ean thi\u1ebft th\u1ef1c d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-planowane-leczenie\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 d\u00f9ng \u0111\u1ec3 chi tr\u1ea3 cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb \u0111\u00e3 \u0111\u01b0\u1ee3c l\u00ean k\u1ebf ho\u1ea1ch t\u1eeb tr\u01b0\u1edbc kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u1edf \u0111\u00e2y \u00e1p d\u1ee5ng cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd x\u1ea3y ra trong th\u1eddi gian b\u1ea3o hi\u1ec3m. T\u00e0i li\u1ec7u c\u1ee7a Compensa c\u0169ng n\u00eau r\u00f5 tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb khi m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn \u0111i l\u00e0 \u0111\u1ec3 \u0111i\u1ec1u tr\u1ecb y t\u1ebf. Lu\u00f4n \u0111\u00e1nh gi\u00e1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00e3 ch\u1ecdn.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"podsumowanie\">T\u00f3m t\u1eaft: Ki\u1ec3m tra kh\u1ea3 n\u0103ng k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu kh\u00f4ng c\u00f3 s\u1ed1 PESEL, tr\u01b0\u1edbc ti\u00ean h\u00e3y ki\u1ec3m tra ph\u01b0\u01a1ng th\u1ee9c x\u00e1c minh danh t\u00ednh trong m\u1eabu \u0111\u01a1n c\u1ee5 th\u1ec3. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) x\u00e1c nh\u1eadn r\u1eb1ng th\u00f4ng tin cho \u0111\u01a1n \u0111\u0103ng k\u00fd c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c g\u1eedi t\u1eeb xa, nh\u01b0ng kh\u00f4ng ch\u1ee9ng minh r\u1eb1ng m\u1ecdi quy tr\u00ecnh b\u00e1n h\u00e0ng \u0111\u1ec1u ch\u1ea5p nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd n\u1ebfu thi\u1ebfu s\u1ed1 n\u00e0y. Tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn d\u1eef li\u1ec7u, h\u00e3y x\u00e1c \u0111\u1ecbnh r\u00f5 vai tr\u00f2 c\u1ee7a c\u00e1c b\u00ean trong h\u1ee3p \u0111\u1ed3ng, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. H\u00e3y \u0111\u1ecdc k\u1ef9 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb; sau khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y so s\u00e1nh t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m v\u1edbi th\u00f4ng tin \u0111\u00e3 cung c\u1ea5p trong \u0111\u01a1n \u0111\u0103ng k\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu m\u1eabu \u0111\u01a1n kh\u00f4ng h\u01b0\u1edbng d\u1eabn c\u00e1ch x\u1eed l\u00fd trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 m\u00e3 PESEL, xin \u0111\u1eebng \u0111i\u1ec1n th\u00f4ng tin thay th\u1ebf. H\u00e3y gi\u1ea3i th\u00edch t\u00ecnh hu\u1ed1ng c\u1ee7a b\u1ea1n cho nh\u00e2n vi\u00ean v\u00e0 y\u00eau c\u1ea7u h\u1ecd ch\u1ec9 d\u1eabn c\u00e1ch x\u1eed l\u00fd ph\u00f9 h\u1ee3p.<\/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\/lien-he\/\">H\u1eceI V\u1ec0 B\u1ea2O HI\u1ec2M<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c kh\u00f4ng c\u00f3 s\u1ed1 PESEL kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1n th\u00f4ng tin ng\u1eabu nhi\u00ean v\u00e0o \u0111\u01a1n \u0111\u0103ng k\u00fd ho\u1eb7c ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ea7u ti\u00ean c\u00f3 s\u1eb5n. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra xem c\u1ea7n nh\u1eefng th\u00f4ng tin n\u00e0o\u2026<\/p>","protected":false},"author":1,"featured_media":4279,"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":[79,77,76,75,78],"class_list":["post-4280","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wymogi-prawne-dla-obcokrajowcow-w-polsce-i-schengen","tag-dokument-ubezpieczenia","tag-koszty-leczenia-cudzoziemca","tag-polisa-bez-pesel","tag-ubezpieczenie-dla-cudzoziemca","tag-zakup-ubezpieczenia-online"],"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 bez PESEL \u2013 jak kupi\u0107?<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jak przygotowa\u0107 dane i wybra\u0107 ubezpieczenie dla cudzoziemca bez PESEL, czego wymaga formularz oraz jak unikn\u0105\u0107 b\u0142\u0119d\u00f3w przed zakupem polisy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/yeu-cau-phap-ly-doi-voi-nguoi-nuoc-ngoai-tai-ba-lan-va-khu-vuc-schengen\/lam-the-nao-de-mua-bao-hiem-cho-nguoi-nuoc-ngoai-khong-co-ma-so-pesel\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ubezpieczenie dla cudzoziemca bez PESEL \u2013 jak kupi\u0107?\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, jak przygotowa\u0107 dane i wybra\u0107 ubezpieczenie dla cudzoziemca bez PESEL, czego wymaga formularz oraz jak unikn\u0105\u0107 b\u0142\u0119d\u00f3w przed zakupem polisy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/yeu-cau-phap-ly-doi-voi-nguoi-nuoc-ngoai-tai-ba-lan-va-khu-vuc-schengen\/lam-the-nao-de-mua-bao-hiem-cho-nguoi-nuoc-ngoai-khong-co-ma-so-pesel\/\" \/>\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=\"2026-10-13T02:48:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisa-obcokrajowca.pl\/wp-content\/uploads\/2026\/10\/ai-ba56cacec106ce8c8b02c299ae2ea4c1e02d5ea0df06fd16c892b62797a5d1ca.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta 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