{"id":3686,"date":"2026-07-08T18:16:19","date_gmt":"2026-07-08T16:16:19","guid":{"rendered":"https:\/\/insurancepoland.pl\/nieskategoryzowane\/minimalna-suma-ubezpieczenia-schengen-2026\/"},"modified":"2026-09-04T23:47:39","modified_gmt":"2026-09-04T21:47:39","slug":"muc-bao-hiem-toi-thieu-theo-hiep-uoc-schengen-nam-2026","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/vi\/poradnik\/prawo-i-przepisy\/minimalna-suma-ubezpieczenia-schengen-2026\/","title":{"rendered":"M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u cho Schengen n\u0103m 2026"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>B\u1ea3o hi\u1ec3m Schengen<\/strong> \u0110\u00e2y l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m du l\u1ecbch b\u1eaft bu\u1ed9c khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c ng\u1eafn h\u1ea1n v\u00e0o khu v\u1ef1c Schengen. M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh Schengen cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf v\u00e0 h\u1ed3i h\u01b0\u01a1ng ph\u1ea3i \u0111\u1ea1t \u00edt nh\u1ea5t 30.000 euro, \u0111\u1ed3ng th\u1eddi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i bao ph\u1ee7 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 thu\u1ed9c khu v\u1ef1c Schengen. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ch\u1ec9 s\u1edf h\u1eefu b\u1ea5t k\u1ef3 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o c\u0169ng ch\u01b0a \u0111\u1ee7. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ef1 tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u l\u00e3nh s\u1ef1 v\u00e0 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m \u0111\u01a1n xin c\u0169ng r\u1ea5t quan tr\u1ecdng. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch \u00fd ngh\u0129a c\u1ee7a c\u00e1c quy \u0111\u1ecbnh 2026, ph\u1ea1m vi b\u1ea3o hi\u1ec3m Schengen c\u1ea7n c\u00f3 nh\u01b0 th\u1ebf n\u00e0o, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c do v\u1ea5n \u0111\u1ec1 b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m.<\/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 Schengen l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jaka-suma-jest-wymagana\">S\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft l\u00e0 bao nhi\u00eau?<\/a><\/li>\n<li><a href=\"#jaki-zakres-musi-miec-polisa\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m nh\u1eefng g\u00ec?<\/a><\/li>\n<li><a href=\"#kiedy-ubezpieczenie-nie-wystarczy\">Khi n\u00e0o th\u00ec b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ee7?<\/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 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 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i s\u1ebd c\u00f3 \u0111\u1ee7 ngu\u1ed3n t\u00e0i ch\u00ednh \u0111\u1ec3 chi tr\u1ea3 c\u00e1c chi ph\u00ed y t\u1ebf kh\u1ea9n c\u1ea5p trong th\u1eddi gian l\u01b0u tr\u00fa. \u0110i\u1ec1u n\u00e0y ch\u1ee7 y\u1ebfu li\u00ean quan \u0111\u1ebfn <strong>b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 h\u1ed3i h\u01b0\u01a1ng<\/strong>, t\u1ee9c l\u00e0 chi tr\u1ea3 c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn b\u1ec7nh t\u1eadt \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n, v\u1eadn chuy\u1ec3n y t\u1ebf c\u0169ng nh\u01b0 vi\u1ec7c h\u1ed3i h\u01b0\u01a1ng v\u1ec1 n\u01b0\u1edbc xu\u1ea5t x\u1ee9 v\u00ec l\u00fd do s\u1ee9c kh\u1ecfe ho\u1eb7c sau khi qua \u0111\u1eddi.