{"id":4292,"date":"2026-10-26T12:48:31","date_gmt":"2026-10-26T11:48:31","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/?p=4292"},"modified":"2026-10-26T12:48:31","modified_gmt":"2026-10-26T11:48:31","slug":"so-tien-bao-hiem-schengen","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/podstawy-ubezpieczenia-kosztow-leczenia-kl\/suma-ubezpieczenia-kl-schengen\/","title":{"rendered":"S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m KL \u2013 b\u1ea1n c\u1ea7n bao nhi\u00eau khi \u0111i du l\u1ecbch Schengen?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">T\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb quy \u0111\u1ecbnh m\u1ee9c t\u1ed1i \u0111a m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. M\u1eb7c d\u00f9 \u0111\u00e2y l\u00e0 m\u1ed9t con s\u1ed1 quan tr\u1ecdng, nh\u01b0ng b\u1ea3n th\u00e2n n\u00f3 kh\u00f4ng \u0111\u1ea3m b\u1ea3o m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 ph\u00f9 h\u1ee3p trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan ho\u1eb7c khi du l\u1ecbch trong khu v\u1ef1c Schengen. \u0110\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 ph\u00f9 h\u1ee3p c\u1ee7a n\u00f3, c\u1ea7n ph\u00e2n t\u00edch trong b\u1ed1i c\u1ea3nh ph\u1ea1m vi l\u00e3nh th\u1ed5, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c thanh to\u00e1n cho c\u00e1c s\u1ef1 c\u1ed1 ti\u1ebfp theo. \u0110i\u1ec1u quan tr\u1ecdng n\u1eefa l\u00e0 vi\u1ec7c l\u1ef1a ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u1ed3 s\u01a1 trong th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa c\u1ee5 th\u1ec3. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1ch \u0111\u00e1nh gi\u00e1 m\u1ee9c b\u1ea3o hi\u1ec3m n\u00e0y, tr\u00e1nh vi\u1ec7c \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh ch\u1ec9 d\u1ef1a tr\u00ean c\u00e1c m\u1ee9c ph\u1ed5 bi\u1ebfn v\u00e0 gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng t\u1ea5t c\u1ea3 c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau.<\/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<h2 class=\"wp-block-heading\" id=\"spis-tresci\">M\u1ee5c l\u1ee5c<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#co-oznacza-suma-ubezpieczenia-kl\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m KL th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-czytac-sume-w-warunkach-polisy\">C\u00e1ch \u0111\u1ecdc m\u1ee5c \u201cT\u1ed5ng s\u1ed1 ti\u1ec1n\u201d trong \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n\n<li><a href=\"#jak-dobrac-sume-do-pobytu-w-schengen\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft cho chuy\u1ebfn \u0111i \u0111\u1ebfn khu v\u1ef1c Schengen<\/a><\/li>\n\n\n\n<li><a href=\"#jak-uniknac-blednej-decyzji\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tr\u00e1nh \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh sai l\u1ea7m<\/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<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-oznacza-suma-ubezpieczenia-kl\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m KL th\u1ef1c s\u1ef1 c\u00f3 \u00fd ngh\u0129a g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong> quy \u0111\u1ecbnh m\u1ee9c tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh t\u1ed1i \u0111a ph\u00e1t sinh t\u1eeb h\u1ee3p \u0111\u1ed3ng. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 s\u1ed1 ti\u1ec1n \u0111\u00f3 s\u1ebd t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c chi tr\u1ea3 sau m\u1ed7i s\u1ef1 c\u1ed1. M\u1ee9c chi tr\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ho\u00e0n c\u1ea3nh c\u1ee7a s\u1ef1 c\u1ed1 c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh cho t\u1eebng lo\u1ea1i h\u1ed7 tr\u1ee3 c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u1ebft lu\u1eadn quan tr\u1ecdng nh\u1ea5t r\u1ea5t \u0111\u01a1n gi\u1ea3n: <strong>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea3m b\u1ea3o vi\u1ec7c chi tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n<\/strong>. \u0110\u00e2y l\u00e0 m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu t\u00e0i li\u1ec7u n\u00e0y c\u00f3 quy \u0111\u1ecbnh c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c m\u1ee9c n\u00e0y c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, b\u1ea5t k\u1ec3 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ch\u00ednh l\u00e0 bao nhi\u00eau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n ph\u00e2n bi\u1ec7t hai v\u1ea5n \u0111\u1ec1. V\u1ea5n \u0111\u1ec1 th\u1ee9 nh\u1ea5t l\u00e0: s\u1ed1 ti\u1ec1n n\u00e0o \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u v\u1ec1 h\u1ed3 s\u01a1 trong th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 n\u00e0y? V\u1ea5n \u0111\u1ec1 th\u1ee9 hai l\u00e0: s\u1ed1 ti\u1ec1n v\u00e0 c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf? C\u00e1c c\u00e2u tr\u1ea3 l\u1eddi kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng d\u1eabn \u0111\u1ebfn c\u00f9ng m\u1ed9t ph\u01b0\u01a1ng \u00e1n. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch c\u1ee5 th\u1ec3<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 hi\u1ec3n th\u1ecb m\u1ed9t con s\u1ed1 tr\u00f4ng quen thu\u1ed9c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang trong qu\u00e1 tr\u00ecnh x\u00e1c \u0111\u1ecbnh lo\u1ea1i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p, h\u00e3y b\u1eaft \u0111\u1ea7u t\u1eeb trang <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>. Khi n\u1ed9p \u0111\u01a1n xin c\u01b0 tr\u00fa d\u00e0i h\u1ea1n, nh\u1eefng th\u00f4ng tin sau \u0111\u00e2y c\u0169ng s\u1ebd r\u1ea5t h\u1eefu \u00edch <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<h2 class=\"wp-block-heading\" id=\"jak-czytac-sume-w-warunkach-polisy\">C\u00e1ch \u0111\u1ecdc m\u1ee5c \u201cT\u1ed5ng s\u1ed1 ti\u1ec1n\u201d trong \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 m\u1ed9t con s\u1ed1 tr\u00ean trang \u0111\u1ea7u c\u1ee7a t\u00e0i li\u1ec7u l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7. Tr\u01b0\u1edbc khi ch\u1ecdn ph\u01b0\u01a1ng \u00e1n, h\u00e3y ki\u1ec3m tra <strong>khu b\u1ea3o t\u1ed3n<\/strong>, th\u1eddi h\u1ea1n c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 c\u00e1ch th\u1ee9c \u00e1p d\u1ee5ng m\u1ee9c gi\u1edbi h\u1ea1n. T\u00ean s\u1ea3n ph\u1ea9m kh\u00f4ng t\u1ef1 \u0111\u1ed9ng x\u00e1c nh\u1eadn r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m bao g\u1ed3m m\u1ecdi qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen. C\u00e1c t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh \u0111\u01b0\u1ee3c cung c\u1ea5p khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng m\u1edbi l\u00e0 c\u01a1 s\u1edf quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"na-osobe-czy-na-cala-umowe\">T\u00ednh theo t\u1eebng ng\u01b0\u1eddi hay t\u00ednh cho to\u00e0n b\u1ed9 h\u1ee3p \u0111\u1ed3ng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">X\u00e1c \u0111\u1ecbnh xem s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh c\u00f3 c\u00f2n hi\u1ec7u l\u1ef1c hay kh\u00f4ng <strong>cho m\u1ed7i ng\u01b0\u1eddi<\/strong>, hay \u00e1p d\u1ee5ng chung cho nhi\u1ec1u ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m h\u01a1n. \u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m bao g\u1ed3m nhi\u1ec1u ng\u01b0\u1eddi, s\u1ef1 kh\u00e1c bi\u1ec7t n\u00e0y c\u00f3 \u00fd ngh\u0129a tr\u1ef1c ti\u1ebfp. C\u0169ng n\u00ean ki\u1ec3m tra xem s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00f3 \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ef1 c\u1ed1 hay cho t\u1ed5ng s\u1ed1 s\u1ef1 c\u1ed1 x\u1ea3y ra trong th\u1eddi gian b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) l\u1ecbch s\u1eed v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u1ee7a Ergo Hestia n\u0103m 2016 quy \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 s\u1ed1 ti\u1ec1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi <strong>cho m\u1ed7i ng\u01b0\u1eddi, cho m\u1ed9t s\u1ef1 ki\u1ec7n v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 ki\u1ec7n<\/strong> trong th\u1eddi gian b\u1ea3o hi\u1ec3m. T\u00e0i li\u1ec7u n\u00e0y khi \u0111\u00f3 ghi r\u00f5 m\u1ee9c 30.000 EUR \u0111\u1ed1i v\u1edbi g\u00f3i STANDARD v\u00e0 50.000 EUR \u0111\u1ed1i v\u1edbi g\u00f3i OPTIMUM. \u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 minh h\u1ecda c\u00e1ch x\u00e1c \u0111\u1ecbnh m\u1ee9c b\u1ea3o hi\u1ec3m trong m\u1ed9t t\u00e0i li\u1ec7u l\u01b0u tr\u1eef c\u1ee5 th\u1ec3 \u2013 n\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 x\u00e1c nh\u1eadn v\u1ec1 g\u00f3i b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i hay y\u00eau c\u1ea7u th\u1ecb th\u1ef1c hi\u1ec7n h\u00e0nh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"suma-glowna-i-podlimity\">T\u1ed5ng ch\u00ednh v\u00e0 c\u00e1c h\u1ea1n m\u1ee9c ph\u1ee5<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra xem c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau c\u00f3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng hay kh\u00f4ng <strong>m\u1ee9c tr\u1ea7n cho t\u1eebng lo\u1ea1i tr\u1ee3 c\u1ea5p<\/strong>. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ch\u00ednh cao kh\u00f4ng lo\u1ea1i tr\u1eeb gi\u1edbi h\u1ea1n th\u1ea5p h\u01a1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh cho m\u1ed9t h\u00ecnh th\u1ee9c h\u1ed7 tr\u1ee3 c\u1ee5 th\u1ec3. Do \u0111\u00f3, \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u1ea7n ph\u1ea3i xem x\u00e9t c\u1ea3 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ch\u00ednh l\u1eabn b\u1ea3ng gi\u1edbi h\u1ea1n ho\u1eb7c c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m (OWU) l\u1ecbch s\u1eed c\u1ee7a Uniqa n\u0103m 2020 quy \u0111\u1ecbnh r\u1eb1ng t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 c\u1ee7a n\u00f3 l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u kho\u1ea3n n\u00e0y c\u0169ng quy \u0111\u1ecbnh r\u1eb1ng <strong>T\u1ed5ng s\u1ed1 ti\u1ec1n c\u00f3 th\u1ec3 gi\u1ea3m d\u1ea7n sau m\u1ed7i l\u1ea7n r\u00fat ti\u1ec1n<\/strong>. V\u00ed d\u1ee5 n\u00e0y kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m hi\u1ec7n c\u00f3, nh\u01b0ng cho th\u1ea5y l\u00fd do t\u1ea1i sao c\u1ea7n ph\u1ea3i \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n hi\u1ec7n h\u00e0nh thay v\u00ec ch\u1ec9 so s\u00e1nh c\u00e1c con s\u1ed1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dobrac-sume-do-pobytu-w-schengen\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft cho chuy\u1ebfn \u0111i \u0111\u1ebfn khu v\u1ef1c Schengen<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u vi\u1ec7c l\u1ef1a ch\u1ecdn th\u00f4ng tin t\u1eeb m\u1ee5c \u0111\u00edch c\u1ee7a t\u00e0i li\u1ec7u. M\u1ed9t s\u1ed1 th\u00f4ng tin c\u00f3 th\u1ec3 c\u1ea7n thi\u1ebft cho \u0111\u01a1n xin th\u1ecb th\u1ef1c, m\u1ed9t s\u1ed1 kh\u00e1c cho th\u1ee7 t\u1ee5c xin c\u01b0 tr\u00fa, v\u00e0 m\u1ed9t s\u1ed1 kh\u00e1c n\u1eefa cho vi\u1ec7c mua b\u1ea3o hi\u1ec3m trong th\u1eddi gian l\u01b0u tr\u00fa. H\u00e3y ki\u1ec3m tra danh s\u00e1ch c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n v\u00e0 so s\u00e1nh v\u1edbi n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng cho r\u1eb1ng s\u1ed1 ti\u1ec1n th\u01b0\u1eddng \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn l\u00e0 lu\u00f4n \u0111\u1ee7. Trong b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/co-so-bao-hiem-chi-phi-dieu-tri\/bao-hiem-cho-thi-thuc-schengen-cac-yeu-cau-doi-voi-hop-dong-bao-hiem\/\">c\u00e1c y\u00eau c\u1ea7u c\u1ee7a b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen<\/a> b\u1ea1n s\u1ebd t\u00ecm th\u1ea5y danh s\u00e1ch chi ti\u1ebft h\u01a1n v\u1ec1 c\u00e1c ph\u1ea7n trong t\u00e0i li\u1ec7u c\u1ea7n ki\u1ec3m tra. Ngo\u00e0i ra, ch\u00fang t\u00f4i c\u0169ng gi\u1ea3i th\u00edch ri\u00eang v\u1ec1, <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/yeu-cau-phap-ly-doi-voi-nguoi-nuoc-ngoai-tai-ba-lan-va-khu-vuc-schengen\/bao-hiem-schengen-30-000-euro-khi-nao-thi-so-tien-do-la-khong-du\/\">Khi 30.000 euro c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cztery-pytania-przed-wyborem\">B\u1ed1n c\u00e2u h\u1ecfi c\u1ea7n c\u00e2n nh\u1eafc tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-1 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-items8826122a-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items8826122a-list-1 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-items8826122a-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items8826122a-list-1 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-8826122a-list-1-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-1-1 .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-8826122a-list-1-1 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\">N\u00f3 l\u00e0 g\u00ec? <strong>th\u00f4ng tin v\u1ec1 th\u1eddi gian l\u01b0u tr\u00fa<\/strong>: chi\u1ec1u d\u00e0i c\u1ee7a n\u00f3, c\u00e1c qu\u1ed1c gia li\u00ean quan v\u00e0 l\u1ed9 tr\u00ecnh di chuy\u1ec3n d\u1ef1 ki\u1ebfn?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-8826122a-list-1-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-1-2 .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-8826122a-list-1-2 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\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m <strong>to\u00e0n b\u1ed9 th\u1eddi gian d\u1ef1 ki\u1ebfn<\/strong>, kh\u00f4ng c\u00f3 kho\u1ea3ng tr\u1ed1ng gi\u1eefa c\u00e1c ng\u00e0y?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-8826122a-list-1-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-1-3 .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-8826122a-list-1-3 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\">T\u00e0i li\u1ec7u n\u00e0y c\u00f3 x\u00e1c nh\u1eadn \u0111\u00fang ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-8826122a-list-1-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-1-4 .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-8826122a-list-1-4 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\">B\u1ea1n c\u00f3 hi\u1ec3u r\u00f5 v\u1ec1 t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1ch th\u1ee9c kh\u1ea5u tr\u1eeb c\u00e1c m\u1ee9c n\u00e0y kh\u00f4ng?<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng m\u1ed9t ng\u01b0\u1eddi nh\u1eadn \u0111\u01b0\u1ee3c hai \u0111\u1ec1 xu\u1ea5t b\u1ea3o hi\u1ec3m v\u1edbi c\u00f9ng m\u1ed9t m\u1ee9c b\u1ea3o hi\u1ec3m ch\u00ednh. Trong m\u1ed9t \u0111\u1ec1 xu\u1ea5t, m\u1ee9c b\u1ea3o hi\u1ec3m n\u00e0y \u00e1p d\u1ee5ng t\u1ed5ng h\u1ee3p cho t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 c\u1ed1, v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u00f3 quy \u0111\u1ecbnh c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5. Trong \u0111\u1ec1 xu\u1ea5t c\u00f2n l\u1ea1i, c\u00e1ch t\u00ednh b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 kh\u00e1c. V\u00ec