{"id":3676,"date":"2026-06-17T16:58:47","date_gmt":"2026-06-17T14:58:47","guid":{"rendered":"https:\/\/insurancepoland.pl\/nieskategoryzowane\/ubezpieczenie-do-karty-pobytu-suma-i-zakres\/"},"modified":"2026-09-04T23:41:27","modified_gmt":"2026-09-04T21:41:27","slug":"bao-hiem-kem-theo-the-cu-tru-muc-bao-hiem-va-pham-vi-bao-hiem","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/vi\/poradnik\/ubezpieczenia-zdrowotne\/ubezpieczenie-do-karty-pobytu-suma-i-zakres\/","title":{"rendered":"B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa \u2013 m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>B\u1ea3o hi\u1ec3m cho th\u1ebb c\u01b0 tr\u00fa<\/strong> \u0110\u00e2y l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o ngu\u1ed3n t\u00e0i ch\u00ednh cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Tr\u00ean th\u1ef1c t\u1ebf, khi n\u1ed9p \u0111\u01a1n xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa, ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n c\u1ea7n c\u00f3 g\u00f3i b\u1ea3o hi\u1ec3m bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa v\u00e0 n\u1ed9i tr\u00fa, \u0111\u1ed3ng th\u1eddi ph\u1ea3i \u0111\u00e1p \u1ee9ng m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u quy \u0111\u1ecbnh. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o th\u01b0\u1eddng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng nh\u1ea5t, ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb v\u00e0 nh\u1eadp vi\u1ec7n c\u1ea7n c\u00f3 nh\u01b0 th\u1ebf n\u00e0o, c\u0169ng nh\u01b0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1.<\/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\">B\u1ea3o hi\u1ec3m th\u1ebb c\u01b0 tr\u00fa l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#minimalna-suma\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 bao nhi\u00eau?<\/a><\/li>\n<li><a href=\"#wymagany-zakres\">M\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 c\u1ea7n thi\u1ebft l\u00e0 bao nhi\u00eau?<\/a><\/li>\n<li><a href=\"#jak-sprawdzic-polise\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u hay kh\u00f4ng?<\/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\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m th\u1ebb c\u01b0 tr\u00fa l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa l\u00e0 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o chi ph\u00ed ch\u0103m s\u00f3c y t\u1ebf trong th\u1eddi gian c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p t\u1ea1i Ba Lan. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m k\u00e8m theo gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa n\u00e0y l\u00e0 m\u1ed9t trong nh\u1eefng ph\u1ee5 l\u1ee5c quan tr\u1ecdng khi n\u1ed9p \u0111\u01a1n. C\u01a1 quan ch\u1ee9c n\u0103ng kh\u00f4ng ch\u1ec9 ki\u1ec3m tra vi\u1ec7c ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 b\u1ea3o hi\u1ec3m hay kh\u00f4ng, m\u00e0 c\u00f2n ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u00ean bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb li\u00ean quan \u0111\u1ebfn b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n. Trong nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, nh\u1eadp vi\u1ec7n, ph\u1eabu thu\u1eadt, c\u00e1c x\u00e9t nghi\u1ec7m ch\u1ea9n \u0111o\u00e1n, mua thu\u1ed1c v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. C\u0169ng c\u1ea7n ph\u00e2n bi\u1ec7t gi\u1eefa h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m du l\u1ecbch v\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho nh\u1eefng ng\u01b0\u1eddi \u0111ang l\u00e0m th\u1ee7 t\u1ee5c xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa. Tr\u00ean trang web <a href=\"https:\/\/insurancepoland.pl\/vi\/bao-hiem-cho-the-cu-tru\/\">b\u1ea3o hi\u1ec3m cho th\u1ebb c\u01b0 tr\u00fa<\/a> c\u00f3 th\u1ec3 th\u1ea5y nh\u1eefng lo\u1ea1i s\u1ea3n ph\u1ea9m n\u00e0o th\u01b0\u1eddng \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn nh\u1ea5t cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady.<\/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\">Ch\u1ec9 ri\u00eang t\u00ean c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7. \u0110\u1ed1i v\u1edbi c\u01a1 quan ch\u1ee9c n\u0103ng, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 v\u1ec1 ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb, th\u1eddi gian n\u1eb1m vi\u1ec7n v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"minimalna-suma\" class=\"kt-adv-heading\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 bao nhi\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 m\u1ed9t trong nh\u1eefng ti\u00eau ch\u00ed quan tr\u1ecdng nh\u1ea5t m\u00e0 c\u01a1 quan ch\u1ee9c n\u0103ng xem x\u00e9t. Trong b\u1ed1i c\u1ea3nh l\u01b0u tr\u00fa c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, th\u00f4ng th\u01b0\u1eddng y\u00eau c\u1ea7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ea3m b\u1ea3o m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u l\u00e0 30.000 euro. \u0110\u00e2y l\u00e0 m\u1ee9c t\u1ed1i thi\u1ec3u th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd c\u01b0 tr\u00fa v\u00e0 th\u1ecb th\u1ef1c, do \u0111\u00f3, n\u1ebfu s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m qu\u00e1 th\u1ea5p c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb y\u00eau c\u1ea7u b\u1ed5 sung th\u00f4ng tin ho\u1eb7c gi\u1ea5y t\u1edd b\u1ecb t\u1eeb ch\u1ed1i.<\/p>\n<p>C\u1ea7n l\u01b0u \u00fd r\u1eb1ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 s\u1ed1 ti\u1ec1n t\u1ed1i \u0111a m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. Trong tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i nh\u1eadp vi\u1ec7n ho\u1eb7c ph\u1eabu thu\u1eadt nghi\u00eam tr\u1ecdng, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m qu\u00e1 th\u1ea5p c\u00f3 th\u1ec3 nhanh ch\u00f3ng c\u1ea1n ki\u1ec7t. Do \u0111\u00f3, khi l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa, s\u1ebd an to\u00e0n h\u01a1n n\u1ebfu kh\u00f4ng ch\u1ec9 xem x\u00e9t m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n \u0111\u00e1nh gi\u00e1 t\u00ednh th\u1ef1c ti\u1ec5n c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Vi\u1ec7c so s\u00e1nh v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 t\u1ea1i <a href=\"https:\/\/insurancepoland.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>, nh\u1eb1m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 r\u1ee7i ro t\u00e0i ch\u00ednh khi kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/p>\n<h3>T\u1ea1i sao s\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u l\u1ea1i quan tr\u1ecdng?<\/h3>\n<p>Vi\u1ec7c nh\u1eadp vi\u1ec7n, ph\u1eabu thu\u1eadt ho\u1eb7c \u0111i\u1ec1u tr\u1ecb t\u1ea1i khoa c\u1ea5p c\u1ee9u c\u00f3 th\u1ec3 ph\u00e1t sinh chi ph\u00ed cao trong th\u1eddi gian ng\u1eafn. N\u1ebfu m\u1ee9c b\u1ea3o hi\u1ec3m qu\u00e1 th\u1ea5p, kho\u1ea3n b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 chi tr\u1ea3 to\u00e0n b\u1ed9 c\u00e1c chi ph\u00ed y t\u1ebf. V\u00ec l\u00fd do n\u00e0y, c\u01a1 quan ch\u1ee9c n\u0103ng y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u1ef1c s\u1ef1 \u0111\u1ea3m b\u1ea3o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, ch\u1ee9 kh\u00f4ng ch\u1ec9 t\u1ed3n t\u1ea1i tr\u00ean danh ngh\u0129a.<\/p>\n<h3>C\u1ea7n l\u01b0u \u00fd \u0111i\u1ec1u g\u00ec khi x\u00e1c \u0111\u1ecbnh m\u1ee9c b\u1ea3o hi\u1ec3m?