{"id":4286,"date":"2026-10-19T21:08:58","date_gmt":"2026-10-19T19:08:58","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/?p=4286"},"modified":"2026-10-19T21:08:58","modified_gmt":"2026-10-19T19:08:58","slug":"bao-hiem-cho-nguoi-ukraine-tai-ba-lan-nhung-dieu-can-luu-y","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/rodzaje-polis-dla-cudzoziemcow\/ubezpieczenie-dla-ukrainca-w-polsce-na-co-uwazac\/","title":{"rendered":"B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi Ukraine t\u1ea1i Ba Lan \u2013 c\u1ea7n l\u01b0u \u00fd nh\u1eefng g\u00ec?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m d\u00e0nh cho c\u00f4ng d\u00e2n Ukraine \u0111ang c\u01b0 tr\u00fa ho\u1eb7c t\u1ea1m tr\u00fa t\u1ea1i Ba Lan c\u1ea7n \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n. N\u1ebfu b\u1ea1n c\u1ea7n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa, h\u00e3y ki\u1ec3m tra k\u1ef9 c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m. Ch\u1ec9 t\u00ean g\u1ecdi c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7. Tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 c\u00e1ch x\u1eed l\u00fd sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra. <strong>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU)<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u00f4 t\u1ea3 chung v\u1ec1 s\u1ea3n ph\u1ea9m. Nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p, ng\u00e0y th\u00e1ng sai s\u00f3t c\u0169ng nh\u01b0 thi\u1ebfu c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft sau n\u00e0y \u0111\u1ec3 x\u1eed l\u00fd y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/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\n<p class=\"has-medium-font-size wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#najpierw-okresl-cel-polisy\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n\n<li><a href=\"#co-naprawde-oznacza-zakres-ochrony\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0o<\/a><\/li>\n\n\n\n<li><a href=\"#co-sprawdzic-przed-zakupem\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua<\/a><\/li>\n\n\n\n<li><a href=\"#jak-przygotowac-sie-na-zgloszenie-szkody\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb cho vi\u1ec7c khai b\u00e1o thi\u1ec7t h\u1ea1i<\/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=\"#dobra-polisa-zaczyna-sie-od-dobrego-wyboru\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ed9t s\u1ef1 l\u1ef1a ch\u1ecdn \u0111\u00fang \u0111\u1eafn<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"najpierw-okresl-cel-polisy\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi \u0111ang chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 c\u01b0 tr\u00fa c\u00f3 th\u1ec3 c\u1ea7n m\u1ed9t gi\u1ea3i ph\u00e1p kh\u00e1c so v\u1edbi ng\u01b0\u1eddi \u0111ang t\u00ecm ki\u1ebfm s\u1ef1 b\u1ea3o v\u1ec7 trong th\u1eddi gian l\u00e0m vi\u1ec7c ho\u1eb7c c\u01b0 tr\u00fa d\u00e0i h\u1ea1n t\u1ea1i Ba Lan. Do \u0111\u00f3, b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean kh\u00f4ng n\u00ean l\u00e0 c\u00e2u h\u1ecfi \u201eg\u00f3i b\u1ea3o hi\u1ec3m n\u00e0o r\u1ebb nh\u1ea5t?\u201d, m\u00e0 ph\u1ea3i l\u00e0 \u201eg\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd gi\u00fap t\u00f4i trong t\u00ecnh hu\u1ed1ng n\u00e0o?