{"id":4289,"date":"2026-10-21T19:20:57","date_gmt":"2026-10-21T17:20:57","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/?p=4289"},"modified":"2026-10-21T19:20:57","modified_gmt":"2026-10-21T17:20:57","slug":"bi-tu-choi-chi-tra-theo-hop-dong-bao-hiem-kl-lam-the-nao-de-khieu-nai","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/jak-zglosic-szkode-i-uzyskac-pomoc-medyczna\/odmowa-wyplaty-z-polisy-kl-jak-sie-odwolac\/","title":{"rendered":"B\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL \u2013 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 khi\u1ebfu n\u1ea1i?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 quy\u1ec1n l\u1ee3i t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 v\u1ee5 vi\u1ec7c \u0111\u00e3 k\u1ebft th\u00fac. Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n x\u00e1c \u0111\u1ecbnh xem c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3n \u0111\u1ed1i ch\u00ednh s\u1ef1 ki\u1ec7n x\u1ea3y ra, m\u1ed1i li\u00ean h\u1ec7 c\u1ee7a s\u1ef1 ki\u1ec7n \u0111\u00f3 v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c n\u1ed9p hay m\u1ee9c chi ph\u00ed hay kh\u00f4ng. Ch\u1ec9 khi \u0111\u00f3, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m m\u1edbi c\u00f3 th\u1ec3 ph\u1ea3n h\u1ed3i c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi c\u00e1c l\u1eadp lu\u1eadn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, thay v\u00ec g\u1eedi m\u1ed9t l\u00e1 th\u01b0 chung chung y\u00eau c\u1ea7u thay \u0111\u1ed5i quy\u1ebft \u0111\u1ecbnh.<\/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\"><strong>Vi\u1ec7c t\u1eeb ch\u1ed1i ph\u1ea3i \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o b\u1eb1ng v\u0103n b\u1ea3n<\/strong> v\u00e0 n\u00eau r\u00f5 c\u00e1c t\u00ecnh ti\u1ebft c\u0169ng nh\u01b0 c\u01a1 s\u1edf ph\u00e1p l\u00fd l\u00e0m c\u0103n c\u1ee9 cho quan \u0111i\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi quy\u1ebft \u0111\u1ecbnh \u0111\u00f3, h\u00e3y chu\u1ea9n b\u1ecb \u0111\u01a1n khi\u1ebfu n\u1ea1i d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u, c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u00e0 n\u1ed9i dung c\u1ee7a quy\u1ebft \u0111\u1ecbnh \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c. <strong>\u0110\u01a1n kh\u00e1ng c\u00e1o b\u1eb1ng v\u0103n b\u1ea3n, \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y m\u1ed9t c\u00e1ch c\u00f3 h\u1ec7 th\u1ed1ng<\/strong> gi\u00fap b\u1ea1n n\u00eau r\u00f5 ch\u00ednh x\u00e1c nh\u1eefng g\u00ec b\u1ea1n y\u00eau c\u1ea7u v\u00e0 l\u00fd do t\u1ea1i sao.<\/p>\n\n<\/div><\/div>\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=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#co-oznacza-odmowa\">Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a g\u00ec?<\/a><\/li>\n\n\n<li><a href=\"#analiza-decyzji\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ph\u00e2n t\u00edch quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n<li><a href=\"#reklamacja-krok-po-kroku\">C\u00e1ch vi\u1ebft \u0111\u01a1n khi\u1ebfu n\u1ea1i t\u1eebng b\u01b0\u1edbc m\u1ed9t<\/a><\/li>\n\n\n<li><a href=\"#terminy\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng m\u1ed1c th\u1eddi gian n\u00e0o<\/a><\/li>\n\n\n<li><a href=\"#dalsze-kroki\">Ph\u1ea3i l\u00e0m g\u00ec khi khi\u1ebfu n\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn<\/a><\/li>\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-oznacza-odmowa\">Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c t\u1eeb ch\u1ed1i c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho to\u00e0n b\u1ed9 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng ho\u1eb7c ch\u1ec9 m\u1ed9t ph\u1ea7n c\u1ee7a y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 \u0111\u01b0\u1ee3c n\u1ed9p. Do \u0111\u00f3, kh\u00f4ng n\u00ean ch\u1ec9 d\u1eebng l\u1ea1i \u1edf t\u1eeb \u201et\u1eeb ch\u1ed1i\u201d m\u00e0 th\u00f4i. <strong>H\u00e3y xem x\u00e9t c\u1ee5 th\u1ec3 nh\u1eefng g\u00ec \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn<\/strong>: li\u1ec7u v\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi s\u1ef1 vi\u1ec7c, chi ph\u00ed c\u1ee5 th\u1ec3, t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c xu\u1ea5t tr\u00ecnh hay m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4ng ty b\u1ea3o hi\u1ec3m, n\u1ebfu cho r\u1eb1ng kh\u00f4ng c\u00f3 quy\u1ec1n h\u01b0\u1edfng kho\u1ea3n tr\u1ee3 c\u1ea5p ho\u1eb7c m\u1ee9c tr\u1ee3 c\u1ea5p ph\u1ea3i \u0111\u01b0\u1ee3c chi tr\u1ea3 kh\u00e1c v\u1edbi m\u1ee9c \u0111\u00e3 y\u00eau c\u1ea7u, ph\u1ea3i n\u00eau r\u00f5 b\u1eb1ng