{"id":3484,"date":"2026-07-16T09:28:22","date_gmt":"2026-07-16T07:28:22","guid":{"rendered":"https:\/\/insurancevisa.pl\/nieskategoryzowane\/koszty-leczenia-bez-ubezpieczenia-w-polsce-2026\/"},"modified":"2026-09-05T12:41:55","modified_gmt":"2026-09-05T10:41:55","slug":"chi-phi-dieu-tri-khi-khong-co-bao-hiem-tai-ba-lan-nam-2026","status":"publish","type":"post","link":"https:\/\/insurancevisa.pl\/vi\/poradnik\/system-ochrony-zdrowia\/koszty-leczenia-bez-ubezpieczenia-w-polsce-2026\/","title":{"rendered":"Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m t\u1ea1i Ba Lan n\u0103m 2026"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/strong> \u0110\u00e2y l\u00e0 nh\u1eefng chi ph\u00ed m\u00e0 b\u1ec7nh nh\u00e2n ph\u1ea3i t\u1ef1 chi tr\u1ea3 cho c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m, th\u1ee7 thu\u1eadt y t\u1ebf, \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa v\u00e0 thu\u1ed1c men khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf h\u1ee3p l\u1ec7. T\u1ea1i Ba Lan, vi\u1ec7c kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c b\u1ec7nh nh\u00e2n ph\u1ea3i thanh to\u00e1n c\u1ea3 chi ph\u00ed cho m\u1ed9t l\u1ea7n kh\u00e1m b\u1ec7nh l\u1eabn to\u00e0n b\u1ed9 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau, b\u1ea3ng gi\u00e1 tham kh\u1ea3o n\u0103m 2026 nh\u01b0 th\u1ebf n\u00e0o, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m ph\u1ea3i chi tr\u1ea3 nh\u1eefng kho\u1ea3n n\u00e0o v\u00e0 trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o h\u00f3a \u0111\u01a1n c\u00f3 th\u1ec3 \u0111\u1eb7c bi\u1ec7t cao.<\/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-koszt-leczenia\">Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau?<\/a><\/li>\n<li><a href=\"#jakie-uslugi-sa-platne\">Nh\u1eefng d\u1ecbch v\u1ee5 n\u00e0o ph\u1ea3i tr\u1ea3 ph\u00ed?<\/a><\/li>\n<li><a href=\"#orientacyjny-cennik-2026\">B\u1ea3ng gi\u00e1 tham kh\u1ea3o cho c\u00e1c d\u1ecbch v\u1ee5 \u0111i\u1ec1u tr\u1ecb n\u0103m 2026<\/a><\/li>\n<li><a href=\"#jak-ograniczyc-wydatki\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u1eaft gi\u1ea3m chi ti\u00eau?<\/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-koszt-leczenia\" class=\"kt-adv-heading\">Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 c\u00e1c kho\u1ea3n ph\u00ed m\u00e0 b\u1ec7nh nh\u00e2n ph\u1ea3i thanh to\u00e1n n\u1ebfu kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n h\u01b0\u1edfng c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf do Qu\u1ef9 B\u1ea3o hi\u1ec3m Y t\u1ebf Qu\u1ed1c gia (NFZ) chi tr\u1ea3 ho\u1eb7c kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. Quy \u0111\u1ecbnh n\u00e0y \u00e1p d\u1ee5ng cho c\u1ea3 c\u00f4ng d\u00e2n Ba Lan kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n v\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang t\u1ea1m tr\u00fa t\u1ea1i n\u01b0\u1edbc n\u00e0y. Tr\u00ean th\u1ef1c t\u1ebf, c\u01a1 s\u1edf y t\u1ebf c\u00f3 th\u1ec3 t\u00ednh ph\u00ed cho c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m, n\u1eb1m vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf v\u00e0 thu\u1ed1c theo b\u1ea3ng gi\u00e1 ri\u00eang c\u1ee7a m\u00ecnh ho\u1eb7c theo m\u1ee9c ph\u00ed hi\u1ec7n h\u00e0nh t\u1ea1i c\u01a1 s\u1edf \u0111\u00f3.