{"id":3462,"date":"2026-06-09T17:08:09","date_gmt":"2026-06-09T15:08:09","guid":{"rendered":"https:\/\/insurancevisa.pl\/nieskategoryzowane\/co-zrobic-gdy-ubezpieczyciel-odmawia-zwrotu-kosztow\/"},"modified":"2026-09-05T12:24:57","modified_gmt":"2026-09-05T10:24:57","slug":"phai-lam-gi-khi-cong-ty-bao-hiem-tu-choi-hoan-tra-chi-phi","status":"publish","type":"post","link":"https:\/\/insurancevisa.pl\/vi\/poradnik\/ubezpieczenie-zdrowotne-cudzoziemcow\/co-zrobic-gdy-ubezpieczyciel-odmawia-zwrotu-kosztow\/","title":{"rendered":"Ph\u1ea3i l\u00e0m g\u00ec khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 chi ph\u00ed?"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>T\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 chi ph\u00ed<\/strong> \u0111\u00f3 l\u00e0 t\u00ecnh hu\u1ed1ng m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ea5p nh\u1eadn to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, kh\u00e1m b\u1ec7nh, thu\u1ed1c men ho\u1eb7c nh\u1eadp vi\u1ec7n. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 ngh\u0129a l\u00e0 quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 l\u00e0 quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, v\u1ea5n \u0111\u1ec1 xu\u1ea5t ph\u00e1t t\u1eeb vi\u1ec7c thi\u1ebfu gi\u1ea5y t\u1edd, vi\u1ec7c gi\u1ea3i th\u00edch sai c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), c\u00e1c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m ho\u1eb7c vi\u1ec7c vi\u1ec7n d\u1eabn c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb, nh\u1eefng \u0111i\u1ec1u n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch ph\u1ea3i l\u00e0m g\u00ec khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 chi ph\u00ed, c\u00e1ch chu\u1ea9n b\u1ecb \u0111\u01a1n khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf, nh\u1eefng t\u00e0i li\u1ec7u c\u1ea7n thu th\u1eadp v\u00e0 khi n\u00e0o n\u00ean chuy\u1ec3n v\u1ee5 vi\u1ec7c l\u00ean c\u1ea5p cao h\u01a1n.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"M\u1ee5c l\u1ee5c\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">M\u1ee5c l\u1ee5c<\/h4>\n<ol>\n<li><a href=\"#czym-jest-odmowa-zwrotu\">T\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 chi ph\u00ed l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#dlaczego-dochodzi-do-odmowy\">T\u1ea1i sao l\u1ea1i b\u1ecb t\u1eeb ch\u1ed1i?<\/a><\/li>\n<li><a href=\"#jak-sie-odwolac\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 kh\u00e1ng c\u00e1o quy\u1ebft \u0111\u1ecbnh?<\/a><\/li>\n<li><a href=\"#jakie-dokumenty-przygotowac\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/a><\/li>\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<li><a href=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-odmowa-zwrotu\" class=\"kt-adv-heading\">T\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 chi ph\u00ed l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 quy\u1ebft \u0111\u1ecbnh m\u00e0 theo \u0111\u00f3 c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n chi ph\u00ed do ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m khai b\u00e1o. Trong th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn chi ph\u00ed kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m, thu\u1ed1c men, n\u1eb1m vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3. C\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i n\u00eau r\u00f5 l\u00fd do t\u1eeb ch\u1ed1i, c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00e0 th\u00f4ng tin v\u1ec1 kh\u1ea3 n\u0103ng khi\u1ebfu n\u1ea1i.