{"id":3719,"date":"2026-10-14T13:26:03","date_gmt":"2026-10-14T11:26:03","guid":{"rendered":"https:\/\/insurancepoland.pl\/?p=3719"},"modified":"2026-10-14T13:26:03","modified_gmt":"2026-10-14T11:26:03","slug":"chi-phi-dieu-tri-noi-tru-tai-ba-lan-khi-khong-co-bao-hiem-lam-the-nao-de-tinh-toan-hoa-don","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/vi\/poradnik\/koszty-leczenia\/koszt-hospitalizacji-w-polsce-bez-ubezpieczenia-jak-ustalic-rachunek\/","title":{"rendered":"Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa t\u1ea1i Ba Lan khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u2013 c\u00e1c con s\u1ed1 th\u1ef1c t\u1ebf"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Th\u1eddi gian n\u1eb1m vi\u1ec7n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn m\u1ed9t h\u00f3a \u0111\u01a1n m\u00e0 kh\u00f4ng th\u1ec3 d\u1ef1 \u0111o\u00e1n ch\u00ednh x\u00e1c ch\u1ec9 d\u1ef1a tr\u00ean s\u1ed1 ng\u00e0y nh\u1eadp vi\u1ec7n. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t bao g\u1ed3m l\u00fd do nh\u1eadp vi\u1ec7n, lo\u1ea1i d\u1ecbch v\u1ee5 y t\u1ebf \u0111\u01b0\u1ee3c cung c\u1ea5p, ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh n\u1ed9i b\u1ed9 v\u1ec1 thanh to\u00e1n c\u1ee7a c\u01a1 s\u1edf y t\u1ebf \u0111\u00f3. Do \u0111\u00f3 <strong>Kh\u00f4ng c\u00f3 m\u1ee9c ph\u00ed nh\u1eadp vi\u1ec7n chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p<\/strong>, \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 b\u1ec7nh nh\u00e2n v\u00e0 m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. Thay v\u00ec d\u1ef1a v\u00e0o nh\u1eefng kho\u1ea3ng \u01b0\u1edbc t\u00ednh ng\u1eabu nhi\u00ean t\u00ecm th\u1ea5y tr\u00ean m\u1ea1ng, b\u1ea1n n\u00ean y\u00eau c\u1ea7u b\u1ec7nh vi\u1ec7n cung c\u1ea5p b\u00e1o gi\u00e1 ri\u00eang cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p, \u0111\u1ed3ng th\u1eddi tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y ki\u1ec3m tra k\u1ef9 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 (n\u1ebfu c\u00f3). D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1ch \u01b0\u1edbc t\u00ednh chi ph\u00ed nh\u1eadp vi\u1ec7n khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m, nh\u1eefng \u0111i\u1ec1u th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m (KLC) v\u00e0 nh\u1eefng t\u00e0i li\u1ec7u c\u1ea7n l\u01b0u gi\u1eef n\u1ebfu vi\u1ec7c \u0111i\u1ec1u tr\u1ecb c\u1ea7n \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o cho c\u00f4ng ty 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=\"has-medium-font-size wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#jak-ustalic-realny-koszt-hospitalizacji\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh chi ph\u00ed th\u1ef1c t\u1ebf cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa<\/a><\/li>\n\n\n\n<li><a href=\"#od-czego-zalezy-koncowy-rachunek\">H\u00f3a \u0111\u01a1n cu\u1ed1i c\u00f9ng ph\u1ee5 thu\u1ed9c v\u00e0o nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o?<\/a><\/li>\n\n\n\n<li><a href=\"#co-ubezpieczenie-klc-moze-zmienic\">B\u1ea3o hi\u1ec3m KLC c\u00f3 th\u1ec3 mang l\u1ea1i nh\u1eefng thay \u0111\u1ed5i g\u00ec<\/a><\/li>\n\n\n\n<li><a href=\"#jak-przygotowac-sie-przed-leczeniem-i-po-nim\">C\u00e1ch chu\u1ea9n b\u1ecb tr\u01b0\u1edbc v\u00e0 sau khi \u0111i\u1ec1u tr\u1ecb<\/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=\"#jak-ograniczyc-ryzyko-duzego-wydatku\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u1ea3i chi m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-ustalic-realny-koszt-hospitalizacji\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh chi ph\u00ed th\u1ef1c t\u1ebf cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u tr\u1ea3 l\u1eddi trung th\u1ef1c nh\u1ea5t l\u00e0: ch\u1ec9 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n