{"id":3664,"date":"2026-05-26T15:50:34","date_gmt":"2026-05-26T13:50:34","guid":{"rendered":"https:\/\/insurancepoland.pl\/nieskategoryzowane\/ubezpieczenie-do-wizy-schengen-wymagania-polis\/"},"modified":"2026-09-04T23:33:33","modified_gmt":"2026-09-04T21:33:33","slug":"bao-hiem-cho-thi-thuc-schengen-yeu-cau-doi-voi-hop-dong-bao-hiem","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/vi\/poradnik\/wizy-i-dokumenty\/ubezpieczenie-do-wizy-schengen-wymagania-polis\/","title":{"rendered":"B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen \u2013 c\u00e1c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Th\u1ebb Schengen<\/strong> \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c khi xin th\u1ecb th\u1ef1c Schengen, nh\u1eb1m chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 ch\u0103m s\u00f3c y t\u1ebf trong th\u1eddi gian l\u01b0u tr\u00fa. \u0110\u1ed1i v\u1edbi h\u1ea7u h\u1ebft c\u00e1c \u1ee9ng vi\u00ean, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 t\u00e0i li\u1ec7u n\u00e0y ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u l\u00e3nh s\u1ef1, bao g\u1ed3m m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u 30.000 euro v\u00e0 ph\u1ea1m vi l\u00e3nh th\u1ed5 ph\u00f9 h\u1ee3p. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch b\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c Schengen l\u00e0 g\u00ec, c\u00e1c y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m Schengen, nh\u1eefng n\u1ed9i dung b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 v\u00e0 v\u00ed d\u1ee5 v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen trong th\u1ef1c t\u1ebf.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"M\u1ee5c l\u1ee5c\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">M\u1ee5c l\u1ee5c<\/h4>\n<ol>\n<li><a href=\"#czym-jest-ubezpieczenie-schengen\">B\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c Schengen l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jakie-sa-wymagania\">C\u00e1c y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m Schengen l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#co-powinna-zawierac-polisa\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m nh\u1eefng g\u00ec?<\/a><\/li>\n<li><a href=\"#przyklad-polisy-schengen\">M\u1ed9t m\u1eabu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<li><a href=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-ubezpieczenie-schengen\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c Schengen l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m du l\u1ecbch d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng thu\u1ed9c khu v\u1ef1c Schengen \u0111ang n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c. M\u1ee5c \u0111\u00edch c\u1ee7a lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0 \u0111\u1ec3 x\u00e1c nh\u1eadn r\u1eb1ng du kh\u00e1ch s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 <a href=\"https:\/\/insurancepoland.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/a> trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n trong th\u1eddi gian l\u01b0u tr\u00fa.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, l\u00e3nh s\u1ef1 qu\u00e1n ho\u1eb7c trung t\u00e2m th\u1ecb th\u1ef1c kh\u00f4ng ch\u1ec9 \u0111\u00e1nh gi\u00e1 vi\u1ec7c c\u00f3 hay kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00e0 c\u00f2n xem x\u00e9t m\u1ee9c \u0111\u1ed9 tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng bao g\u1ed3m m\u1ee9c b\u1ed3i th\u01b0\u1eddng, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c v\u00e0 ph\u1ea1m vi \u0111\u1ecba l\u00fd. Theo d\u1eef li\u1ec7u s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ti\u00eau chu\u1ea9n c\u00f3 m\u1ee9c b\u1ea3o hi\u1ec3m 30.000 euro ho\u1eb7c 60.000 euro, bao g\u1ed3m c\u00e1c qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen.<\/p>\n<p>Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ed9t ph\u1ee5 ki\u1ec7n \u0111i k\u00e8m cho chuy\u1ebfn \u0111i. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng t\u00e0i li\u1ec7u c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh t\u00ednh \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a h\u1ed3 s\u01a1 xin visa. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c th\u00f4ng tin \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong ph\u1ea7n <a href=\"https:\/\/insurancepoland.pl\/vi\/bao-hiem-cho-thi-thuc\/\">b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c<\/a> v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng t\u00e0i li\u1ec7u \u0111\u00f3 \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ea1i s\u1ee9 qu\u00e1n, l\u00e3nh s\u1ef1 qu\u00e1n v\u00e0 trung t\u00e2m th\u1ecb th\u1ef1c ch\u1ea5p nh\u1eadn.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu b\u1ea1n \u0111ang n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c, h\u00e3y ch\u1ec9 mua b\u1ea3o hi\u1ec3m sau khi \u0111\u00e3 ki\u1ec3m tra xem ch\u00ednh s\u00e1ch \u0111\u00f3 c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia \u0111i\u1ec3m \u0111\u1ebfn trong khu v\u1ef1c Schengen hay kh\u00f4ng.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-sa-wymagania\" class=\"kt-adv-heading\">C\u00e1c y\u00eau c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m Schengen l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp nhi\u1ec1u nh\u1ea5t l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u. C\u1ee5m t\u1eeb \u201ch\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen 30.000 euro\u201d kh\u00f4ng ph\u1ea3i l\u00e0 ng\u1eabu nhi\u00ean, b\u1edfi v\u00ec m\u1ee9c b\u1ea3o hi\u1ec3m n\u00e0y ch\u00ednh l\u00e0 m\u1ee9c t\u1ed1i thi\u1ec3u ti\u00eau chu\u1ea9n khi xin th\u1ecb th\u1ef1c. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ed1i thi\u1ec3u 30.000 euro cho m\u1ed7i s\u1ef1 c\u1ed1 v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 c\u1ed1 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>\u0110i\u1ec1u ki\u1ec7n quan tr\u1ecdng th\u1ee9 hai l\u00e0 ph\u1ea1m vi l\u00e3nh th\u1ed5. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean l\u00e3nh th\u1ed5 c\u00e1c qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen trong to\u00e0n b\u1ed9 th\u1eddi gian du l\u1ecbch \u0111\u00e3 khai b\u00e1o. T\u00ednh li\u00ean t\u1ee5c c\u1ee7a b\u1ea3o hi\u1ec3m c\u0169ng r\u1ea5t quan tr\u1ecdng. H\u1ee3p \u0111\u1ed3ng kh\u00f4ng \u0111\u01b0\u1ee3c b\u1eaft \u0111\u1ea7u sau ng\u00e0y nh\u1eadp c\u1ea3nh ho\u1eb7c k\u1ebft th\u00fac tr\u01b0\u1edbc ng\u00e0y xu\u1ea5t c\u1ea3nh.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng th\u01b0\u1eddng ch\u00fa \u00fd xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u1ed1m \u0111\u1ed9t ng\u1ed9t, h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, h\u1ed3i h\u01b0\u01a1ng v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf hay kh\u00f4ng. M\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m c\u0169ng bao g\u1ed3m d\u1ecbch v\u1ee5 nha khoa kh\u1ea9n c\u1ea5p v\u1edbi m\u1ee9c chi tr\u1ea3 gi\u1edbi h\u1ea1n. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c quy \u0111\u1ecbnh khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 y t\u1ebf sau khi \u0111\u1ebfn n\u01a1i, h\u00e3y tham kh\u1ea3o th\u00eam t\u00e0i li\u1ec7u v\u1ec1 <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/he-thong-cham-soc-suc-khoe\/\">h\u1ec7 th\u1ed1ng y t\u1ebf<\/a> t\u1ea1i Ba Lan.<\/p>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u:<\/strong> \u00edt nh\u1ea5t 30.000 euro.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>L\u00e3nh th\u1ed5:<\/strong> t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi gian:<\/strong> Th\u1eddi gian l\u01b0u tr\u00fa \u0111\u1ea7y \u0111\u1ee7 m\u00e0 kh\u00f4ng c\u00f3 kho\u1ea3ng th\u1eddi gian gi\u00e1n \u0111o\u1ea1n trong vi\u1ec7c b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi:<\/strong> chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, h\u1ed7 tr\u1ee3 y t\u1ebf, v\u1eadn chuy\u1ec3n v\u00e0 h\u1ed3i h\u01b0\u01a1ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u00e0i li\u1ec7u:<\/strong> B\u1ea3n sao r\u00f5 r\u00e0ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u1ec3 n\u1ed9p k\u00e8m theo \u0111\u01a1n xin.