{"id":3734,"date":"2026-11-02T13:14:06","date_gmt":"2026-11-02T12:14:06","guid":{"rendered":"https:\/\/insurancepoland.pl\/?p=3734"},"modified":"2026-11-02T13:14:06","modified_gmt":"2026-11-02T12:14:06","slug":"phan-dong-gop-tu-chi-tra-trong-hop-dong-bao-hiem-klc-anh-huong-nhu-the-nao-den-chi-phi-dieu-tri","status":"publish","type":"post","link":"https:\/\/insurancepoland.pl\/vi\/poradnik\/faq-i-porady\/udzial-wlasny-w-polisie-klc-jak-wplywa-na-oplate-za-leczenie\/","title":{"rendered":"M\u1ee9c \u0111\u1ed3ng chi tr\u1ea3 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC \u2013 \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">M\u1ee9c \u0111\u1ed3ng chi tr\u1ea3 v\u00e0 m\u1ee9c mi\u1ec5n th\u01b0\u1eddng c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh li\u1ec7u sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3i t\u1ef1 chi tr\u1ea3 m\u1ed9t ph\u1ea7n chi ph\u00ed \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn hay kh\u00f4ng. Tuy nhi\u00ean, kh\u00f4ng n\u00ean cho r\u1eb1ng quy \u0111\u1ecbnh n\u00e0y lu\u00f4n \u00e1p d\u1ee5ng trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. <strong>\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111\u1eb7c \u0111i\u1ec3m t\u1ef1 \u0111\u1ed9ng c\u00f3 trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC<\/strong>. C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), ph\u01b0\u01a1ng \u00e1n \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn c\u0169ng nh\u01b0 c\u00e1c th\u00f4ng tin \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, ch\u1ec9 ki\u1ec3m tra m\u1ee9c b\u1ea3o hi\u1ec3m th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7. C\u1ea7n x\u00e1c \u0111\u1ecbnh xem h\u1ee3p \u0111\u1ed3ng c\u00f3 quy \u0111\u1ecbnh m\u1ee9c t\u1ef1 ch\u1ecbu hay m\u1ee9c mi\u1ec5n th\u01b0\u1eddng hay kh\u00f4ng, ch\u00fang \u00e1p d\u1ee5ng c\u1ee5 th\u1ec3 cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o v\u00e0 \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n nh\u01b0 th\u1ebf n\u00e0o. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1c kh\u00e1i ni\u1ec7m n\u00e0y, kh\u00f4ng \u00e1p d\u1ee5ng ch\u00fang cho t\u1ea5t c\u1ea3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 kh\u00f4ng \u0111\u01b0a ra c\u00e1c m\u1ee9c ph\u00ed kh\u00f4ng c\u00f3 c\u01a1 s\u1edf.<\/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\n<li><a href=\"#udzial-wlasny-i-franszyza\">Ph\u1ea7n t\u1ef1 chi tr\u1ea3 v\u00e0 m\u1ee9c mi\u1ec5n th\u01b0\u1eddng \u2013 ch\u00fang c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/a><\/li>\n\n\n<li><a href=\"#wplyw-na-rozliczenie\">Quy \u0111\u1ecbnh nh\u01b0 v\u1eady c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c thanh to\u00e1n nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n\n\n<li><a href=\"#przyklady-rozliczenia\">C\u00e1c v\u00ed d\u1ee5 kh\u00f4ng c\u00f3 m\u1ee9c tr\u1ea7n v\u1ec1 m\u1ed9t l\u1ea7n kh\u00e1m v\u00e0 m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 y t\u1ebf<\/a><\/li>\n\n\n<li><a href=\"#co-porownac\">C\u1ea7n so s\u00e1nh nh\u1eefng n\u1ed9i dung n\u00e0o trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 v\u0103n b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/a><\/li>\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<li><a href=\"#decyzja-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh tr\u01b0\u1edbc khi mua?<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"udzial-wlasny-i-franszyza\">Ph\u1ea7n t\u1ef1 chi tr\u1ea3 v\u00e0 m\u1ee9c mi\u1ec5n th\u01b0\u1eddng \u2013 ch\u00fang c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ee9c t\u1ef1 chi tr\u1ea3 l\u00e0 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng, theo \u0111\u00f3 m\u1ed9t ph\u1ea7n nh\u1ea5t \u0111\u1ecbnh c\u1ee7a chi ph\u00ed c\u00f3 th\u1ec3 do ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u1ecbu. C\u00e1ch t\u00ednh m\u1ee9c n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 t\u00f9y \u00fd \u2013 n\u00f3 