c\u1ee5 th\u1ec3 khi xem x\u00e9t t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. Ch\u1ec9 ri\u00eang c\u1ee5m t\u1eeb \u201en\u1eb1m vi\u1ec7n\u201d v\u1eabn ch\u01b0a cho bi\u1ebft c\u1ea7n nh\u1eefng d\u1ecbch v\u1ee5 y t\u1ebf n\u00e0o c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c thanh to\u00e1n s\u1ebd ra sao. <strong>B\u00e1o gi\u00e1 ri\u00eang cho c\u01a1 s\u1edf<\/strong> s\u1ebd h\u1eefu \u00edch h\u01a1n so v\u1edbi m\u1ed9t con s\u1ed1 chung chung kh\u00f4ng c\u00f3 b\u1ed1i c\u1ea3nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch t\u1ed5 ch\u1ee9c ti\u1ec7c, h\u00e3y h\u1ecfi c\u01a1 s\u1edf y t\u1ebf v\u1ec1 ph\u1ea1m vi b\u00e1o gi\u00e1 v\u00e0 nh\u1eefng h\u1ea1ng m\u1ee5c n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh ri\u00eang. \u0110\u1ed3ng th\u1eddi, h\u00e3y h\u1ecfi r\u00f5 xem s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c b\u00e1o l\u00e0 s\u1ed1 ti\u1ec1n cu\u1ed1i c\u00f9ng hay c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y theo di\u1ec5n bi\u1ebfn qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb. <strong>Ph\u1ea1m vi \u0111\u1ecbnh gi\u00e1 ph\u1ea3i \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1eb1ng v\u0103n b\u1ea3n<\/strong>, \u0111\u1ec3 sau n\u00e0y c\u00f3 th\u1ec3 \u0111\u1ed1i chi\u1ebfu v\u1edbi h\u00f3a \u0111\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, s\u1ee9c kh\u1ecfe ph\u1ea3i \u0111\u01b0\u1ee3c \u01b0u ti\u00ean h\u01a1n m\u1ecdi t\u00ednh to\u00e1n. Tuy nhi\u00ean, sau khi \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ee9u tr\u1ee3, h\u00e3y y\u00eau c\u1ea7u cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 h\u00f3a \u0111\u01a1n chi ph\u00ed. N\u1ebfu v\u1ee5 vi\u1ec7c b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c c\u1ee9u tr\u1ee3 kh\u1ea9n c\u1ea5p, vi\u1ec7c gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng c\u0169ng s\u1ebd r\u1ea5t h\u1eefu \u00edch, <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/chi-phi-dieu-tri\/chi-phi-lam-the-cu-tru-cho-nguoi-nuoc-ngoai-khi-co-hoa-don\/\">Khi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u1eadn h\u00f3a \u0111\u01a1n t\u1ea1i ph\u00f2ng c\u1ea5p c\u1ee9u<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u00fang t\u00f4i kh\u00f4ng \u0111\u01b0a ra m\u1ed9t \u201em\u1ee9c gi\u00e1 c\u1ee5 th\u1ec3\u201d hay m\u1ed9t kho\u1ea3ng gi\u00e1 chung n\u00e0o c\u1ea3. N\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3ng gi\u00e1 ch\u00ednh th\u1ee9c d\u00e0nh ri\u00eang cho t\u1eebng d\u1ecbch v\u1ee5 v\u00e0 c\u01a1 s\u1edf y t\u1ebf, con s\u1ed1 \u0111\u00f3 c\u00f3 th\u1ec3 g\u00e2y hi\u1ec3u l\u1ea7m. <strong>H\u00f3a \u0111\u01a1n th\u1ef1c t\u1ebf \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb c\u1ee5 th\u1ec3<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ef1a tr\u00ean m\u1ee9c trung b\u00ecnh tr\u00ean m\u1ea1ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"od-czego-zalezy-koncowy-rachunek\">H\u00f3a \u0111\u01a1n cu\u1ed1i c\u00f9ng ph\u1ee5 thu\u1ed9c v\u00e0o nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hai \u0111\u1ee3t \u0111i\u1ec1u tr\u1ecb c\u00f3 th\u1eddi gian t\u01b0\u01a1ng \u0111\u01b0\u01a1ng nhau kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 m\u1ee9c chi ph\u00ed nh\u01b0 nhau. L\u00fd do nh\u1eadp vi\u1ec7n, di\u1ec5n bi\u1ebfn s\u1ef1 vi\u1ec7c, c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf c\u1ea7n thi\u1ebft v\u00e0 c\u00e1c khuy\u1ebfn ngh\u1ecb sau \u0111i\u1ec1u tr\u1ecb c\u00f3 th\u1ec3 kh\u00e1c nhau. Do \u0111\u00f3, c\u00e2u h\u1ecfi \u201em\u1ed9t ng\u00e0y n\u1eb1m vi\u1ec7n t\u1ed1n bao nhi\u00eau?