<\/h3>\n<p>C\u1ea7n ki\u1ec3m tra xem s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c n\u00eau c\u00f3 li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb hay kh\u00f4ng, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 c\u00e1c kho\u1ea3n ph\u1ee5 c\u1ea5p nh\u01b0 b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) hay b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC). \u0110\u00f4i khi qu\u1ea3ng c\u00e1o s\u1ea3n ph\u1ea9m n\u00eau ra nh\u1eefng con s\u1ed1 cao, nh\u01b0ng \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t \u0111\u1ed1i v\u1edbi th\u1ebb c\u01b0 tr\u00fa ch\u00ednh l\u00e0 t\u1ed5ng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 nh\u1eadp vi\u1ec7n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"wymagany-zakres\" class=\"kt-adv-heading\">M\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 c\u1ea7n thi\u1ebft l\u00e0 bao nhi\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb v\u00e0 nh\u1eadp vi\u1ec7n c\u1ea7n ph\u1ea3i thi\u1ebft th\u1ef1c v\u00e0 r\u00f5 r\u00e0ng. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i bao g\u1ed3m \u00edt nh\u1ea5t c\u00e1c d\u1ecbch v\u1ee5: t\u01b0 v\u1ea5n y t\u1ebf, x\u00e9t nghi\u1ec7m ch\u1ea9n \u0111o\u00e1n, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, n\u1eb1m vi\u1ec7n, ph\u1eabu thu\u1eadt, c\u00e1c th\u1ee7 thu\u1eadt c\u1ea7n thi\u1ebft v\u00e0 thu\u1ed1c \u0111\u01b0\u1ee3c k\u00ea \u0111\u01a1n sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. Trong c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m, th\u01b0\u1eddng c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u1ec1 vi\u1ec7c trung t\u00e2m c\u1ea5p c\u1ee9u t\u1ed5 ch\u1ee9c \u0111i\u1ec1u tr\u1ecb v\u00e0 thanh to\u00e1n c\u00e1c kho\u1ea3n chi ph\u00ed b\u1ea3o hi\u1ec3m theo h\u00ecnh th\u1ee9c kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n<p>C\u00e1c \u0111i\u1ec1u kho\u1ea3n li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa v\u00e0 n\u1ed9i tr\u00fa \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng. Trong c\u00e1c t\u00e0i li\u1ec7u \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), c\u00f3 quy \u0111\u1ecbnh r\u1eb1ng b\u1ea3o hi\u1ec3m chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa v\u00e0 ph\u1eabu thu\u1eadt, c\u0169ng nh\u01b0 ch\u1ea9n \u0111o\u00e1n v\u00e0 c\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa. Ch\u00ednh nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y \u0111\u00e1p \u1ee9ng t\u1ed1t nh\u1ea5t c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng khi n\u00f3i \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. N\u1ebfu b\u1ea1n mu\u1ed1n so s\u00e1nh gi\u1ea3i ph\u00e1p n\u00e0y v\u1edbi c\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m kh\u00e1c, h\u00e3y tham kh\u1ea3o t\u00e0i li\u1ec7u <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>.<\/p>\n<h3>C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t trong ph\u1ea1m vi<\/h3>\n<\/div>\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>\u0110i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa:<\/strong> kh\u00e1m b\u1ec7nh, ch\u1ea9n \u0111o\u00e1n c\u01a1 b\u1ea3n v\u00e0 c\u00e1c th\u1ee7 thu\u1eadt nh\u1ecf kh\u00f4ng c\u1ea7n nh\u1eadp vi\u1ec7n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Nh\u1eadp vi\u1ec7n:<\/strong> th\u1eddi gian n\u1eb1m vi\u1ec7n, ch\u0103m s\u00f3c y t\u1ebf, c\u00e1c th\u1ee7 thu\u1eadt v\u00e0 \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft sau khi \u0111\u1ed9t ng\u1ed9t m\u1eafc b\u1ec7nh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c thao t\u00e1c:<\/strong> c\u00e1c d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn ph\u1eabu thu\u1eadt, khi ch\u00fang l\u00e0 c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Thu\u1ed1c v\u00e0 b\u0103ng g\u1ea1c:<\/strong> chi ph\u00ed cho c\u00e1c bi\u1ec7n ph\u00e1p c\u1ea7n thi\u1ebft sau khi kh\u00e1m b\u1ec7nh ho\u1eb7c \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>V\u1eadn chuy\u1ec3n y t\u1ebf:<\/strong> v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf ho\u1eb7c gi\u1eefa c\u00e1c c\u01a1 s\u1edf y t\u1ebf, n\u1ebfu t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe y\u00eau c\u1ea7u.