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"co-powinna-zawierac-polisa\" class=\"kt-adv-heading\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m nh\u1eefng g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e2u h\u1ecfi v\u1ec1 nh\u1eefng n\u1ed9i dung c\u1ea7n c\u00f3 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1eb7t ra r\u1ea5t nhi\u1ec1u, b\u1edfi v\u00ec m\u1ee9c b\u1ed3i th\u01b0\u1eddng 30.000 euro s\u1ebd kh\u00f4ng \u0111\u1ee7 n\u1ebfu ph\u1ea1m vi b\u1ea3o hi\u1ec3m qu\u00e1 h\u1eb9p. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t c\u1ea7n n\u00eau r\u00f5 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u00e1c qu\u1ed1c gia \u00e1p d\u1ee5ng, m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 ph\u1ea7n c\u01a1 b\u1ea3n. Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y bao g\u1ed3m h\u1ed7 tr\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m ho\u1eb7c g\u1eb7p tai n\u1ea1n. Trong c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m Schengen, ng\u01b0\u1eddi ta c\u00f2n th\u1ea5y c\u00e1c th\u00e0nh ph\u1ea7n b\u1ed5 sung nh\u01b0 b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 (assistance). B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) \u00e1p d\u1ee5ng cho c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, c\u00f2n d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 (assistance) bao g\u1ed3m vi\u1ec7c t\u1ed5 ch\u1ee9c c\u1ee9u tr\u1ee3, li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u c\u0169ng nh\u01b0 h\u1ed7 tr\u1ee3 trong qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb ho\u1eb7c v\u1eadn chuy\u1ec3n.<\/p>\n<p>B\u1ea1n n\u00ean \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m. Theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p th\u01b0\u1eddng b\u1ecb lo\u1ea1i tr\u1eeb bao g\u1ed3m thi\u1ec7t h\u1ea1i do chi\u1ebfn tranh, h\u00e0nh vi c\u1ed1 \u00fd, m\u1ed9t s\u1ed1 m\u00f4n th\u1ec3 thao m\u1ea1o hi\u1ec3m ho\u1eb7c c\u00e1c chi ph\u00ed ph\u00e1t sinh m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 li\u00ean h\u1ec7 tr\u01b0\u1edbc v\u1edbi trung t\u00e2m kh\u1ea9n c\u1ea5p. \u0110i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng, b\u1edfi v\u00ec m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 v\u1ebb nh\u01b0 r\u1ea5t to\u00e0n di\u1ec7n c\u0169ng c\u00f3 th\u1ec3 kh\u00f4ng \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c trong m\u1ecdi t\u00ecnh hu\u1ed1ng.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 C\u1ea7n l\u01b0u \u00fd \u0111i\u1ec1u g\u00ec<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) y\u00eau c\u1ea7u ph\u1ea3i li\u00ean h\u1ec7 tr\u01b0\u1edbc v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u, vi\u1ec7c t\u1ef1 chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb m\u00e0 kh\u00f4ng th\u00f4ng b\u00e1o tr\u01b0\u1edbc c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"przyklad-polisy-schengen\" class=\"kt-adv-heading\">M\u1ed9t m\u1eabu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00f3 th\u1ec3 m\u00f4 t\u1ea3 m\u1ed9t v\u00ed d\u1ee5 v\u1ec1 b\u1ea3o hi\u1ec3m Schengen th\u00f4ng qua m\u1ed9t m\u00f4 h\u00ecnh \u0111\u01a1n gi\u1ea3n. Gi\u1ea3 s\u1eed m\u1ed9t ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa 20 ng\u00e0y t\u1ea1i Ba Lan v\u00e0 \u0110\u1ee9c. Ng\u01b0\u1eddi n\u00e0y ch\u1ecdn m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean to\u00e0n khu v\u1ef1c Schengen, v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m 30.000 euro, bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb do b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 tai n\u1ea1n, h\u1ed7 tr\u1ee3 nha khoa kh\u1ea9n c\u1ea5p trong gi\u1edbi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh, h\u1ed3i h\u01b0\u01a1ng v\u00e0 v\u1eadn chuy\u1ec3n thi th\u1ec3.