<\/p>\n<p>Trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf v\u00e0 b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u01b0\u1eddng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u1ef1a tr\u00ean c\u00e1c h\u00f3a \u0111\u01a1n mang t\u00ean ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ch\u1ee9ng t\u1eeb thanh to\u00e1n v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf c\u00f3 ch\u1ea9n \u0111o\u00e1n. Theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) ti\u00eau chu\u1ea9n, vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ecb gi\u1edbi h\u1ea1n b\u1edfi 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\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m. Do \u0111\u00f3, tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i, b\u1ea1n n\u00ean so s\u00e1nh quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung. Vi\u1ec7c ki\u1ec3m tra tr\u01b0\u1edbc xem <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai\/danh-sach-cac-giay-to-can-thiet-de-lam-thu-tuc-bao-hiem-cho-nguoi-nuoc-ngoai\/\">c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> l\u00e0 nh\u1eefng y\u00eau c\u1ea7u ti\u00eau chu\u1ea9n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">\u0110\u1eebng bao gi\u1edd ch\u1ec9 vi\u1ec7n d\u1eabn \u201ec\u1ea3m gi\u00e1c b\u1ea5t c\u00f4ng chung chung\u201d. C\u00e1ch khi\u1ebfu n\u1ea1i hi\u1ec7u qu\u1ea3 nh\u1ea5t l\u00e0 d\u1ef1a v\u00e0o m\u1ed9t \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 b\u1eb1ng ch\u1ee9ng thanh to\u00e1n.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"dlaczego-dochodzi-do-odmowy\" class=\"kt-adv-heading\">T\u1ea1i sao l\u1ea1i b\u1ecb t\u1eeb ch\u1ed1i?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>V\u1ea5n \u0111\u1ec1 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng xu\u1ea5t ph\u00e1t t\u1eeb l\u1ed7i c\u1ee7a c\u00f4ng ty. Th\u01b0\u1eddng th\u00ec nguy\u00ean nh\u00e2n l\u00e0 do thi\u1ebfu m\u1ed9t trong c\u00e1c t\u00e0i li\u1ec7u b\u1eaft bu\u1ed9c ho\u1eb7c vi\u1ec7c khai b\u00e1o chi ph\u00ed kh\u00f4ng n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng t\u1eeb ch\u1ed1i chi tr\u1ea3 khi chi ph\u00ed ph\u00e1t sinh tr\u01b0\u1edbc khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c, sau th\u1eddi h\u1ea1n quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) ho\u1eb7c li\u00ean quan \u0111\u1ebfn c\u00e1c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng b\u1ecb lo\u1ea1i tr\u1eeb kh\u1ecfi h\u1ee3p \u0111\u1ed3ng. C\u00e1c kho\u1ea3ng th\u1eddi gian ch\u1edd, m\u1ee9c kh\u1ea5u tr\u1eeb, ph\u1ea7n t\u1ef1 chi tr\u1ea3 v\u00e0 gi\u1edbi h\u1ea1n ho\u00e0n tr\u1ea3 c\u0169ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng.<\/p>\n<p>Trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf, vi\u1ec7c t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng c\u0169ng c\u00f3 th\u1ec3 x\u1ea3y ra khi vi\u1ec7c \u0111i\u1ec1u tr\u1ecb kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 c\u1ea7n thi\u1ebft, thi\u1ebfu ch\u1ea9n \u0111o\u00e1n y t\u1ebf ho\u1eb7c h\u00f3a \u0111\u01a1n kh\u00f4ng \u0111\u01b0\u1ee3c l\u1eadp t\u00ean ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng. M\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng y\u00eau c\u1ea7u b\u1eb1ng ch\u1ee9ng cho th\u1ea5y ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n ho\u00e0n tr\u1ea3 chi ph\u00ed t\u1eeb ngu\u1ed3n kh\u00e1c. N\u1ebfu chi ph\u00ed \u0111\u01b0\u1ee3c chi tr\u1ea3 b\u1eb1ng ngo\u1ea1i t\u1ec7, kho\u1ea3n ho\u00e0n tr\u1ea3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c quy \u0111\u1ed5i theo t\u1ef7 gi\u00e1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), \u0111i\u1ec1u n\u00e0y c\u0169ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ed1 ti\u1ec1n ho\u00e0n tr\u1ea3 cu\u1ed1i c\u00f9ng.