\u201d. <strong>M\u1ee5c \u0111\u00edch mua h\u00e0ng ph\u1ea3i r\u00f5 r\u00e0ng<\/strong> tr\u01b0\u1edbc khi \u0111i\u1ec1n v\u00e0o bi\u1ec3u m\u1eabu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m v\u00e0o c\u00e1c t\u00e0i li\u1ec7u ch\u00ednh th\u1ee9c, h\u00e3y ki\u1ec3m tra tr\u1ef1c ti\u1ebfp c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1eddi h\u1ea1n, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 n\u1ed9i dung c\u1ee7a gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n. \u0110\u1eebng cho r\u1eb1ng b\u1ea5t k\u1ef3 t\u00e0i li\u1ec7u n\u00e0o c\u00f3 t\u00ean l\u00e0 \u201eb\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i\u201d \u0111\u1ec1u ph\u00f9 h\u1ee3p. Tr\u00ean c\u00e1c trang ri\u00eang bi\u1ec7t, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1ch l\u1ef1a ch\u1ecdn <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/bao-hiem\/bao-hiem-cho-the-cu-tru\/\">b\u1ea3o hi\u1ec3m cho th\u1ebb c\u01b0 tr\u00fa<\/a> v\u00e0 <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 qu\u1ed1c gia<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi x\u00e1c \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong th\u1eddi gian l\u01b0u tr\u00fa, c\u1ea7n x\u00e1c \u0111\u1ecbnh r\u00f5 n\u01a1i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd l\u01b0u tr\u00fa c\u0169ng nh\u01b0 th\u1eddi \u0111i\u1ec3m ch\u00ednh x\u00e1c m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c. C\u00e1c m\u1ed1c th\u1eddi gian n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ec3 l\u1ea1i kho\u1ea3ng tr\u1ed1ng kh\u00f4ng mong mu\u1ed1n trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m. B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c th\u00f4ng tin c\u00e1 nh\u00e2n, ch\u1eb3ng h\u1ea1n nh\u01b0 h\u1ecd v\u00e0 t\u00ean, ng\u00e0y sinh, s\u1ed1 gi\u1ea5y t\u1edd t\u00f9y th\u00e2n v\u00e0 qu\u1ed1c gia xu\u1ea5t x\u1ee9. N\u1ebfu ph\u00e1t hi\u1ec7n sai s\u00f3t trong th\u00f4ng tin, h\u00e3y y\u00eau c\u1ea7u s\u1eeda ch\u1eefa v\u00e0 ki\u1ec3m tra l\u1ea1i t\u00e0i li\u1ec7u \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qu\u1ed1c t\u1ecbch Ukraine kh\u00f4ng n\u00ean thay th\u1ebf cho vi\u1ec7c \u0111\u00e1nh gi\u00e1 nhu c\u1ea7u c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n. M\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, th\u1eddi gian b\u1ea3o v\u1ec7 d\u1ef1 ki\u1ebfn v\u00e0 t\u00ecnh h\u00ecnh c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng ng\u01b0\u1eddi l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 then ch\u1ed1t. N\u1ebfu b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng cho nhi\u1ec1u h\u01a1n m\u1ed9t ng\u01b0\u1eddi, m\u1ed7i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c ghi r\u00f5 trong c\u00e1c t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-naprawde-oznacza-zakres-ochrony\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m 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\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u1eb1m b\u1ea3o v\u1ec7 trong c\u00e1c t\u00ecnh hu\u1ed1ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. Kh\u00f4ng n\u00ean coi \u0111\u00e2y nh\u01b0 m\u1ed9t g\u00f3i d\u1ecbch v\u1ee5 m\u1edf cho b\u1ea5t k\u1ef3 d\u1ecbch v\u1ee5 y t\u1ebf n\u00e0o. Khi l\u1ef1a ch\u1ecdn, h\u00e3y t\u1eadp trung v\u00e0o c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p: b\u1ec7nh c\u1ea5p t\u00ednh, tai n\u1ea1n, ph\u1ea3i nh\u1eadp vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng \u2014 v\u00e0 m\u1ed7i l\u1ea7n h\u00e3y ki\u1ec3m tra xem g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3 bao g\u1ed3m nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o. <strong>Kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u00fd b\u1ed5 sung ph\u1ea1m vi d\u1ef1a tr\u00ean t\u00ean s\u1ea3n ph\u1ea9m<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan k\u00e8m theo c\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa n\u0103m 2026. \u0110i\u1ec1u kho\u1ea3n n\u00e0y quy \u0111\u1ecbnh c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n x\u1ea3y ra