{"id":3725,"date":"2026-10-21T16:49:09","date_gmt":"2026-10-21T14:49:09","guid":{"rendered":"https:\/\/insurancepoland.pl\/?p=3725"},"modified":"2026-10-21T16:49:09","modified_gmt":"2026-10-21T14:49:09","slug":"bao-hiem-klc-tai-ba-lan-trach-nhiem-thuoc-ve-nguoi-su-dung-lao-dong-hay-nguoi-nuoc-ngoai","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/vi\/poradnik\/prawo-i-przepisy\/ubezpieczenie-klc-w-polsce-obowiazek-pracodawcy-czy-cudzoziemca\/","title":{"rendered":"B\u1ea3o hi\u1ec3m KLC t\u1ea1i Ba Lan \u2013 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng hay c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c tuy\u1ec3n d\u1ee5ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn gi\u1ea5y t\u1edd c\u01b0 tr\u00fa l\u00e0 hai l\u0129nh v\u1ef1c tr\u00e1ch nhi\u1ec7m ri\u00eang bi\u1ec7t. Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ho\u1eb7c ng\u01b0\u1eddi chi tr\u1ea3 kh\u00e1c c\u00f3 ngh\u0129a v\u1ee5 \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m n\u1ebfu h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng \u0111\u00f3 l\u00e0 c\u01a1 s\u1edf ph\u00e1p l\u00fd ph\u00f9 h\u1ee3p. Ng\u01b0\u1ee3c l\u1ea1i, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 tr\u00e1ch nhi\u1ec7m n\u1ed9p \u0111\u01a1n xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa v\u00e0 ch\u1ee9ng minh c\u00f3 b\u1ea3o \u0111\u1ea3m chi ph\u00ed y t\u1ebf theo quy \u0111\u1ecbnh. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n (KLC) c\u00f3 th\u1ec3 l\u00e0 t\u00e0i li\u1ec7u b\u1eaft bu\u1ed9c, tuy nhi\u00ean, theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, kh\u00f4ng c\u00f3 ngh\u0129a v\u1ee5 b\u1eaft bu\u1ed9c m\u1ed7i ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ph\u1ea3i mua lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y cho t\u1eebng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c tuy\u1ec3n d\u1ee5ng. <strong>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 tr\u01b0\u1edbc ti\u00ean ph\u1ea3i x\u00e1c \u0111\u1ecbnh lo\u1ea1i h\u1ee3p \u0111\u1ed3ng, c\u0103n c\u1ee9 b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a v\u0103n b\u1ea3n.<\/strong> Ch\u1ec9 sau khi x\u00e1c \u0111\u1ecbnh r\u00f5 nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y, ng\u01b0\u1eddi ta m\u1edbi c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 li\u1ec7u m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 t\u1eeb quan h\u1ec7 lao \u0111\u1ed9ng c\u00f3 \u0111\u1ee7 hay kh\u00f4ng, hay li\u1ec7u c\u00f3 c\u1ea7n ph\u1ea3i xu\u1ea5t tr\u00ecnh gi\u1ea5y x\u00e1c nh\u1eadn ri\u00eang t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m hay kh\u00f4ng.<\/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<h3 class=\"wp-block-heading\" id=\"spis-tresci\">M\u1ee5c l\u1ee5c<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#kto-odpowiada\">Ai l\u00e0 ng\u01b0\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i?<\/a><\/li>\n\n\n\n<li><a href=\"#rodzaj-umowy\">T\u1ea7m quan tr\u1ecdng c\u1ee7a lo\u1ea1i h\u1ee3p \u0111\u1ed3ng<\/a><\/li>\n\n\n\n<li><a href=\"#sprawa-pobytowa\">B\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u01b0 tr\u00fa<\/a><\/li>\n\n\n\n<li><a href=\"#polisa-klc\">Khi n\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC c\u00f3 \u00fd ngh\u0129a th\u1ef1c ti\u1ec5n<\/a><\/li>\n\n\n\n<li><a href=\"#checklista\">C\u00e1ch ki\u1ec3m tra t\u00ecnh h\u00ecnh t\u1eebng b\u01b0\u1edbc m\u1ed9t<\/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<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kto-odpowiada\">Ai l\u00e0 ng\u01b0\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e2u h\u1ecfi \u201eng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng hay ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i?