<\/p>\n<p>\u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, r\u1ee7i ro l\u1edbn nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00e0 chi ph\u00ed c\u1ee7a m\u1ed9t l\u1ea7n kh\u00e1m th\u00f4ng th\u01b0\u1eddng, m\u00e0 l\u00e0 nh\u1eefng s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd. Ch\u1ec9 m\u1ed9t ch\u1ea5n th\u01b0\u01a1ng, m\u1ed9t \u0111\u1ee3t nh\u1eadp vi\u1ec7n ng\u1eafn ng\u00e0y ho\u1eb7c m\u1ed9t ca ph\u1eabu thu\u1eadt c\u0169ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn h\u00f3a \u0111\u01a1n l\u00ean \u0111\u1ebfn h\u00e0ng ngh\u00ecn z\u0142oty. Trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan, th\u01b0\u1eddng quy \u0111\u1ecbnh r\u1eb1ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 bao g\u1ed3m th\u1eddi gian n\u1eb1m vi\u1ec7n, ph\u1eabu thu\u1eadt, ch\u1ea9n \u0111o\u00e1n, c\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa, v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf v\u00e0 thu\u1ed1c theo ch\u1ec9 \u0111\u1ecbnh c\u1ee7a b\u00e1c s\u0129. N\u1ebfu kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ec7nh nh\u00e2n s\u1ebd ph\u1ea3i t\u1ef1 chi tr\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y.<\/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\">C\u00e1c d\u1ecbch v\u1ee5 \u0111\u1eaft nh\u1ea5t th\u01b0\u1eddng l\u00e0 d\u1ecbch v\u1ee5 \u0111i\u1ec1u tr\u1ecb t\u1ea1i b\u1ec7nh vi\u1ec7n, ph\u1eabu thu\u1eadt v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. Ngay c\u1ea3 khi chi ph\u00ed kh\u00e1m b\u1ec7nh ban \u0111\u1ea7u c\u00f3 v\u1ebb r\u1ebb, c\u00e1c x\u00e9t nghi\u1ec7m ch\u1ea9n \u0111o\u00e1n ti\u1ebfp theo c\u0169ng c\u00f3 th\u1ec3 nhanh ch\u00f3ng l\u00e0m t\u0103ng t\u1ed5ng h\u00f3a \u0111\u01a1n.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-uslugi-sa-platne\" class=\"kt-adv-heading\">Nh\u1eefng d\u1ecbch v\u1ee5 n\u00e0o ph\u1ea3i tr\u1ea3 ph\u00ed?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ec7nh nh\u00e2n kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c, h\u1ea7u nh\u01b0 t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf \u0111\u1ec1u ph\u1ea3i tr\u1ea3 ph\u00ed, ngo\u1ea1i tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u1ea5p c\u1ee9u \u0111e d\u1ecda tr\u1ef1c ti\u1ebfp \u0111\u1ebfn t\u00ednh m\u1ea1ng \u2013 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y \u0111\u00f4i khi c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n sau. Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c chi ph\u00ed n\u00e0y bao g\u1ed3m kh\u00e1m b\u1ec7nh t\u1ea1i b\u00e1c s\u0129 gia \u0111\u00ecnh v\u00e0 b\u00e1c s\u0129 chuy\u00ean khoa, x\u00e9t nghi\u1ec7m, ch\u1ea9n \u0111o\u00e1n h\u00ecnh \u1ea3nh, c\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa, nh\u1eadp vi\u1ec7n, ph\u1eabu thu\u1eadt, c\u0169ng nh\u01b0 mua thu\u1ed1c v\u00e0 v\u1eadt t\u01b0 y t\u1ebf. Chi ph\u00ed v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c c\u1ea5p c\u1ee9u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh ri\u00eang.