t\u1ea1i Ba Lan. <strong>\u0110\u00e2y l\u00e0 n\u1ed9i dung li\u00ean quan \u0111\u1ebfn m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a Compensa<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ecbnh ngh\u0129a chung cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng. \u0110i\u1ec1u kho\u1ea3n n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ecdc c\u00f9ng v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng so s\u00e1nh c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 d\u1ef1a tr\u00ean ti\u00eau \u0111\u1ec1 t\u00e0i li\u1ec7u hay m\u1ed9t c\u00e2u m\u00f4 t\u1ea3 duy nh\u1ea5t. H\u00e3y l\u01b0u \u00fd xem ph\u1ea1m vi b\u1ea3o hi\u1ec3m b\u1ea1n c\u1ea7n l\u00e0 ph\u1ea7n c\u01a1 b\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng, m\u1ed9t g\u00f3i t\u00f9y ch\u1ecdn hay m\u1ed9t \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. G\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn ph\u1ea3i \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng. N\u1ebfu bi\u1ec3u m\u1eabu cho ph\u00e9p b\u1ea1n ch\u1ecdn c\u00e1c t\u00f9y ch\u1ecdn m\u1edf r\u1ed9ng, h\u00e3y ki\u1ec3m tra ph\u1ea7n t\u00f3m t\u1eaft tr\u01b0\u1edbc khi thanh to\u00e1n thay v\u00ec gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng ch\u00fang \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00eam v\u00e0o t\u1ef1 \u0111\u1ed9ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic-przed-zakupem\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 tr\u1ea3 l\u1eddi qua m\u1ed9t lo\u1ea1t c\u00e2u h\u1ecfi ng\u1eafn. Vi\u1ec7c n\u00e0y kh\u00f4ng \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i am hi\u1ec3u thu\u1eadt ng\u1eef b\u1ea3o hi\u1ec3m, nh\u01b0ng c\u1ea7n ph\u1ea3i \u0111\u1ecdc k\u1ef9 b\u1ea3n t\u00f3m t\u1eaft v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU).<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items3cb0d2e9-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3cb0d2e9-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-items3cb0d2e9-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3cb0d2e9-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3cb0d2e9-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items3cb0d2e9-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-items3cb0d2e9-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items3cb0d2e9-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items3cb0d2e9-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items3cb0d2e9-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-items3cb0d2e9-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-3cb0d2e9-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3cb0d2e9-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-3cb0d2e9-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\u00f4ng tin c\u00e1 nh\u00e2n:<\/strong> T\u1ea5t c\u1ea3 c\u00e1c th\u00f4ng tin c\u00f3 kh\u1edbp v\u1edbi gi\u1ea5y t\u1edd t\u00f9y th\u00e2n kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3cb0d2e9-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3cb0d2e9-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-3cb0d2e9-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>Th\u1eddi gian b\u1ea3o v\u1ec7:<\/strong> Li\u1ec7u th\u1eddi gian b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf v\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a t\u00e0i li\u1ec7u hay kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3cb0d2e9-check-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3cb0d2e9-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-3cb0d2e9-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>L\u00e3nh