\u201d qu\u00e1 chung chung, b\u1edfi v\u00ec n\u00f3 li\u00ean quan \u0111\u1ebfn hai ngh\u0129a v\u1ee5 ri\u00eang bi\u1ec7t. Ngh\u0129a v\u1ee5 th\u1ee9 nh\u1ea5t xu\u1ea5t ph\u00e1t t\u1eeb quan h\u1ec7 lao \u0111\u1ed9ng v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m, c\u00f2n ngh\u0129a v\u1ee5 th\u1ee9 hai li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c xin c\u1ea5p gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi v\u00e0 l\u00e0m vi\u1ec7c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng <strong>ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng l\u00e0 \u0111\u01a1n v\u1ecb \u0111\u00f3ng b\u1ea3o hi\u1ec3m<\/strong>. N\u1ebfu ng\u01b0\u1eddi lao \u0111\u1ed9ng ho\u1eb7c ng\u01b0\u1eddi nh\u1eadn th\u1ea7u thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng tham gia b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c, th\u00ec ng\u01b0\u1eddi n\u1ed9p ti\u1ec1n b\u1ea3o hi\u1ec3m s\u1ebd th\u1ef1c hi\u1ec7n vi\u1ec7c \u0111\u0103ng k\u00fd. V\u1ec1 nguy\u00ean t\u1eafc, ng\u01b0\u1eddi n\u00e0y c\u00f3 tr\u00e1ch nhi\u1ec7m <strong>7 ng\u00e0y k\u1ec3 t\u1eeb khi ph\u00e1t sinh ngh\u0129a v\u1ee5 b\u1ea3o hi\u1ec3m<\/strong>. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c m\u1ed9t c\u00e1ch h\u1ee3p ph\u00e1p \u0111\u00e3 \u0111\u1ee7 \u0111\u1ec3 ch\u1ee9ng minh r\u1eb1ng t\u1ea5t c\u1ea3 c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1ea7n ph\u00e2n bi\u1ec7t gi\u1eefa vi\u1ec7c ph\u00e1t sinh quy\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c th\u1ef1c t\u1ebf \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m. <strong>Vi\u1ec7c c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 ch\u1ee9ng minh vi\u1ec7c \u0111\u0103ng k\u00fd \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00e0nh c\u00f4ng.<\/strong> Do \u0111\u00f3, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u00ean xin x\u00e1c nh\u1eadn r\u1eb1ng b\u00ean n\u1ed9p thu\u1ebf \u0111\u00e3 ho\u00e0n th\u00e0nh ph\u1ea7n ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi t\u00e0i li\u1ec7u \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong th\u1ee7 t\u1ee5c xin c\u01b0 tr\u00fa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean suy ra t\u1eeb nh\u1eefng nguy\u00ean t\u1eafc n\u00e0y m\u1ed9t k\u1ebft lu\u1eadn chung r\u1eb1ng ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng lu\u00f4n ph\u1ea3i mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC t\u01b0 nh\u00e2n. C\u00e1c quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c n\u00eau trong t\u00e0i li\u1ec7u n\u00e0y ph\u00e2n bi\u1ec7t r\u00f5 ngh\u0129a v\u1ee5 khai b\u00e1o c\u1ee7a ng\u01b0\u1eddi n\u1ed9p ti\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 ch\u1ee9ng minh c\u00f3 b\u1ea3o \u0111\u1ea3m trong h\u1ed3 s\u01a1 c\u01b0 tr\u00fa. H\u01b0\u1edbng d\u1eabn n\u00e0y gi\u1ea3i th\u00edch chi ti\u1ebft h\u01a1n v\u1ec1 s\u1ef1 ph\u00e2n bi\u1ec7t n\u00e0y <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/luat-phap-va-quy-dinh\/luat-ve-nguoi-nuoc-ngoai-va-bao-hiem-y-te\/\">Lu\u1eadt v\u1ec1 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rodzaj-umowy\">T\u1ea7m quan tr\u1ecdng c\u1ee7a lo\u1ea1i h\u1ee3p \u0111\u1ed3ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng quy\u1ebft \u0111\u1ecbnh vi\u1ec7c c\u00f4ng vi\u1ec7c \u0111\u00f3 c\u00f3 ph\u1ea3i l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m y t\u1ebf b\u1eaft bu\u1ed9c hay kh\u00f4ng. Lu\u1eadt n\u00e0y \u00e1p d\u1ee5ng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u0169ng nh\u01b0 nh\u1eefng ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c theo h\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c ho\u1eb7c h\u1ee3p \u0111\u1ed3ng cung c\u1ea5p d\u1ecbch v\u1ee5 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng, mi\u1ec5n