\u201d th\u01b0\u1eddng kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u01b0\u1edbc t\u00ednh t\u1ed5ng chi ph\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng hai tr\u01b0\u1eddng h\u1ee3p th\u1ef1c t\u1ebf. B\u1ec7nh nh\u00e2n th\u1ee9 nh\u1ea5t \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o b\u1ec7nh vi\u1ec7n sau m\u1ed9t v\u1ee5 tai n\u1ea1n v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c c\u1ea5p c\u1ee9u ngay l\u1eadp t\u1ee9c. B\u1ec7nh nh\u00e2n th\u1ee9 hai \u0111\u01b0\u1ee3c nh\u1eadp vi\u1ec7n do m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t. Ngay c\u1ea3 khi c\u1ea3 hai ng\u01b0\u1eddi \u0111\u1ec1u n\u1eb1m vi\u1ec7n trong kho\u1ea3ng th\u1eddi gian t\u01b0\u01a1ng t\u1ef1, qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 di\u1ec5n ra kh\u00e1c nhau. <strong>Di\u1ec5n bi\u1ebfn c\u1ee5 th\u1ec3 c\u1ee7a s\u1ef1 ki\u1ec7n \u0111\u00f3 l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 s\u1ed1 ng\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi ch\u1ea5p thu\u1eadn chi ph\u00ed d\u1ef1 ki\u1ebfn, c\u1ea7n x\u00e1c \u0111\u1ecbnh:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items7236e7_1 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items7236e7_1 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-7236e7_1a .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_1a .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-7236e7_1a kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u g\u00ec;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-7236e7_1b .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_1b .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-7236e7_1b 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\">li\u1ec7u c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-7236e7_1c .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_1c .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-7236e7_1c 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\">nh\u1eefng kho\u1ea3n tr\u1ee3 c\u1ea5p n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh ri\u00eang;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-7236e7_1d .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_1d .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-7236e7_1d 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\">khi n\u00e0o v\u00e0 d\u01b0\u1edbi h\u00ecnh th\u1ee9c n\u00e0o h\u00f3a \u0111\u01a1n s\u1ebd \u0111\u01b0\u1ee3c l\u1eadp;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-7236e7_1e .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_1e .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-7236e7_1e kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">B\u1ec7nh nh\u00e2n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd y t\u1ebf v\u00e0 h\u00f3a \u0111\u01a1n chi ph\u00ed n\u00e0o.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi ho\u00e0n t\u1ea5t vi\u1ec7c \u0111i\u1ec1u tr\u1ecb, h\u00e3y \u0111\u1ed1i chi\u1ebfu c\u00e1c t\u00e0i li\u1ec7u v\u1edbi nh\u1eefng g\u00ec \u0111\u00e3 th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n. <strong>H\u00f3a \u0111\u01a1n v\u00e0 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan ph\u1ea3i li\u00ean quan \u0111\u1ebfn c\u00f9ng m\u1ed9t giao d\u1ecbch<\/strong>. N\u1ebfu c\u00f3 \u0111i\u1ec3m n\u00e0o ch\u01b0a r\u00f5, h\u00e3y y\u00eau c\u1ea7u c\u01a1 quan ch\u1ee9c n\u0103ng gi\u1ea3i th\u00edch t\u1eebng m\u1ee5c c\u1ee5 th\u1ec3, thay v\u00ec t\u1ef1 suy \u0111o\u00e1n xem ch\u00fang li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u g\u00ec.