th\u1ed5:<\/strong> H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c ch\u00ednh x\u00e1c t\u1ea1i n\u01a1i m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd l\u01b0u tr\u00fa kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3cb0d2e9-check-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3cb0d2e9-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-3cb0d2e9-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>Ph\u1ea1m vi:<\/strong> T\u00e0i li\u1ec7u n\u00e0y c\u00f3 n\u00eau r\u00f5 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 c\u1ea7n thi\u1ebft trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3cb0d2e9-check-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3cb0d2e9-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-3cb0d2e9-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>T\u1ed5ng v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5:<\/strong> Ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn l\u00e0 g\u00ec?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-3cb0d2e9-check-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3cb0d2e9-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-3cb0d2e9-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>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-3cb0d2e9-check-7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-3cb0d2e9-check-7 .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-3cb0d2e9-check-7 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>Quy tr\u00ecnh x\u1eed l\u00fd sau s\u1ef1 c\u1ed1:<\/strong> N\u00ean b\u00e1o c\u00e1o thi\u1ec7t h\u1ea1i \u1edf \u0111\u00e2u v\u00e0 nh\u01b0 th\u1ebf n\u00e0o, c\u0169ng nh\u01b0 c\u1ea7n gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i kh\u00f4ng n\u00eau ra c\u00e1c s\u1ed1 ti\u1ec1n minh h\u1ecda hay danh m\u1ee5c c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb t\u1ea1i \u0111\u00e2y, v\u00ec nh\u1eefng th\u00f4ng tin n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn t\u1eeb c\u00e1c \u0111i\u1ec1u kho\u1ea3n hi\u1ec7n h\u00e0nh c\u1ee7a s\u1ea3n ph\u1ea9m m\u00e0 b\u1ea1n \u0111\u00e3 ch\u1ecdn. S\u1ed1 ti\u1ec1n trong m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c kh\u00f4ng ph\u1ea3i l\u00e0 c\u01a1 s\u1edf tham chi\u1ebfu cho h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n. T\u01b0\u01a1ng t\u1ef1, m\u1ed9t tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3 \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi kh\u00e1c c\u0169ng kh\u00f4ng quy\u1ebft \u0111\u1ecbnh n\u1ed9i dung b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u h\u1eefu \u00edch l\u00e0 trang m\u00f4 t\u1ea3 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/bao-hiem\/bao-hiem-cho-nguoi-nuoc-ngoai\/\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc vi\u1ec7c b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea1m vi v\u01b0\u1ee3t ra ngo\u00e0i l\u00e3nh th\u1ed5 Ba Lan, tr\u01b0\u1edbc ti\u00ean h\u00e3y t\u00ecm hi\u1ec3u <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-loai-bao-hiem-cho-nguoi-nuoc-ngoai\/nen-chon-bao-hiem-schengen-hay-bao-hiem-trong-nuoc\/\">S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m Schengen v\u00e0 b\u1ea3o hi\u1ec3m trong n\u01b0\u1edbc<\/a>. <strong>C\u1ea7n x\u00e1c nh\u1eadn khu v\u1ef1c b\u1ea3o v\u1ec7 tr\u01b0\u1edbc khi mua<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 sau khi \u0111\u00e3 r\u1eddi \u0111i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n n\u00ean l\u01b0u gi\u1eef b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u00e3 t\u1ea3i xu\u1ed1ng trong \u0111i\u1ec7n tho\u1ea1i c\u0169ng nh\u01b0 t\u1ea1i m\u1ed9t n\u01a1i kh\u00e1c d\u1ec5 t\u00ecm. H\u00e3y ghi l\u1ea1i s\u1ed1 