<\/p>\n<p>T\u1eeb g\u00f3c \u0111\u1ed9 c\u1ee7a c\u01a1 quan l\u00e3nh s\u1ef1, lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y nh\u1eb1m h\u1ea1n ch\u1ebf r\u1ee7i ro r\u1eb1ng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb s\u1ebd do n\u01b0\u1edbc ti\u1ebfp nh\u1eadn ph\u1ea3i g\u00e1nh ch\u1ecbu. Do \u0111\u00f3, kh\u00f4ng ch\u1ec9 t\u00ean g\u1ecdi c\u1ee7a s\u1ea3n ph\u1ea9m m\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf c\u1ee7a n\u00f3 c\u0169ng r\u1ea5t quan tr\u1ecdng. Trong c\u00e1c t\u00e0i li\u1ec7u gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m, ng\u01b0\u1eddi ta th\u01b0\u1eddng th\u1ea5y c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m Schengen v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m 30.000 euro ho\u1eb7c 60.000 euro. C\u01a1 s\u1edf d\u1eef li\u1ec7u s\u1ea3n ph\u1ea9m c\u0169ng cho th\u1ea5y ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u01b0\u1eddng bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb do tai n\u1ea1n v\u00e0 b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, c\u1ee9u tr\u1ee3 nha khoa kh\u1ea9n c\u1ea5p, h\u1ed3i h\u01b0\u01a1ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u1eadn chuy\u1ec3n thi th\u1ec3 v\u00e0 chi ph\u00ed mua quan t\u00e0i. N\u1ebfu b\u1ea1n mu\u1ed1n bi\u1ebft c\u00e1c \u0111\u1ecba \u0111i\u1ec3m mua th\u1ef1c t\u1ebf, h\u00e3y tham kh\u1ea3o th\u00eam <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/thi-thuc-va-giay-to\/mua-bao-hiem-du-lich-o-dau-7-lua-chon\/\">Mua b\u1ea3o hi\u1ec3m du l\u1ecbch \u1edf \u0111\u00e2u<\/a>.<\/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 L\u1eddi khuy\u00ean quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">Khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c, h\u00e3y ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m ghi r\u00f5 khu v\u1ef1c Schengen, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i thi\u1ec3u 30.000 euro. L\u00e3nh s\u1ef1 qu\u00e1n s\u1ebd xem x\u00e9t t\u00e0i li\u1ec7u n\u00e0y, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o l\u1eddi khai c\u1ee7a ng\u01b0\u1eddi \u0111i du l\u1ecbch.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jaka-suma-jest-wymagana\" class=\"kt-adv-heading\">S\u1ed1 ti\u1ec1n c\u1ea7n thi\u1ebft l\u00e0 bao nhi\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Nguy\u00ean t\u1eafc quan tr\u1ecdng nh\u1ea5t r\u1ea5t \u0111\u01a1n gi\u1ea3n: <strong>B\u1ea3o hi\u1ec3m Schengen tr\u1ecb gi\u00e1 30.000 euro<\/strong> \u0110\u00e2y l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u b\u1eaft bu\u1ed9c khi xin th\u1ecb th\u1ef1c Schengen. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ea5p h\u01a1n m\u1ee9c n\u00e0y. Trong c\u00e1c t\u00e0i li\u1ec7u gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m v\u1ec1 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen, th\u01b0\u1eddng c\u00f3 hai m\u1ee9c b\u1ea3o hi\u1ec3m l\u00e0 30.000 euro v\u00e0 60.000 euro, trong \u0111\u00f3 m\u1ee9c \u0111\u1ea7u ti\u00ean \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u v\u1ec1 th\u1ecb th\u1ef1c.<\/p>\n<p>C\u1ea7n hi\u1ec3u r\u00f5 kh\u00e1i ni\u1ec7m \u201cs\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m\u201d l\u00e0 g\u00ec. \u0110\u00e2y l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi t\u1eebng s\u1ef1 c\u1ed1 ri\u00eang l\u1ebb c\u0169ng nh\u01b0 t\u1ed5ng h\u1ee3p c\u00e1c s\u1ef1 c\u1ed1 trong th\u1eddi gian b\u1ea3o hi\u1ec3m. Kh\u00f4ng n\u00ean nh\u1ea7m l\u1eabn kh\u00e1i ni\u1ec7m n\u00e0y v\u1edbi \u201cs\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh\u201d, v\u1ed1n th\u01b0\u1eddng \u00e1p d\u1ee5ng cho