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c v\u1ee5 tai n\u1ea1n lao \u0111\u1ed9ng c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1eb7c bi\u1ec7t ch\u00fa \u00fd, v\u00ec c\u00e1c t\u00ecnh ti\u1ebft c\u1ee7a v\u1ee5 vi\u1ec7c c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn qu\u00e1 tr\u00ecnh x\u1eed l\u00fd ti\u1ebfp theo. Ch\u00fang t\u00f4i \u0111\u00e3 tr\u00ecnh b\u00e0y ri\u00eang v\u1ec1 ch\u1ee7 \u0111\u1ec1 \u201e<a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/chi-phi-dieu-tri\/klc-va-tai-nan-lao-dong-ai-se-chi-tra-chi-phi-dieu-tri\/\">KLC v\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb sau tai n\u1ea1n lao \u0111\u1ed9ng<\/a>\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-ubezpieczenie-klc-moze-zmienic\">B\u1ea3o hi\u1ec3m KLC c\u00f3 th\u1ec3 mang l\u1ea1i nh\u1eefng thay \u0111\u1ed5i g\u00ec<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u1ea3i t\u1ef1 chi tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00e0 cam k\u1ebft thanh to\u00e1n m\u1ecdi h\u00f3a \u0111\u01a1n. N\u1ebfu b\u1ea1n mu\u1ed1n n\u1eafm v\u1eefng nh\u1eefng ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n tr\u01b0\u1edbc ti\u00ean, h\u00e3y \u0111\u1ecdc, <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/chi-phi-dieu-tri\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-tai-klc-la-gi\/\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0 g\u00ec?<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Compensa li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan, ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ti\u1ebfn h\u00e0nh ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. <strong>Ph\u1ea1m vi n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng<\/strong>. Vi\u1ec7c ch\u1ec9 \u0111\u01a1n thu\u1ea7n c\u00f3 m\u1ed9t h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng \u0111\u1ee3t nh\u1eadp vi\u1ec7n \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a Uniqa, 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 l\u00e0 c\u00e1c gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <strong>M\u1ed7i l\u1ea7n r\u00fat ti\u1ec1n s\u1ebd l\u00e0m gi\u1ea3m s\u1ed1 d\u01b0 t\u01b0\u01a1ng \u1ee9ng ho\u1eb7c h\u1ea1n m\u1ee9c ph\u1ee5<\/strong>. \u0110\u1ec3 bi\u1ebft c\u00e1c m\u1ee9c ph\u00ed \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho m\u1ed9t c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3, qu\u00fd v\u1ecb c\u1ea7n ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 c\u0169ng nh\u01b0 b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111i\u1ec1u ki\u1ec7n t\u01b0\u01a1ng \u1ee9ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hai v\u00ed d\u1ee5 n\u00e0y cho th\u1ea5y l\u00fd do t\u1ea1i sao tr\u01b0\u1edbc khi mua h\u00e0ng, b\u1ea1n n\u00ean \u0111\u1ecdc k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn g\u00f3i d\u1ecbch v\u1ee5 \u0111\u00e3 ch\u1ecdn. <strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed<\/strong>. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u ki\u1ec7n x\u1ea3y ra s\u1ef1 ki\u1ec7n v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u00f3 \u00fd ngh\u0129a then ch\u1ed1t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh c\u1ee7a m\u1ed9t s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a KLC. <strong>T\u00e0i li\u1ec7u \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft s\u1ebd l\u00e0 c\u01a1 s\u1edf quy\u1ebft \u0111\u1ecbnh<\/strong>. T\u00ean danh m\u1ee5c b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 thay th\u1ebf cho vi\u1ec7c ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-przygotowac-sie-przed-leczeniem-i-po-nim\">C\u00e1ch chu\u1ea9n b\u1ecb tr\u01b0\u1edbc v\u00e0 sau khi \u0111i\u1ec1u tr\u1ecb<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y c\u1ea5t gi\u1eef n\u00f3 \u1edf n\u01a1i c\u00f3 th\u1ec3 truy c\u1eadp \u0111\u01b0\u1ee3c ngay c\u1ea3 khi b\u1ea1n kh\u00f4ng \u1edf nh\u00e0. H\u00e3y ki\u1ec3m tra xem c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 th\u1ee7 t\u1ee5c x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. \u0110\u1eebng cho r\u1eb1ng