l\u00e0 h\u1ecd \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau ch\u00ed \u0111\u1ec3 \u0111\u01b0\u1ee3c tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"umowa-o-prace\">H\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong quan h\u1ec7 lao \u0111\u1ed9ng <strong>H\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng t\u1ea1o th\u00e0nh c\u01a1 s\u1edf b\u1ea3o hi\u1ec3m ti\u00eau chu\u1ea9n<\/strong>, v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00f3ng vai tr\u00f2 l\u00e0 b\u00ean n\u1ed9p thu\u1ebf. Nhi\u1ec7m v\u1ee5 c\u1ee7a h\u1ecd l\u00e0 th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c khai b\u00e1o khi ngh\u0129a v\u1ee5 n\u00e0y ph\u00e1t sinh. T\u1eeb g\u00f3c \u0111\u1ed9 c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, m\u00e0 c\u00f2n ph\u1ea3i ki\u1ec3m tra xem th\u1ee7 t\u1ee5c khai b\u00e1o \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n hay ch\u01b0a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5: M\u1ed9t ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i b\u1eaft \u0111\u1ea7u l\u00e0m vi\u1ec7c theo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, v\u1ed1n l\u00e0 c\u01a1 s\u1edf cho \u0111\u01a1n xin c\u01b0 tr\u00fa c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3. Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf, trong khi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u1eabn ph\u1ea3i t\u1ef1 n\u1ed9p \u0111\u01a1n v\u00e0 xu\u1ea5t tr\u00ecnh c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"umowa-zlecenia\">H\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c c\u0169ng c\u00f3 th\u1ec3 ph\u1ea3i tham gia b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c n\u1ebfu \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Vi\u1ec7c \u0111\u00e1nh gi\u00e1 ngh\u0129a v\u1ee5 b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c \u0111\u00f2i h\u1ecfi ph\u1ea3i ph\u00e2n t\u00edch c\u1ee5 th\u1ec3 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi c\u1ee7a v\u0103n b\u1ea3n. B\u00e0i vi\u1ebft n\u00e0y tr\u00ecnh b\u00e0y chi ti\u1ebft v\u1ec1 t\u00ecnh hu\u1ed1ng n\u00e0y <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/luat-phap-va-quy-dinh\/hop-dong-uy-thac-va-bao-hiem-y-te-cua-nguoi-nuoc-ngoai\/\">H\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c v\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5: Ng\u01b0\u1eddi nh\u1eadn th\u1ea7u n\u1ed9p c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u01b0 tr\u00fa v\u00e0 l\u00e0m vi\u1ec7c. Ng\u01b0\u1eddi n\u00e0y c\u1ea7n x\u00e1c \u0111\u1ecbnh xem h\u1ee3p \u0111\u1ed3ng c\u1ee7a m\u00ecnh c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c hay kh\u00f4ng, ai l\u00e0 ng\u01b0\u1eddi c\u00f3 ngh\u0129a v\u1ee5 \u0111\u00f3ng b\u1ea3o hi\u1ec3m v\u00e0 li\u1ec7u th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n hay ch\u01b0a. Ng\u01b0\u1eddi n\u00e0y kh\u00f4ng n\u00ean cho r\u1eb1ng vi\u1ec7c b\u1eaft \u0111\u1ea7u l\u00e0m vi\u1ec7c \u0111\u00e3 t\u1ef1 \u0111\u1ed9ng gi\u1ea3i quy\u1ebft t\u1ea5t c\u1ea3 c\u00e1c v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>X\u00e1c \u0111\u1ecbnh xem h\u1ee3p \u0111\u1ed3ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c b\u1eaft bu\u1ed9c ph\u1ea3i mua b\u1ea3o hi\u1ec3m hay kh\u00f4ng.<\/li>\n\n\n\n<li>X\u00e1c nh\u1eadn xem ai l\u00e0 ng\u01b0\u1eddi n\u1ed9p ti\u1ec1n.<\/li>\n\n\n\n<li>H\u00e3y ki\u1ec3m tra xem \u0111\u01a1n \u0111\u00e3 \u0111\u01b0\u1ee3c n\u1ed9p ch\u01b0a.