<\/p>\n<p>G\u00f3i b\u1ea3o hi\u1ec3m m\u1edf r\u1ed9ng c\u00f3 th\u1ec3 bao g\u1ed3m m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a 60.000 euro thay v\u00ec m\u1ee9c t\u1ed1i thi\u1ec3u, c\u00f9ng v\u1edbi g\u00f3i h\u1ed7 tr\u1ee3 to\u00e0n di\u1ec7n h\u01a1n. L\u1ef1a ch\u1ecdn n\u00e0y th\u01b0\u1eddng ph\u00f9 h\u1ee3p khi chuy\u1ebfn \u0111i k\u00e9o d\u00e0i, \u0111i qua nhi\u1ec1u qu\u1ed1c gia ho\u1eb7c d\u00e0nh cho ng\u01b0\u1eddi cao tu\u1ed5i. B\u1ea3n th\u00e2n v\u0103n b\u1ea3n h\u1ee3p \u0111\u1ed3ng ph\u1ea3i ghi r\u00f5 s\u1ed1 h\u1ee3p \u0111\u1ed3ng, th\u00f4ng tin c\u1ee7a b\u00ean ph\u00e1t h\u00e0nh, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 x\u00e1c nh\u1eadn r\u1eb1ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i khu v\u1ef1c y\u00eau c\u1ea7u.<\/p>\n<p>Tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean so s\u00e1nh g\u00f3i b\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u tr\u00ean trang web, v\u00ed d\u1ee5 nh\u01b0 trong ph\u1ea7n h\u01b0\u1edbng d\u1eabn <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/bao-hiem-y-te\/bao-hiem-tu-nhan-hay-bao-hiem-y-te-quoc-gia-nfz-danh-cho-nguoi-nuoc-ngoai\/\">B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n hay B\u1ea3o hi\u1ec3m Y t\u1ebf Qu\u1ed1c gia (NFZ)<\/a> v\u00e0 trong b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/insurancepoland.pl\/vi\/bao-hiem-cho-the-cu-tru\/\">b\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a>. \u0110i\u1ec1u n\u00e0y gi\u00fap ph\u00e2n bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m du l\u1ecbch v\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft cho nh\u1eefng chuy\u1ebfn l\u01b0u tr\u00fa d\u00e0i ng\u00e0y t\u1ea1i Ba Lan.<\/p>\n<h3>C\u00e1c th\u00e0nh ph\u1ea7n m\u1eabu c\u1ee7a t\u00e0i li\u1ec7u<\/h3>\n<p>M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c ti\u00eau chu\u1ea9n th\u01b0\u1eddng bao g\u1ed3m h\u1ecd t\u00ean, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, khu v\u1ef1c \u00e1p d\u1ee5ng, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 danh s\u00e1ch c\u00e1c quy\u1ec1n l\u1ee3i. H\u1ee3p \u0111\u1ed3ng c\u0169ng c\u1ea7n n\u00eau r\u00f5 t\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin li\u00ean h\u1ec7 c\u1ee7a trung t\u00e2m h\u1ed7 tr\u1ee3. \u0110\u1ed1i v\u1edbi c\u01a1 quan ch\u1ee9c n\u0103ng, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 t\u00e0i li\u1ec7u ph\u1ea3i r\u00f5 r\u00e0ng v\u00e0 c\u00f3 th\u1ec3 x\u00e1c minh m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>B\u1ea3o hi\u1ec3m du l\u1ecbch cho th\u1ecb th\u1ef1c Schengen c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, tr\u00ean th\u1ef1c t\u1ebf, \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng t\u00e0i li\u1ec7u c\u01a1 b\u1ea3n c\u1ea7n thi\u1ebft cho \u0111\u01a1n xin th\u1ecb th\u1ef1c Schengen. Gi\u1ea5y b\u1ea3o hi\u1ec3m n\u00e0y nh\u1eb1m x\u00e1c nh\u1eadn r\u1eb1ng du kh\u00e1ch \u0111\u00e3 c\u00f3 s\u1ef1 b\u1ea3o \u0111\u1ea3m v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa.<\/p>\n<h3>M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u c\u1ea7n thi\u1ebft \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen l\u00e0 bao nhi\u00eau?<\/h3>\n<p>M\u1ee9c t\u1ed1i thi\u1ec3u ti\u00eau chu\u1ea9n l\u00e0 30.000 euro. Ch\u00ednh v\u00ec v\u1eady m\u00e0 c\u1ee5m t\u1eeb \u201cb\u1ea3o hi\u1ec3m Schengen 30.000 euro\u201d th\u01b0\u1eddng \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn. M\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n, v\u00ed d\u1ee5 nh\u01b0 60.000 euro, c\u00f3 th\u1ec3 mang l\u1ea1i c\u1ea3m gi\u00e1c an t\u00e2m h\u01a1n.<\/p>\n<h3>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c trong su\u1ed1t th\u1eddi gian d\u1ef1 ki\u1ebfn c\u1ee7a chuy\u1ebfn \u0111i. N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia \u0111i\u1ec3m \u0111\u1ebfn, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 coi t\u00e0i li\u1ec7u \u0111\u00f3 l\u00e0 kh\u00f4ng \u0111\u1ee7.