{"id":4301,"date":"2026-11-04T16:04:11","date_gmt":"2026-11-04T15:04:11","guid":{"rendered":"https:\/\/polisa-obcokrajowca.pl\/?p=4301"},"modified":"2026-11-04T16:04:11","modified_gmt":"2026-11-04T15:04:11","slug":"lam-the-nao-de-chon-goi-bao-hiem-cho-sinh-vien-nuoc-ngoai-tai-ba-lan","status":"publish","type":"post","link":"https:\/\/polisa-obcokrajowca.pl\/vi\/poradnik\/ubezpieczenie-a-cel-pobytu\/jak-wybrac-polise-dla-zagranicznego-studenta-w-polsce\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i v\u00e0o n\u0103m 2026 c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p c\u1ea3 v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa l\u1eabn nhu c\u1ea7u th\u1ef1c t\u1ebf trong th\u1eddi gian h\u1ecdc t\u1eadp t\u1ea1i Ba Lan. Ch\u1ec9 ri\u00eang t\u00ean g\u1ecdi c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7. Tr\u01b0\u1edbc khi mua, c\u1ea7n ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) hi\u1ec7n h\u00e0nh, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh x\u1eed l\u00fd sau s\u1ef1 c\u1ed1. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c xu\u1ea5t tr\u00ecnh cho tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc ho\u1eb7c s\u1eed d\u1ee5ng trong th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa. N\u00ean x\u00e1c nh\u1eadn c\u00e1c y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m tr\u1ef1c ti\u1ebfp v\u1edbi c\u01a1 quan ph\u1ee5 tr\u00e1ch v\u1ee5 vi\u1ec7c \u2013 c\u00e1c y\u00eau c\u1ea7u n\u00e0y kh\u00f4ng gi\u1ed1ng nhau trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. H\u01b0\u1edbng d\u1eabn d\u01b0\u1edbi \u0111\u00e2y s\u1ebd ch\u1ec9 ra c\u00e1ch \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o gi\u00e1 c\u1ea3 ho\u1eb7c m\u00f4 t\u1ea3 chung c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m.<\/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=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#od-czego-zaczac-wybor-polisy\">N\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u khi l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n\n<li><a href=\"#co-sprawdzic-przed-zakupem\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua<\/a><\/li>\n\n\n\n<li><a href=\"#jak-czytac-sumy-limity-i-wylaczenia\">C\u00e1ch hi\u1ec3u c\u00e1c kho\u1ea3n t\u1ed5ng, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7<\/a><\/li>\n\n\n\n<li><a href=\"#co-zrobic-po-zdarzeniu\">Ph\u1ea3i l\u00e0m g\u00ec sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n\n\n<li><a href=\"#podsumowanie\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i \u2014 t\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"od-czego-zaczac-wybor-polisy\">N\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u khi l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh r\u00f5 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Vi\u1ec7c ph\u00e2n t\u00edch m\u1ed9t h\u1ee3p \u0111\u1ed3ng mua cho c\u1ea3 n\u0103m h\u1ecdc s\u1ebd kh\u00e1c v\u1edbi vi\u1ec7c ph\u00e2n t\u00edch g\u00f3i b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn m\u1ed9t th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh c\u1ee5 th\u1ec3. N\u1ebfu c\u1ea7n n\u1ed9p h\u1ee3p \u0111\u1ed3ng n\u00e0y cho tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc, h\u00e3y y\u00eau c\u1ea7u tr\u01b0\u1eddng cung c\u1ea5p danh s\u00e1ch c\u1eadp nh\u1eadt c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft. \u0110\u1ed1i v\u1edbi vi\u1ec7c l\u01b0u tr\u00fa t\u1ea1i Ba Lan, m\u1ed9t \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u h\u1eefu \u00edch l\u00e0 ph\u1ea7n m\u00f4 t\u1ea3 <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>. V\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn th\u1ecb th\u1ef1c, xin xem th\u00eam <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/bao-hiem\/bao-hiem-cho-thi-thuc-quoc-gia\/\">B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c qu\u1ed1c gia<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y chu\u1ea9n b\u1ecb c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 l\u1eadp gi\u1ea5y t\u1edd. Ki\u1ec3m tra ch\u00ednh t\u1ea3 c\u1ee7a h\u1ecd v\u00e0 t\u00ean, ng\u00e0y sinh, s\u1ed1 gi\u1ea5y t\u1edd v\u00e0 c\u00e1c ng\u00e0y d\u1ef1 ki\u1ebfn \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7. <strong>Th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong> ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c t\u00e0i li\u1ec7u m\u00e0 sinh vi\u00ean s\u1eed d\u1ee5ng t\u1ea1i tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc v\u00e0 c\u01a1 quan h\u00e0nh ch\u00ednh. M\u1ed9t l\u1ed7i ch\u00ednh t\u1ea3 c\u00f3 th\u1ec3 kh\u00f4ng l\u00e0m thay \u0111\u1ed5i ph\u1ea1m vi b\u1ea3o hi\u1ec3m, nh\u01b0ng c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng cho r\u1eb1ng t\u01b0 c\u00e1ch sinh vi\u00ean t\u1ef1 \u0111\u1ed9ng mang l\u1ea1i m\u1ed9t ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u1eb7c bi\u1ec7t v\u00e0 th\u1ed1ng nh\u1ea5t. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh b\u1edfi ch\u00ednh b\u1ea3n 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. Do \u0111\u00f3, b\u1ea1n n\u00ean \u0111\u00e1nh gi\u00e1 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/bao-hiem\/bao-hiem-cho-nguoi-nuoc-ngoai\/\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> d\u1ef1a tr\u00ean c\u00e1c th\u00f4ng s\u1ed1 c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic-przed-zakupem\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ecdc k\u1ef9 b\u1ea3n t\u00f3m t\u1eaft \u0111\u1ec1 xu\u1ea5t v\u00e0 c\u00e1c t\u00e0i li\u1ec7u \u00e1p d\u1ee5ng cho ph\u01b0\u01a1ng \u00e1n b\u1ea1n \u0111\u00e3 ch\u1ecdn. Danh s\u00e1ch ng\u1eafn sau \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n ki\u1ec3m tra d\u1ec5 d\u00e0ng h\u01a1n:<\/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>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9<\/strong> \u2014 C\u00e1c ng\u00e0y ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m kho\u1ea3ng th\u1eddi gian d\u1ef1 ki\u1ebfn m\u00e0 b\u1ea1n c\u1ea7n c\u00f3 t\u00e0i li\u1ec7u n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u00e3nh th\u1ed5<\/strong> \u2014 H\u00e3y x\u00e1c \u0111\u1ecbnh v\u1ecb tr\u00ed m\u00e0 s\u1ef1 c\u1ed1 ph\u1ea3i x\u1ea3y ra \u0111\u1ec3 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7.<\/p>\n\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items9cca42a4-checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items9cca42a4-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items9cca42a4-checklist kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-9cca42a4-item-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-9cca42a4-item-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-9cca42a4-item-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong> \u2014 X\u00e1c \u0111\u1ecbnh m\u1ee9c tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a trong ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-9cca42a4-item-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-9cca42a4-item-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-9cca42a4-item-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Gi\u1edbi h\u1ea1n v\u00e0 gi\u1edbi h\u1ea1n ph\u1ee5<\/strong> \u2014 H\u00e3y \u0111\u1ecdc k\u1ef9 \u0111\u1ec3 xem t\u1eebng lo\u1ea1i tr\u1ee3 c\u1ea5p c\u00f3 nh\u1eefng h\u1ea1n ch\u1ebf ri\u00eang hay kh\u00f4ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-9cca42a4-item-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-9cca42a4-item-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-9cca42a4-item-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m<\/strong> \u2014 H\u00e3y xem trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i chi tr\u1ea3 chi ph\u00ed.