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"umowa-o-dzielo\">H\u1ee3p \u0111\u1ed3ng th\u1ef1c hi\u1ec7n c\u00f4ng tr\u00ecnh<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c c\u1ee5 th\u1ec3, kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng quy t\u1eafc t\u1ef1 \u0111\u1ed9ng r\u1eb1ng trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec1u ph\u1ea3i mua b\u1ea3o hi\u1ec3m y t\u1ebf KLC. Trong th\u1ee7 t\u1ee5c gia h\u1ea1n gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi v\u00e0 l\u00e0m vi\u1ec7c, c\u01a1 quan ch\u1ee9c n\u0103ng n\u00eau r\u00f5 r\u1eb1ng ng\u01b0\u1eddi lao \u0111\u1ed9ng theo h\u1ee3p \u0111\u1ed3ng th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c c\u1ee5 th\u1ec3 ph\u1ea3i xu\u1ea5t tr\u00ecnh gi\u1ea5y t\u1edd c\u00f2n hi\u1ec7u l\u1ef1c ch\u1ee9ng minh vi\u1ec7c c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 m\u1ed9t l\u1eddi khuy\u00ean th\u1ef1c ti\u1ec5n quan tr\u1ecdng, nh\u01b0ng <strong>H\u1ee3p \u0111\u1ed3ng th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 trong b\u1ed1i c\u1ea3nh c\u1ee7a th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa c\u1ee5 th\u1ec3<\/strong>. Kh\u00f4ng n\u00ean m\u1edf r\u1ed9ng y\u00eau c\u1ea7u t\u1eeb m\u1ed9t th\u1ee7 t\u1ee5c sang m\u1ecdi lo\u1ea1i h\u00ecnh c\u01b0 tr\u00fa v\u00e0 m\u1ecdi t\u00ecnh hu\u1ed1ng ngh\u1ec1 nghi\u1ec7p.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sprawa-pobytowa\">B\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u01b0 tr\u00fa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u01b0\u1ee3c c\u1ea5p gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi v\u00e0 l\u00e0m vi\u1ec7c, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan. <strong>\u0110i\u1ec1u ki\u1ec7n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng th\u00f4ng qua b\u1ea3o hi\u1ec3m ph\u00e1t sinh t\u1eeb c\u00f4ng vi\u1ec7c<\/strong>, n\u1ebfu ch\u00ednh c\u00f4ng vi\u1ec7c n\u00e0y l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 xin gi\u1ea5y ph\u00e9p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n kh\u00f4ng t\u1ef1 \u0111\u1ed9ng l\u00e0 c\u00e1ch duy nh\u1ea5t \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u n\u00e0y. Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n ki\u1ec3m tra xem vi\u1ec7c l\u00e0m c\u00f3 mang l\u1ea1i t\u01b0 c\u00e1ch tham gia b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p hay kh\u00f4ng v\u00e0 c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t ch\u01b0a. N\u1ebfu b\u1ea3o hi\u1ec3m kh\u00f4ng xu\u1ea5t ph\u00e1t t\u1eeb c\u00f4ng vi\u1ec7c, b\u1ea1n c\u1ea7n ki\u1ec3m tra xem th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 \u0111\u00f3 y\u00eau c\u1ea7u lo\u1ea1i gi\u1ea5y x\u00e1c nh\u1eadn n\u00e0o: b\u1ea3o hi\u1ec3m y t\u1ebf hay gi\u1ea5y x\u00e1c nh\u1eadn vi\u1ec7c c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC ch\u1ec9 c\u00f3 th\u1ec3 l\u00e0 gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00f3 khi n\u00f3 ph\u00f9 h\u1ee3p v\u1edbi th\u1ee7 t\u1ee5c \u0111\u00f3 v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a ch\u00ednh h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u1ed9p \u0111\u01a1n xin c\u01b0 tr\u00fa t\u1ea1m th\u1eddi cho ch\u00ednh m\u00ecnh.<\/strong> Anh \u1ea5y n\u00ean l\u00e0m vi\u1ec7c \u0111\u00f3 ch\u1eadm nh\u1ea5t l\u00e0 v\u00e0o <strong>v\u00e0o ng\u00e0y cu\u1ed1i c\u00f9ng c\u1ee7a th\u1eddi gian l\u01b0u tr\u00fa h\u1ee3p ph\u00e1p t\u1ea1i Ba Lan<\/strong>. Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn vi\u1ec7c l\u00e0m v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf, nh\u01b0ng \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 h\u1ecd s\u1ebd thay m\u1eb7t ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c n\u1ed9p \u0111\u01a1n \u0111\u00fang h\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1, b\u1ea1n n\u00ean t\u1ed5ng h\u1ee3p ba th\u00f4ng tin sau: c\u01a1 s\u1edf ph\u00e1p l\u00fd, t\u00ecnh tr\u1ea1ng h\u1ed3 s\u01a1 v\u00e0 danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft cho th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 \u0111\u00f3. <strong>Kh\u00f4ng ph\u1ea3i m\u1ecdi tr\u01b0\u1eddng h\u1ee3p thi\u1ebfu gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m \u0111\u1ec1u \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u00f3 ngh\u0129a v\u1ee5 ph\u1ea3i mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/strong> Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 c\u00f3 ngh\u0129a l\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i b\u1ed5 sung v\u00e0o h\u1ed3 s\u01a1 c\u1ee7a m\u00ecnh b\u1eb1ng gi\u1ea5y x\u00e1c nh\u1eadn ph\u00f9 h\u1ee3p.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"polisa-klc\">Khi n\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC c\u00f3 \u00fd ngh\u0129a th\u1ef1c ti\u1ec5n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KLC l\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 th\u1ec3 x\u00e1c nh\u1eadn vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb tr\u00ean l\u00e3nh th\u1ed5 Ba Lan khi t\u00e0i li\u1ec7u n\u00e0y \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u trong th\u1ee7 t\u1ee5c xin c\u01b0 tr\u00fa. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam th\u00f4ng tin chi ti\u1ebft trong c\u1ea9m nang v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y, <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 KLC d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0 g\u00ec?<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lu\u00f4n c\u1ea7n ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng. \u0110i\u1ec1u kho\u1ea3n c\u1ee7a Compensa n\u0103m 2026 n\u00eau r\u00f5 r\u1eb1ng 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 th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. \u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn <strong>b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n v\u00e0 vi\u1ec7c \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 b\u1eb1ng ch\u1ee9ng cho th\u1ea5y t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a KLC \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng h\u1ec7t nhau.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Uniqa n\u0103m 2020 n\u00eau r\u00f5 r\u1eb1ng t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 l\u00e0 m\u1ee9c tr\u1ea7n tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed7i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 m\u1ed7i l\u1ea7n chi tr\u1ea3 s\u1ebd l\u00e0m gi\u1ea3m gi\u1edbi h\u1ea1n c\u00f2n l\u1ea1i. <strong>H\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t kho\u1ea3n ng\u00e2n s\u00e1ch v\u00f4 t\u1eadn.<\/strong> Do \u0111\u00f3, tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, c\u1ea7n ph\u1ea3i ki\u1ec3m tra t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh c\u1ee7a ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn, ch\u1ee9 kh\u00f4ng n\u00ean ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t h\u01b0\u1edbng d\u1eabn ri\u00eang bi\u1ec7t tr\u00ecnh b\u00e0y, <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/chi-phi-dieu-tri\/chi-phi-dieu-tri-noi-tru-tai-ba-lan-khi-khong-co-bao-hiem-lam-the-nao-de-tinh-toan-hoa-don\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ednh h\u00f3a \u0111\u01a1n vi\u1ec7n ph\u00ed khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"checklista\">C\u00e1ch ki\u1ec3m tra t\u00ecnh h\u00ecnh t\u1eebng b\u01b0\u1edbc m\u1ed9t<\/h2>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsklc-checklist kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-klc-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-check-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>H\u00e3y ki\u1ec3m tra lo\u1ea1i v\u00e0 n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/strong> X\u00e1c \u0111\u1ecbnh xem \u0111\u00e2y l\u00e0 h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, h\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c, h\u1ee3p \u0111\u1ed3ng cung c\u1ea5p d\u1ecbch v\u1ee5 hay h\u1ee3p \u0111\u1ed3ng th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-check-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>X\u00e1c nh\u1eadn xem ai l\u00e0 ng\u01b0\u1eddi n\u1ed9p ti\u1ec1n.