ch\u1ec9 c\u1ea7n h\u00f3a \u0111\u01a1n l\u00e0 \u0111\u1ee7 \u0111\u1ec3 gi\u1ea3i quy\u1ebft y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00eau tr\u00ean, \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb g\u1eedi \u0111\u1ebfn Uniqa c\u1ea7n bao g\u1ed3m <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 t\u00ecnh ti\u1ebft v\u1ee5 vi\u1ec7c<\/strong>. Ngo\u00e0i ra, c\u00f2n c\u1ea7n ph\u1ea3i <strong>Gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n v\u00e0 c\u00e1c khuy\u1ebfn ngh\u1ecb v\u1ec1 \u0111i\u1ec1u tr\u1ecb<\/strong>, c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh, ch\u1eb3ng h\u1ea1n nh\u01b0 h\u00f3a \u0111\u01a1n, bi\u00ean lai, gi\u1ea5y ch\u1ee9ng nh\u1eadn c\u1ee7a b\u1ec7nh vi\u1ec7n v\u00e0 bi\u00ean lai thanh to\u00e1n. Lu\u00f4n c\u1ea7n ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a qu\u00fd v\u1ecb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Danh s\u00e1ch th\u1ef1c t\u1ebf c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n s\u1eafp x\u1ebfp sau khi xu\u1ea5t vi\u1ec7n bao g\u1ed3m:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items7236e7_2 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items7236e7_2 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items7236e7_2 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-7236e7_2a .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_2a .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-7236e7_2a 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\">h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-7236e7_2b .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_2b .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-7236e7_2b 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\">m\u00f4 t\u1ea3 t\u00ecnh ti\u1ebft v\u1ee5 vi\u1ec7c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-7236e7_2c .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_2c .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-7236e7_2c 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\">h\u1ed3 s\u01a1 y t\u1ebf \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-7236e7_2d .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_2d .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-7236e7_2d 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\">h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-7236e7_2e .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-7236e7_2e .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-7236e7_2e kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c th\u01b0 t\u1eeb trao \u0111\u1ed5i v\u1edbi c\u01a1 s\u1edf v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul><\/div>\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>Gi\u1eef l\u1ea1i b\u1ea3n g\u1ed1c c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed<\/strong> v\u00e0 chu\u1ea9n b\u1ecb c\u00e1c b\u1ea3n sao r\u00f5 r\u00e0ng \u0111\u1ec3 l\u01b0u tr\u1eef trong h\u1ed3 s\u01a1 c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n. Ki\u1ec3m tra t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin b\u1ec7nh nh\u00e2n, ng\u00e0y th\u00e1ng v\u00e0 m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c. N\u1ebfu thi\u1ebfu th\u00f4ng tin n\u00e0o, h\u00e3y y\u00eau c\u1ea7u c\u01a1 s\u1edf y t\u1ebf b\u1ed5 sung \u2013 \u0111\u1eebng t\u1ef1 \u00fd \u0111i\u1ec1n th\u00eam th\u00f4ng tin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u0169ng n\u00ean t\u00ecm hi\u1ec3u tr\u01b0\u1edbc c\u00e1ch li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1ch th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1 theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. <strong>C\u1ea7n ki\u1ec3m tra th\u1ee7 t\u1ee5c n\u00e0y trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong> tr\u01b0\u1edbc khi g\u1eedi t\u00e0i li\u1ec7u.