v\u1eady, vi\u1ec7c ch\u1ec9 so s\u00e1nh s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u00f4i s\u1ebd kh\u00f4ng tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c c\u00e2u h\u1ecfi: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Ch\u1ec9 sau khi ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng, ng\u01b0\u1eddi ta m\u1edbi c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh. <strong>c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung hi\u1ec7n h\u00e0nh trong b\u1ed1i c\u1ea3nh c\u00e1c quy \u0111\u1ecbnh c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-uniknac-blednej-decyzji\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 tr\u00e1nh \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh sai l\u1ea7m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng ki\u1ec3m tra k\u1ef9 nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3. Sai l\u1ea7m th\u1ee9 hai l\u00e0 cho r\u1eb1ng t\u00ean g\u1ecdi \u201eSchengen\u201d t\u1ef1 \u0111\u1ed9ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia c\u1ea7n thi\u1ebft. L\u1ed7i th\u1ee9 ba l\u00e0 v\u1eabn d\u1ef1a v\u00e0o danh s\u00e1ch c\u00e1c t\u00f9y ch\u1ecdn c\u0169, m\u1eb7c d\u00f9 s\u1ea3n ph\u1ea9m hi\u1ec7n t\u1ea1i c\u00f3 th\u1ec3 c\u00f3 c\u00e1c th\u00f4ng s\u1ed1 kh\u00e1c.<\/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>\u0110\u1eebng coi c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n (OWU) \u0111\u00e3 l\u01b0u tr\u1eef nh\u01b0 m\u1ed9t \u0111\u1ec1 ngh\u1ecb hi\u1ec7n h\u00e0nh.<\/strong> T\u00e0i li\u1ec7u t\u1eeb n\u0103m tr\u01b0\u1edbc c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u01a1 c\u1ea5u m\u1ee9c gi\u1edbi h\u1ea1n, nh\u01b0ng tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n ki\u1ec3m tra k\u1ef9 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 n\u1ed9i dung hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ee3p \u0111\u1ed3ng. \u0110i\u1ec1u n\u00e0y c\u0169ng \u00e1p d\u1ee5ng cho t\u00ean c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nguy\u00ean t\u1eafc r\u1eb1ng\u2026 c\u0169ng kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c. <strong>Ph\u01b0\u01a1ng \u00e1n cao h\u01a1n lu\u00f4n gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c m\u1ecdi v\u1ea5n \u0111\u1ec1<\/strong>. M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a cao h\u01a1n kh\u00f4ng t\u1ef1 n\u00f3 gi\u1ea3i \u0111\u00e1p \u0111\u01b0\u1ee3c c\u00e1c c\u00e2u h\u1ecfi li\u00ean quan \u0111\u1ebfn ph\u1ea1m vi \u00e1p d\u1ee5ng, th\u1eddi h\u1ea1n, c\u00e1c m\u1ee9c b\u1ea3o hi\u1ec3m ph\u1ee5 v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ea5p b\u1ea3o hi\u1ec3m. C\u00e1c y\u1ebfu t\u1ed1 n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 m\u1ed9t c\u00e1ch t\u1ed5ng th\u1ec3.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Khi so s\u00e1nh c\u00e1c \u0111\u1ec1 xu\u1ea5t, h\u00e3y ghi l\u1ea1i cho t\u1eebng \u0111\u1ec1 xu\u1ea5t nh\u01b0 sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-2 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-items8826122a-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-2 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items8826122a-list-2 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-items8826122a-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-2 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8826122a-list-2 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items8826122a-list-2 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-8826122a-list-2-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-2-1 .