h\u1ee3p \u0111\u1ed3ng v\u00e0 h\u01b0\u1edbng d\u1eabn c\u00e1ch th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1. \u0110\u00e2y l\u00e0 c\u00e1ch s\u1eafp x\u1ebfp t\u00e0i li\u1ec7u \u0111\u01a1n gi\u1ea3n, gi\u00fap b\u1ea1n tr\u00e1nh ph\u1ea3i loay hoay t\u00ecm ki\u1ebfm ch\u00fang trong l\u00fac c\u0103ng th\u1eb3ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przygotowac-sie-na-zgloszenie-szkody\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb cho vi\u1ec7c khai b\u00e1o thi\u1ec7t h\u1ea1i<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m ho\u1eb7c g\u1eb7p tai n\u1ea1n, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tr\u1ee3 gi\u00fap c\u1ea7n thi\u1ebft. \u0110\u1ed3ng th\u1eddi, n\u1ebfu t\u00ecnh h\u00ecnh cho ph\u00e9p, h\u00e3y l\u00e0m theo h\u01b0\u1edbng d\u1eabn \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. <strong>Kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng quy tr\u00ecnh t\u1eeb s\u1ea3n ph\u1ea9m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c<\/strong>, v\u00ec c\u00e1c b\u01b0\u1edbc v\u00e0 gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 theo c\u00e1ch kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh c\u1ee7a TUZ Ubezpieczenia n\u0103m 2026 y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 h\u1ed3 s\u01a1 y t\u1ebf bao g\u1ed3m ch\u1ea9n \u0111o\u00e1n v\u00e0 l\u00fd do ch\u1ee9ng minh s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a vi\u1ec7c \u0111i\u1ec1u tr\u1ecb. Th\u1ee7 t\u1ee5c c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0y c\u0169ng quy \u0111\u1ecbnh ph\u1ea3i n\u1ed9p m\u1eabu \u0111\u01a1n khai b\u00e1o t\u1ed5n th\u1ea5t \u0111\u00e3 \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin. <strong>M\u1eabu \u0111\u01a1n ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng b\u01b0\u1edbc c\u1ee7a th\u1ee7 t\u1ee5c<\/strong> \u2014 kh\u00f4ng n\u00ean coi \u0111\u00e2y l\u00e0 danh s\u00e1ch \u0111\u1ea7y \u0111\u1ee7 c\u00e1c ngh\u0129a v\u1ee5.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Compensa n\u0103m 2026 quy \u0111\u1ecbnh vi\u1ec7c cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng, bao g\u1ed3m h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c t\u00ecnh ti\u1ebft c\u0169ng nh\u01b0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. Ngh\u0129a v\u1ee5 n\u00e0y \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a Compensa. <strong>Ph\u1ea1m vi c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ea7n thi\u1ebft \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra, b\u1ea1n n\u00ean:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>t\u00ecm h\u01b0\u1edbng d\u1eabn khai b\u00e1o \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m;<\/li>\n\n\n\n<li>ghi l\u1ea1i c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n v\u1ec1 s\u1ef1 vi\u1ec7c v\u00e0 qu\u00e1 tr\u00ecnh c\u1ee9u h\u1ed9;<\/li>\n\n\n\n<li>y\u00eau c\u1ea7u cung c\u1ea5p h\u1ed3 s\u01a1 li\u00ean quan \u0111\u1ebfn ch\u1ea9n \u0111o\u00e1n v\u00e0 vi\u1ec7c h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n;<\/li>\n\n\n\n<li>gi\u1eef l\u1ea1i c\u00e1c t\u00e0i li\u1ec7u nh\u1eadn \u0111\u01b0\u1ee3c li\u00ean quan \u0111\u1ebfn s\u1ef1 vi\u1ec7c;<\/li>\n\n\n\n<li>\u0111i\u1ec1n v\u00e0o m\u1eabu \u0111\u01a1n v\u00e0 n\u1ed9p c\u00e1c t\u00e0i li\u1ec7u theo y\u00eau c\u1ea7u c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ea9m quy\u1ec1n.