c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o c\u1ea5u tr\u00fac c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Do \u0111\u00f3, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 <strong>\u0111\u1ecbnh ngh\u0129a ch\u00ednh x\u00e1c \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU)<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a c\u1ee5m t\u1eeb \u201eph\u1ea7n \u0111\u00f3ng g\u00f3p c\u1ee7a b\u1ea3n th\u00e2n\u201d trong c\u00e1c t\u00e0i li\u1ec7u th\u00f4ng tin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ee9c kh\u1ea5u tr\u1eeb c\u0169ng l\u00e0 m\u1ed9t gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u d\u1ef1a tr\u00ean \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3. N\u00f3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed9t \u0111i\u1ec1u ki\u1ec7n ho\u1eb7c ng\u01b0\u1ee1ng quan tr\u1ecdng \u0111\u1ed1i v\u1edbi vi\u1ec7c thanh to\u00e1n, nh\u01b0ng b\u1ea3n th\u00e2n t\u00ean g\u1ecdi n\u00e0y ch\u01b0a cho bi\u1ebft li\u1ec7u c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 chi tr\u1ea3 chi ph\u00ed hay kh\u00f4ng v\u00e0 trong ph\u1ea1m vi n\u00e0o. Kh\u00f4ng n\u00ean hi\u1ec3u nh\u1ea7m l\u1eabn c\u00e1c kh\u00e1i ni\u1ec7m n\u00e0y m\u00e0 kh\u00f4ng ki\u1ec3m tra \u0111\u1ecbnh ngh\u0129a c\u1ee7a ch\u00fang.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, s\u1ef1 kh\u00e1c bi\u1ec7t th\u1ef1c ti\u1ec5n quan tr\u1ecdng nh\u1ea5t kh\u00f4ng xu\u1ea5t ph\u00e1t t\u1eeb ngh\u0129a th\u00f4ng th\u01b0\u1eddng c\u1ee7a c\u00e1c t\u1eeb, m\u00e0 xu\u1ea5t ph\u00e1t t\u1eeb c\u00e2u tr\u1ea3 l\u1eddi cho ba c\u00e2u h\u1ecfi then ch\u1ed1t:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>ph\u1ea7n chi ph\u00ed n\u00e0o c\u00f3 th\u1ec3 do ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u1ecbu;<\/li>\n\n\n<li>khi h\u1ea1n ch\u1ebf \u0111\u00f3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng;<\/li>\n\n\n<li>\u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi: s\u1ef1 ki\u1ec7n, kho\u1ea3n thanh to\u00e1n ri\u00eang l\u1ebb, h\u00f3a \u0111\u01a1n hay \u0111\u01a1n v\u1ecb kh\u00e1c \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng.<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1ea7n t\u00ecm ki\u1ebfm th\u00f4ng tin c\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) l\u1eabn trong <strong>trong v\u0103n b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m x\u00e1c nh\u1eadn ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn<\/strong>. N\u1ebfu c\u00e1c t\u00e0i li\u1ec7u n\u00e0y c\u00f3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u kho\u1ea3n ho\u1eb7c ph\u1ee5 l\u1ee5c, th\u00ec c\u0169ng c\u1ea7n ph\u1ea3i \u0111\u1ecdc k\u1ef9 nh\u1eefng ph\u1ea7n \u0111\u00f3. Ch\u1ec9 d\u1ef1a v\u00e0o b\u1ea3n m\u00f4 t\u1ea3 chung v\u1ec1 s\u1ea3n ph\u1ea9m th\u00f4i th\u00ec kh\u00f4ng \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng s\u1ebd kh\u00f4ng ph\u00e1t sinh kho\u1ea3n ph\u1ee5 ph\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wplyw-na-rozliczenie\">Quy \u0111\u1ecbnh nh\u01b0 v\u1eady c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c thanh to\u00e1n nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u00e1nh gi\u00e1 s\u1ef1 c\u1ed1 v\u00e0 c\u00e1c chi ph\u00ed \u0111\u01b0\u1ee3c khai b\u00e1o theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Ch\u1ec9 trong qu\u00e1 tr\u00ecnh gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng n\u00e0y, c\u00e1c gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi c\u00f3 th\u1ec3 c\u00f3 \u00fd ngh\u0129a. M\u1ee9c kh\u1ea5u tr\u1eeb c\u00f3 th\u1ec3 c\u00f3 ngh\u0129a l\u00e0 sau khi chi ph\u00ed \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn <strong>m\u1ed9t ph\u1ea7n chi ph\u00ed thanh to\u00e1n v\u1eabn do ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u1ecbu<\/strong>. \u0110\u1ed1i v\u1edbi \u0111i\u1ec1u kho\u1ea3n mi\u1ec5n tr\u1eeb, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u00e1ch h\u1ee3p \u0111\u1ed3ng m\u00f4 t\u1ea3 \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 c\u0169ng nh\u01b0 h\u1eadu qu\u1ea3 khi \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng ho\u1eb7c kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 k\u1ebft lu\u1eadn tr\u01b0\u1edbc r\u1eb1ng c\u01a1 ch\u1ebf n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ed9t l\u1ea7n duy nh\u1ea5t cho to\u00e0n b\u1ed9 s\u1ef1 ki\u1ec7n. H\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u01a1n v\u1ecb t\u00ednh to\u00e1n kh\u00e1c. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, c\u1ea7n t\u00ecm \u0111i\u1ec1u kho\u1ea3n l\u00e0m r\u00f5 li\u1ec7u gi\u1edbi h\u1ea1n n\u00e0y \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ef1 c\u1ed1, m\u1ed9t h\u00f3a \u0111\u01a1n, m\u1ed9t kho\u1ea3n chi tr\u1ea3 ri\u00eang l\u1ebb hay to\u00e0n b\u1ed9 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. Ch\u00ednh chi ti\u1ebft n\u00e0y c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh k\u1ebft qu\u1ea3 cu\u1ed1i c\u00f9ng trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 nhi\u1ec1u kho\u1ea3n chi ph\u00ed li\u00ean quan \u0111\u1ebfn c\u00f9ng m\u1ed9t t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 ph\u1ea7n t\u1ef1 ch\u1ecbu v\u00e0 m\u1ee9c mi\u1ec5n th\u01b0\u1eddng v\u1edbi c\u00e1c quy \u0111\u1ecbnh kh\u00e1c. \u0110i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m, gi\u1edbi h\u1ea1n chi ph\u00ed c\u1ee5 th\u1ec3 v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f9ng m\u1ed9t c\u01a1 ch\u1ebf. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa Cudzoziemiec n\u0103m 2026, c\u00e1c \u0111i\u1ec1u ki\u1ec7n chi tr\u1ea3 quy\u1ec1n l\u1ee3i c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n ri\u00eang bi\u1ec7t. V\u00ed d\u1ee5 n\u00e0y cho th\u1ea5y l\u00fd do t\u1ea1i sao <strong>M\u1ed7i lo\u1ea1i h\u1ea1n ch\u1ebf c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra ri\u00eang bi\u1ec7t<\/strong>. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ee9ng minh r\u1eb1ng s\u1ea3n ph\u1ea9m n\u00e0y c\u00f3 ph\u1ea7n t\u1ef1 chi tr\u1ea3 ho\u1eb7c m\u1ee9c mi\u1ec5n th\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n l\u00e0m r\u00f5 c\u00e1c kh\u00e1i ni\u1ec7m 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 KLC ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/a>. Ngo\u00e0i ra, b\u1ea1n n\u00ean xem th\u1eed n\u00f3 c\u00f3 th\u1ec3 tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o <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\/\">chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m<\/a>, \u0111\u1ec3 tr\u00e1nh nh\u1ea7m l\u1eabn gi\u1eefa gi\u00e1 d\u1ecbch v\u1ee5 v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"przyklady-rozliczenia\">C\u00e1c v\u00ed d\u1ee5 kh\u00f4ng c\u00f3 m\u1ee9c tr\u1ea7n v\u1ec1 m\u1ed9t l\u1ea7n kh\u00e1m v\u00e0 m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 y t\u1ebf<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c t\u00ecnh hu\u1ed1ng d\u01b0\u1edbi \u0111\u00e2y ch\u1ec9 nh\u1eb1m m\u1ee5c \u0111\u00edch gi\u00fap hi\u1ec3u r\u00f5 c\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng. Ch\u00fang kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c s\u1ed1 ti\u1ec1n c\u1ee5 th\u1ec3 v\u00e0 c\u0169ng kh\u00f4ng gi\u1ea3 \u0111\u1ecbnh vi\u1ec7c s\u1eed d\u1ee5ng m\u1ed9t s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 n\u00e0o.