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ch\u1ee9ng ch\u1ec9 v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u00e0ng r\u00f5 r\u00e0ng th\u00ec vi\u1ec7c ch\u1ee9ng minh r\u1eb1ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng c\u00e0ng d\u1ec5 d\u00e0ng. S\u1ebd t\u1ed1t h\u01a1n n\u1ebfu t\u00e0i li\u1ec7u n\u00e0y n\u00eau r\u00f5 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch tr\u1ef1c ti\u1ebfp, m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i gi\u1ea3i th\u00edch th\u00eam.<\/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\">Tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n, h\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn hay kh\u00f4ng. Ngay c\u1ea3 m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t c\u0169ng c\u00f3 th\u1ec3 b\u1ecb t\u1eeb ch\u1ed1i n\u1ebfu th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m k\u1ebft th\u00fac qu\u00e1 s\u1edbm.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-sprawdzic-polise\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u hay kh\u00f4ng?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>T\u1ed1t nh\u1ea5t l\u00e0 b\u1ea1n n\u00ean ki\u1ec3m tra theo m\u1ed9t danh s\u00e1ch ki\u1ec3m tra \u0111\u01a1n gi\u1ea3n. Th\u1ee9 nh\u1ea5t, h\u00e3y ki\u1ec3m tra th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. Th\u1ee9 hai, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng t\u00e0i li\u1ec7u \u0111\u00f3 ghi r\u00f5 m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. Th\u1ee9 ba, h\u00e3y \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 t\u00ecm c\u00e1c \u0111i\u1ec1u kho\u1ea3n li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, n\u1eb1m vi\u1ec7n, c\u00e1c th\u1ee7 thu\u1eadt y t\u1ebf v\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa. Th\u1ee9 t\u01b0, h\u00e3y ki\u1ec3m tra xem t\u00e0i li\u1ec7u c\u00f3 \u0111\u01b0\u1ee3c l\u1eadp d\u01b0\u1edbi d\u1ea1ng d\u1ec5 \u0111\u1ecdc \u0111\u1ed1i v\u1edbi c\u01a1 quan ch\u1ee9c n\u0103ng hay kh\u00f4ng.<\/p>\n<p>Th\u1ef1c t\u1ebf cho th\u1ea5y, nh\u1eefng v\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p nh\u1ea5t xu\u1ea5t ph\u00e1t t\u1eeb c\u00e1c gi\u1ea5y ch\u1ee9ng nh\u1eadn kh\u00f4ng r\u00f5 r\u00e0ng, m\u1ee9c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb qu\u00e1 th\u1ea5p ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa. C\u0169ng c\u1ea7n l\u01b0u \u00fd xem ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 \u00e1p d\u1ee5ng t\u1ea1i Ba Lan hay kh\u00f4ng v\u00e0 li\u1ec7u c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb n\u00e0o l\u00e0m gi\u1ea3m hi\u1ec7u qu\u1ea3 c\u1ee7a b\u1ea3o hi\u1ec3m hay kh\u00f4ng. Khi chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1, c\u00e1c th\u00f4ng tin li\u00ean quan \u0111\u1ebfn <a href=\"https:\/\/insurancepoland.pl\/vi\/bao-hiem-cho-thi-thuc\/\">B\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c<\/a>, b\u1edfi v\u00ec m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c chi tr\u1ea3 v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 t\u01b0\u01a1ng t\u1ef1 nhau. N\u1ebfu ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i s\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng y t\u1ebf \u0111i\u1ec7n t\u1eed c\u1ee7a Ba Lan, cu\u1ed1n c\u1ea9m nang n\u00e0y c\u0169ng c\u00f3 th\u1ec3 h\u1eefu \u00edch <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/he-thong-cham-soc-suc-khoe\/e-prescription-cho-nguoi-nuoc-ngoai-va-ikp-hoat-dong-nhu-the-nao\/\">\u0110\u01a1n thu\u1ed1c \u0111i\u1ec7n t\u1eed cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n<h3>Danh s\u00e1ch ki\u1ec3m tra ng\u1eafn g\u1ecdn<\/h3>\n<\/div>\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>T\u1ed5ng c\u1ed9ng:<\/strong> li\u1ec7u chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00f3 \u1edf m\u1ee9c \u0111\u1ee7 cao hay kh\u00f4ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi:<\/strong> Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 bao g\u1ed3m d\u1ecbch v\u1ee5 kh\u00e1m ngo\u1ea1i tr\u00fa, \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa v\u00e0 nh\u1eadp vi\u1ec7n kh\u00f4ng?.