<\/strong> \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng, \u0111\u00f3 l\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng; \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c, c\u1ea7n tham chi\u1ebfu \u0111\u1ebfn danh x\u01b0ng ph\u00f9 h\u1ee3p.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-check-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>X\u00e1c nh\u1eadn vi\u1ec7c \u0111\u00e3 g\u1eedi th\u00f4ng b\u00e1o.<\/strong> \u0110\u1eebng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf th\u00f4ng tin r\u1eb1ng c\u00f4ng vi\u1ec7c \u0111\u00f3 l\u00e0 h\u1ee3p ph\u00e1p hay h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-check-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>X\u00e1c \u0111\u1ecbnh m\u1ee5c \u0111\u00edch c\u1ee7a t\u00e0i li\u1ec7u.<\/strong> Vi\u1ec7c t\u1ef1 kinh doanh c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t theo m\u1ed9t quy tr\u00ecnh ri\u00eang, c\u00f2n \u0111\u01a1n xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi v\u00e0 l\u00e0m vi\u1ec7c l\u1ea1i c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t theo m\u1ed9t quy tr\u00ecnh kh\u00e1c.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-check-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>H\u00e3y \u0111\u1ecdc c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh.<\/strong> H\u00e3y l\u01b0u \u00fd \u0111\u1ebfn 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 c\u00e1ch th\u1ee9c kh\u1ea5u tr\u1eeb h\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-check-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-check-6 .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-klc-check-6 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\u00e3y gi\u1eef l\u1ea1i gi\u1ea5y t\u1edd ch\u1ee9ng minh b\u1ea1n c\u00f3 b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, n\u1ebfu th\u1ee7 t\u1ee5c c\u1ee7a b\u1ea1n y\u00eau c\u1ea7u.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ee9 t\u1ef1 an to\u00e0n nh\u1ea5t r\u1ea5t \u0111\u01a1n gi\u1ea3n: tr\u01b0\u1edbc ti\u00ean l\u00e0 x\u00e1c \u0111\u1ecbnh lo\u1ea1i b\u1ea3o hi\u1ec3m, sau \u0111\u00f3 l\u00e0 x\u00e1c nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd, v\u00e0 cu\u1ed1i c\u00f9ng l\u00e0 th\u1ea9m \u0111\u1ecbnh c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft cho h\u1ed3 s\u01a1 c\u01b0 tr\u00fa. <strong>Kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng v\u00e0 t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-pracodawca-zawsze-musi-kupic-cudzoziemcowi-polise-klc\">Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i mua b\u1ea3o hi\u1ec3m KLC cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Kh\u00f4ng c\u00f3 quy \u0111\u1ecbnh b\u1eaft bu\u1ed9c chung n\u00e0o y\u00eau c\u1ea7u ph\u1ea3i mua b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n cho m\u1ecdi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean \u0111\u00f3ng b\u1ea3o hi\u1ec3m khi vi\u1ec7c l\u00e0m t\u1ea1o ra c\u01a1 s\u1edf ph\u00e1p l\u00fd t\u01b0\u01a1ng \u1ee9ng, trong khi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 tr\u00e1ch nhi\u1ec7m n\u1ed9p \u0111\u01a1n xin c\u01b0 tr\u00fa v\u00e0 \u0111\u00ednh k\u00e8m c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-legalna-praca-oznacza-ze-zgloszenie-zostalo-juz-wykonane\">Vi\u1ec7c l\u00e0m h\u1ee3p ph\u00e1p c\u00f3 ngh\u0129a l\u00e0 th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t ch\u01b0a?