<\/p>\n<p>Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m t\u1ea1i Ba Lan c\u1ea7n \u0111\u1eb7c bi\u1ec7t c\u1ea9n tr\u1ecdng khi \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa. Ch\u00ednh vi\u1ec7c n\u1eb1m vi\u1ec7n, ch\u0103m s\u00f3c g\u00e2y m\u00ea, ph\u1eabu thu\u1eadt v\u00e0 c\u00e1c th\u1ee7 thu\u1eadt y t\u1ebf b\u1ed5 sung l\u00e0 nh\u1eefng kho\u1ea3n chi ph\u00ed cao nh\u1ea5t. C\u0169ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng c\u00e1c c\u01a1 s\u1edf y t\u1ebf t\u01b0 nh\u00e2n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u thanh to\u00e1n tr\u01b0\u1edbc. N\u1ebfu b\u1ea1n mu\u1ed1n t\u00ecm hi\u1ec3u c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u khi l\u01b0u tr\u00fa t\u1ea1i Ba Lan, h\u00e3y 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> v\u00e0 c\u1ea9m nang v\u1ec1 <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<h3>C\u00e1c m\u1ee5c ph\u1ea3i tr\u1ea3 ph\u00ed ph\u1ed5 bi\u1ebfn nh\u1ea5t<\/h3>\n<\/div>\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>Tham v\u1ea5n:<\/strong> kh\u00e1m n\u1ed9i khoa, nhi khoa ho\u1eb7c chuy\u00ean khoa.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ch\u1ea9n \u0111o\u00e1n:<\/strong> x\u00e9t nghi\u1ec7m m\u00e1u, si\u00eau \u00e2m, ch\u1ee5p X-quang, ch\u1ee5p c\u1eaft l\u1edbp v\u00e0 c\u00e1c x\u00e9t nghi\u1ec7m kh\u00e1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa:<\/strong> kh\u00e2u v\u1ebft th\u01b0\u01a1ng, b\u0103ng b\u00f3, c\u00e1c th\u1ee7 thu\u1eadt nh\u1ecf.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Nh\u1eadp vi\u1ec7n:<\/strong> th\u1eddi gian n\u1eb1m vi\u1ec7n, s\u1ef1 ch\u0103m s\u00f3c c\u1ee7a nh\u00e2n vi\u00ean y t\u1ebf v\u00e0 c\u00e1c quy tr\u00ecnh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Thu\u1ed1c v\u00e0 v\u1eadn chuy\u1ec3n:<\/strong> thu\u1ed1c theo toa, v\u1eadt t\u01b0 y t\u1ebf, v\u1eadn chuy\u1ec3n y t\u1ebf.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"orientacyjny-cennik-2026\" class=\"kt-adv-heading\">B\u1ea3ng gi\u00e1 tham kh\u1ea3o cho c\u00e1c d\u1ecbch v\u1ee5 \u0111i\u1ec1u tr\u1ecb n\u0103m 2026<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3ng gi\u00e1 \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan n\u0103m 2026 ch\u1ec9 mang t\u00ednh tham kh\u1ea3o, v\u00ec m\u1ee9c ph\u00ed c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo th\u00e0nh ph\u1ed1, lo\u1ea1i c\u01a1 s\u1edf y t\u1ebf v\u00e0 ph\u1ea1m vi th\u1ee7 thu\u1eadt. Tuy nhi\u00ean, v\u1eabn c\u00f3 th\u1ec3 ch\u1ec9 ra c\u00e1c kho\u1ea3ng gi\u00e1 \u0111i\u1ec3n h\u00ecnh \u0111\u1ec3 gi\u00fap \u0111\u00e1nh gi\u00e1 r\u1ee7i ro t\u00e0i ch\u00ednh. M\u1ed9t bu\u1ed5i kh\u00e1m t\u01b0 nh\u00e2n v\u1edbi b\u00e1c s\u0129 \u0111a khoa th\u01b0\u1eddng c\u00f3 chi ph\u00ed t\u1eeb 150 \u0111\u1ebfn 300 z\u0142. M\u1ed9t l\u1ea7n kh\u00e1m chuy\u00ean khoa th\u01b0\u1eddng c\u00f3 m\u1ee9c ph\u00ed dao \u0111\u1ed9ng t\u1eeb 200 \u0111\u1ebfn 400 z\u0142. C\u00e1c x\u00e9t nghi\u1ec7m c\u01a1 b\u1ea3n th\u01b0\u1eddng c\u00f3 gi\u00e1 t\u1eeb v\u00e0i ch\u1ee5c \u0111\u1ebfn v\u00e0i tr\u0103m z\u0142, trong khi si\u00eau \u00e2m, ch\u1ee5p X-quang ho\u1eb7c ch\u1ee5p c\u1eaft l\u1edbp s\u1ebd l\u00e0m t\u0103ng chi ph\u00ed th\u00eam v\u00e0i tr\u0103m z\u0142 n\u1eefa.