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jedna-pilna-konsultacja-po-naglym-zdarzeniu\">M\u1ed9t cu\u1ed9c t\u01b0 v\u1ea5n kh\u1ea9n c\u1ea5p sau m\u1ed9t s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u1ea7n \u0111\u01b0\u1ee3c c\u1ea5p c\u1ee9u kh\u1ea9n c\u1ea5p sau khi \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m. C\u01a1 s\u1edf y t\u1ebf l\u1eadp h\u00f3a \u0111\u01a1n cho l\u1ea7n kh\u00e1m b\u1ec7nh n\u00e0y. N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn quy \u0111\u1ecbnh m\u1ee9c \u0111\u1ed3ng chi tr\u1ea3 \u00e1p d\u1ee5ng cho kho\u1ea3n thanh to\u00e1n n\u00e0y, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 m\u1ed9t ph\u1ea7n chi ph\u00ed \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn, v\u00e0 ph\u1ea7n c\u00f2n l\u1ea1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thanh to\u00e1n theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi h\u1ee9a v\u1ec1 vi\u1ec7c chi tr\u1ea3 c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u00f4 t\u1ea3 v\u1ec1 m\u1ed9t \u0111\u1ec1 ngh\u1ecb c\u1ee5 th\u1ec3.<\/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>\u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 gi\u1ea3 \u0111\u1ecbnh<\/strong><\/p>\n\n\n<p class=\"wp-block-paragraph\">K\u1ebft qu\u1ea3 th\u1ef1c t\u1ebf ph\u1ee5 thu\u1ed9c v\u00e0o ph\u1ea1m vi b\u1ea3o hi\u1ec3m, ho\u00e0n c\u1ea3nh c\u1ee7a s\u1ef1 c\u1ed1, c\u00e1ch th\u1ee9c t\u1ed5 ch\u1ee9c c\u1ee9u h\u1ed9 v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kilka-swiadczen-zwiazanych-z-jednym-zdarzeniem\">M\u1ed9t s\u1ed1 kho\u1ea3n tr\u1ee3 c\u1ea5p li\u00ean quan \u0111\u1ebfn m\u1ed9t s\u1ef1 ki\u1ec7n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sau tai n\u1ea1n, c\u1ea7n ph\u1ea3i \u0111\u1ea3m b\u1ea3o vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 y t\u1ebf, nh\u1eadp vi\u1ec7n (n\u1ebfu c\u1ea7n) v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. N\u1ebfu h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh m\u1ee9c \u0111\u1ed3ng chi tr\u1ea3 ho\u1eb7c m\u1ee9c mi\u1ec5n tr\u1eeb, kh\u00f4ng th\u1ec3 gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng gi\u1edbi h\u1ea1n n\u00e0y ch\u1ec9 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng m\u1ed9t l\u1ea7n. C\u1ea7n ph\u1ea3i ki\u1ec3m tra <strong>\u0111\u01a1n v\u1ecb t\u00ednh \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng<\/strong> v\u00e0 c\u00e1ch x\u1eed l\u00fd m\u1ed9t s\u1ed1 chi ph\u00ed ph\u00e1t sinh t\u1eeb m\u1ed9t s\u1ef1 ki\u1ec7n duy nh\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong m\u1ed9t m\u00f4 h\u00ecnh gi\u1ea3 \u0111\u1ecbnh, h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf n\u00e0y cho to\u00e0n b\u1ed9 s\u1ef1 ki\u1ec7n. Trong m\u1ed9t m\u00f4 h\u00ecnh kh\u00e1c, h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u01a1 ch\u1ebf n\u00e0y cho t\u1eebng h\u00f3a \u0111\u01a1n ho\u1eb7c t\u1eebng kho\u1ea3n thanh to\u00e1n c\u1ee5 th\u1ec3. C\u00e1c v\u00ed d\u1ee5 d\u01b0\u1edbi \u0111\u00e2y n\u00eau ra nh\u1eefng c\u00e2u h\u1ecfi c\u00f3 th\u1ec3 \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung, v\u00e0 <strong>kh\u00f4ng quy\u1ebft \u0111\u1ecbnh c\u00e1c nguy\u00ean t\u1eafc c\u1ee7a b\u1ea5t k\u1ef3 ph\u01b0\u01a1ng \u00e1n n\u00e0o \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"koszt-ponizej-albo-powyzej-warunku-opisanego-w-umowie\">\u0110i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng m\u1ee9c mi\u1ec5n tr\u1eeb ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu v\u0103n b\u1ea3n s\u1eed d\u1ee5ng kh\u00e1i ni\u1ec7m \u201cm\u1ee9c mi\u1ec5n th\u01b0\u1eddng\u201d, h\u00e3y ki\u1ec3m tra \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng m\u1ee9c mi\u1ec5n th\u01b0\u1eddng n\u00e0y c\u0169ng nh\u01b0 h\u1eadu qu\u1ea3 khi \u0111\u00e1p \u1ee9ng ho\u1eb7c kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3. Kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3, c\u0169ng nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c cho r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd lu\u00f4n kh\u1ea5u tr\u1eeb m\u1ed9t ph\u1ea7n chi ph\u00ed nh\u1ea5t \u0111\u1ecbnh. H\u1eadu qu\u1ea3 ph\u1ea3i \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, tr\u01b0\u1edbc ti\u00ean c\u1ea7n ki\u1ec3m tra xem s\u1ef1 c\u1ed1 c\u00f3 n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m hay kh\u00f4ng. Ch\u1ec9 sau \u0111\u00f3 m\u1edbi c\u00f3 th\u1ec3 ph\u00e2n t\u00edch c\u00e1ch thanh to\u00e1n