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-9cca42a4-item-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-9cca42a4-item-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-9cca42a4-item-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong> \u2014 h\u00e3y l\u01b0u s\u1ed1 \u0111\u00f3 v\u00e0o \u0111i\u1ec7n tho\u1ea1i v\u00e0 \u1edf m\u1ed9t n\u01a1i m\u00e0 b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 truy c\u1eadp ngay c\u1ea3 khi kh\u00f4ng c\u00f3 k\u1ebft n\u1ed1i internet.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-9cca42a4-item-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-9cca42a4-item-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-9cca42a4-item-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Phi\u00ean b\u1ea3n hi\u1ec7n h\u00e0nh c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/strong> \u2014 H\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111ang \u0111\u1ecdc t\u00e0i li\u1ec7u \u0111i k\u00e8m v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n \u0111ang mua, ch\u1ee9 kh\u00f4ng ph\u1ea3i nh\u1eefng th\u00f4ng tin c\u0169 t\u00ecm th\u1ea5y tr\u00ean m\u1ea1ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu sinh vi\u00ean c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ngay c\u1ea3 khi di chuy\u1ec3n ra ngo\u00e0i l\u00e3nh th\u1ed5 Ba Lan, kh\u00f4ng n\u00ean ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m \u0111\u1ec3 \u0111\u01b0a ra k\u1ebft lu\u1eadn. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3. B\u1ed1i c\u1ea3nh r\u1ed9ng h\u01a1n trong vi\u1ec7c l\u1ef1a ch\u1ecdn c\u0169ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng <a href=\"https:\/\/schengeninsurance.pl\/ubezpieczenie-dla-cudzoziemca\/\" target=\"_blank\" rel=\"noopener noreferrer\">b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>, nh\u01b0ng c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c c\u1ea5p cho c\u00e1 nh\u00e2n \u0111\u00f3 v\u1eabn l\u00e0 c\u01a1 s\u1edf quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ch\u1ec9 d\u1ef1a tr\u00ean m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p nh\u1ea5t. Gi\u00e1 hi\u1ec7n t\u1ea1i ph\u1ee5 thu\u1ed9c v\u00e0o th\u00f4ng tin b\u1ea1n cung c\u1ea5p trong bi\u1ec3u m\u1eabu v\u00e0 c\u00e1c th\u00f4ng s\u1ed1 c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebft qu\u1ea3 t\u00ednh to\u00e1n, h\u00e3y \u0111\u1ecdc h\u01b0\u1edbng d\u1eabn v\u1ec1 <a href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/huong-dan\/cac-cau-hoi-thuong-gap-va-loi-khuyen-thuc-te-cho-nguoi-nuoc-ngoai\/chi-phi-bao-hiem-cho-nguoi-nuoc-ngoai-nam-2026\/\">Chi ph\u00ed b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0o n\u0103m 2026<\/a>. Ch\u1ec9 n\u00ean so s\u00e1nh c\u00e1c \u0111\u1ec1 xu\u1ea5t khi ch\u00fang li\u00ean quan \u0111\u1ebfn c\u00f9ng m\u1ed9t ng\u01b0\u1eddi, c\u00f9ng m\u1ed9t kho\u1ea3ng th\u1eddi gian v\u00e0 c\u00f9ng ph\u1ea1m vi d\u1ef1 ki\u1ebfn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-czytac-sumy-limity-i-wylaczenia\">C\u00e1ch hi\u1ec3u c\u00e1c kho\u1ea3n t\u1ed5ng, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m x\u00e1c \u0111\u1ecbnh gi\u1edbi h\u1ea1n t\u00e0i ch\u00ednh v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi t\u00ecnh hu\u1ed1ng \u0111\u1ec1u \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1edbi m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a. C\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 c\u00e1ch th\u1ee9c s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m