<\/p>\n<p>S\u1ef1 ch\u00eanh l\u1ec7ch l\u1edbn nh\u1ea5t xu\u1ea5t hi\u1ec7n trong \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa. Chi ph\u00ed cho m\u1ed9t ng\u00e0y n\u1eb1m vi\u1ec7n c\u00f3 th\u1ec3 dao \u0111\u1ed9ng t\u1eeb v\u00e0i tr\u0103m \u0111\u1ebfn v\u00e0i ngh\u00ecn z\u0142. C\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa \u0111\u01a1n gi\u1ea3n th\u01b0\u1eddng c\u00f3 m\u1ee9c ph\u00ed t\u1eeb 200 \u0111\u1ebfn 1.000 z\u0142, nh\u01b0ng c\u00e1c ca ph\u1eabu thu\u1eadt v\u00e0 th\u1eddi gian n\u1eb1m vi\u1ec7n sau ph\u1eabu thu\u1eadt c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn h\u00f3a \u0111\u01a1n l\u00ean \u0111\u1ebfn h\u00e0ng ngh\u00ecn ho\u1eb7c th\u1eadm ch\u00ed h\u00e0ng ch\u1ee5c ngh\u00ecn z\u0142. Ch\u00ednh v\u00ec v\u1eady, c\u00e2u h\u1ecfi \u201cchi ph\u00ed \u0111i\u1ec1u tr\u1ecb khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau\u201d kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi duy nh\u1ea5t. Chi ph\u00ed ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o vi\u1ec7c \u0111\u00f3 l\u00e0 tr\u01b0\u1eddng h\u1ee3p nhi\u1ec5m tr\u00f9ng, g\u00e3y x\u01b0\u01a1ng hay ph\u1eabu thu\u1eadt c\u1ea5p c\u1ee9u.<\/p>\n<h3>V\u00ed d\u1ee5 v\u1ec1 kho\u1ea3ng gi\u00e1<\/h3>\n<\/div>\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>Bu\u1ed5i kh\u00e1m c\u1ee7a b\u00e1c s\u0129 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe ban \u0111\u1ea7u:<\/strong> kho\u1ea3ng 150\u2013300 z\u0142.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Chuy\u00ean gia:<\/strong> kho\u1ea3ng 200\u2013400 z\u0142 cho m\u1ed7i l\u1ea7n t\u01b0 v\u1ea5n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c x\u00e9t nghi\u1ec7m ch\u1ea9n \u0111o\u00e1n:<\/strong> t\u1eeb 50 z\u0142 \u0111\u1ebfn h\u01a1n 1.500 z\u0142 t\u00f9y theo lo\u1ea1i.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Khoa C\u1ea5p c\u1ee9u (SOR) ho\u1eb7c ph\u00f2ng ti\u1ebfp nh\u1eadn b\u1ec7nh nh\u00e2n:<\/strong> Chi ph\u00ed ph\u1ee5 thu\u1ed9c v\u00e0o ph\u1ea1m vi h\u1ed7 tr\u1ee3 v\u00e0 c\u00e1c x\u00e9t nghi\u1ec7m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi gian n\u1eb1m vi\u1ec7n:<\/strong> t\u1eeb v\u00e0i tr\u0103m \u0111\u1ebfn v\u00e0i ngh\u00ecn z\u0142 m\u1ed7i \u0111\u00eam.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ho\u1ea1t \u0111\u1ed9ng:<\/strong> t\u1eeb v\u00e0i ngh\u00ecn \u0111\u1ebfn v\u00e0i ch\u1ee5c ngh\u00ecn zloty.<\/span><\/li>\n<\/ul>\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\">B\u1ea3ng gi\u00e1 n\u0103m 2026 ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. M\u1ed7i c\u01a1 s\u1edf c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ee9c gi\u00e1 ri\u00eang, v\u00e0 chi ph\u00ed cu\u1ed1i c\u00f9ng ph\u1ee5 thu\u1ed9c v\u00e0o ch\u1ea9n \u0111o\u00e1n, th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 s\u1ed1 l\u01b0\u1ee3ng th\u1ee7 thu\u1eadt \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-ograniczyc-wydatki\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u1eaft gi\u1ea3m chi ti\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e1ch \u0111\u01a1n gi\u1ea3n nh\u1ea5t l\u00e0 mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p tr\u01b0\u1edbc khi \u0111\u1ebfn ho\u1eb7c tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. B\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i th\u01b0\u1eddng bao g\u1ed3m nh\u1eefng chi ph\u00ed m\u00e0 n\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m s\u1ebd r\u1ea5t t\u1ed1n k\u00e9m: chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa, ph\u1eabu thu\u1eadt, ch\u1ea9n \u0111o\u00e1n, c\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa, v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf v\u00e0 thu\u1ed1c theo ch\u1ec9 \u0111\u1ecbnh c\u1ee7a b\u00e1c s\u0129. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi \u0111ang n\u1ed9p h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c ho\u1eb7c c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa d\u00e0i h\u1ea1n. M\u1ed9t c\u1ea9m nang h\u01b0\u1edbng d\u1eabn v\u1ec1 <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/thi-thuc-vao-ba-lan\/bao-hiem-du-lich-schengen-2026-lua-chon\/\">B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen n\u0103m 2026<\/a>.<\/p>\n<p>Tr\u01b0\u1edbc khi \u0111\u1ebfn kh\u00e1m, b\u1ea1n n\u00ean h\u1ecfi c\u01a1 s\u1edf y t\u1ebf v\u1ec1 t\u1ed5ng chi ph\u00ed t\u01b0 v\u1ea5n v\u00e0 x\u00e9t nghi\u1ec7m, v\u00e0 sau khi \u0111i\u1ec1u tr\u1ecb xong, h\u00e3y y\u00eau c\u1ea7u h\u00f3a \u0111\u01a1n chi ti\u1ebft. N\u1ebfu b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa li\u00ean quan \u0111\u1ebfn c\u00f4ng vi\u1ec7c ho\u1eb7c th\u1ee7 t\u1ee5c h\u1ee3p ph\u00e1p h\u00f3a, h\u00e3y ki\u1ec3m tra xem t\u00ecnh hu\u1ed1ng c\u1ee7a b\u1ea1n c\u00f3 c\u1ea7n th\u00eam gi\u1ea5y t\u1edd n\u00e0o kh\u00f4ng. C\u00e1c b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/thi-thuc-vao-ba-lan\/thu-tuc-mua-bao-hiem-cho-thi-thuc-lao-dong-tung-buoc-mot\/\">b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c lao \u0111\u1ed9ng<\/a> v\u00e0 v\u1ec1 \u0111i\u1ec1u \u0111\u00f3, <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/the-cu-tru-va-hop-phap-hoa\/the-cu-tru-va-bao-hiem-tu-nhan-lieu-nhu-vay-da-du-chua\/\">B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng?<\/a>. \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, chi ph\u00ed c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi chi ph\u00ed cho m\u1ed9t l\u1ea7n nh\u1eadp vi\u1ec7n kh\u00f4ng d\u1ef1 ki\u1ebfn.<\/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>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf \u1edf Ba Lan l\u00e0 bao nhi\u00eau?<\/h3>\n<p>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i h\u00ecnh ch\u0103m s\u00f3c y t\u1ebf. Ch\u1ec9 ri\u00eang m\u1ed9t bu\u1ed5i kh\u00e1m b\u1ec7nh \u0111\u00e3 c\u00f3 th\u1ec3 t\u1ed1n v\u00e0i tr\u0103m zloty, nh\u01b0ng c\u00e1c x\u00e9t nghi\u1ec7m, nh\u1eadp vi\u1ec7n v\u00e0 ph\u1eabu thu\u1eadt c\u00f3 th\u1ec3 \u0111\u1ea9y h\u00f3a \u0111\u01a1n l\u00ean \u0111\u1ebfn v\u00e0i ngh\u00ecn ho\u1eb7c v\u00e0i ch\u1ee5c ngh\u00ecn zloty. C\u00e1c d\u1ecbch v\u1ee5 \u0111i\u1ec1u tr\u1ecb t\u1ea1i b\u1ec7nh vi\u1ec7n v\u00e0 ph\u1eabu thu\u1eadt l\u00e0 \u0111\u1eaft nh\u1ea5t.