c\u00e1c chi ph\u00ed \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC nh\u1eb1m m\u1ee5c \u0111\u00edch b\u1ea3o v\u1ec7 trong c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng l\u00e0m t\u00e0i li\u1ec7u \u0111\u1ec3 xin th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa; kh\u00f4ng n\u00ean coi \u0111\u00e2y l\u00e0 m\u1ed9t g\u00f3i d\u1ecbch v\u1ee5 y t\u1ebf kh\u00f4ng gi\u1edbi h\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-porownac\">C\u1ea7n so s\u00e1nh nh\u1eefng n\u1ed9i dung n\u00e0o trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 v\u0103n b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y m\u1edf \u0111\u1ed3ng th\u1eddi \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), t\u00e0i li\u1ec7u v\u1ec1 ph\u01b0\u01a1ng \u00e1n b\u1ea1n \u0111\u00e3 ch\u1ecdn v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh. Sau \u0111\u00f3, h\u00e3y ki\u1ec3m tra qua danh s\u00e1ch ki\u1ec3m tra ng\u1eafn sau \u0111\u00e2y.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc 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-items53a82c-checklist-klc ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items53a82c-checklist-klc 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-items53a82c-checklist-klc ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items53a82c-checklist-klc .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items53a82c-checklist-klc 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-53a82c-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>C\u00e1c \u0111\u1ecbnh ngh\u0129a:<\/strong> H\u00e3y t\u00ecm hi\u1ec3u \u00fd ngh\u0129a ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c kh\u00e1i ni\u1ec7m: ph\u1ea7n t\u1ef1 ch\u1ecbu, m\u1ee9c mi\u1ec5n th\u01b0\u1eddng, s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m v\u00e0 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>Ph\u1ea1m vi:<\/strong> X\u00e1c \u0111\u1ecbnh c\u00e1c chi ph\u00ed v\u00e0 t\u00ecnh hu\u1ed1ng m\u00e0 c\u00e1c quy \u0111\u1ecbnh n\u00e0y \u00e1p d\u1ee5ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>C\u00e1ch t\u00ednh:<\/strong> H\u00e3y ki\u1ec3m tra c\u01a1 s\u1edf t\u00ednh to\u00e1n v\u00e0 \u0111\u01a1n v\u1ecb m\u00e0 gi\u1edbi h\u1ea1n \u0111\u00f3 \u00e1p d\u1ee5ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>T\u1ea7n su\u1ea5t:<\/strong> H\u00e3y ki\u1ec3m tra xem quy \u0111\u1ecbnh n\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng m\u1ed9t l\u1ea7n hay c\u00f3 th\u1ec3 c\u00f3 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 giao d\u1ecbch.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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>C\u00e1c ph\u01b0\u01a1ng \u00e1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n:<\/strong> H\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111ang \u0111\u1ecdc c\u00e1c t\u00e0i li\u1ec7u ph\u00f9 h\u1ee3p v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n th\u1ef1c s\u1ef1 \u0111\u00e3 ch\u1ecdn.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-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-53a82c-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\"><strong>T\u00e0i li\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m:<\/strong> H\u00e3y ki\u1ec3m tra c\u00e1c th\u00f4ng s\u1ed1 \u0111\u01b0\u1ee3c ghi trong \u0111\u00f3 c\u0169ng nh\u01b0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-53a82c-check-7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-53a82c-check-7 .