sau khi chi tr\u1ea3 quy\u1ec1n l\u1ee3i c\u0169ng c\u00f3 vai tr\u00f2 r\u1ea5t quan tr\u1ecdng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh v\u1ec1 c\u01a1 ch\u1ebf c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong m\u1ed9t v\u0103n b\u1ea3n c\u1ee5 th\u1ec3 l\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020. Theo t\u00e0i li\u1ec7u n\u00e0y, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 t\u1ea1o th\u00e0nh gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 c\u00e1c kho\u1ea3n chi tr\u1ea3 s\u1ebd l\u00e0m gi\u1ea3m c\u00e1c m\u1ee9c n\u00e0y. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 s\u1ed1 ti\u1ec1n <strong>kh\u00f4ng ph\u1ea3i l\u00e0 qu\u1ef9 chung kh\u00f4ng c\u00f3 gi\u1edbi h\u1ea1n<\/strong>, v\u00e0 h\u1ea1n m\u1ee9c hi\u1ec7n c\u00f3 c\u00f3 th\u1ec3 <strong>gi\u1ea3m d\u1ea7n sau khi nh\u1eadn l\u01b0\u01a1ng<\/strong>. \u0110\u00e2y l\u00e0 th\u00f4ng tin li\u00ean quan \u0111\u1ebfn c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) n\u0103m 2020 \u0111\u00e3 \u0111\u01b0\u1ee3c n\u00eau, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 quy \u0111\u1ecbnh \u00e1p d\u1ee5ng t\u1ef1 \u0111\u1ed9ng cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o n\u0103m 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n c\u00f3 c\u00e1ch ti\u1ebfp c\u1eadn t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi c\u00e1c m\u1ee9c b\u1ed3i th\u01b0\u1eddng c\u1ee5 th\u1ec3. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a Ergo Hestia n\u0103m 2016 quy \u0111\u1ecbnh m\u1ee9c b\u1ed3i th\u01b0\u1eddng l\u00e0 30.000 EUR \u0111\u1ed1i v\u1edbi g\u00f3i STANDARD v\u00e0 50.000 EUR \u0111\u1ed1i v\u1edbi g\u00f3i OPTIMUM. <strong>Kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n c\u00e1c th\u00f4ng s\u1ed1 c\u0169<\/strong> \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c b\u00e1o gi\u00e1 hi\u1ec7n t\u1ea1i m\u00e0 kh\u00f4ng c\u1ea7n ki\u1ec3m tra c\u00e1c t\u00e0i li\u1ec7u k\u00e8m theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111ang \u0111\u01b0\u1ee3c mua. V\u00ed d\u1ee5 n\u00e0y ch\u1ec9 ra l\u00fd do t\u1ea1i sao n\u0103m v\u00e0 t\u00ean c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung l\u1ea1i quan tr\u1ecdng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ecdc k\u1ef9 l\u01b0\u1ee1ng kh\u00f4ng k\u00e9m g\u00ec m\u1ee9c b\u1ea3o hi\u1ec3m. Trong c\u00f9ng c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Ergo Hestia n\u0103m 2016, c\u00e1c kho\u1ea3n chi ph\u00ed \u0111\u01b0\u1ee3c lo\u1ea1i tr\u1eeb bao g\u1ed3m, trong s\u1ed1 nh\u1eefng \u0111i\u1ec1u kh\u00e1c, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 l\u00fd do c\u1ee7a chuy\u1ebfn \u0111i, c\u0169ng nh\u01b0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u00e3 bi\u1ebft tr\u01b0\u1edbc v\u1ec1 s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a vi\u1ec7c \u0111i\u1ec1u tr\u1ecb \u0111\u00f3 tr\u01b0\u1edbc khi kh\u1edfi h\u00e0nh. \u0110\u00e2y l\u00e0 nh\u1eefng \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb \u00e1p d\u1ee5ng ri\u00eang cho t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 n\u00e0y. Kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng ch\u00fang cho s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00e1c n\u1ebfu kh\u00f4ng c\u00f3 x\u00e1c nh\u1eadn r\u00f5 r\u00e0ng trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, b\u1ea1n n\u00ean t\u1ef1 tr\u1ea3 l\u1eddi ba c\u00e2u h\u1ecfi sau: ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn bao g\u1ed3m nh\u1eefng s\u1ef1 ki\u1ec7n n\u00e0o, c\u00f3 nh\u1eefng h\u1ea1n ch\u1ebf n\u00e0o li\u00ean quan \u0111\u1ebfn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o n\u1eb1m trong danh m\u1ee5c c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a