b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC). \u0110\u1ed1i v\u1edbi m\u1ee5c \u0111\u00edch xin th\u1ecb th\u1ef1c, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 h\u1ed3i h\u01b0\u01a1ng m\u1edbi l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t, ch\u1ee9 kh\u00f4ng ph\u1ea3i c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung. V\u00ec l\u00fd do n\u00e0y, m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 c\u00e1c t\u00f9y ch\u1ecdn b\u1ed5 sung h\u1ea5p d\u1eabn nh\u01b0ng m\u1ee9c b\u1ea3o hi\u1ec3m ch\u00ednh qu\u00e1 th\u1ea5p c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u00e1c y\u00eau c\u1ea7u. Nh\u1eefng ng\u01b0\u1eddi \u0111ang so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m y t\u1ebf c\u0169ng c\u00f3 th\u1ec3 tham kh\u1ea3o <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>, nh\u1eb1m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m du l\u1ecbch v\u00e0 b\u1ea3o hi\u1ec3m c\u01b0 tr\u00fa.<\/p>\n<h3>\"T\u1ed1i thi\u1ec3u 30.000 euro\" c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/h3>\n<p>\u0110\u00e2y l\u00e0 m\u1ee9c t\u1ed1i thi\u1ec3u m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ecbu tr\u00e1ch nhi\u1ec7m chi tr\u1ea3 cho c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu chi ph\u00ed nh\u1eadp vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n n\u00e0y, ph\u1ea7n chi ph\u00ed v\u01b0\u1ee3t qu\u00e1 c\u00f3 th\u1ec3 do du kh\u00e1ch t\u1ef1 chi tr\u1ea3. Do \u0111\u00f3, trong tr\u01b0\u1eddng h\u1ee3p th\u1eddi gian l\u01b0u tr\u00fa d\u00e0i h\u01a1n ho\u1eb7c r\u1ee7i ro s\u1ee9c kh\u1ecfe cao h\u01a1n, vi\u1ec7c ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n m\u1ee9c t\u1ed1i thi\u1ec3u quy \u0111\u1ecbnh l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jaki-zakres-musi-miec-polisa\" class=\"kt-adv-heading\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m nh\u1eefng g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ch\u1ec9 ri\u00eang m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh Schengen l\u00e0 ch\u01b0a \u0111\u1ee7 n\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p th\u00edch h\u1ee3p. Theo th\u1ef1c ti\u1ec5n c\u1ea5p th\u1ecb th\u1ef1c v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m Schengen, \u0111i\u1ec1u ki\u1ec7n c\u01a1 b\u1ea3n l\u00e0 ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n trong chuy\u1ebfn \u0111i. Ngo\u00e0i ra, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m chi ph\u00ed h\u1ed3i h\u01b0\u01a1ng v\u00ec l\u00fd do y t\u1ebf v\u00e0 c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi, bao g\u1ed3m c\u1ea3 chi ph\u00ed v\u1eadn chuy\u1ec3n thi th\u1ec3.<\/p>\n<p>Theo d\u1eef li\u1ec7u s\u1ea3n ph\u1ea9m, m\u1ed9t m\u1eabu \u0111i\u1ec3n h\u00ecnh <strong>ph\u1ea1m vi b\u1ea3o hi\u1ec3m Schengen<\/strong> bao g\u1ed3m n\u0103m y\u1ebfu t\u1ed1 ch\u00ednh. \u0110\u00f3 l\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u1ea5p c\u1ee9u nha khoa, h\u1ed3i h\u01b0\u01a1ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u1eadn chuy\u1ec3n thi th\u1ec3 v\u00e0 chi ph\u00ed mua quan t\u00e0i. Ngo\u00e0i ra, ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u0169ng r\u1ea5t quan tr\u1ecdng. B\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 khai b\u00e1o. N\u1ebfu b\u1ea1n c\u0169ng c\u00f3 k\u1ebf ho\u1ea1ch ho\u00e0n t\u1ea5t c\u00e1c th\u1ee7 t\u1ee5c ti\u1ebfp theo t\u1ea1i Ba Lan, cu\u1ed1n c\u1ea9m nang 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>.