<\/p>\n<h3>B\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/h3>\n<p>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00f9ng c\u00e1c quy\u1ec1n l\u1ee3i li\u00ean quan \u0111\u1ebfn h\u1ed7 tr\u1ee3 y t\u1ebf v\u00e0 h\u1ed3i h\u01b0\u01a1ng. B\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c xem l\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, ch\u00fang gi\u00fap t\u0103ng c\u01b0\u1eddng gi\u00e1 tr\u1ecb c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3.<\/p>\n<h3>B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen ph\u1ea3i bao g\u1ed3m nh\u1eefng g\u00ec?<\/h3>\n<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n bao g\u1ed3m th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u00e1p d\u1ee5ng, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi quy\u1ec1n l\u1ee3i. Ngo\u00e0i ra, t\u00e0i li\u1ec7u n\u00e0y c\u0169ng n\u00ean ghi r\u00f5 s\u1ed1 h\u1ee3p \u0111\u1ed3ng v\u00e0 th\u00f4ng tin c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u00eam c\u00e1c c\u00e2u tr\u1ea3 l\u1eddi h\u1eefu \u00edch trong ph\u1ea7n <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/cau-hoi-thuong-gap-va-loi-khuyen\/\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u00e0 l\u1eddi khuy\u00ean<\/a>.<\/p>\n<h3>Ch\u1ec9 c\u00f3 b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u00f4i c\u00f3 \u0111\u1ee7 kh\u00f4ng?<\/h3>\n<p>\u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00e0 duy nh\u1ea5t. C\u00e1c L\u00e3nh s\u1ef1 qu\u00e1n c\u0169ng ch\u00fa \u00fd \u0111\u1ebfn vi\u1ec7c v\u1eadn chuy\u1ec3n y t\u1ebf, h\u1ed3i h\u01b0\u01a1ng, c\u0169ng nh\u01b0 vi\u1ec7c gi\u1ea5y t\u1edd c\u00f3 tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 \u0111\u1ecba l\u00fd v\u00e0 th\u1eddi gian hay kh\u00f4ng.<\/p>\n<h3>C\u1ea7n n\u1ed9p nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o k\u00e8m theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n c\u1ea7n \u0111\u00ednh k\u00e8m b\u1ea3n in h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m c\u00f9ng v\u1edbi c\u00e1c t\u00e0i li\u1ec7u xin th\u1ecb th\u1ef1c kh\u00e1c. B\u1ea1n n\u00ean ki\u1ec3m tra danh s\u00e1ch c\u1eadp nh\u1eadt t\u1ea1i L\u00e3nh s\u1ef1 qu\u00e1n c\u1ee5 th\u1ec3, v\u00ec quy \u0111\u1ecbnh c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo qu\u1ed1c gia n\u01a1i n\u1ed9p \u0111\u01a1n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen c\u1ea7n ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c \u0111\u1ed3ng th\u1eddi ph\u1ea3i th\u1ef1c s\u1ef1 h\u1eefu \u00edch trong chuy\u1ebfn \u0111i th\u1ef1c t\u1ebf. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t bao g\u1ed3m m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i thi\u1ec3u 30.000 euro, ph\u1ea1m vi \u0111\u1ecba l\u00fd ph\u00f9 h\u1ee3p, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7 c\u00f9ng c\u00e1c quy\u1ec1n l\u1ee3i bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, v\u1eadn chuy\u1ec3n v\u00e0 h\u1ed3i h\u01b0\u01a1ng. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra nh\u1eefng g\u00ec b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m, \u0111\u1ecdc \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch v\u00e0 th\u1eddi gian c\u1ee7a chuy\u1ebfn \u0111i. \u0110\u00e2y l\u00e0 c\u00e1ch \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 t\u0103ng c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c c\u1ea5p th\u1ecb th\u1ef1c v\u00e0 c\u00f3 m\u1ed9t chuy\u1ebfn \u0111i an t\u00e2m h\u01a1n.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m Schengen l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c khi xin th\u1ecb th\u1ef1c Schengen, nh\u1eb1m chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 ch\u0103m s\u00f3c y t\u1ebf trong th\u1eddi gian l\u01b0u tr\u00fa\u2026.<\/p>","protected":false},"author":2,"featured_media":3663,"comment_status":"closed","ping_status":"","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":[15],"tags":[27,24,32,25,29],"class_list":["post-3664","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wizy-i-dokumenty","tag-koszty-leczenia-cudzoziemca","tag-okres-ubezpieczenia","tag-prywatna-polisa-zdrowotna","tag-ubezpieczenie-dla-cudzoziemca","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- 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