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi gian:<\/strong> Li\u1ec7u ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 n\u00eau hay kh\u00f4ng?.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>L\u00e3nh th\u1ed5:<\/strong> H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean l\u00e3nh th\u1ed5 Ba Lan kh\u00f4ng?.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u00e0i li\u1ec7u:<\/strong> Gi\u1ea5y ch\u1ee9ng nh\u1eadn c\u00f3 r\u00f5 r\u00e0ng v\u00e0 s\u1eb5n s\u00e0ng \u0111\u1ec3 n\u1ed9p t\u1ea1i c\u01a1 quan ch\u1ee9c n\u0103ng hay kh\u00f4ng.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c x\u00e1c minh n\u00e0y ch\u1ec9 m\u1ea5t v\u00e0i ph\u00fat, nh\u01b0ng c\u00f3 th\u1ec3 gi\u00fap ti\u1ebft ki\u1ec7m r\u1ea5t nhi\u1ec1u th\u1eddi gian trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd h\u00e0nh ch\u00ednh. Trong c\u00e1c v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn c\u01b0 tr\u00fa, \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 gi\u00e1 c\u1ea3, m\u00e0 tr\u00ean h\u1ebft l\u00e0 vi\u1ec7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch m\u00e0 n\u00f3 \u0111\u01b0\u1ee3c xu\u1ea5t tr\u00ecnh hay kh\u00f4ng.<\/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 k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, tr\u00ean th\u1ef1c t\u1ebf, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i ch\u1ee9ng minh r\u1eb1ng h\u1ecd c\u00f3 b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Vi\u1ec7c kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n cho vi\u1ec7c xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa ho\u1eb7c d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb y\u00eau c\u1ea7u b\u1ed5 sung h\u1ed3 s\u01a1.<\/p>\n<h3>M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u c\u1ea7n thi\u1ebft l\u00e0 bao nhi\u00eau?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, ng\u01b0\u1eddi ta cho r\u1eb1ng b\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa ph\u1ea3i \u0111\u1ea3m b\u1ea3o m\u1ee9c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ed1i thi\u1ec3u l\u00e0 30.000 euro. Tuy nhi\u00ean, b\u1ea1n n\u00ean lu\u00f4n ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng nh\u01b0 n\u1ed9i dung c\u1ee7a quy\u1ebft \u0111\u1ecbnh c\u1ee5 th\u1ec3 ho\u1eb7c danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft.<\/p>\n<h3>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i bao g\u1ed3m c\u1ea3 d\u1ecbch v\u1ee5 ngo\u1ea1i tr\u00fa v\u00e0 n\u1ed9i tr\u00fa kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, m\u1ed9t h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7 n\u00ean bao g\u1ed3m c\u1ea3 vi\u1ec7c \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa l\u1eabn \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa. Vi\u1ec7c ch\u1ec9 gi\u1edbi h\u1ea1n ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong m\u1ed9t ph\u1ea1m vi h\u1eb9p c\u00f3 th\u1ec3 l\u00e0 kh\u00f4ng \u0111\u1ee7 khi xem x\u00e9t \u0111\u01a1n xin c\u01b0 tr\u00fa.<\/p>\n<h3>B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 th\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n n\u1ebfu \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng v\u1ec1 m\u1ee9c b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. H\u1ee3p \u0111\u1ed3ng n\u00e0y c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c l\u1eadp th\u00e0nh v\u0103n b\u1ea3n r\u00f5 r\u00e0ng. B\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ecdc th\u00eam v\u1ec1 nh\u1eefng \u0111i\u1ec3m kh\u00e1c bi\u1ec7t trong b\u00e0i vi\u1ebft <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>.