<\/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>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb:<\/strong> b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n, nh\u1eadp vi\u1ec7n, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ed3i h\u01b0\u01a1ng:<\/strong> v\u1eadn chuy\u1ec3n v\u1ec1 n\u01b0\u1edbc xu\u1ea5t x\u1ee9 ho\u1eb7c n\u01b0\u1edbc c\u01b0 tr\u00fa th\u01b0\u1eddng tr\u00fa.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>V\u1eadn chuy\u1ec3n thi th\u1ec3:<\/strong> \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c trong nhi\u1ec1u \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) ti\u00eau chu\u1ea9n c\u1ee7a Schengen.<\/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 m\u00e0 h\u00e0nh tr\u00ecnh \u0111i qua.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9:<\/strong> th\u1eddi gian l\u01b0u tr\u00fa to\u00e0n b\u1ed9 \u0111\u01b0\u1ee3c n\u00eau trong \u0111\u01a1n xin th\u1ecb th\u1ef1c.<\/span><\/li>\n<\/ul>\n<\/div>\n<p>B\u1ea1n c\u0169ng n\u00ean \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m. M\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) quy \u0111\u1ecbnh r\u1eb1ng c\u00e1c chi ph\u00ed ph\u00e1t sinh m\u00e0 kh\u00f4ng li\u00ean h\u1ec7 tr\u01b0\u1edbc v\u1edbi trung t\u00e2m kh\u1ea9n c\u1ea5p s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng, n\u1ebfu vi\u1ec7c li\u00ean h\u1ec7 \u0111\u00f3 l\u00e0 kh\u1ea3 thi. \u0110i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng ngay khi b\u1ea1n \u0111\u1ebfn n\u01a1i, v\u00ec vi\u1ec7c th\u00f4ng b\u00e1o thi\u1ec7t h\u1ea1i kh\u00f4ng \u0111\u00fang c\u00e1ch c\u00f3 th\u1ec3 g\u00e2y c\u1ea3n tr\u1edf cho vi\u1ec7c chi tr\u1ea3 quy\u1ec1n l\u1ee3i.<\/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\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u v\u1ec1 th\u1ecb th\u1ef1c kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n nh\u1ea5t. B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb, th\u1ee7 t\u1ee5c khai b\u00e1o t\u1ed5n th\u1ea5t v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a trung t\u00e2m c\u1ea5p c\u1ee9u ho\u1ea1t \u0111\u1ed9ng 24\/7.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"kiedy-ubezpieczenie-nie-wystarczy\" class=\"kt-adv-heading\">Khi n\u00e0o th\u00ec b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ee7?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ch\u1ee7 \u0111\u1ec1 <strong>Vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c v\u00e0 b\u1ea3o hi\u1ec3m<\/strong> g\u00e2y ra nhi\u1ec1u th\u1eafc m\u1eafc. B\u1ea3n th\u00e2n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea3m b\u1ea3o vi\u1ec7c \u0111\u01b0\u1ee3c c\u1ea5p th\u1ecb th\u1ef1c, v\u00ec c\u01a1 quan ch\u1ee9c n\u0103ng s\u1ebd \u0111\u00e1nh gi\u00e1 to\u00e0n b\u1ed9 h\u1ed3 s\u01a1, bao g\u1ed3m m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i, kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh, c\u00e1c \u0111\u1eb7t ch\u1ed7 v\u00e0 t\u00ednh x\u00e1c th\u1ef1c c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u. Tuy nhi\u00ean, nh\u1eefng sai s\u00f3t trong b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n g\u00e2y ra v\u1ea5n \u0111\u1ec1. Nh\u1eefng sai s\u00f3t ph\u1ed5 bi\u1ebfn nh\u1ea5t bao g\u1ed3m m\u1ee9c b\u1ea3o hi\u1ec3m qu\u00e1 th\u1ea5p, kh\u00f4ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n h\u1ed3i h\u01b0\u01a1ng, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7, gi\u1edbi h\u1ea1n v\u1ec1 l\u00e3nh th\u1ed5 ho\u1eb7c gi\u1ea5y t\u1edd \u0111\u01b0\u1ee3c c\u1ea5p d\u01b0\u1edbi d\u1ea1ng kh\u00f4ng r\u00f5 r\u00e0ng \u0111\u1ed1i v\u1edbi l\u00e3nh s\u1ef1 qu\u00e1n.