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-8826122a-list-2-1 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\">s\u1ed1 ti\u1ec1n g\u1ed1c v\u00e0 lo\u1ea1i ti\u1ec1n t\u1ec7;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-8826122a-list-2-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-2-2 .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-8826122a-list-2-2 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\">c\u00e1ch \u00e1p d\u1ee5ng t\u1ed5ng cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 s\u1ef1 ki\u1ec7n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-8826122a-list-2-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-2-3 .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-8826122a-list-2-3 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\">t\u1ea5t c\u1ea3 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 quan tr\u1ecdng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-8826122a-list-2-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-2-4 .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-8826122a-list-2-4 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\">c\u00e1c qu\u1ed1c gia \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-8826122a-list-2-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-2-5 .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-8826122a-list-2-5 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\">ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-8826122a-list-2-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-8826122a-list-2-6 .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-8826122a-list-2-6 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\">c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c c\u1ea5p sau khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Danh s\u00e1ch nh\u01b0 v\u1eady gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro r\u1eb1ng quy\u1ebft \u0111\u1ecbnh s\u1ebd \u0111\u01b0\u1ee3c \u0111\u01b0a ra ch\u1ec9 d\u1ef1a tr\u00ean gi\u00e1 ho\u1eb7c m\u1ed9t con s\u1ed1 duy nh\u1ea5t hi\u1ec3n th\u1ecb trong ph\u1ea7n t\u00f3m t\u1eaft.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-sprawdzic-przed-zakupem\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin tr\u00ean m\u1eabu \u0111\u01a1n v\u1edbi gi\u1ea5y t\u1edd du l\u1ecbch. T\u00ean, h\u1ecd v\u00e0 ng\u00e0y th\u00e1ng ph\u1ea3i tr\u00f9ng kh\u1edbp v\u1edbi th\u00f4ng tin \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong th\u1ee7 t\u1ee5c. Ngo\u00e0i ra, h\u00e3y ki\u1ec3m tra <strong>th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u b\u1ea3o hi\u1ec3m<\/strong> v\u00e0 li\u1ec7u th\u1eddi gian \u0111\u00f3 c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian c\u1ea7n thi\u1ebft hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y \u0111\u1ecdc k\u1ef9 t\u00e0i li\u1ec7u 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) hi\u1ec7n h\u00e0nh. H\u00e3y t\u00ecm c\u00e2u tr\u1ea3 l\u1eddi cho ba c\u00e2u h\u1ecfi quan tr\u1ecdng sau: ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng \u1edf \u0111\u00e2u, h\u1ea1n m\u1ee9c t\u1ed5ng c\u1ed9ng l\u00e0 bao nhi\u00eau v\u00e0 li\u1ec7u c\u00f3 c\u00e1c h\u1ea1n m\u1ee9c ph\u1ee5 hay kh\u00f4ng. N\u1ebfu \u0111i\u1ec1u kho\u1ea3n n\u00e0o \u0111\u00f3 kh\u00f4ng r\u00f5 r\u00e0ng, h\u00e3y y\u00eau c\u1ea7u gi\u1ea3i th\u00edch tr\u01b0\u1edbc khi mua \u2013 \u0111\u1eebng \u0111\u1ee3i \u0111\u1ebfn khi b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n m\u1edbi t\u00ecm hi\u1ec3u c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1, h\u00e3y gi\u1eef b\u00ecnh t\u0129nh <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 h\u1ed3 s\u01a1 v\u1ee5 vi\u1ec7c<\/strong>. Vui l\u00f2ng lu\u00f4n tham kh\u1ea3o c\u00e1c \u0111i\u1ec1u