<\/p>\n<h3>Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3i tr\u1ea3 ti\u1ec1n kh\u00e1m b\u1ec7nh kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m th\u01b0\u1eddng ph\u1ea3i t\u1ef1 chi tr\u1ea3 chi ph\u00ed kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m v\u00e0 thu\u1ed1c men. C\u01a1 s\u1edf y t\u1ebf c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u thanh to\u00e1n tr\u01b0\u1edbc ho\u1eb7c t\u00ednh ph\u00ed cho b\u1ec7nh nh\u00e2n theo b\u1ea3ng gi\u00e1 n\u1ed9i b\u1ed9. N\u00ean ki\u1ec3m tra tr\u01b0\u1edbc c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u00e0 t\u00ecm hi\u1ec3u v\u1ec1 <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>D\u1ecbch v\u1ee5 c\u1ea5p c\u1ee9u (SOR) \u1edf Ba Lan c\u00f3 mi\u1ec5n ph\u00ed n\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n<p>D\u1ecbch v\u1ee5 c\u1ea5p c\u1ee9u trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p \u0111e d\u1ecda s\u1ee9c kh\u1ecfe ho\u1eb7c t\u00ednh m\u1ea1ng s\u1ebd \u0111\u01b0\u1ee3c cung c\u1ea5p, nh\u01b0ng vi\u1ec7c kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c kh\u00f4ng ph\u1ea3i thanh to\u00e1n h\u00f3a \u0111\u01a1n. Sau khi k\u1ebft th\u00fac qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb, b\u1ec7nh nh\u00e2n c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu c\u00e1c chi ph\u00ed ch\u1ea9n \u0111o\u00e1n, n\u1eb1m vi\u1ec7n ho\u1eb7c \u0111i\u1ec1u tr\u1ecb ti\u1ebfp theo. Do \u0111\u00f3, khoa c\u1ea5p c\u1ee9u kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p thay th\u1ebf mi\u1ec5n ph\u00ed cho b\u1ea3o hi\u1ec3m y t\u1ebf.<\/p>\n<h3>C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o khi \u0111i\u1ec1u tr\u1ecb m\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m?<\/h3>\n<p>C\u01a1 s\u1edf y t\u1ebf th\u01b0\u1eddng y\u00eau c\u1ea7u xu\u1ea5t tr\u00ecnh gi\u1ea5y t\u1edd t\u00f9y th\u00e2n v\u00e0 th\u00f4ng tin thanh to\u00e1n. Trong tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i nh\u1eadp vi\u1ec7n ho\u1eb7c ti\u1ebfp t\u1ee5c \u0111i\u1ec1u tr\u1ecb, c\u00f3 th\u1ec3 c\u1ea7n th\u00eam c\u00e1c gi\u1ea5y t\u1edd y t\u1ebf v\u00e0 gi\u1ea5y \u0111\u1ed3ng \u00fd. N\u00ean gi\u1eef l\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c h\u00f3a \u0111\u01a1n, k\u1ebft qu\u1ea3 x\u00e9t nghi\u1ec7m v\u00e0 gi\u1ea5y xu\u1ea5t vi\u1ec7n.<\/p>\n<h3>Vi\u1ec7c \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa m\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m c\u00f3 t\u1ed1n k\u00e9m l\u1eafm kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, \u0111\u00e2y th\u01b0\u1eddng l\u00e0 ph\u1ea7n t\u1ed1n k\u00e9m nh\u1ea5t trong to\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh. Chi ph\u00ed kh\u00f4ng ch\u1ec9 bao g\u1ed3m gi\u01b0\u1eddng b\u1ec7nh vi\u1ec7n m\u00e0 c\u00f2n bao g\u1ed3m chi ph\u00ed ch\u0103m s\u00f3c c\u1ee7a nh\u00e2n vi\u00ean y t\u1ebf, ch\u1ea9n \u0111o\u00e1n, thu\u1ed1c men, c\u00e1c th\u1ee7 thu\u1eadt y t\u1ebf v\u00e0 c\u1ea3 ph\u1eabu thu\u1eadt (n\u1ebfu c\u00f3). Ngay c\u1ea3 m\u1ed9t \u0111\u1ee3t \u0111i\u1ec1u tr\u1ecb ng\u1eafn ng\u00e0y c\u0169ng c\u00f3 th\u1ec3 ti\u00eau t\u1ed1n v\u00e0i ngh\u00ecn z\u0142oty.