<\/p>\n<h3>N\u00ean \u0111\u00ednh k\u00e8m nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o v\u00e0o \u0111\u01a1n xin?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, ng\u01b0\u1eddi ta c\u1ea7n c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0, n\u1ebfu c\u1ea7n, c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) x\u00e1c nh\u1eadn ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb v\u00e0 nh\u1eadp vi\u1ec7n. T\u1ed1t nh\u1ea5t l\u00e0 t\u00e0i li\u1ec7u \u0111\u00f3 n\u00ean ghi r\u00f5 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c v\u00e0 t\u1ed5ng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb.<\/p>\n<h3>Li\u1ec7u g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t c\u00f3 t\u1ed1t kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng h\u1eb3n v\u1eady. G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t c\u00f3 th\u1ec3 c\u00f3 m\u1ee9c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ed1i \u0111a qu\u00e1 th\u1ea5p ho\u1eb7c ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7. Trong c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn c\u01b0 tr\u00fa, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m.<\/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 k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa c\u1ea7n k\u1ebft h\u1ee3p hai y\u1ebfu t\u1ed1: m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u ph\u00f9 h\u1ee3p v\u00e0 ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb v\u00e0 nh\u1eadp vi\u1ec7n th\u1ef1c t\u1ebf. L\u1ef1a ch\u1ecdn an to\u00e0n nh\u1ea5t l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, n\u1eb1m vi\u1ec7n, c\u00e1c th\u1ee7 thu\u1eadt y t\u1ebf v\u00e0 chi ph\u00ed y t\u1ebf tr\u00ean l\u00e3nh th\u1ed5 Ba Lan. Tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n, h\u00e3y ki\u1ec3m tra ch\u1ee9ng ch\u1ec9, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u0169ng nh\u01b0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n mu\u1ed1n tr\u00e1nh c\u00e1c sai s\u00f3t v\u1ec1 th\u1ee7 t\u1ee5c, h\u00e3y ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ph\u00f9 h\u1ee3p v\u1edbi y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng v\u00e0 m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o ngu\u1ed3n t\u00e0i ch\u00ednh cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Tr\u00ean th\u1ef1c t\u1ebf\u2026<\/p>","protected":false},"author":2,"featured_media":3675,"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":[16],"tags":[26,27,23,25,29],"class_list":["post-3676","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenia-zdrowotne","tag-dokumenty-do-karty-pobytu","tag-koszty-leczenia-cudzoziemca","tag-polisa-do-karty-pobytu","tag-ubezpieczenie-dla-cudzoziemca","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- 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minimaln\u0105 sum\u0119, wymagany zakres leczenia i hospitalizacji oraz wymagania urz\u0119du przed wnioskiem.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/bao-hiem-y-te\/bao-hiem-kem-theo-the-cu-tru-muc-bao-hiem-va-pham-vi-bao-hiem\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Poland\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-17T14:58:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-04T21:41:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancepoland.pl\/wp-content\/uploads\/2026\/06\/foto-3.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2528\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"redaktor\" \/>\n<meta name=\"twitter:card\" 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