<\/p>\n<p>B\u1ea1n n\u00ean ki\u1ec3m tra xem v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn vi\u1ec7c t\u1eeb ch\u1ed1i ho\u00e0n to\u00e0n hay ch\u1ec9 l\u00e0 vi\u1ec7c ho\u00e0n tr\u1ea3 m\u1ed9t ph\u1ea7n. \u0110\u00e2y l\u00e0 m\u1ed9t s\u1ef1 kh\u00e1c bi\u1ec7t quan tr\u1ecdng, b\u1edfi \u0111\u00f4i khi c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ea5p nh\u1eadn y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng nh\u01b0ng l\u1ea1i gi\u1ea3m m\u1ee9c ho\u00e0n tr\u1ea3 xu\u1ed1ng m\u1ee9c gi\u1edbi h\u1ea1n ho\u1eb7c s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c chi ph\u00ed y t\u1ebf th\u1ef1c t\u1ebf, h\u00e3y tham kh\u1ea3o th\u00eam b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/cham-soc-y-te-tai-ba-lan\/chi-phi-kham-benh-tu-nhan-tai-ba-lan-la-bao-nhieu\/\">chi ph\u00ed kh\u00e1m b\u1ec7nh t\u01b0 nh\u00e2n<\/a> v\u00e0 trang web <a href=\"https:\/\/insurancevisa.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i KLC<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-sie-odwolac\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 kh\u00e1ng c\u00e1o quy\u1ebft \u0111\u1ecbnh?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n \u0111ang b\u0103n kho\u0103n kh\u00f4ng bi\u1ebft ph\u1ea3i l\u00e0m g\u00ec khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3 chi ph\u00ed, h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c ph\u00e2n t\u00edch th\u01b0 th\u00f4ng b\u00e1o m\u1ed9t c\u00e1ch b\u00ecnh t\u0129nh. Ki\u1ec3m tra xem quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 c\u00f3 n\u00eau r\u00f5 c\u0103n c\u1ee9 c\u1ee5 th\u1ec3 cho vi\u1ec7c t\u1eeb ch\u1ed1i, s\u1ed1 \u0111i\u1ec1u kho\u1ea3n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u0169ng nh\u01b0 th\u00f4ng tin v\u1ec1 th\u1ee7 t\u1ee5c khi\u1ebfu n\u1ea1i hay kh\u00f4ng. Ti\u1ebfp theo, h\u00e3y so s\u00e1nh l\u00fd do t\u1eeb ch\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n, c\u00e1c ph\u1ee5 l\u1ee5c v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf. Ngay t\u1eeb giai \u0111o\u1ea1n n\u00e0y, b\u1ea1n \u0111\u00e3 c\u00f3 th\u1ec3 ph\u00e1t hi\u1ec7n ra vi\u1ec7c ph\u00e2n lo\u1ea1i s\u1ef1 c\u1ed1 kh\u00f4ng ch\u00ednh x\u00e1c ho\u1eb7c thi\u1ebfu t\u00e0i li\u1ec7u.<\/p>\n<p>B\u01b0\u1edbc ti\u1ebfp theo l\u00e0 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf. Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i b\u1eb1ng v\u0103n b\u1ea3n, qua \u0111\u01b0\u1eddng \u0111i\u1ec7n t\u1eed ho\u1eb7c b\u1eb1ng l\u1eddi n\u00f3i \u0111\u1ec3 \u0111\u01b0\u1ee3c ghi v\u00e0o bi\u00ean b\u1ea3n, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, t\u1ed1t nh\u1ea5t l\u00e0 n\u00ean ch\u1ecdn h\u00ecnh th\u1ee9c b\u1eb1ng v\u0103n b\u1ea3n. Trong v\u0103n b\u1ea3n, h\u00e3y n\u00eau r\u00f5 s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, s\u1ed1 v\u1ee5 tai n\u1ea1n, ng\u00e0y x\u1ea3y ra s\u1ef1 vi\u1ec7c, ph\u1ea1m vi y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 l\u00fd do. \u0110\u00ednh k\u00e8m b\u1ea3n sao c\u00e1c h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb thanh to\u00e1n, ch\u1ea9n \u0111o\u00e1n, ch\u1ec9 \u0111\u1ecbnh c\u1ee7a b\u00e1c s\u0129 v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c th\u01b0 t\u1eeb trao \u0111\u1ed5i tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n<p>Trong \u0111\u01a1n kh\u00e1ng c\u00e1o, n\u00ean tu\u00e2n theo m\u1ed9t c\u1ea5u tr\u00fac \u0111\u01a1n gi\u1ea3n: m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c, ch\u1ec9 ra sai s\u00f3t c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, tr\u00edch d\u1eabn \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung, danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m v\u00e0 y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c n\u00eau r\u00f5 r\u00e0ng. N\u1ebfu v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan, vi\u1ec7c so s\u00e1nh quy tr\u00ecnh x\u1eed l\u00fd v\u1edbi c\u00e1c nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng c\u0169ng c\u00f3 th\u1ec3 h\u1eefu \u00edch. <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/cham-soc-y-te-tai-ba-lan\/he-thong-cham-soc-y-te-tu-nhan-o-ba-lan-hoat-dong-nhu-the-nao\/\">d\u1ecbch v\u1ee5 y t\u1ebf t\u01b0 nh\u00e2n t\u1ea1i Ba Lan<\/a>. N\u1ebfu c\u00e2u tr\u1ea3 l\u1eddi v\u1ec1 khi\u1ebfu n\u1ea1i v\u1eabn l\u00e0 t\u1eeb ch\u1ed1i, qu\u00fd v\u1ecb c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc vi\u1ec7c nh\u1edd s\u1ef1 can thi\u1ec7p c\u1ee7a Thanh tra T\u00e0i ch\u00ednh ho\u1eb7c kh\u1edfi ki\u1ec7n ra t\u00f2a.