<\/li>\n<\/ol>\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\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>\u0110\u1eebng v\u1ee9t b\u1ecf c\u00e1c t\u00e0i li\u1ec7u tr\u01b0\u1edbc khi v\u1ee5 vi\u1ec7c k\u1ebft th\u00fac<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u b\u1ed5 sung t\u00e0i li\u1ec7u, h\u00e3y l\u00e0m theo h\u01b0\u1edbng d\u1eabn c\u1ee7a h\u1ecd v\u00e0 l\u01b0u gi\u1eef b\u1ea3n sao c\u00e1c t\u1ec7p \u0111\u00e3 g\u1eedi. \u0110\u1eebng t\u1ef1 \u0111o\u00e1n xem t\u00e0i li\u1ec7u \u0111\u00f3 c\u00f3 c\u1ea7n thi\u1ebft hay kh\u00f4ng \u2014 t\u1ed1t nh\u1ea5t l\u00e0 n\u00ean ki\u1ec3m tra l\u1ea1i trong quy tr\u00ecnh c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/p>\n\n<\/div><\/div>\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\n<h3 class=\"wp-block-heading\">C\u00f4ng d\u00e2n Ukraine c\u00f3 c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1eb7c bi\u1ec7t ch\u1ec9 v\u00ec qu\u1ed1c t\u1ecbch c\u1ee7a m\u00ecnh kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng ch\u1ecdn s\u1ea3n ph\u1ea9m ch\u1ec9 d\u1ef1a tr\u00ean qu\u1ed1c t\u1ecbch. M\u1ee5c \u0111\u00edch c\u1ee7a t\u00e0i li\u1ec7u, th\u1eddi gian v\u00e0 \u0111\u1ecba \u0111i\u1ec3m l\u01b0u tr\u00fa, c\u0169ng nh\u01b0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft m\u1edbi l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 then ch\u1ed1t. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh cho ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng ng\u01b0\u1eddi<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho c\u1ea3 th\u1ecb th\u1ef1c l\u1eabn th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng v\u1ed9i k\u1ebft lu\u1eadn nh\u01b0 v\u1eady. H\u00e3y ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 \u00e1p d\u1ee5ng cho tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n c\u0169ng nh\u01b0 n\u1ed9i dung c\u1ee7a t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c c\u1ea5p. T\u00ean s\u1ea3n ph\u1ea9m kh\u00f4ng t\u1ef1 n\u00f3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng t\u00e0i li\u1ec7u \u0111\u00f3 s\u1ebd ph\u00f9 h\u1ee3p cho c\u1ea3 hai m\u1ee5c \u0111\u00edch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ch\u1ec9 c\u1ea7n mua phi\u00ean b\u1ea3n r\u1ebb nh\u1ea5t l\u00e0 \u0111\u1ee7 ch\u01b0a?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u00e1 c\u1ea3 kh\u00f4ng ph\u1ea3n \u00e1nh li\u1ec7u ph\u1ea1m vi, l\u00e3nh th\u1ed5, th\u1eddi h\u1ea1n v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea1n hay kh\u00f4ng. <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y so s\u00e1nh c\u00e1c th\u00f4ng s\u1ed1 b\u1ea3o v\u1ec7<\/strong>, v\u00e0 ch\u1ec9 sau \u0111\u00f3 m\u1edbi \u0111\u1ebfn chi ph\u00ed c\u1ee7a c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed t\u01b0\u01a1ng t\u1ef1. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 h\u1eefu \u00edch <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\/\">So s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong v\u00f2ng m\u1ed9t n\u0103m<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00f3 ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u chi tr\u1ea3 cho b\u1ec7nh t\u1eadt v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n theo c\u00f9ng m\u1ed9t c\u00e1ch kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a Compensa \u0111\u01b0\u1ee3c n\u00eau tr\u00ean xu\u1ea5t ph\u00e1t t\u1eeb m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb n\u0103m 2026. <strong>M\u1ed7i ph\u01b0\u01a1ng \u00e1n c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan<\/strong>, c\u00f3 t\u00ednh \u0111\u1ebfn c\u00e1c h\u1ea1n ch\u1ebf v\u00e0 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o c\u00f3 th\u1ec3 c\u1ea7n thi\u1ebft sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y t\u00f9y thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a TUZ Ubezpieczenia n\u0103m 