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-53a82c-check-7 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>Quy tr\u00ecnh x\u1eed l\u00fd sau s\u1ef1 c\u1ed1:<\/strong> H\u00e3y t\u00ecm hi\u1ec3u c\u00e1c quy \u0111\u1ecbnh v\u1ec1 li\u00ean h\u1ec7, t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 v\u00e0 n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 t\u00ecm th\u1ea5y m\u1ed9t ti\u00eau \u0111\u1ec1 trong t\u00e0i li\u1ec7u l\u00e0 ch\u01b0a \u0111\u1ee7. B\u1ea1n c\u1ea7n xem x\u00e9t k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n li\u00ean quan \u0111\u1ebfn c\u00e1c gi\u1edbi h\u1ea1n, tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 v\u00e0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c x\u00e1c \u0111\u1ecbnh m\u1ee9c tr\u1ee3 c\u1ea5p. N\u1ebfu n\u1ed9i dung quy \u0111\u1ecbnh kh\u00f4ng r\u00f5 r\u00e0ng, h\u00e3y y\u00eau c\u1ea7u gi\u1ea3i th\u00edch tr\u01b0\u1edbc khi mua v\u00e0 l\u01b0u gi\u1eef c\u00e2u tr\u1ea3 l\u1eddi nh\u1eadn \u0111\u01b0\u1ee3c c\u00f9ng v\u1edbi c\u00e1c t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c c\u0169ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c l\u1ef1a ch\u1ecdn h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p. Tr\u00ean trang web <a href=\"https:\/\/insurancepoland.pl\/vi\/bao-hiem-cho-thi-thuc\/\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u0111\u1ec3 xin th\u1ecb th\u1ef1c<\/a> b\u1ea1n s\u1ebd t\u00ecm th\u1ea5y gi\u1ea3i ph\u00e1p d\u00e0nh ri\u00eang cho nh\u1eefng ng\u01b0\u1eddi \u0111ang chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c. N\u1ebfu b\u1ea1n \u0111ang n\u1ed9p \u0111\u01a1n xin c\u01b0 tr\u00fa, h\u00e3y ki\u1ec3m tra <a href=\"https:\/\/insurancepoland.pl\/vi\/bao-hiem-cho-the-cu-tru\/\">b\u1ea3o hi\u1ec3m cho th\u1ebb c\u01b0 tr\u00fa<\/a>. C\u00e1c trang n\u00e0y kh\u00f4ng thay th\u1ebf cho vi\u1ec7c \u0111\u1ecdc k\u1ef9 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dokumenty-potrzebne-po-zdarzeniu\">C\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft sau khi x\u1ea3y ra s\u1ef1 c\u1ed1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c y\u00eau c\u1ea7u t\u00f9y thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u1ee7a UNIQA n\u0103m 2020 quy \u0111\u1ecbnh r\u1eb1ng khi n\u1ed9p y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i cung c\u1ea5p, trong s\u1ed1 c\u00e1c th\u00f4ng tin kh\u00e1c, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf k\u00e8m ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u00f9ng c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed. \u0110\u00e2y l\u00e0 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c y\u00eau c\u1ea7u c\u1ee7a m\u1ed9t v\u0103n b\u1ea3n \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 danh s\u00e1ch \u00e1p d\u1ee5ng chung cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Compensa d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026 quy \u0111\u1ecbnh vi\u1ec7c cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng, bao g\u1ed3m h\u1ed3 s\u01a1 y t\u1ebf, c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c t\u00ecnh ti\u1ebft v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ec3 thu th\u1eadp c\u00e1c th\u00f4ng tin y t\u1ebf c\u1ea7n thi\u1ebft nh\u1eb1m \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Tr\u00ean th\u1ef1c t\u1ebf, n\u00ean <strong>gi\u1eef l\u1ea1i s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf<\/strong> v\u00e0 l\u00e0m theo c\u00e1c h\u01b0\u1edbng d\u1eabn v\u1ec1 vi\u1ec7c khai b\u00e1o thi\u1ec7t h\u1ea1i.<\/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<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-kazda-polisa-klc-ma-udzial-wlasny\">C\u00f3 ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a KLC \u0111\u1ec1u c\u00f3 m\u1ee9c kh\u1ea5u tr\u1eeb kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean t\u1ef1 \u00fd gi\u1ea3 \u0111\u1ecbnh nh\u01b0 v\u1eady. Vi\u1ec7c c\u00f3 kho\u1ea3n \u0111\u1ed3ng chi tr\u1ea3 hay kh\u00f4ng ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn r\u00f5 r\u00e0ng trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3. N\u1ebfu b\u1ea1n kh\u00f4ng t\u00ecm th\u1ea5y \u0111i\u1ec1u kho\u1ea3n n\u00e0o n\u00eau r\u00f5 \u0111i\u1ec1u n\u00e0y, h\u00e3y h\u1ecfi r\u00f5 tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-franszyza-zawsze-oznacza-doplate-tej-samej-wielkosci\">M\u1ee9c kh\u1ea5u tr\u1eeb