tr\u00ean c\u00e1ch hi\u1ec3u th\u00f4ng th\u01b0\u1eddng v\u1ec1 thu\u1eadt ng\u1eef \u201eb\u1ea3o hi\u1ec3m y t\u1ebf\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-po-zdarzeniu\">Ph\u1ea3i l\u00e0m g\u00ec sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c, h\u00e3y l\u01b0u s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a trung t\u00e2m kh\u1ea9n c\u1ea5p v\u00e0 ki\u1ec3m tra quy tr\u00ecnh \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. \u0110\u1eebng ch\u1edd \u0111\u1ebfn khi c\u1ea7n s\u1ef1 tr\u1ee3 gi\u00fap m\u1edbi \u0111\u1ecdc \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00e1c th\u1ee7 t\u1ee5c v\u00e0 b\u1ed9 h\u1ed3 s\u01a1 kh\u00e1c nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a Ergo Hestia n\u0103m 2016 quy \u0111\u1ecbnh r\u1eb1ng <strong>li\u00ean h\u1ec7 ngay l\u1eadp t\u1ee9c v\u1edbi Trung t\u00e2m C\u1ea5p c\u1ee9u<\/strong>. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng y\u00eau c\u1ea7u n\u1ed9p m\u1eabu \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, c\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf bao g\u1ed3m c\u00e1c ch\u1ea9n \u0111o\u00e1n. \u0110\u00e2y l\u00e0 th\u1ee7 t\u1ee5c \u00e1p d\u1ee5ng cho t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 n\u00e0y, do \u0111\u00f3, ng\u01b0\u1eddi s\u1edf h\u1eefu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c n\u00ean ki\u1ec3m tra h\u01b0\u1edbng d\u1eabn v\u00e0 th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a ri\u00eang m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020, th\u00f4ng b\u00e1o li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ea3i bao g\u1ed3m <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>, b\u1ea3n m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 s\u1ef1 vi\u1ec7c, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf k\u00e8m ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u0169ng nh\u01b0 c\u00e1c h\u00f3a \u0111\u01a1n, bi\u00ean lai, gi\u1ea5y ch\u1ee9ng nh\u1eadn nh\u1eadp vi\u1ec7n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n. T\u1eeb g\u00f3c \u0111\u1ed9 c\u1ee7a sinh vi\u00ean, c\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u n\u00e0y ngay t\u1eeb \u0111\u1ea7u <strong>h\u1ed3 s\u01a1 y t\u1ebf<\/strong>, <strong>t\u00e0i li\u1ec7u chi ph\u00ed<\/strong> v\u00e0 <strong>m\u00f4 t\u1ea3 t\u00ecnh ti\u1ebft v\u1ee5 vi\u1ec7c<\/strong>. \u0110i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 danh s\u00e1ch n\u00e0y thay th\u1ebf cho h\u01b0\u1edbng d\u1eabn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ngo\u00e0i ra, \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ n\u0103m 2026 c\u00f2n quy \u0111\u1ecbnh ngh\u0129a v\u1ee5 ph\u1ea3i thu th\u1eadp h\u1ed3 s\u01a1 ch\u1ea9n \u0111o\u00e1n v\u00e0 \u0111i\u1ec1u tr\u1ecb, b\u1ea3o qu\u1ea3n c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1, \u0111\u1ed3ng th\u1eddi t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0m r\u00f5 c\u00e1c t\u00ecnh ti\u1ebft c\u1ee7a s\u1ef1 c\u1ed1. V\u0103n b\u1ea3n n\u00e0y c\u0169ng quy \u0111\u1ecbnh m\u1ed9t tuy\u00ean b\u1ed1 ph\u00f9 h\u1ee3p mi\u1ec5n tr\u1eeb ngh\u0129a v\u1ee5 b\u1ea3o m\u1eadt th\u00f4ng tin y t\u1ebf \u0111\u1ed1i v\u1edbi c\u00e1c b\u00e1c s\u0129 trong ph\u1ea1m vi c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c minh th\u00f4ng tin v\u1ec1 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe. Nh\u01b0 v\u1eady <strong>s\u1ef1 \u0111\u1ed3ng \u00fd cung c\u1ea5p c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft<\/strong> c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed9 t\u00e0i li\u1ec7u thi\u1ebft th\u1ef1c d\u00e0nh cho tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p bao g\u1ed3m b\u1ea3n