<\/p>\n<p>C\u1ea7n l\u01b0u \u00fd r\u1eb1ng m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m cho ph\u00e9p ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng v\u00e0 ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m n\u1ebfu \u0111\u01a1n xin th\u1ecb th\u1ef1c b\u1ecb t\u1eeb ch\u1ed1i, v\u1edbi \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i xu\u1ea5t tr\u00ecnh b\u1eb1ng ch\u1ee9ng v\u1ec1 vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i v\u00e0 ch\u01b0a b\u1eaft \u0111\u1ea7u chuy\u1ebfn \u0111i. Tuy nhi\u00ean, \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc tuy\u1ec7t \u0111\u1ed1i, m\u00e0 l\u00e0 gi\u1ea3i ph\u00e1p ph\u1ee5 thu\u1ed9c v\u00e0o \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU). Do \u0111\u00f3, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, b\u1ea1n c\u1ea7n ki\u1ec3m tra c\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ee7y h\u1ee3p \u0111\u1ed3ng v\u00e0 ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m. Khi ph\u00e2n t\u00edch c\u00e1c t\u00e0i li\u1ec7u, c\u1ea9m nang h\u01b0\u1edbng d\u1eabn c\u0169ng c\u00f3 th\u1ec3 r\u1ea5t h\u1eefu \u00edch <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/cau-hoi-thuong-gap-va-loi-khuyen\/lam-the-nao-de-kiem-tra-thoi-han-hieu-luc-cua-bao-hiem-y-te\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n<h3>Nh\u1eefng l\u1ed7i th\u01b0\u1eddng g\u1eb7p nh\u1ea5t trong \u0111\u01a1n xin<\/h3>\n<p>Vi\u1ec7c th\u1eddi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng kh\u1edbp v\u1edbi th\u1eddi gian chuy\u1ebfn \u0111i th\u01b0\u1eddng d\u1eabn \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1. N\u1ebfu \u0111\u01a1n xin th\u1ecb th\u1ef1c bao g\u1ed3m m\u1ed9t v\u00e0i ng\u00e0y d\u1ef1 ph\u00f2ng, trong khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m h\u1ebft h\u1ea1n s\u1edbm h\u01a1n, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 coi t\u00e0i li\u1ec7u n\u00e0y l\u00e0 kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n. Nguy c\u01a1 n\u00e0y c\u00f2n gia t\u0103ng n\u1ebfu th\u00f4ng tin c\u00e1 nh\u00e2n kh\u00f4ng kh\u1edbp v\u1edbi th\u00f4ng tin tr\u00ean h\u1ed9 chi\u1ebfu.<\/p>\n<h3>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 hi\u1ec3u c\u00e1c quy \u0111\u1ecbnh n\u0103m 2026?<\/h3>\n<p>Trong b\u1ed1i c\u1ea3nh c\u1ee7a c\u1ee5m t\u1eeb <strong>c\u00e1c quy \u0111\u1ecbnh n\u0103m 2026<\/strong> C\u1ea7n th\u1eadn tr\u1ecdng. Y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u 30.000 euro v\u1eabn l\u00e0 ti\u00eau chu\u1ea9n li\u00ean quan \u0111\u1ebfn th\u1ecb th\u1ef1c Schengen, nh\u01b0ng tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n, b\u1ea1n lu\u00f4n c\u1ea7n ki\u1ec3m tra th\u00f4ng tin c\u1eadp nh\u1eadt t\u1ea1i l\u00e3nh s\u1ef1 qu\u00e1n ho\u1eb7c trung t\u00e2m th\u1ecb th\u1ef1c c\u00f3 th\u1ea9m quy\u1ec1n c\u1ee7a qu\u1ed1c gia n\u01a1i b\u1ea1n n\u1ed9p h\u1ed3 s\u01a1. Th\u1ef1c ti\u1ec5n h\u00e0nh ch\u00ednh, c\u00e1c m\u1eabu \u0111\u01a1n v\u00e0 danh s\u00e1ch t\u00e0i li\u1ec7u k\u00e8m theo c\u00f3 th\u1ec3 thay \u0111\u1ed5i nhanh h\u01a1n so v\u1edbi c\u00e1c quy \u0111\u1ecbnh chung.