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean cho r\u1eb1ng nh\u01b0 v\u1eady. Vi\u1ec7c c\u1ea5p b\u1eb1ng s\u00e1ng ch\u1ebf v\u00e0 vi\u1ec7c n\u1ed9p \u0111\u01a1n \u0111\u0103ng k\u00fd l\u00e0 hai v\u1ea5n \u0111\u1ec1 kh\u00e1c nhau. <strong>C\u1ea7n x\u00e1c nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd<\/strong>, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn vi\u1ec7c l\u00e0m trong h\u1ed3 s\u01a1 xin c\u01b0 tr\u00fa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-przy-umowie-zlecenia-cudzoziemiec-podlega-ubezpieczeniu-zdrowotnemu\">Theo h\u1ee3p \u0111\u1ed3ng \u1ee7y th\u00e1c, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 ph\u1ea3i tham gia b\u1ea3o hi\u1ec3m y t\u1ebf kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi nh\u1eadn th\u1ea7u ph\u1ea3i tham gia b\u1ea3o hi\u1ec3m y t\u1ebf b\u1eaft bu\u1ed9c n\u1ebfu \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i. Vi\u1ec7c \u0111\u00e1nh gi\u00e1 ph\u1ea3i d\u1ef1a tr\u00ean t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y nh\u1eefng gi\u1ea3i th\u00edch chi ti\u1ebft trong c\u1ea9m nang <a href=\"https:\/\/insurancepoland.pl\/vi\/huong-dan\/luat-phap-va-quy-dinh\/luat-ve-nguoi-nuoc-ngoai-va-bao-hiem-y-te\/\">Lu\u1eadt v\u1ec1 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-polisa-klc-zastepuje-obowiazki-pracodawcy\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC c\u00f3 thay th\u1ebf c\u00e1c ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng thay th\u1ebf ngh\u0129a v\u1ee5 khai b\u00e1o c\u1ee7a ng\u01b0\u1eddi n\u1ed9p thu\u1ebf<\/strong>, khi ngh\u0129a v\u1ee5 \u0111\u00f3 ph\u00e1t sinh t\u1eeb quan h\u1ec7 lao \u0111\u1ed9ng. Tuy nhi\u00ean, n\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t v\u0103n b\u1ea3n x\u00e1c nh\u1eadn ri\u00eang bi\u1ec7t v\u1ec1 vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb theo y\u00eau c\u1ea7u c\u1ee7a m\u1ed9t th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3.<\/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 xem t\u00e0i li\u1ec7u c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa hay kh\u00f4ng, ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec, c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5. \u0110\u1eebng \u00e1p d\u1ee5ng c\u00e1c th\u00f4ng s\u1ed1 c\u1ee7a m\u1ed9t s\u1ea3n ph\u1ea9m duy nh\u1ea5t cho to\u00e0n b\u1ed9 c\u00e1c s\u1ea3n ph\u1ea9m tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u1ea7n mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd c\u01b0 tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n l\u00e0 l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a b\u1ea1n, h\u00e3y s\u1eed d\u1ee5ng bi\u1ec3u m\u1eabu tr\u00ean trang 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 TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c tuy\u1ec3n d\u1ee5ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn gi\u1ea5y t\u1edd c\u01b0 tr\u00fa l\u00e0 hai l\u0129nh v\u1ef1c tr\u00e1ch nhi\u1ec7m ri\u00eang bi\u1ec7t. Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ho\u1eb7c ng\u01b0\u1eddi chi tr\u1ea3 kh\u00e1c c\u00f3 ngh\u0129a v\u1ee5 ph\u1ea3i th\u00f4ng b\u00e1o\u2026<\/p>","protected":false},"author":1,"featured_media":3724,"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":[21],"tags":[58,59,54,29],"class_list":["post-3725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prawo-i-przepisy","tag-obowiazki-pracodawcy","tag-pobyt-cudzoziemca","tag-ubezpieczenie-klc","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>Ubezpieczenie KLC w Polsce: obowi\u0105zek pracodawcy czy cudzoziemca?<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, kto odpowiada za ubezpieczenie KLC w Polsce. 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