sao h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u01b0\u1edbng d\u1eabn khai b\u00e1o s\u1ef1 c\u1ed1, th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a trung t\u00e2m \u1ee9ng c\u1ee9u kh\u1ea9n c\u1ea5p v\u00e0 ng\u0103n \u0111\u1ef1ng \u1ea3nh ch\u1ee5p c\u00e1c t\u00e0i li\u1ec7u. <strong>Th\u00f4ng tin v\u1ec1 Trung t\u00e2m C\u1ea5p c\u1ee9u<\/strong> N\u00ean l\u01b0u ri\u00eang bi\u1ec7t v\u1edbi t\u1ec7p ch\u1ee9a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u00f3 th\u1ec3 truy c\u1eadp \u0111\u01b0\u1ee3c ngay c\u1ea3 khi kh\u00f4ng th\u1ec3 m\u1edf nhanh t\u1ec7p \u0111\u00ednh k\u00e8m trong email.<\/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-kazdy-student-z-zagranicy-musi-miec-taka-sama-polise\">C\u00f3 ph\u1ea3i t\u1ea5t c\u1ea3 sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec1u ph\u1ea3i c\u00f3 c\u00f9ng m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng m\u1ed9t b\u1ed9 y\u00eau c\u1ea7u duy nh\u1ea5t cho t\u1ea5t c\u1ea3 sinh vi\u00ean. M\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng t\u00e0i li\u1ec7u, k\u1ef3 v\u1ecdng c\u1ee7a tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc v\u00e0 lo\u1ea1i th\u1ee7 t\u1ee5c \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh c\u00f3 th\u1ec3 kh\u00e1c nhau. \u0110\u1ec3 bi\u1ebft c\u00e1c y\u00eau c\u1ea7u c\u1eadp nh\u1eadt, qu\u00fd v\u1ecb n\u00ean li\u00ean h\u1ec7 v\u1edbi c\u01a1 s\u1edf gi\u00e1o d\u1ee5c c\u00f3 li\u00ean quan, sau \u0111\u00f3 so s\u00e1nh c\u00e1c y\u00eau c\u1ea7u \u0111\u00f3 v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-mozna-podac-jedna-cene-ubezpieczenia-dla-studenta-w-2026-roku\">C\u00f3 th\u1ec3 \u0111\u01b0a ra m\u1ed9t m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m duy nh\u1ea5t cho sinh vi\u00ean v\u00e0o n\u0103m 2026 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. N\u1ebfu kh\u00f4ng c\u00f3 t\u00ednh to\u00e1n c\u1ee5 th\u1ec3 cho t\u1eebng ng\u01b0\u1eddi, t\u1eebng kho\u1ea3ng th\u1eddi gian v\u00e0 c\u00e1c th\u00f4ng s\u1ed1 \u0111\u00e3 ch\u1ecdn, vi\u1ec7c \u0111\u01b0a ra m\u1ed9t m\u1ee9c gi\u00e1 duy nh\u1ea5t s\u1ebd g\u00e2y nh\u1ea7m l\u1eabn. Qu\u00fd kh\u00e1ch vui l\u00f2ng ki\u1ec3m tra k\u1ebft qu\u1ea3 tr\u1ef1c ti\u1ebfp tr\u00ean bi\u1ec3u m\u1eabu s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-najwyzsza-suma-ubezpieczenia-zawsze-oznacza-najlepszy-wybor\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a c\u00f3 ph\u1ea3i lu\u00f4n l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ph\u1ea3i ch\u1ec9 ri\u00eang s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u1edbi quy\u1ebft \u0111\u1ecbnh t\u00ednh h\u1eefu \u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. C\u1ea7n ph\u1ea3i \u0111\u1ed3ng th\u1eddi ph\u00e2n t\u00edch ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao h\u01a1n kh\u00f4ng l\u00e0m m\u1ea5t \u0111i c\u00e1c gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wystarczy-zachowac-potwierdzenie-platnosci\">Ch\u1ec9 c\u1ea7n gi\u1eef l\u1ea1i bi\u00ean lai thanh to\u00e1n l\u00e0 \u0111\u1ee7 ch\u01b0a?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">X\u00e1c nh\u1eadn thanh to\u00e1n kh\u00f4ng thay th\u1ebf cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hay c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. <strong>H\u00e3y gi\u1eef l\u1ea1i 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<\/strong>, v\u00e0 sau khi nh\u1eadn \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3, h\u00e3y thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c n\u00eau trong quy tr\u00ecnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-trzeba-kontaktowac-sie-z-centrum-alarmowym\">C\u00f3 c\u1ea7n li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m