<\/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>30.000 euro c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ee7 \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, 30.000 euro l\u00e0 m\u1ee9c t\u1ed1i thi\u1ec3u ti\u00eau chu\u1ea9n cho b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf v\u00e0 h\u1ed3i h\u01b0\u01a1ng \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen. Tuy nhi\u00ean, c\u1ea7n \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i bao ph\u1ee7 to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c qu\u1ed1c gia thu\u1ed9c khu v\u1ef1c Schengen. Ch\u1ec9 ri\u00eang s\u1ed1 ti\u1ec1n \u0111\u00f3 m\u00e0 kh\u00f4ng c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p th\u00ec c\u00f3 th\u1ec3 l\u00e0 ch\u01b0a \u0111\u1ee7.<\/p>\n<h3>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i bao g\u1ed3m d\u1ecbch v\u1ee5 h\u1ed3i h\u01b0\u01a1ng kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen kh\u00f4ng ch\u1ec9 n\u00ean bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb m\u00e0 c\u00f2n c\u1ea3 vi\u1ec7c h\u1ed3i h\u01b0\u01a1ng v\u00ec l\u00fd do y t\u1ebf. Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c l\u00e3nh s\u1ef1 qu\u00e1n \u0111\u1eb7c bi\u1ec7t ch\u00fa tr\u1ecdng \u0111\u1ebfn s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a hai y\u1ebfu t\u1ed1 n\u00e0y. Vi\u1ec7c thi\u1ebfu \u0111i\u1ec1u kho\u1ea3n h\u1ed3i h\u01b0\u01a1ng c\u00f3 th\u1ec3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c gi\u1ea5y t\u1edd \u0111\u00f3 kh\u00f4ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u.<\/p>\n<h3>C\u1ea7n \u0111\u00ednh k\u00e8m nh\u1eefng gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m n\u00e0o v\u00e0o \u0111\u01a1n xin?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, c\u1ea7n c\u00f3 gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00e3 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 ghi r\u00f5 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111i du l\u1ecbch, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m. T\u00e0i li\u1ec7u n\u00e0y ph\u1ea3i r\u00f5 r\u00e0ng v\u00e0 kh\u1edbp v\u1edbi th\u00f4ng tin tr\u00ean h\u1ed9 chi\u1ebfu. B\u1ea1n c\u0169ng n\u00ean gi\u1eef l\u1ea1i \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u1ec3 \u0111\u1ec1 ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p c\u1ea7n x\u00e1c minh th\u00eam.<\/p>\n<h3>Vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p th\u1ecb th\u1ef1c c\u00f3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c m\u1ea5t kho\u1ea3n ph\u00ed n\u1ed9p kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng h\u1eb3n v\u1eady. M\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh s\u1ebd ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m n\u1ebfu visa ch\u01b0a \u0111\u01b0\u1ee3c c\u1ea5p, chuy\u1ebfn \u0111i ch\u01b0a b\u1eaft \u0111\u1ea7u v\u00e0 ch\u01b0a c\u00f3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. C\u00e1c quy \u0111\u1ecbnh v\u1ec1 ho\u00e0n l\u1ea1i ph\u00ed ph\u1ee5 thu\u1ed9c v\u00e0o \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), do \u0111\u00f3 c\u1ea7n ki\u1ec3m tra k\u1ef9 tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n<h3>B\u1ea3o hi\u1ec3m Schengen ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i Ba Lan th\u00f4i sao?<\/h3>\n<p>Kh\u00f4ng, m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m Schengen h\u1ee3p l\u1ec7 ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c tr\u00ean to\u00e0n b\u1ed9 khu v\u1ef1c Schengen m\u00e0 chuy\u1ebfn \u0111i \u0111i qua. N\u1ebfu t\u00e0i li\u1ec7u n\u00e0y ch\u1ec9 gi\u1edbi h\u1ea1n ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u1edf m\u1ed9t qu\u1ed1c gia duy nh\u1ea5t, th\u00ec c\u00f3 th\u1ec3 n\u00f3 s\u1ebd kh\u00f4ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c. B\u1ea1n n\u00ean so s\u00e1nh \u0111i\u1ec1u n\u00e0y v\u1edbi c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c <a href=\"https:\/\/insurancepoland.pl\/vi\/bao-hiem-cho-thi-thuc\/\">B\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c<\/a> tr\u01b0\u1edbc khi mua.