kho\u1ea3n hi\u1ec7n h\u00e0nh c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u1ec3 bi\u1ebft chi ti\u1ebft v\u1ec1 quy tr\u00ecnh th\u1ef1c hi\u1ec7n. Kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng c\u00e1c m\u1ed1c th\u1eddi gian ho\u1eb7c danh s\u00e1ch t\u00e0i li\u1ec7u t\u1eeb s\u1ea3n ph\u1ea9m kh\u00e1c, v\u00ec ch\u00fang c\u00f3 th\u1ec3 kh\u00e1c nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n mu\u1ed1n ki\u1ec3m tra c\u00e1c ph\u01b0\u01a1ng \u00e1n ph\u00f9 h\u1ee3p v\u1edbi ng\u00e0y v\u00e0 th\u00f4ng tin c\u1ee7a m\u00ecnh? H\u00e3y s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \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<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\u00cdNH PH\u00cd B\u1ea2O HI\u1ec2M TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd, h\u00e3y quay l\u1ea1i trang t\u00f3m t\u1eaft v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng <strong>t\u1ed5ng s\u1ed1 ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng ti\u00eau ch\u00ed<\/strong>. L\u00e3nh th\u1ed5, th\u1eddi h\u1ea1n b\u1ea3o v\u1ec7 v\u00e0 c\u00e1ch th\u1ee9c \u00e1p d\u1ee5ng c\u00e1c gi\u1edbi h\u1ea1n c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m.<\/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\n<h3 class=\"wp-block-heading\" id=\"czy-30000-eur-zawsze-wystarczy-do-wizy-schengen\">30.000 EUR c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ee7 \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean coi s\u1ed1 ti\u1ec1n n\u00e0y l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi chung chung m\u00e0 ch\u01b0a ki\u1ec3m tra tr\u01b0\u1edbc c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh \u00e1p d\u1ee5ng cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. H\u00e3y so s\u00e1nh t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3. <strong>Ki\u1ec3m tra y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi quy tr\u00ecnh c\u1ee7a b\u1ea1n<\/strong>, thay v\u00ec d\u1ef1a v\u00e0o phi\u00ean b\u1ea3n s\u1ea3n ph\u1ea9m l\u01b0u tr\u1eef.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wyzsza-suma-ubezpieczenia-zawsze-oznacza-lepsza-polise\">M\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t h\u01a1n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. M\u1ee9c b\u1ed3i th\u01b0\u1eddng cao h\u01a1n s\u1ebd l\u00e0m t\u0103ng m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m ch\u00ednh, nh\u01b0ng kh\u00f4ng quy\u1ebft \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m hay c\u00e1c m\u1ee9c tr\u1ea7n ph\u1ee5. C\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c so s\u00e1nh d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed gi\u1ed1ng nhau, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o con s\u1ed1 cao nh\u1ea5t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-suma-odnawia-sie-po-kazdym-zdarzeniu\">T\u1ed5ng s\u1ed1 li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt l\u1ea1i sau m\u1ed7i s\u1ef1 ki\u1ec7n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u \u0111\u00f3. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) l\u1ecbch s\u1eed c\u1ee7a Uniqa n\u0103m 2020 quy \u0111\u1ecbnh vi\u1ec7c gi\u1ea3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 t\u01b0\u01a1ng \u1ee9ng v\u1edbi c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 chi tr\u1ea3. Qu\u00fd kh\u00e1ch n\u00ean ki\u1ec3m tra c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn trong c\u00e1c t\u00e0i li\u1ec7u c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-polisa-dla-cudzoziemca-automatycznie-dziala-w-calej-strefie-schengen\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 t\u1ef1 \u0111\u1ed9ng