c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng t\u01b0\u01a1ng \u1ee9ng v\u1edbi kho\u1ea3n \u0111\u1ed3ng chi tr\u1ea3 c\u00f3 c\u00f9ng m\u1ee9c kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 k\u1ebft lu\u1eadn \u0111i\u1ec1u n\u00e0y ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean g\u1ecdi. \u00dd ngh\u0129a, \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng v\u00e0 t\u00e1c \u0111\u1ed9ng c\u1ee7a m\u1ee9c mi\u1ec5n th\u01b0\u1eddng ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 v\u0103n b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu thi\u1ebfu nh\u1eefng th\u00f4ng tin n\u00e0y, kh\u00f4ng th\u1ec3 \u0111\u01b0a ra c\u00e1ch t\u00ednh to\u00e1n m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-udzial-wlasny-nalicza-sie-do-kazdej-uslugi-osobno\">Ph\u1ea7n \u0111\u1ed3ng chi tr\u1ea3 c\u00f3 \u0111\u01b0\u1ee3c t\u00ednh ri\u00eang cho t\u1eebng d\u1ecbch v\u1ee5 kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u01a1n v\u1ecb t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. C\u1ea7n ki\u1ec3m tra xem \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 c\u00f3 li\u00ean quan \u0111\u1ebfn m\u1ed9t s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3, h\u00f3a \u0111\u01a1n, d\u1ecbch v\u1ee5 hay c\u01a1 s\u1edf t\u00ednh to\u00e1n kh\u00e1c \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh hay kh\u00f4ng. <strong>\u0110\u1eebng \u00e1p d\u1ee5ng t\u00ednh ph\u00ed t\u1ef1 \u0111\u1ed9ng cho m\u1ecdi d\u1ecbch v\u1ee5 m\u00e0 kh\u00f4ng qua x\u00e1c minh<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wysoka-suma-ubezpieczenia-wyklucza-doplate\">M\u1ee9c b\u1ea3o hi\u1ec3m cao c\u00f3 lo\u1ea1i tr\u1eeb vi\u1ec7c ph\u1ea3i \u0111\u00f3ng th\u00eam ph\u00ed kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 ri\u00eang m\u1ee9c b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi v\u1ec1 kho\u1ea3n t\u1ef1 ch\u1ecbu hay m\u1ee9c mi\u1ec5n th\u01b0\u1eddng. C\u1ea7n ph\u1ea3i ki\u1ec3m tra ri\u00eang bi\u1ec7t m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n chi ph\u00ed. <strong>M\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u00f3 l\u1ee3i kh\u00f4ng th\u1ec3 thay th\u1ebf cho vi\u1ec7c ph\u00e2n t\u00edch to\u00e0n b\u1ed9 h\u1ee3p \u0111\u1ed3ng<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-sprawdzic-gdy-kilka-swiadczen-wynika-z-jednego-zdarzenia\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec khi c\u00f3 nhi\u1ec1u kho\u1ea3n tr\u1ee3 c\u1ea5p ph\u00e1t sinh t\u1eeb c\u00f9ng m\u1ed9t s\u1ef1 ki\u1ec7n?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 x\u00e1c \u0111\u1ecbnh li\u1ec7u m\u1ed9t s\u1ed1 kho\u1ea3n tr\u1ee3 c\u1ea5p s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n chung hay ri\u00eang l\u1ebb, c\u1ea7n ph\u00e2n t\u00edch \u0111\u1ecbnh ngh\u0129a v\u1ec1 s\u1ef1 ki\u1ec7n, c\u00e1c nguy\u00ean t\u1eafc g\u1ed9p chi ph\u00ed c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn \u0111\u01a1n v\u1ecb v\u00e0 t\u1ea7n su\u1ea5t t\u00ednh to\u00e1n gi\u1edbi h\u1ea1n. N\u1ebfu thi\u1ebfu c\u00e1c quy \u0111\u1ecbnh n\u00e0y, kh\u00f4ng th\u1ec3 \u0111\u01b0a ra k\u1ebft lu\u1eadn r\u00f5 r\u00e0ng v\u1ec1 v\u1ea5n \u0111\u1ec1 thanh to\u00e1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-przed-zakupem-mozna-otrzymac-pewnosc-ze-nie-bedzie-zadnej-doplaty\">Tr\u01b0\u1edbc khi mua h\u00e0ng, li\u1ec7u c\u00f3 th\u1ec3 ch\u1eafc ch\u1eafn r\u1eb1ng s\u1ebd kh\u00f4ng ph\u1ea3i tr\u1ea3 th\u00eam b\u1ea5t k\u1ef3 kho\u1ea3n ph\u00ed n\u00e0o kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">L\u1eddi cam k\u1ebft nh\u01b0 v\u1eady c\u1ea7n ph\u1ea3i c\u00f3 s\u1ef1 x\u00e1c nh\u1eadn r\u00f5 r\u00e0ng \u0111\u1ed1i v\u1edbi m\u1ed9t ph\u01b0\u01a1ng \u00e1n c\u1ee5 th\u1ec3 v\u00e0 b\u1ed9 h\u1ed3 s\u01a1 c\u1ee5 th\u1ec3. Kh\u00f4ng n\u00ean suy ra l\u1eddi cam k\u1ebft \u0111\u00f3 t\u1eeb m\u00f4 t\u1ea3 chung v\u1ec1 s\u1ea3n ph\u1ea9m. <strong>So s\u00e1nh \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n li\u00ean quan<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 gi\u00e1 c\u1ea3 hay t\u00ean c\u1ee7a phi\u00ean b\u1ea3n.