<\/p>\n\n<\/div><\/div>\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=\"ile-kosztuje-pobyt-w-szpitalu-w-polsce-bez-ubezpieczenia\">Chi ph\u00ed n\u1eb1m vi\u1ec7n t\u1ea1i Ba Lan khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 m\u1ed9t m\u1ee9c chi ph\u00ed c\u1ed1 \u0111\u1ecbnh \u00e1p d\u1ee5ng cho m\u1ecdi tr\u01b0\u1eddng h\u1ee3p l\u01b0u tr\u00fa. Chi ph\u00ed c\u1ea7n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh ri\u00eang cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 v\u00e0 t\u1eebng c\u01a1 s\u1edf c\u1ee5 th\u1ec3. <strong>\u0110\u1eebng d\u1ef1a v\u00e0o m\u1ee9c l\u01b0\u01a1ng \u01b0\u1edbc t\u00ednh \u1ea9n danh \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh<\/strong>, n\u1ebfu kh\u00f4ng r\u00f5 c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p \u0111\u00f3 bao g\u1ed3m nh\u1eefng g\u00ec v\u00e0 thu\u1ed9c kho\u1ea3ng th\u1eddi gian n\u00e0o.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-szpital-poda-koszt-przed-przyjeciem\">B\u1ec7nh vi\u1ec7n c\u00f3 th\u00f4ng b\u00e1o chi ph\u00ed tr\u01b0\u1edbc khi nh\u1eadp vi\u1ec7n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Khi l\u00ean k\u1ebf ho\u1ea1ch \u0111i\u1ec1u tr\u1ecb, b\u1ea1n n\u00ean y\u00eau c\u1ea7u th\u00f4ng tin c\u1ee5 th\u1ec3 v\u00e0 ki\u1ec3m tra k\u1ef9 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, h\u00f3a \u0111\u01a1n cu\u1ed1i c\u00f9ng c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee9c \u0111\u1ed9 h\u1ed7 tr\u1ee3 th\u1ef1c t\u1ebf \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p. <strong>H\u00e3y h\u1ecfi xem s\u1ed1 ti\u1ec1n \u0111\u00f3 bao g\u1ed3m nh\u1eefng g\u00ec<\/strong> v\u00e0 nh\u1eefng kho\u1ea3n n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thanh to\u00e1n ri\u00eang.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-polisa-klc-zawsze-pokryje-cala-hospitalizacje\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m KLC c\u00f3 lu\u00f4n chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed n\u1eb1m vi\u1ec7n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, ho\u00e0n c\u1ea3nh x\u1ea3y ra s\u1ef1 c\u1ed1, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5. <strong>Vi\u1ec7c thanh to\u00e1n \u0111\u1ea7y \u0111\u1ee7 cho m\u1ed7i h\u00f3a \u0111\u01a1n kh\u00f4ng di\u1ec5n ra t\u1ef1 \u0111\u1ed9ng<\/strong>. Tr\u01b0\u1edbc khi \u0111\u01b0a ra k\u1ebft lu\u1eadn v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u1ea7n ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-do-zgloszenia-wystarczy-rachunek\">Ch\u1ec9 c\u1ea7n h\u00f3a \u0111\u01a1n l\u00e0 \u0111\u1ee7 \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c khai b\u00e1o ch\u01b0a?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3, Uniqa kh\u00f4ng. H\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u0169ng c\u1ea7n bao g\u1ed3m s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng v\u00e0 gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf k\u00e8m theo ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb. S\u1ed5 tay h\u01b0\u1edbng d\u1eabn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y s\u1ebd r\u1ea5t h\u1eefu \u00edch, <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/chi-phi-dieu-tri\/lam-the-nao-de-duoc-hoan-lai-tien-chi-phi-dieu-tri-tai-ba-lan\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan<\/a>, nh\u01b0ng <strong>c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00f3 \u0111\u01b0\u1ee3c \u01b0u ti\u00ean \u00e1p d\u1ee5ng<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-gdy-kwota-na-rachunku-jest-niejasna\">Ph\u1ea3i l\u00e0m g\u00ec khi s\u1ed1 d\u01b0 trong t\u00e0i kho\u1ea3n kh\u00f4ng r\u00f5 r\u00e0ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y