<\/p>\n<h3>C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi \u0111\u1ebfn Ba Lan kh\u00f4ng?<\/h3>\n<p>Trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p th\u00ec \u0111\u00fang v\u1eady, b\u1edfi v\u00ec chi ph\u00ed b\u1ea3o hi\u1ec3m th\u01b0\u1eddng th\u1ea5p h\u01a1n chi ph\u00ed cho m\u1ed9t l\u1ea7n kh\u00e1m k\u00e8m x\u00e9t nghi\u1ec7m ho\u1eb7c m\u1ed9t \u0111\u1ee3t nh\u1eadp vi\u1ec7n ng\u1eafn ng\u00e0y. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro t\u00e0i ch\u00ednh v\u00e0 th\u01b0\u1eddng t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i h\u01a1n cho c\u00e1c th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng n\u1ebfu b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa t\u1ea1i Ba Lan trong th\u1eddi gian d\u00e0i.<\/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>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan m\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m v\u00e0o n\u0103m 2026 c\u00f3 th\u1ec3 \u1edf m\u1ee9c v\u1eeba ph\u1ea3i \u0111\u1ed1i v\u1edbi c\u00e1c cu\u1ed9c kh\u00e1m \u0111\u01a1n gi\u1ea3n, nh\u01b0ng s\u1ebd r\u1ea5t cao trong tr\u01b0\u1eddng h\u1ee3p ch\u1ea9n \u0111o\u00e1n, nh\u1eadp vi\u1ec7n v\u00e0 ph\u1eabu thu\u1eadt. B\u1ea3ng gi\u00e1 \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan kh\u00e1c nhau t\u00f9y theo t\u1eebng c\u01a1 s\u1edf y t\u1ebf, do \u0111\u00f3 tr\u01b0\u1edbc khi \u0111\u1ebfn kh\u00e1m, b\u1ea1n n\u00ean h\u1ecfi r\u00f5 v\u1ec1 m\u1ee9c ph\u00ed v\u00e0 ph\u1ea1m vi chi ph\u00ed. N\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c \u0111ang c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa t\u1ea1i Ba Lan, gi\u1ea3i ph\u00e1p h\u1ee3p l\u00fd l\u00e0 mua b\u1ea3o hi\u1ec3m y t\u1ebf tr\u01b0\u1edbc khi \u0111\u1ebfn. \u0110\u00e2y l\u00e0 c\u00e1ch \u0111\u01a1n gi\u1ea3n nh\u1ea5t \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u1ea3i tr\u1ea3 h\u00f3a \u0111\u01a1n \u0111i\u1ec1u tr\u1ecb v\u1edbi s\u1ed1 ti\u1ec1n l\u1edbn.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 c\u00e1c kho\u1ea3n chi m\u00e0 b\u1ec7nh nh\u00e2n ph\u1ea3i chi tr\u1ea3 cho vi\u1ec7c kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m, th\u1ee7 thu\u1eadt, n\u1eb1m vi\u1ec7n v\u00e0 thu\u1ed1c men khi kh\u00f4ng c\u00f3 l\u00fd do ch\u00ednh \u0111\u00e1ng\u2026<\/p>","protected":false},"author":2,"featured_media":3483,"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":[16],"tags":[18,21,19,24,17],"class_list":["post-3484","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-system-ochrony-zdrowia","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>Koszty leczenia bez ubezpieczenia w Polsce 2026 - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a koszty leczenia w Polsce bez ubezpieczenia w 2026 roku. 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