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"decyzja-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh tr\u01b0\u1edbc khi mua?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ee9 t\u1ef1 c\u00e1c b\u01b0\u1edbc an to\u00e0n nh\u1ea5t r\u1ea5t \u0111\u01a1n gi\u1ea3n: h\u00e3y ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i, ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng c\u00e1c \u0111\u1ecbnh ngh\u0129a, x\u00e1c \u0111\u1ecbnh c\u00e1ch t\u00ednh to\u00e1n c\u00e1c gi\u1edbi h\u1ea1n, sau \u0111\u00f3 so s\u00e1nh c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y v\u1edbi n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. H\u00e3y ch\u00fa \u00fd kh\u00f4ng ch\u1ec9 \u0111\u1ebfn vi\u1ec7c c\u00f3 kho\u1ea3n t\u1ef1 ch\u1ecbu hay m\u1ee9c mi\u1ec5n tr\u1eeb hay kh\u00f4ng, m\u00e0 c\u00f2n \u0111\u1ebfn <strong>ph\u1ea1m vi, \u0111\u01a1n v\u1ecb v\u00e0 t\u1ea7n su\u1ea5t \u00e1p d\u1ee5ng<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu c\u00e1c t\u00e0i li\u1ec7u kh\u00f4ng \u0111\u01b0a ra c\u00e2u tr\u1ea3 l\u1eddi r\u00f5 r\u00e0ng, \u0111\u1eebng t\u1ef1 \u00fd suy \u0111o\u00e1n \u0111\u1ec3 l\u1ea5p \u0111\u1ea7y nh\u1eefng kho\u1ea3ng tr\u1ed1ng. H\u00e3y y\u00eau c\u1ea7u gi\u1ea3i th\u00edch c\u1ee5 th\u1ec3 v\u1ec1 m\u1ed9t \u0111i\u1ec1u kho\u1ea3n n\u00e0o \u0111\u00f3 tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd bi\u1ebft nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0o c\u00f3 th\u1ec3 tr\u1edf n\u00ean quan tr\u1ecdng sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd v\u00e0 c\u1ea7n l\u01b0u gi\u1eef nh\u1eefng t\u00e0i li\u1ec7u n\u00e0o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ec3 ki\u1ec3m tra c\u00e1c ph\u01b0\u01a1ng \u00e1n c\u00f3 s\u1eb5n v\u00e0 nh\u1eadn k\u1ebft qu\u1ea3 t\u00ednh to\u00e1n d\u1ef1a tr\u00ean d\u1eef li\u1ec7u c\u1ee7a b\u1ea1n, h\u00e3y truy c\u1eadp c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n KLC.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\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\/\">T\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m KLC<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>M\u1ee9c \u0111\u1ed3ng chi tr\u1ea3 v\u00e0 m\u1ee9c mi\u1ec5n th\u01b0\u1eddng c\u00f3 th\u1ec3 quy\u1ebft \u0111\u1ecbnh li\u1ec7u sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3i t\u1ef1 chi tr\u1ea3 m\u1ed9t ph\u1ea7n chi ph\u00ed \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn hay kh\u00f4ng. Kh\u00f4ng\u2026<\/p>","protected":false},"author":1,"featured_media":3733,"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":[22],"tags":[68,69,70,67,71],"class_list":["post-3734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faq-i-porady","tag-doplata-ubezpieczonego-do-leczenia","tag-franszyza-w-polisie-medycznej","tag-koszt-po-stronie-pacjenta","tag-udzial-wlasny-w-klc","tag-warunki-rozliczenia-swiadczenia"],"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>Udzia\u0142 w\u0142asny w polisie KLC: wp\u0142yw na koszty leczenia<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, czym jest udzia\u0142 w\u0142asny i franszyza w polisie KLC. Sprawd\u017a, jak te zapisy wp\u0142ywaj\u0105 na rozliczenie \u015bwiadcze\u0144 i co por\u00f3wna\u0107 w OWU przed zakupem.\" \/>\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\/cau-hoi-thuong-gap-va-loi-khuyen\/phan-dong-gop-tu-chi-tra-trong-hop-dong-bao-hiem-klc-anh-huong-nhu-the-nao-den-chi-phi-dieu-tri\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Udzia\u0142 w\u0142asny w polisie KLC: wp\u0142yw na koszty leczenia\" \/>\n<meta property=\"og:description\" content=\"Dowiedz si\u0119, czym jest udzia\u0142 w\u0142asny i franszyza w polisie KLC. 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