v\u0103n b\u1ea3n c\u00e1c t\u00ecnh ti\u1ebft v\u00e0 c\u01a1 s\u1edf ph\u00e1p l\u00fd cho vi\u1ec7c t\u1eeb ch\u1ed1i to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n. Th\u00f4ng b\u00e1o n\u00e0y ph\u1ea3i bao g\u1ed3m h\u01b0\u1edbng d\u1eabn v\u1ec1 kh\u1ea3 n\u0103ng kh\u1edfi ki\u1ec7n t\u1ea1i t\u00f2a \u00e1n. Trong tr\u01b0\u1eddng h\u1ee3p ph\u1ea3n h\u1ed3i t\u1eeb ch\u1ed1i khi\u1ebfu n\u1ea1i, c\u1ea7n ph\u1ea3i h\u01b0\u1edbng d\u1eabn th\u00eam v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p kh\u00e1ng c\u00e1o c\u00f3 s\u1eb5n, bao g\u1ed3m c\u1ea3 kh\u1ea3 n\u0103ng nh\u1edd s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a Thanh tra T\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady <strong>l\u00fd do v\u00e0 c\u0103n c\u1ee9 t\u1eeb ch\u1ed1i<\/strong> x\u00e1c \u0111\u1ecbnh ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m. N\u1ebfu quy\u1ebft \u0111\u1ecbnh tham chi\u1ebfu \u0111\u1ebfn m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), h\u00e3y \u0111\u1ecdc to\u00e0n b\u1ed9 n\u1ed9i dung \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh c\u00f9ng v\u1edbi c\u00e1c \u0111\u1ecbnh ngh\u0129a v\u00e0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan. \u0110\u1eebng cho r\u1eb1ng m\u1ed9t thu\u1eadt ng\u1eef ho\u1eb7c th\u1ee7 t\u1ee5c trong m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u00f3 \u00e1p d\u1ee5ng cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 s\u1ea3n ph\u1ea9m Compensa Cudzoziemiec theo phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) n\u0103m 2026. Trong \u0111i\u1ec1u kho\u1ea3n li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan, ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf. \u0110i\u1ec1u n\u00e0y \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. <strong>\u0110i\u1ec1u kho\u1ea3n n\u00e0y li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh c\u1ee7a Compensa<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL hi\u1ec7n c\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"analiza-decyzji\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ph\u00e2n t\u00edch quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c thu th\u1eadp m\u1ed9t b\u1ed9 h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7. B\u1ed9 h\u1ed3 s\u01a1 n\u00e0y c\u1ea7n bao g\u1ed3m: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u00e1p d\u1ee5ng cho ng\u00e0y v\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng t\u01b0\u01a1ng \u1ee9ng, th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1, c\u00e1c th\u01b0 t\u1eeb li\u00ean quan, b\u1eb1ng ch\u1ee9ng \u0111\u00e3 n\u1ed9p v\u00e0 quy\u1ebft \u0111\u1ecbnh. N\u1ebfu m\u1ed9t ph\u1ea7n t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c g\u1eedi qua nhi\u1ec1u tin nh\u1eafn, h\u00e3y s\u1eafp x\u1ebfp ch\u00fang theo th\u1ee9 t\u1ef1 ng\u00e0y th\u00e1ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y so s\u00e1nh n\u1ed9i dung c\u1ee7a quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i v\u1edbi nh\u1eefng g\u00ec \u0111\u00e3 th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c khai b\u00e1o. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) t\u01b0\u01a1ng \u1ee9ng l\u00e0 c\u01a1 s\u1edf tham chi\u1ebfu<\/strong> \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o v\u1ec7 v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean. Ch\u1ec9 t\u00ean s\u1ea3n ph\u1ea9m th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7, v\u00ec c\u00e1c v\u0103n b\u1ea3n c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 quy \u0111\u1ecbnh c\u00e1c th\u1eddi h\u1ea1n v\u00e0 th\u1ee7 t\u1ee5c kh\u00e1c nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y chu\u1ea9n b\u1ecb m\u1ed9t b\u00e0i ph\u00e1t bi\u1ec3u ng\u1eafn <strong>th\u1ee9 t\u1ef1 th\u1eddi gian c\u1ee7a c\u00e1c s\u1ef1 ki\u1ec7n v\u00e0 th\u01b0 t\u1eeb<\/strong>. Ghi l\u1ea1i ng\u00e0y x\u1ea3y ra s\u1ef1 ki\u1ec7n, ng\u00e0y n\u1ed9p \u0111\u01a1n, c\u00e1c m\u1ed1c th\u1eddi gian n\u1ed9p h\u1ed3 s\u01a1, c\u00e1c y\u00eau c\u1ea7u b\u1ed5 sung t\u00e0i li\u1ec7u (n\u1ebfu c\u00f3) v\u00e0 ng\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o t\u1eeb ch\u1ed1i. C\u00e1ch s\u1eafp x\u1ebfp n\u00e0y gi\u00fap ph\u00e1t hi\u1ec7n xem c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 b\u1ecf s\u00f3t t\u00e0i li\u1ec7u n\u00e0o hay \u0111\u00e3 c\u0103n c\u1ee9 v\u00e0o t\u00ecnh ti\u1ebft th\u1ef1c t\u1ebf kh\u00e1c hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa d\u00e0nh cho Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026, quy \u0111\u1ecbnh r\u00f5 ngh\u0129a v\u1ee5 th\u00f4ng b\u00e1o v\u1ec1 s\u1ef1 c\u1ed1 trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb khi x\u1ea3y ra tai n\u1ea1n. Trong tr\u01b0\u1eddng h\u1ee3p t\u00ecnh tr\u1ea1ng c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng cho ph\u00e9p th\u1ef1c hi\u1ec7n vi\u1ec7c th\u00f4ng b\u00e1o, th\u1eddi h\u1ea1n n\u00e0y \u0111\u01b0\u1ee3c t\u00ednh k\u1ec3 t\u1eeb khi tr\u1edf ng\u1ea1i \u0111\u00f3 ch\u1ea5m d\u1ee9t. C\u00f9ng b\u1ed9 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m n\u00e0y c\u0169ng y\u00eau c\u1ea7u ph\u1ea3i n\u1ed9p 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 b\u1ea3o qu\u1ea3n ch\u1ee9ng c\u1ee9. C\u00e1c t\u00e0i li\u1ec7u b\u1ed5 sung c\u1ea7n thi\u1ebft cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 s\u1ebd \u0111\u01b0\u1ee3c Compensa ch\u1ec9 \u0111\u1ecbnh sau khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o. \u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 cho th\u1ea5y t\u1ea1i sao tr\u01b0\u1edbc khi vi\u1ebft \u0111\u01a1n khi\u1ebfu n\u1ea1i, b\u1ea1n c\u1ea7n ki\u1ec3m tra k\u1ef9 t\u00e0i li\u1ec7u \u0111i k\u00e8m v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y vi\u1ebft ra tr\u00ean m\u1ed9t t\u1edd gi\u1ea5y ri\u00eang <strong>y\u00eau c\u1ea7u khi\u1ebfu n\u1ea1i r\u00f5 r\u00e0ng<\/strong>. \u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 vi\u1ec7c xem x\u00e9t l\u1ea1i v\u1ee5 vi\u1ec7c v\u00e0 chi tr\u1ea3 kho\u1ea3n tr\u1ee3 c\u1ea5p theo th\u1ecfa thu\u1eadn, ho\u1eb7c s\u1eeda \u0111\u1ed5i m\u1ed9t ph\u1ea7n c\u1ee7a quy\u1ebft \u0111\u1ecbnh. Y\u00eau c\u1ea7u ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n trong c\u00e1c t\u00e0i li\u1ec7u \u0111\u00e3 thu th\u1eadp; \u0111\u1eebng th\u00eam v\u00e0o nh\u1eefng s\u1ef1 ki\u1ec7n m\u00e0 b\u1ea1n kh\u00f4ng th\u1ec3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"reklamacja-krok-po-kroku\">C\u00e1ch vi\u1ebft \u0111\u01a1n khi\u1ebfu n\u1ea1i t\u1eebng b\u01b0\u1edbc m\u1ed9t<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u01a1n khi\u1ebfu n\u1ea1i n\u00eau r\u00f5 c\u00e1c \u00fd ki\u1ebfn ph\u1ea3n \u0111\u1ed1i \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 do c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng \u0111\u1ecbnh ngh\u0129a theo lu\u1eadt v\u1ec1 khi\u1ebfu n\u1ea1i. Quy\u1ec1n n\u1ed9p khi\u1ebfu n\u1ea1i n\u00e0y thu\u1ed9c v\u1ec1 kh\u00e1ch h\u00e0ng l\u00e0 c\u00e1 nh\u00e2n, bao g\u1ed3m nh\u01b0ng kh\u00f4ng gi\u1edbi h\u1ea1n \u1edf ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng theo h\u1ee3p \u0111\u1ed3ng. C\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt kh\u00f4ng quy \u0111\u1ecbnh t\u01b0 c\u00e1ch n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o qu\u1ed1c t\u1ecbch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong ph\u1ea7n ti\u00eau \u0111\u1ec1, h\u00e3y ghi r\u00f5 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi g\u1eedi v\u0103n b\u1ea3n, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, s\u1ed1 v\u1ee5 tai n\u1ea1n v\u00e0 ng\u00e0y ban h\u00e0nh quy\u1ebft \u0111\u1ecbnh b\u1ecb khi\u1ebfu n\u1ea1i. Trong \u0111o\u1ea1n \u0111\u1ea7u ti\u00ean, h\u00e3y n\u00eau r\u00f5 r\u1eb1ng <strong>b\u1ea1n g\u1eedi v\u0103n b\u1ea3n khi\u1ebfu n\u1ea1i<\/strong> v\u00e0 n\u00eau r\u00f5 y\u00eau c\u1ea7u c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y tr\u00ecnh b\u00e0y v\u1ea5n \u0111\u1ec1 theo tr\u00ecnh t\u1ef1 \u0111\u01a1n gi\u1ea3n nh\u01b0 sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsreklamacja-checklista:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsreklamacja-checklista 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-itemsreklamacja-checklista ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsreklamacja-checklista .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsreklamacja-checklista ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsreklamacja-checklista 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-itemsreklamacja-checklista ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsreklamacja-checklista .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsreklamacja-checklista ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsreklamacja-checklista .