<\/p>\n<h3>M\u1ed9t s\u1ed1 ti\u1ec1n cao h\u01a1n 30.000 euro c\u00f3 h\u1ee3p l\u00fd kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd trong tr\u01b0\u1eddng h\u1ee3p l\u01b0u tr\u00fa d\u00e0i ng\u00e0y, \u0111\u1ed9 tu\u1ed5i cao h\u01a1n ho\u1eb7c c\u00f3 k\u1ebf ho\u1ea1ch \u0111i\u1ec1u tr\u1ecb c\u00e1c b\u1ec7nh c\u1ea5p t\u00ednh c\u00f3 nguy c\u01a1 cao. M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u theo y\u00eau c\u1ea7u th\u1ecb th\u1ef1c kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi m\u1ee9c b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh t\u1ed1i \u01b0u. Trong nhi\u1ec1u g\u00f3i b\u1ea3o hi\u1ec3m, c\u0169ng c\u00f3 t\u00f9y ch\u1ecdn m\u1ee9c 60.000 euro.<\/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>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u theo quy \u0111\u1ecbnh Schengen v\u00e0o n\u0103m 2026 ph\u1ea3i \u0111\u1ea1t \u00edt nh\u1ea5t 30.000 euro v\u00e0 bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u0169ng nh\u01b0 chi ph\u00ed h\u1ed3i h\u01b0\u01a1ng. C\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c \u0111\u1ea7y \u0111\u1ee7 v\u00e0 vi\u1ec7c t\u00e0i li\u1ec7u n\u00e0y c\u00f3 tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u l\u00e3nh s\u1ef1 hay kh\u00f4ng. Tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m. N\u1ebfu b\u1ea1n mu\u1ed1n chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111i du l\u1ecbch m\u1ed9t c\u00e1ch an to\u00e0n, h\u00e3y so s\u00e1nh c\u00e1c l\u1ef1a ch\u1ecdn c\u00f3 s\u1eb5n v\u00e0 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 ph\u00f9 h\u1ee3p v\u1edbi lo\u1ea1i th\u1ecb th\u1ef1c m\u00e0 c\u00f2n ph\u00f9 h\u1ee3p v\u1edbi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u1ef1c t\u1ebf khi \u1edf n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m Schengen l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m du l\u1ecbch b\u1eaft bu\u1ed9c khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c ng\u1eafn h\u1ea1n v\u00e0o khu v\u1ef1c Schengen. M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u c\u1ee7a b\u1ea3o hi\u1ec3m Schengen cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb\u2026<\/p>","protected":false},"author":2,"featured_media":3685,"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":[21],"tags":[27,24,32,25,29],"class_list":["post-3686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prawo-i-przepisy","tag-koszty-leczenia-cudzoziemca","tag-okres-ubezpieczenia","tag-prywatna-polisa-zdrowotna","tag-ubezpieczenie-dla-cudzoziemca","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Minimalna suma ubezpieczenia Schengen 2026 - Insurance Poland<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, ile musi wynosi\u0107 ubezpieczenie do wizy Schengen w 2026 roku i jaki zakres polisy spe\u0142nia wymagania wizowe.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/luat-phap-va-quy-dinh\/muc-bao-hiem-toi-thieu-theo-hiep-uoc-schengen-nam-2026\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Minimalna suma ubezpieczenia Schengen 2026\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, ile musi wynosi\u0107 ubezpieczenie do wizy Schengen w 2026 roku i 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