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">\u0110\u1eebng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf c\u00e2u \u201et\u00f4i kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi quy\u1ebft \u0111\u1ecbnh n\u00e0y\u201d. H\u00e3y ch\u1ec9 ra r\u00f5 r\u00e0ng r\u1eb1ng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3, \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh b\u1eb1ng ch\u1ee9ng t\u1eeb v\u00e0 n\u1eb1m trong gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m, ho\u1eb7c r\u1eb1ng \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c vi\u1ec7n d\u1eabn kh\u00f4ng \u00e1p d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-dokumenty-przygotowac\" class=\"kt-adv-heading\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>M\u1ed9t b\u1ed9 h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng th\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh vi\u1ec7c li\u1ec7u kho\u1ea3n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00f3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 sau khi khi\u1ebfu n\u1ea1i hay kh\u00f4ng. Trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf th\u00f4ng th\u01b0\u1eddng, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft bao g\u1ed3m: gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a vi\u1ec7c \u0111i\u1ec1u tr\u1ecb, ch\u1ea9n \u0111o\u00e1n y t\u1ebf, h\u00f3a \u0111\u01a1n ho\u1eb7c bi\u00ean lai ghi t\u00ean ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng, ch\u1ee9ng t\u1eeb thanh to\u00e1n v\u00e0 c\u00e1c t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn c\u00e1c chi ph\u00ed kh\u00e1c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo h\u1ee3p \u0111\u1ed3ng. N\u1ebfu vi\u1ec7c \u0111i\u1ec1u tr\u1ecb li\u00ean quan \u0111\u1ebfn b\u1ec7nh c\u1ea5p t\u00ednh ho\u1eb7c tai n\u1ea1n, \u0111i\u1ec1u n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ed3 s\u01a1.<\/p>\n<p>B\u1ea1n c\u0169ng n\u00ean s\u1eafp x\u1ebfp c\u00e1c t\u00e0i li\u1ec7u theo th\u1ee9 t\u1ef1 th\u1eddi gian. C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd d\u1ec5 d\u00e0ng x\u00e1c minh v\u1ee5 vi\u1ec7c h\u01a1n khi h\u1ecd th\u1ea5y tr\u01b0\u1edbc ti\u00ean l\u00e0 ng\u00e0y x\u1ea3y ra s\u1ef1 vi\u1ec7c, ti\u1ebfp theo l\u00e0 gi\u1ea5y kh\u00e1m b\u1ec7nh, sau \u0111\u00f3 l\u00e0 \u0111\u01a1n thu\u1ed1c, h\u00f3a \u0111\u01a1n v\u00e0 bi\u00ean lai thanh to\u00e1n. N\u1ebfu y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, c\u00e1c gi\u1ea5y t\u1edd c\u01b0 tr\u00fa v\u00e0 th\u00f4ng tin nh\u1eadn d\u1ea1ng ph\u00f9 h\u1ee3p v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 h\u1eefu \u00edch. N\u1ebfu c\u1ea7n, h\u00e3y tham kh\u1ea3o h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 bi\u1ebft c\u00e1ch chu\u1ea9n b\u1ecb c\u00e1c th\u1ee7 t\u1ee5c c\u1ea7n thi\u1ebft <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/cham-soc-y-te-tai-ba-lan\/lam-the-nao-de-tim-bac-si-noi-tieng-anh-o-ba-lan\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ecm b\u00e1c s\u0129 b\u1eb1ng ti\u1ebfng Anh<\/a>, b\u1edfi v\u00ec h\u1ed3 s\u01a1 kh\u00e1m b\u1ec7nh \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u00ednh x\u00e1c sau n\u00e0y s\u1ebd c\u00f3 gi\u00e1 tr\u1ecb l\u00e0m b\u1eb1ng ch\u1ee9ng.