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsreklamacja-checklista 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-reklamacja-krok-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-reklamacja-krok-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-reklamacja-krok-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\">H\u00e3y m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c m\u00e0 kh\u00f4ng \u0111\u01b0a ra \u0111\u00e1nh gi\u00e1 hay nh\u1eefng chi ti\u1ebft kh\u00f4ng c\u1ea7n thi\u1ebft;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-reklamacja-krok-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-reklamacja-krok-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-reklamacja-krok-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\">H\u00e3y n\u00eau r\u00f5 th\u1eddi \u0111i\u1ec3m v\u00e0 c\u00e1ch th\u1ee9c m\u00e0 v\u1ee5 vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-reklamacja-krok-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-reklamacja-krok-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-reklamacja-krok-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\">li\u1ec7t k\u00ea c\u00e1c t\u00e0i li\u1ec7u quan tr\u1ecdng nh\u1ea5t \u0111\u00e3 \u0111\u01b0\u1ee3c chuy\u1ec3n giao;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-reklamacja-krok-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-reklamacja-krok-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-reklamacja-krok-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\">H\u00e3y n\u00eau r\u00f5 l\u00fd do t\u1eeb ch\u1ed1i;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-reklamacja-krok-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-reklamacja-krok-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-reklamacja-krok-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\">H\u00e3y gi\u1ea3i th\u00edch xem b\u1ea1n kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi \u0111i\u1ec1u g\u00ec;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-reklamacja-krok-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-reklamacja-krok-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-reklamacja-krok-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\">li\u00ean h\u1ec7 l\u1eadp lu\u1eadn \u0111\u00f3 v\u1edbi m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng ho\u1eb7c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-reklamacja-krok-7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-reklamacja-krok-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-reklamacja-krok-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\">Vui l\u00f2ng \u0111\u00ednh k\u00e8m c\u00e1c t\u1ec7p \u0111\u00ednh k\u00e8m v\u00e0 y\u00eau c\u1ea7u ph\u1ea3n h\u1ed3i v\u1ec1 \u0111\u1ecba ch\u1ec9 \u0111\u00e3 ch\u1ec9 \u0111\u1ecbnh.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 ch\u1ec9 \u0111\u01a1n thu\u1ea7n kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 l\u00e0 b\u1ea5t c\u00f4ng. C\u00e1ch ti\u1ebfp c\u1eadn hi\u1ec7u qu\u1ea3 h\u01a1n l\u00e0 tr\u00ecnh b\u00e0y: l\u1eadp lu\u1eadn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, n\u1ed9i dung t\u00e0i li\u1ec7u ph\u1ea3n b\u00e1c l\u1eadp lu\u1eadn \u0111\u00f3, v\u00e0 k\u1ebft lu\u1eadn. N\u1ebfu vi\u1ec7c t\u1eeb ch\u1ed1i \u0111\u01b0\u1ee3c l\u00fd gi\u1ea3i l\u00e0 do thi\u1ebfu t\u00e0i li\u1ec7u, c\u1ea7n n\u00eau r\u00f5 ng\u00e0y th\u00e1ng v\u00e0 k\u00eanh g\u1eedi t\u00e0i li\u1ec7u \u0111\u00f3, sau \u0111\u00f3 \u0111\u00ednh k\u00e8m b\u1ea3n sao ho\u1eb7c x\u00e1c nh\u1eadn \u0111\u00e3 g\u1eedi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi\u1ebfu n\u1ea1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c n\u1ed9p b\u1eb1ng v\u0103n b\u1ea3n \u2013 d\u01b0\u1edbi d\u1ea1ng b\u1ea3n gi\u1ea5y ho\u1eb7c b\u1ea3n \u0111i\u1ec7n t\u1eed \u2013 c\u0169ng nh\u01b0 b\u1eb1ng l\u1eddi n\u00f3i: qua \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c tr\u1ef1c ti\u1ebfp \u0111\u1ec3 \u0111\u01b0\u1ee3c ghi v\u00e0o bi\u00ean b\u1ea3n. B\u1ea5t k\u1ec3 h\u00ecnh th\u1ee9c n\u00e0o \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn, <strong>l\u01b0u l\u1ea1i bi\u00ean nh\u1eadn \u0111\u00e3 n\u1ed9p<\/strong> v\u00e0 b\u1ea3n sao to\u00e0n b\u1ed9 n\u1ed9i dung k\u00e8m theo c\u00e1c t\u1ec7p \u0111\u00ednh k\u00e8m. Trong tr\u01b0\u1eddng h\u1ee3p trao \u0111\u1ed5i qua \u0111i\u1ec7n tho\u1ea1i, h\u00e3y ghi l\u1ea1i ng\u00e0y, gi\u1edd v\u00e0 s\u1ed1 h\u1ed3 s\u01a1 (n\u1ebfu c\u00f3).