2026 quy \u0111\u1ecbnh ph\u1ea3i cung c\u1ea5p h\u1ed3 s\u01a1 y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n v\u00e0 l\u00fd do \u0111i\u1ec1u tr\u1ecb, c\u00f9ng v\u1edbi m\u1eabu \u0111\u01a1n khai b\u00e1o b\u1ed3i th\u01b0\u1eddng. C\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a Compensa quy \u0111\u1ecbnh vi\u1ec7c cung c\u1ea5p h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ea7n thi\u1ebft kh\u00e1c. H\u00e3y lu\u00f4n ki\u1ec3m tra h\u01b0\u1edbng d\u1eabn \u0111\u1ea7y \u0111\u1ee7 t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00f3 n\u00ean gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung sau khi mua kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00fang v\u1eady. H\u00e3y c\u1ea5t gi\u1eef ch\u00fang \u1edf n\u01a1i c\u00f3 th\u1ec3 truy c\u1eadp \u0111\u01b0\u1ee3c ngay c\u1ea3 khi b\u1ea1n kh\u00f4ng \u1edf nh\u00e0. Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m x\u00e1c nh\u1eadn h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft, c\u00f2n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) gi\u00fap b\u1ea1n ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 th\u1ee7 t\u1ee5c c\u1ea7n th\u1ef1c hi\u1ec7n khi s\u1ef1 c\u1ed1 x\u1ea3y ra.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dobra-polisa-zaczyna-sie-od-dobrego-wyboru\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ed9t s\u1ef1 l\u1ef1a ch\u1ecdn \u0111\u00fang \u0111\u1eafn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch, ki\u1ec3m tra th\u00f4ng tin, ng\u00e0y th\u00e1ng, ph\u1ea1m vi \u00e1p d\u1ee5ng v\u00e0 phi\u00ean b\u1ea3n, sau \u0111\u00f3 \u0111\u1ecdc k\u1ef9 c\u00e1c quy \u0111\u1ecbnh c\u1ea7n tu\u00e2n th\u1ee7 sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra. \u0110\u1eebng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m hay c\u00e1c th\u00f4ng s\u1ed1 k\u1ef9 thu\u1eadt trong t\u00e0i li\u1ec7u \u0111\u00e3 l\u1ed7i th\u1eddi \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh. <strong>C\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 c\u1ea7n ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf v\u00e0 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u1ec3 tr\u00f4ng \u0111\u1eb9p m\u1eaft trong ph\u1ea7n t\u00f3m t\u1eaft c\u1ee7a bi\u1ec3u m\u1eabu.<\/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 c\u00f4ng d\u00e2n Ukraine \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan, h\u00e3y s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh v\u00e0 bi\u1ec3u m\u1eabu mua h\u00e0ng. Tr\u01b0\u1edbc khi thanh to\u00e1n, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u00f4ng tin \u0111\u00e3 nh\u1eadp v\u00e0o bi\u1ec3u m\u1eabu kh\u1edbp v\u1edbi th\u00f4ng tin tr\u00ean gi\u1ea5y t\u1edd t\u00f9y th\u00e2n, \u0111\u1ed3ng th\u1eddi ki\u1ec3m tra l\u1ea1i th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/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\/\">T\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m d\u00e0nh cho c\u00f4ng d\u00e2n Ukraine \u0111ang c\u01b0 tr\u00fa ho\u1eb7c t\u1ea1m tr\u00fa t\u1ea1i Ba Lan c\u1ea7n \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n. N\u1ebfu\u2026<\/p>","protected":false},"author":1,"featured_media":4285,"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":[45],"tags":[87,86,50,85,88],"class_list":["post-4286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rodzaje-polis-dla-cudzoziemcow","tag-koszty-leczenia-ukraina-polska","tag-polisa-dla-obywatela-ukrainy","tag-ubezpieczenie-cudzoziemca","tag-ubezpieczenie-dla-ukrainca-w-polsce","tag-zakres-i-wylaczenia-polisy"],"acf":[],"yoast_head":"<!-- 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