<\/p>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung:<\/strong> s\u1ed1 h\u1ee3p \u0111\u1ed3ng, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ed3 s\u01a1 y t\u1ebf:<\/strong> ch\u1ea9n \u0111o\u00e1n, khuy\u1ebfn c\u00e1o, phi\u1ebfu kh\u00e1m b\u1ec7nh ho\u1eb7c gi\u1ea5y xu\u1ea5t vi\u1ec7n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ch\u1ee9ng t\u1eeb chi ph\u00ed:<\/strong> h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 bi\u00ean nh\u1eadn thanh to\u00e1n ghi t\u00ean ng\u01b0\u1eddi nh\u1eadn.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u01b0 t\u1eeb:<\/strong> quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i, c\u00e1c email v\u00e0 s\u1ed1 h\u1ed3 s\u01a1 b\u1ed3i th\u01b0\u1eddng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Gi\u1ea3i th\u00edch c\u1ee7a ri\u00eang t\u00f4i:<\/strong> m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn v\u1ec1 s\u1ef1 vi\u1ec7c v\u00e0 s\u1ed1 ti\u1ec1n y\u00eau c\u1ea7u ho\u00e0n tr\u1ea3.<\/span><\/li>\n<\/ul>\n<\/div>\n<p>N\u1ebfu c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c l\u1eadp b\u1eb1ng ng\u00f4n ng\u1eef kh\u00e1c, h\u00e3y ki\u1ec3m tra xem c\u00f4ng ty c\u00f3 y\u00eau c\u1ea7u b\u1ea3n d\u1ecbch hay kh\u00f4ng. Tr\u00ean th\u1ef1c t\u1ebf, vi\u1ec7c thi\u1ebfu b\u1ea3n d\u1ecbch \u0111\u00f4i khi khi\u1ebfn th\u1ee7 t\u1ee5c k\u00e9o d\u00e0i ho\u1eb7c d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb y\u00eau c\u1ea7u b\u1ed5 sung c\u00e1c th\u00f4ng tin c\u00f2n thi\u1ebfu.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c v\u1ee5 vi\u1ec7c \u0111\u00e3 k\u1ebft th\u00fac kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng. Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0 quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i, b\u1ed5 sung h\u1ed3 s\u01a1 ho\u1eb7c ch\u1ee9ng minh r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 \u00e1p d\u1ee5ng sai c\u00e1c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung.<\/p>\n<h3>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 vi\u1ebft \u0111\u01a1n khi\u1ebfu n\u1ea1i v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf?<\/h3>\n<p>\u0110\u01a1n khi\u1ebfu n\u1ea1i c\u1ea7n bao g\u1ed3m s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, s\u1ed1 v\u1ee5 tai n\u1ea1n, m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c, ch\u1ec9 ra sai s\u00f3t trong quy\u1ebft \u0111\u1ecbnh v\u00e0 y\u00eau c\u1ea7u c\u1ee5 th\u1ec3. T\u1ed1t nh\u1ea5t l\u00e0 n\u00ean \u0111\u00ednh k\u00e8m c\u00e1c h\u00f3a \u0111\u01a1n, ch\u1ee9ng t\u1eeb thanh to\u00e1n, b\u1ea3n ch\u1ea9n \u0111o\u00e1n y t\u1ebf v\u00e0 \u0111o\u1ea1n tr\u00edch trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) m\u00e0 b\u1ea1n vi\u1ec7n d\u1eabn.<\/p>\n<h3>C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o \u0111\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, c\u1ea7n c\u00f3 h\u00f3a \u0111\u01a1n ho\u1eb7c bi\u00ean lai ghi t\u00ean ng\u01b0\u1eddi nh\u1eadn, gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00e3 thanh to\u00e1n chi ph\u00ed, h\u1ed3 s\u01a1 y t\u1ebf k\u00e8m ch\u1ea9n \u0111o\u00e1n v\u00e0 quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. C\u00e1c \u0111\u01a1n thu\u1ed1c, ch\u1ec9 \u0111\u1ecbnh c\u1ee7a b\u00e1c s\u0129 v\u00e0 th\u01b0 t\u1eeb trao \u0111\u1ed5i tr\u01b0\u1edbc \u0111\u00f3 c\u0169ng c\u00f3 th\u1ec3 h\u1eefu \u00edch.<\/p>\n<h3>T\u1ea1i sao c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb?<\/h3>\n<p>C\u00e1c nguy\u00ean nh\u00e2n ph\u1ed5 bi\u1ebfn nh\u1ea5t bao g\u1ed3m: c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m, v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m, thi\u1ebfu c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft, th\u1eddi gian ch\u1edd ho\u1eb7c chi ph\u00ed ph\u00e1t sinh ngo\u00e0i ph\u1ea1m vi b\u1ea3o hi\u1ec3m. \u0110\u00f4i khi, nguy\u00ean nh\u00e2n c\u0169ng l\u00e0 do kh\u00f4ng c\u00f3 b\u1eb1ng ch\u1ee9ng x\u00e1c nh\u1eadn r\u1eb1ng kho\u1ea3n chi ph\u00ed \u0111\u00f3 l\u00e0 c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf.<\/p>\n<h3>N\u00ean b\u00e1o c\u00e1o v\u1ea5n \u0111\u1ec1 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf \u0111\u00e2u?<\/h3>\n<p>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i tr\u1ef1c ti\u1ebfp \u0111\u1ebfn c\u00f4ng ty b\u1ea3o hi\u1ec3m. N\u1ebfu nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi t\u1eeb ch\u1ed1i, b\u1ea1n c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc nh\u1edd s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a Thanh tra T\u00e0i ch\u00ednh, v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn s\u1ed1 ti\u1ec1n l\u1edbn h\u01a1n, c\u0169ng n\u00ean tham kh\u1ea3o \u00fd ki\u1ebfn ph\u00e1p l\u00fd. C\u00e1c t\u00e0i li\u1ec7u h\u01b0\u1edbng d\u1eabn c\u00f3 s\u1eb5n trong ph\u1ea7n <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai\/\">B\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n<h3>C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 bao nhi\u00eau th\u1eddi gian \u0111\u1ec3 tr\u1ea3 l\u1eddi?<\/h3>\n<p>Th\u1eddi h\u1ea1n tr\u1ea3 l\u1eddi ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ednh ch\u1ea5t c\u1ee7a v\u1ee5 vi\u1ec7c v\u00e0 th\u1ee7 t\u1ee5c khi\u1ebfu n\u1ea1i, nh\u01b0ng c\u1ea7n \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00eau r\u00f5 trong th\u00f4ng tin v\u1ec1 th\u1ee7 t\u1ee5c khi\u1ebfu n\u1ea1i. N\u1ebfu v\u1ee5 vi\u1ec7c k\u00e9o d\u00e0i, b\u1ea1n n\u00ean y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p th\u00f4ng tin b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 nguy\u00ean nh\u00e2n g\u00e2y ra s\u1ef1 ch\u1eadm tr\u1ec5.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu g\u1eb7p v\u1ea5n \u0111\u1ec1 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 h\u00e3y b\u00ecnh t\u0129nh ki\u1ec3m tra quy\u1ebft \u0111\u1ecbnh, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u y t\u1ebf. Ph\u1ea3i l\u00e0m g\u00ec khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 chi ph\u00ed? Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh l\u00fd do t\u1eeb ch\u1ed1i, sau \u0111\u00f3 chu\u1ea9n b\u1ecb \u0111\u01a1n khi\u1ebfu n\u1ea1i d\u1ef1a tr\u00ean c\u00e1c s\u1ef1 ki\u1ec7n v\u00e0 t\u00e0i li\u1ec7u k\u00e8m theo. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, \u0111i\u1ec1u n\u00e0y l\u00e0 \u0111\u1ee7 \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n ho\u00e0n tr\u1ea3 to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. N\u1ebfu b\u1ea1n c\u1ea7n l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p h\u01a1n cho t\u01b0\u01a1ng lai, h\u00e3y tham kh\u1ea3o th\u00f4ng tin tr\u00ean insurancevisa.pl v\u00e0 so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 l\u00e0 tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ea5p nh\u1eadn to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, kh\u00e1m b\u1ec7nh, thu\u1ed1c men\u2026<\/p>","protected":false},"author":2,"featured_media":3461,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[15],"tags":[18,21,19,24,17],"class_list":["post-3462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-zdrowotne-cudzoziemcow","tag-dokument-ubezpieczenia","tag-koszty-leczenia-cudzoziemca","tag-polisa-dla-cudzoziemca","tag-ubezpieczenie-zdrowotne","tag-zaswiadczenie-o-ubezpieczeniu"],"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>Co zrobi\u0107, gdy ubezpieczyciel odmawia zwrotu koszt\u00f3w? - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, co zrobi\u0107 przy odmowie wyp\u0142aty z polisy. 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