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea3n h\u1ed3i v\u1ec1 khi\u1ebfu n\u1ea1i c\u1ea7n bao g\u1ed3m <strong>c\u01a1 s\u1edf th\u1ef1c t\u1ebf v\u00e0 ph\u00e1p l\u00fd<\/strong>, quan \u0111i\u1ec3m \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 c\u00e1c \u00fd ki\u1ebfn ph\u1ea3n \u0111\u1ed1i v\u00e0 ch\u1ec9 r\u00f5 c\u00e1c \u0111o\u1ea1n v\u0103n b\u1ea3n t\u01b0\u01a1ng \u1ee9ng trong h\u1ee3p \u0111\u1ed3ng ho\u1eb7c m\u1eabu h\u1ee3p \u0111\u1ed3ng. N\u1ebfu khi\u1ebfu n\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn, v\u0103n b\u1ea3n tr\u1ea3 l\u1eddi c\u0169ng c\u1ea7n th\u00f4ng b\u00e1o v\u1ec1 th\u1ee7 t\u1ee5c kh\u00e1ng c\u00e1o theo quy \u0111\u1ecbnh, c\u00e1c ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p th\u00e2n thi\u1ec7n hi\u1ec7n c\u00f3, kh\u1ea3 n\u0103ng khi\u1ebfu n\u1ea1i l\u00ean Thanh tra T\u00e0i ch\u00ednh v\u00e0 con \u0111\u01b0\u1eddng t\u1ed1 t\u1ee5ng t\u1ea1i t\u00f2a \u00e1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"terminy\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng m\u1ed1c th\u1eddi gian n\u00e0o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 l\u1eddi khi\u1ebfu n\u1ea1i m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1eadm tr\u1ec5 m\u1ed9t c\u00e1ch kh\u00f4ng c\u1ea7n thi\u1ebft, ch\u1eadm nh\u1ea5t l\u00e0 trong v\u00f2ng 30 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c khi\u1ebfu n\u1ea1i. \u0110\u1ec3 tu\u00e2n th\u1ee7 th\u1eddi h\u1ea1n n\u00e0y, ch\u1ec9 c\u1ea7n g\u1eedi ph\u1ea3n h\u1ed3i tr\u01b0\u1edbc khi th\u1eddi h\u1ea1n \u0111\u00f3 k\u1ebft th\u00fac l\u00e0 \u0111\u1ee7. <strong>Th\u1eddi h\u1ea1n 30 ng\u00e0y \u00e1p d\u1ee5ng cho vi\u1ec7c tr\u1ea3 l\u1eddi khi\u1ebfu n\u1ea1i<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 th\u1eddi h\u1ea1n chung \u0111\u1ec3 n\u1ed9p t\u1eebng \u0111\u01a1n kh\u00e1ng c\u00e1o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t ph\u1ee9c t\u1ea1p, c\u00e2u tr\u1ea3 l\u1eddi c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra mu\u1ed9n h\u01a1n, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c mu\u1ed9n h\u01a1n 60 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c khi\u1ebfu n\u1ea1i. Khi \u0111\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i gi\u1ea3i th\u00edch l\u00fd do ch\u1eadm tr\u1ec5, n\u00eau r\u00f5 c\u00e1c t\u00ecnh ti\u1ebft c\u1ea7n l\u00e0m r\u00f5 v\u00e0 th\u00f4ng b\u00e1o th\u1eddi h\u1ea1n d\u1ef1 ki\u1ebfn \u0111\u1ec3 tr\u1ea3 l\u1eddi. <strong>Vi\u1ec7c gia h\u1ea1n th\u1eddi h\u1ea1n l\u00ean \u0111\u1ebfn 60 ng\u00e0y ph\u1ea3i c\u00f3 l\u00fd do ch\u00ednh \u0111\u00e1ng<\/strong>; b\u1ea3n th\u00e2n th\u00f4ng tin v\u1ec1 vi\u1ec7c ti\u1ebfp t\u1ee5c ph\u00e2n t\u00edch kh\u00f4ng bao qu\u00e1t h\u1ebft c\u00e1c ngh\u0129a v\u1ee5 \u0111\u00e3 n\u00eau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu kh\u00f4ng tu\u00e2n th\u1ee7 th\u1eddi h\u1ea1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt, khi\u1ebfu n\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft <strong>theo y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng<\/strong>. V\u00ec v\u1eady, b\u1ea1n n\u00ean gi\u1eef l\u1ea1i bi\u00ean nh\u1eadn x\u00e1c nh\u1eadn \u0111\u00e3 nh\u1eadn, v\u00ec th\u1eddi h\u1ea1n \u0111\u1ec3 tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c t\u00ednh t\u1eeb ng\u00e0y \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng nh\u1ea7m l\u1eabn th\u1eddi h\u1ea1n khi\u1ebfu n\u1ea1i v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a KLC UNIQA n\u0103m 2020, quy \u0111\u1ecbnh r\u1eb1ng ph\u1ea3i g\u1eedi v\u0103n b\u1ea3n khi\u1ebfu n\u1ea1i trong v\u00f2ng 30 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o t\u1eeb ch\u1ed1i ho\u1eb7c th\u00f4ng b\u00e1o v\u1ec1 m\u1ee9c chi tr\u1ea3 ho\u1eb7c b\u1ed3i th\u01b0\u1eddng. \u0110\u00e2y l\u00e0 th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong phi\u00ean b\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m n\u00e0y, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean t\u1eafc ph\u00e1p l\u00fd chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n l\u01b0u \u00fd \u0111\u1ebfn th\u1eddi hi\u1ec7u. C\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, v\u1ec1 nguy\u00ean t\u1eafc, bao g\u1ed3m <strong>th\u1eddi hi\u1ec7u ba n\u0103m<\/strong>. Vi\u1ec7c th\u00f4ng b\u00e1o v\u1ec1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ho\u1eb7c s\u1ef1 ki\u1ec7n s\u1ebd l\u00e0m gi\u00e1n \u0111o\u1ea1n th\u1eddi hi\u1ec7u. Th\u1eddi hi\u1ec7u s\u1ebd b\u1eaft \u0111\u1ea7u t\u00ednh l\u1ea1i t\u1eeb ng\u00e0y ng\u01b0\u1eddi th\u00f4ng b\u00e1o v\u1ec1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ho\u1eb7c s\u1ef1 ki\u1ec7n <strong>\u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3n tuy\u00ean b\u1ed1 b\u1eb1ng v\u0103n b\u1ea3n<\/strong> c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 vi\u1ec7c ch\u1ea5p thu\u1eadn ho\u1eb7c t\u1eeb ch\u1ed1i