b\u00e1o \u0111\u1ed9ng kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng. V\u00ed d\u1ee5, \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Ergo Hestia n\u0103m 2016 y\u00eau c\u1ea7u ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c cho Trung t\u00e2m C\u1ea5p c\u1ee9u. Do \u0111\u00f3, c\u1ea7n ki\u1ec3m tra s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean l\u1ea1c v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 li\u00ean l\u1ea1c tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-starsze-owu-pozwalaja-ocenic-oferte-na-2026-rok\">C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u0169 c\u00f3 cho ph\u00e9p \u0111\u00e1nh gi\u00e1 \u0111\u1ec1 xu\u1ea5t cho n\u0103m 2026 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00e0i li\u1ec7u c\u0169 c\u00f3 th\u1ec3 gi\u1ea3i th\u00edch c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c gi\u1edbi h\u1ea1n ho\u1eb7c th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3, nh\u01b0ng kh\u00f4ng x\u00e1c nh\u1eadn n\u1ed9i dung \u01b0u \u0111\u00e3i hi\u1ec7n t\u1ea1i. <strong>Mua t\u00e0i li\u1ec7u \u00e1p d\u1ee5ng cho ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn<\/strong> v\u00e0 h\u00e3y ki\u1ec3m tra ng\u00e0y th\u00e1ng ho\u1eb7c m\u00e3 s\u1ed1 c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) k\u00e8m theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"podsumowanie\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i \u2014 t\u00f3m t\u1eaft<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c l\u1ef1a ch\u1ecdn m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c x\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan m\u00e0 t\u00e0i li\u1ec7u n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c tr\u00ecnh l\u00ean. B\u01b0\u1edbc ti\u1ebfp theo l\u00e0 so s\u00e1nh c\u00e1c th\u00f4ng s\u1ed1 ch\u00ednh, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u00e1p d\u1ee5ng, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 th\u1ee7 t\u1ee5c x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. Kh\u00f4ng n\u00ean d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m, m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01a1n l\u1ebb hay c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m \u0111\u00e3 l\u1ed7i th\u1eddi \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin ch\u00ednh x\u00e1c c\u1ee7a sinh vi\u00ean, ch\u1ecdn c\u00e1c m\u1ed1c th\u1eddi gian c\u1ea7n thi\u1ebft v\u00e0 t\u00ecm hi\u1ec3u k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u \u0111i k\u00e8m v\u1edbi t\u1eebng g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3. Sau khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u1ea5p, h\u00e3y ghi l\u1ea1i s\u1ed1 h\u1ee3p \u0111\u1ed3ng, th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a trung t\u00e2m c\u1ea5p c\u1ee9u v\u00e0 h\u01b0\u1edbng d\u1eabn c\u00e1ch th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1. Nh\u1edd \u0111\u00f3, h\u1ed3 s\u01a1 c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp g\u1ecdn g\u00e0ng v\u00e0 vi\u1ec7c x\u1eed l\u00fd trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p s\u1ebd tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n r\u1ea5t nhi\u1ec1u.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/polisa-obcokrajowca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">T\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m d\u00e0nh cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i v\u00e0o n\u0103m 2026 c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi c\u1ea3 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa l\u1eabn nh\u1eefng nhu c\u1ea7u th\u1ef1c t\u1ebf trong qu\u00e1 tr\u00ecnh h\u1ecdc 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