c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean to\u00e0n khu v\u1ef1c Schengen kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m \u0111\u1ec3 \u0111\u01b0a ra gi\u1ea3 \u0111\u1ecbnh n\u00e0y. Ph\u1ea1m vi l\u00e3nh th\u1ed5 ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh. <strong>Vi\u1ec7c x\u00e1c nh\u1eadn l\u00e3nh th\u1ed5 ph\u1ea3i r\u00f5 r\u00e0ng v\u00e0 kh\u00f4ng th\u1ec3 hi\u1ec3u nh\u1ea7m<\/strong> tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-mozna-porownac-warianty-tylko-na-podstawie-sumy-glownej\">C\u00f3 th\u1ec3 so s\u00e1nh c\u00e1c ph\u01b0\u01a1ng \u00e1n ch\u1ec9 d\u1ef1a tr\u00ean t\u1ed5ng ch\u00ednh kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn c\u1ea3 c\u00e1c m\u1ee9c tr\u1ea7n ph\u1ee5, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n c\u00e1c kho\u1ea3n chi tr\u1ea3 ti\u1ebfp theo, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Ch\u1ec9 khi c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y th\u00ec m\u1edbi c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 ti\u1ebfn h\u00e0nh so s\u00e1nh m\u1ed9t c\u00e1ch kh\u00e1ch quan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jaka-sume-wybrac-przy-dluzszym-pobycie\">N\u00ean ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m bao nhi\u00eau khi l\u01b0u tr\u00fa d\u00e0i ng\u00e0y?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi chung n\u00e0o \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. Y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh n\u1eb1m \u1edf c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a th\u1ee7 t\u1ee5c, th\u1eddi gian v\u00e0 t\u00ednh ch\u1ea5t c\u1ee7a chuy\u1ebfn l\u01b0u tr\u00fa, c\u0169ng nh\u01b0 c\u1ea5u tr\u00fac c\u1ee7a c\u00e1c ph\u01b0\u01a1ng \u00e1n c\u00f3 s\u1eb5n. <strong>H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u m\u1edbi nh\u1ea5t<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ef1a tr\u00ean nh\u1eefng v\u00ed d\u1ee5 tr\u01b0\u1edbc \u0111\u00e2y hay ch\u1ec9 d\u1ef1a v\u00e0o gi\u00e1 c\u1ea3.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng, nh\u01b0ng kh\u00f4ng th\u1ec3 t\u00e1ch r\u1eddi kh\u1ecfi c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng. T\u1ed1t nh\u1ea5t l\u00e0 n\u00ean \u0111\u00e1nh gi\u00e1 s\u1ed1 ti\u1ec1n n\u00e0y trong b\u1ed1i c\u1ea3nh ph\u1ea1m vi \u0111\u1ecba l\u00fd, th\u1eddi gian, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n b\u1ed3i th\u01b0\u1eddng. Ch\u1ec9 khi \u0111\u00f3, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi v\u1eeba \u0111\u00e1p \u1ee9ng m\u1ee5c \u0111\u00edch l\u1eadp h\u1ed3 s\u01a1, v\u1eeba ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m d\u1ef1 ki\u1ebfn trong th\u1eddi gian l\u01b0u tr\u00fa.<\/p>","protected":false},"excerpt":{"rendered":"<p>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb quy \u0111\u1ecbnh m\u1ee9c t\u1ed1i \u0111a m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. M\u1eb7c d\u00f9 \u0111\u00e2y l\u00e0 m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng\u2026<\/p>","protected":false},"author":1,"featured_media":4291,"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":[42],"tags":[96,94,95,97],"class_list":["post-4292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podstawy-ubezpieczenia-kosztow-leczenia-kl","tag-podlimity-w-polisie","tag-suma-ubezpieczenia-kl","tag-ubezpieczenie-schengen","tag-wymagania-wizowe"],"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>Suma ubezpieczenia KL w Schengen: jak dobra\u0107 kwot\u0119<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, jak dobra\u0107 sum\u0119 ubezpieczenia KL do wymog\u00f3w Schengen. 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