chi tr\u1ea3 quy\u1ec1n l\u1ee3i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi h\u1ea1n chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 ri\u00eang bi\u1ec7t. Theo nguy\u00ean t\u1eafc chung, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 30 ng\u00e0y k\u1ec3 t\u1eeb khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 v\u1ee5 tai n\u1ea1n. N\u1ebfu trong th\u1eddi gian n\u00e0y kh\u00f4ng th\u1ec3 l\u00e0m r\u00f5 c\u00e1c t\u00ecnh ti\u1ebft c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m ho\u1eb7c m\u1ee9c b\u1ed3i th\u01b0\u1eddng, vi\u1ec7c chi tr\u1ea3 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb th\u1eddi \u0111i\u1ec3m c\u00f3 th\u1ec3 l\u00e0m r\u00f5 c\u00e1c t\u00ecnh ti\u1ebft \u0111\u00f3 v\u1edbi s\u1ef1 c\u1ea9n tr\u1ecdng c\u1ea7n thi\u1ebft. <strong>Ph\u1ea7n kh\u00f4ng c\u00f3 tranh ch\u1ea5p ph\u1ea3i \u0111\u01b0\u1ee3c thanh to\u00e1n trong v\u00f2ng 30 ng\u00e0y<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dalsze-kroki\">Ph\u1ea3i l\u00e0m g\u00ec khi khi\u1ebfu n\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eabn gi\u1eef nguy\u00ean quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i, h\u00e3y \u0111\u1ecdc ph\u1ea7n h\u01b0\u1edbng d\u1eabn trong th\u01b0 tr\u1ea3 l\u1eddi. Ph\u1ea7n n\u00e0y c\u00f3 th\u1ec3 n\u00eau r\u00f5 kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng th\u1ee7 t\u1ee5c khi\u1ebfu n\u1ea1i n\u1ed9i b\u1ed9, th\u1ee7 t\u1ee5c khi\u1ebfu n\u1ea1i tr\u01b0\u1edbc Thanh tra T\u00e0i ch\u00ednh ho\u1eb7c kh\u1edfi ki\u1ec7n ra t\u00f2a. Vi\u1ec7c l\u1ef1a ch\u1ecdn h\u01b0\u1edbng x\u1eed l\u00fd ti\u1ebfp theo ph\u1ee5 thu\u1ed9c v\u00e0o n\u1ed9i dung c\u00e1c t\u00e0i li\u1ec7u, gi\u00e1 tr\u1ecb tranh ch\u1ea5p v\u00e0 b\u1ea3n ch\u1ea5t c\u1ee7a s\u1ef1 b\u1ea5t \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ee7 t\u1ee5c h\u00f2a gi\u1ea3i t\u1ea1i V\u0103n ph\u00f2ng Thanh tra T\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c kh\u1edfi x\u01b0\u1edbng theo y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. <strong>Vi\u1ec7c \u0111\u00e3 s\u1eed d\u1ee5ng h\u1ebft c\u00e1c th\u1ee7 t\u1ee5c khi\u1ebfu n\u1ea1i tr\u01b0\u1edbc \u0111\u00f3<\/strong> \u0110i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng, b\u1edfi v\u00ec vi\u1ec7c ch\u01b0a s\u1eed d\u1ee5ng h\u1ebft quy\u1ec1n n\u00e0y l\u00e0 m\u1ed9t trong nh\u1eefng c\u0103n c\u1ee9 \u0111\u1ec3 t\u1eeb ch\u1ed1i xem x\u00e9t tranh ch\u1ea5p. K\u00e8m theo \u0111\u01a1n ph\u1ea3i c\u00f3 b\u1ea3n t\u01b0\u1eddng tr\u00ecnh v\u1ec1 c\u00e1c t\u00ecnh ti\u1ebft, th\u00f4ng tin v\u1ec1 di\u1ec5n bi\u1ebfn tranh ch\u1ea5p cho \u0111\u1ebfn nay v\u00e0 b\u1ea3n sao c\u00e1c t\u00e0i li\u1ec7u hi\u1ec7n c\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lu\u1eadt n\u00e0y quy \u0111\u1ecbnh <strong>m\u1ed9t kho\u1ea3n ph\u00ed tr\u1ecb gi\u00e1 50 z\u0142<\/strong> \u0111\u1ed1i v\u1edbi \u0111\u01a1n y\u00eau c\u1ea7u nh\u01b0 v\u1eady, v\u1edbi kh\u1ea3 n\u0103ng mi\u1ec5n tr\u1eeb trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u00f3 l\u00fd do \u0111\u1eb7c bi\u1ec7t ch\u00ednh \u0111\u00e1ng. Vi\u1ec7c kh\u1edfi x\u01b0\u1edbng \u0111\u00fang quy tr\u00ecnh gi\u1ea3i quy\u1ebft tranh ch\u1ea5p ti\u00eau d\u00f9ng ngo\u00e0i t\u00f2a \u00e1n s\u1ebd l\u00e0m gi\u00e1n \u0111o\u1ea1n th\u1eddi hi\u1ec7u, v\u00e0 th\u1eddi hi\u1ec7u n\u00e0y s\u1ebd kh\u00f4ng b\u1eaft \u0111\u1ea7u t\u00ednh l\u1ea1i cho \u0111\u1ebfn khi th\u1ee7 t\u1ee5c k\u1ebft th\u00fac. Tuy nhi\u00ean, k\u1ebft qu\u1ea3 c\u1ee7a th\u1ee7 t\u1ee5c n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 \u0111i\u1ec1u \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh tr\u01b0\u1edbc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi g\u1eedi \u0111\u01a1n, h\u00e3y chu\u1ea9n b\u1ecb <strong>M\u00f4 t\u1ea3 v\u1ee5 vi\u1ec7c v\u00e0 b\u1ed9 h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7<\/strong>: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m (OWU) c\u00f3 li\u00ean quan, \u0111\u01a1n th\u00f4ng b\u00e1o, \u0111\u01a1n khi\u1ebfu n\u1ea1i, b\u1eb1ng ch\u1ee9ng v\u1ec1 vi\u1ec7c g\u1eedi \u0111\u01a1n, ph\u1ea3n h\u1ed3i c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c b\u1eb1ng ch\u1ee9ng x\u00e1c nh\u1eadn y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. H\u00e3y gi\u1eef l\u1ea1i b\u1ea3n g\u1ed1c v\u00e0 ch\u1ec9 n\u1ed9p b\u1ea3n sao, tr\u1eeb khi th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 \u0111\u00f3 c\u00f3 quy \u0111\u1ecbnh kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang trong qu\u00e1 tr\u00ecnh chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd, th\u00ec \u0111i\u1ec1u n\u00e0y s\u1ebd r\u1ea5t h\u1eefu \u00edch <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/lam-the-nao-de-bao-cao-thiet-hai-va-nhan-duoc-su-tro-giup-y-te\/thong-bao-boi-thuong-bao-hiem-kl-huong-dan-tung-buoc\/\">H\u01b0\u1edbng d\u1eabn khai b\u00e1o t\u1ed5n th\u1ea5t b\u1ea3o hi\u1ec3m KL<\/a>. B\u1ea1n c\u0169ng n\u00ean xem th\u00eam <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/lam-the-nao-de-bao-cao-thiet-hai-va-nhan-duoc-su-tro-giup-y-te\/dieu-tri-khong-dung-tien-mat-hoat-dong-nhu-the-nao-trong-thuc-te\/\">C\u00e1c nguy\u00ean t\u1eafc thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t trong th\u1ef1c ti\u1ec5n<\/a>, b\u1edfi v\u00ec c\u00e1ch th\u1ee9c t\u1ed5 ch\u1ee9c vi\u1ec7c h\u1ed7 tr\u1ee3 v\u00e0 thanh to\u00e1n c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn b\u1ed9 h\u1ed3 s\u01a1 c\u1ee7a v\u1ee5 vi\u1ec7c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m m\u1edbi, b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o th\u00f4ng tin v\u1ec1 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/bao-hiem\/bao-hiem-cho-nguoi-nuoc-ngoai\/\">b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> v\u00e0 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/bao-hiem\/bao-hiem-cho-the-cu-tru\/\">b\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a>. Tr\u01b0\u1edbc khi mua h\u00e0ng, h\u00e3y \u0111\u1ecdc t\u00e0i li\u1ec7u h\u01b0\u1edbng d\u1eabn d\u00e0nh ri\u00eang cho s\u1ea3n ph\u1ea9m b\u1ea1n \u0111\u00e3 ch\u1ecdn v\u00e0 t\u00ecm hi\u1ec3u quy tr\u00ecnh b\u00e1o c\u00e1o s\u1ef1 c\u1ed1.<\/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 truy c\u1eadp v\u00e0o bi\u1ec3u m\u1eabu tr\u1ef1c tuy\u1ebfn \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\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 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KL tr\u1ef1c tuy\u1ebfn<\/a><\/div>\n\n<\/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\" id=\"czy-cudzoziemiec-moze-zlozyc-reklamacje\">Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 g\u1eedi \u0111\u01a1n khi\u1ebfu n\u1ea1i \u0111\u1ebfn c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00fang v\u1eady, n\u1ebfu v\u1edbi t\u01b0 c\u00e1ch l\u00e0 c\u00e1 nh\u00e2n, ng\u01b0\u1eddi \u0111\u00f3 l\u00e0 b\u00ean mua b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ho\u1eb7c ng\u01b0\u1eddi c\u00f3 quy\u1ec1n l\u1ee3i theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. \u0110\u1ecbnh ngh\u0129a ph\u00e1p l\u00fd v\u1ec1 kh\u00e1ch h\u00e0ng kh\u00f4ng quy \u0111\u1ecbnh quy\u1ec1n l\u1ee3i n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o qu\u1ed1c t\u1ecbch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazde-odwolanie-trzeba-zlozyc-w-ciagu-30-dni\">C\u00f3 ph\u1ea3i m\u1ecdi \u0111\u01a1n kh\u00e1ng c\u00e1o \u0111\u1ec1u ph\u1ea3i \u0111\u01b0\u1ee3c n\u1ed9p trong v\u00f2ng 30 ng\u00e0y kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Th\u1eddi h\u1ea1n 30 ng\u00e0y theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 c\u01a1 b\u1ea3n l\u00e0 th\u1eddi h\u1ea1n m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 l\u1eddi khi\u1ebfu n\u1ea1i. Th\u1eddi h\u1ea1n \u0111\u1ec3 n\u1ed9p \u0111\u01a1n kh\u00e1ng c\u00e1o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) t\u01b0\u01a1ng \u1ee9ng, do \u0111\u00f3 c\u1ea7n ki\u1ec3m tra t\u00e0i li\u1ec7u \u0111i k\u00e8m v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-reklamacje-mozna-wyslac-elektronicznie\">C\u00f3 th\u1ec3 g\u1eedi khi\u1ebfu n\u1ea1i qua \u0111\u01b0\u1eddng \u0111i\u1ec7n t\u1eed kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00fang v\u1eady. C\u00e1c quy \u0111\u1ecbnh cho ph\u00e9p n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i d\u01b0\u1edbi d\u1ea1ng v\u0103n b\u1ea3n, bao g\u1ed3m c\u1ea3 d\u1ea1ng \u0111i\u1ec7n t\u1eed. Ng\u01b0\u1eddi khi\u1ebfu n\u1ea1i c\u0169ng c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n tr\u00ean gi\u1ea5y, b\u1eb1ng l\u1eddi n\u00f3i qua \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c tr\u1ef1c ti\u1ebfp \u0111\u1ec3 \u0111\u01b0\u1ee3c l\u1eadp bi\u00ean b\u1ea3n. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i gi\u1eef l\u1ea1i b\u1ea3n sao \u0111\u01a1n khi\u1ebfu n\u1ea1i v\u00e0 b\u1eb1ng ch\u1ee9ng v\u1ec1 vi\u1ec7c \u0111\u00e3 n\u1ed9p \u0111\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-powinna-zawierac-odpowiedz-odmawiajaca\">Th\u01b0 t\u1eeb ch\u1ed1i ch\u1ea5p nh\u1eadn khi\u1ebfu n\u1ea1i c\u1ea7n bao g\u1ed3m nh\u1eefng n\u1ed9i dung g\u00ec?