y\u00eau c\u1ea7u c\u01a1 s\u1edf y t\u1ebf gi\u1ea3i th\u00edch t\u1eebng kho\u1ea3n m\u1ee5c v\u00e0 so s\u00e1nh h\u00f3a \u0111\u01a1n v\u1edbi h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb. \u0110\u1eebng t\u1ef1 \u0111o\u00e1n xem kho\u1ea3n m\u1ee5c \u0111\u00f3 li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u g\u00ec. <strong>N\u00ean l\u01b0u gi\u1eef c\u00e1c l\u1eddi gi\u1ea3i th\u00edch d\u01b0\u1edbi d\u1ea1ng v\u0103n b\u1ea3n<\/strong> v\u00e0 \u0111\u00ednh k\u00e8m ch\u00fang v\u00e0o c\u00e1c t\u00e0i li\u1ec7u c\u00f2n l\u1ea1i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"na-co-zwrocic-uwage-przed-zakupem-klc\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng \u0111i\u1ec1u g\u00ec tr\u01b0\u1edbc khi mua KLC?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1. \u0110\u1ed3ng th\u1eddi, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c t\u00e0i li\u1ec7u n\u00e0y \u00e1p d\u1ee5ng ch\u00ednh x\u00e1c cho s\u1ea3n ph\u1ea9m v\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n \u0111\u00e3 ch\u1ecdn. <strong>Gi\u00e1 b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 thay th\u1ebf cho vi\u1ec7c ph\u00e2n t\u00edch ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/strong>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-ograniczyc-ryzyko-duzego-wydatku\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u1ea3i chi m\u1ed9t kho\u1ea3n ti\u1ec1n l\u1edbn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh chi ph\u00ed cho l\u1ea7n nh\u1eadp vi\u1ec7n trong t\u01b0\u01a1ng lai b\u1eb1ng m\u1ed9t con s\u1ed1 ch\u00ednh x\u00e1c duy nh\u1ea5t. Tuy nhi\u00ean, c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn: tr\u01b0\u1edbc khi ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tr\u1ecb theo k\u1ebf ho\u1ea1ch, h\u00e3y y\u00eau c\u1ea7u c\u01a1 s\u1edf y t\u1ebf cung c\u1ea5p th\u00f4ng tin c\u1ee5 th\u1ec3 cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p; sau khi x\u1ea3y ra s\u1ef1 c\u1ed1, h\u00e3y thu th\u1eadp \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1; v\u00e0 khi l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m y t\u1ebf (KLC), h\u00e3y so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u1edbi t\u00ecnh h\u00ecnh c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea3n th\u00e2n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hai ho\u1ea1t \u0111\u1ed9ng quan tr\u1ecdng nh\u1ea5t l\u00e0: <strong>Ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf<\/strong> v\u00e0 h\u00e3y chu\u1ea9n b\u1ecb \u0111\u1ec3 ghi ch\u00e9p l\u1ea1i s\u1ef1 vi\u1ec7c m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m b\u1ea1n \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan tr\u1ef1c tuy\u1ebfn th\u00f4ng qua bi\u1ec3u m\u1eabu n\u00e0y.<\/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:\/\/insurancepoland.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">MUA B\u1ea2O HI\u1ec2M KLC<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Th\u1eddi gian n\u1eb1m vi\u1ec7n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn m\u1ed9t h\u00f3a \u0111\u01a1n m\u00e0 kh\u00f4ng th\u1ec3 d\u1ef1 \u0111o\u00e1n m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c ch\u1ec9 d\u1ef1a tr\u00ean s\u1ed1 ng\u00e0y \u0111i\u1ec1u tr\u1ecb. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0\u2026<\/p>","protected":false},"author":1,"featured_media":3718,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[19],"tags":[52,53,55,54],"class_list":["post-3719","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-koszty-leczenia","tag-koszt-hospitalizacji","tag-leczenie-bez-ubezpieczenia","tag-rachunek-ze-szpitala","tag-ubezpieczenie-klc"],"acf":[],"yoast_head":"<!-- This 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