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">V\u0103n b\u1ea3n n\u00e0y c\u1ea7n n\u00eau r\u00f5 c\u00e1c c\u0103n c\u1ee9 th\u1ef1c t\u1ebf v\u00e0 ph\u00e1p l\u00fd, quan \u0111i\u1ec3m \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 c\u00e1c \u00fd ki\u1ebfn ph\u1ea3n \u0111\u1ed1i, c\u0169ng nh\u01b0 c\u00e1c \u0111o\u1ea1n tr\u00edch ph\u00f9 h\u1ee3p t\u1eeb h\u1ee3p \u0111\u1ed3ng ho\u1eb7c m\u1eabu h\u1ee3p \u0111\u1ed3ng. V\u0103n b\u1ea3n c\u0169ng ph\u1ea3i bao g\u1ed3m h\u01b0\u1edbng d\u1eabn v\u1ec1 c\u00e1c bi\u1ec7n ph\u00e1p ti\u1ebfp theo c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-sie-dzieje-gdy-ubezpieczyciel-nie-odpowie-w-terminie\">\u0110i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng tr\u1ea3 l\u1eddi trong th\u1eddi h\u1ea1n quy \u0111\u1ecbnh?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu kh\u00f4ng tu\u00e2n th\u1ee7 th\u1eddi h\u1ea1n 30 ng\u00e0y theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ho\u1eb7c th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c gia h\u1ea1n h\u1ee3p l\u1ec7 l\u00ean \u0111\u1ebfn 60 ng\u00e0y, khi\u1ebfu n\u1ea1i s\u1ebd \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft theo \u00fd mu\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng. Do \u0111\u00f3, b\u1eb1ng ch\u1ee9ng v\u1ec1 ng\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c khi\u1ebfu n\u1ea1i l\u00e0 r\u1ea5t quan tr\u1ecdng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-postepowanie-polubowne-gwarantuje-wyplate\">Th\u1ee7 t\u1ee5c h\u00f2a gi\u1ea3i c\u00f3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c chi tr\u1ea3 kho\u1ea3n tr\u1ee3 c\u1ea5p kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. \u0110\u00e2y l\u00e0 ph\u01b0\u01a1ng th\u1ee9c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p ngo\u00e0i t\u00f2a \u00e1n, nh\u01b0ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn hay nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n thanh to\u00e1n. Ph\u01b0\u01a1ng th\u1ee9c n\u00e0y cho ph\u00e9p tr\u00ecnh b\u00e0y v\u1ee5 vi\u1ec7c k\u00e8m theo c\u00e1c t\u00e0i li\u1ec7u sau khi \u0111\u00e3 ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c khi\u1ebfu n\u1ea1i.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t \u0111\u01a1n kh\u00e1ng c\u00e1o \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 l\u1eb7p l\u1ea1i y\u00eau c\u1ea7u. \u0110\u01a1n kh\u00e1ng c\u00e1o c\u1ea7n ph\u1ea3i ph\u1ea3n h\u1ed3i l\u00fd do t\u1eeb ch\u1ed1i, tr\u00edch d\u1eabn c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan v\u00e0 d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng. C\u1ea7n l\u01b0u gi\u1eef to\u00e0n b\u1ed9 th\u01b0 t\u1eeb trao \u0111\u1ed5i, tu\u00e2n th\u1ee7 c\u00e1c th\u1eddi h\u1ea1n quy \u0111\u1ecbnh v\u00e0 ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng gi\u1eefa c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU).<\/p>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 quy\u1ec1n l\u1ee3i t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 v\u1ee5 vi\u1ec7c \u0111\u00e3 k\u1ebft th\u00fac. Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n x\u00e1c \u0111\u1ecbnh xem c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3n \u0111\u1ed1i ch\u00ednh s\u1ef1 ki\u1ec7n \u0111\u00f3 hay kh\u00f4ng, c\u0169ng nh\u01b0 m\u1ed1i li\u00ean h\u1ec7 c\u1ee7a n\u00f3 v\u1edbi\u2026<\/p>","protected":false},"author":1,"featured_media":4288,"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":[46],"tags":[90,89,93,91,92],"class_list":["post-4289","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jak-zglosic-szkode-i-uzyskac-pomoc-medyczna","tag-jak-sie-odwolac-od-decyzji","tag-odmowa-wyplaty-z-polisy-kl","tag-odwolanie-od-odmowy","tag-reklamacja-do-ubezpieczyciela","tag-spor-o-koszty-leczenia"],"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>Odmowa wyp\u0142aty z polisy KL \u2013 jak si\u0119 odwo\u0142a\u0107?<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jak przeanalizowa\u0107 odmow\u0119 wyp\u0142aty z polisy KL, przygotowa\u0107 reklamacj\u0119, pilnowa\u0107 termin\u00f3w i wybra\u0107 dalsz\u0105 drog\u0119 dochodzenia roszcze\u0144.\" \/>\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\/lam-the-nao-de-bao-cao-thiet-hai-va-nhan-duoc-su-tro-giup-y-te\/bi-tu-choi-chi-tra-theo-hop-dong-bao-hiem-kl-lam-the-nao-de-khieu-nai\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Odmowa wyp\u0142aty z polisy KL 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