{"id":3510,"date":"2026-10-12T16:15:10","date_gmt":"2026-10-12T14:15:10","guid":{"rendered":"https:\/\/insurancevisa.pl\/?p=3510"},"modified":"2026-10-12T16:15:10","modified_gmt":"2026-10-12T14:15:10","slug":"nhung-sai-lam-thuong-gap-nhat-khi-mua-hop-dong-bao-hiem-cho-nguoi-nuoc-ngoai","status":"publish","type":"post","link":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/","title":{"rendered":"Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c mua b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 v\u1ebb \u0111\u01a1n gi\u1ea3n, cho \u0111\u1ebfn khi c\u1ea7n ki\u1ec3m tra chi ti\u1ebft ho\u1eb7c s\u1eed d\u1ee5ng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. Nh\u1eefng sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t kh\u00f4ng ph\u1ea3i do thi\u1ebfu thi\u1ec7n ch\u00ed, m\u00e0 l\u00e0 do v\u1ed9i v\u00e0ng: ng\u01b0\u1eddi mua t\u1eadp trung v\u00e0o gi\u00e1 c\u1ea3, b\u1ecf qua c\u00e1c t\u00e0i li\u1ec7u, \u0111i\u1ec1n th\u00f4ng tin kh\u00f4ng ch\u00ednh x\u00e1c ho\u1eb7c cho r\u1eb1ng m\u1ecdi g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau. Trong khi \u0111\u00f3 <strong>\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i c\u00f3 m\u1ed9t h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3<\/strong> \u2013 th\u1eddi h\u1ea1n, ph\u1ea1m vi, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 th\u1ee7 t\u1ee5c x\u1eed l\u00fd sau s\u1ef1 c\u1ed1. Ng\u01b0\u1eddi mua th\u01b0\u1eddng t\u00ecm ki\u1ebfm s\u1ef1 b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n, ph\u1ea3i nh\u1eadp vi\u1ec7n, v\u1eadn chuy\u1ec3n y t\u1ebf ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng, nh\u01b0ng ch\u00ednh c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn m\u1edbi quy\u1ebft \u0111\u1ecbnh nh\u1eefng s\u1ef1 c\u1ed1 v\u00e0 chi ph\u00ed n\u00e0o \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo h\u1ee3p \u0111\u1ed3ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 danh s\u00e1ch c\u00e1c sai s\u00f3t th\u1ef1c t\u1ebf m\u00e0 b\u1ea1n n\u00ean kh\u1eafc ph\u1ee5c tr\u01b0\u1edbc khi ho\u00e0n t\u1ea5t giao d\u1ecbch mua.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#dlaczego-sam-certyfikat-nie-wystarczy\">T\u1ea1i sao ch\u1ec9 ri\u00eang ch\u1ee9ng ch\u1ec9 th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7<\/a><\/li>\n\n\n\n<li><a href=\"#blad-1-wybor-wylacznie-na-podstawie-ceny\">L\u1ed7i 1: Ch\u1ec9 l\u1ef1a ch\u1ecdn d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3<\/a><\/li>\n\n\n\n<li><a href=\"#blad-2-pominiecie-procedury-pomocy-i-zgloszenia\">L\u1ed7i 2: B\u1ecf qua quy tr\u00ecnh h\u1ed7 tr\u1ee3 v\u00e0 b\u00e1o c\u00e1o<\/a><\/li>\n\n\n\n<li><a href=\"#blad-3-niedokladne-dane-i-brak-dokumentow\">L\u1ed7i 3: D\u1eef li\u1ec7u kh\u00f4ng ch\u00ednh x\u00e1c v\u00e0 thi\u1ebfu t\u00e0i li\u1ec7u<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n\n\n<li><a href=\"#jak-kupic-polise-bez-niepotrzebnego-ryzyka\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu r\u1ee7i ro kh\u00f4ng c\u1ea7n thi\u1ebft<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dlaczego-sam-certyfikat-nie-wystarczy\">T\u1ea1i sao ch\u1ec9 ri\u00eang ch\u1ee9ng ch\u1ec9 th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u1ea5y ch\u1ee9ng nh\u1eadn x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, nh\u01b0ng kh\u00f4ng thay th\u1ebf cho c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. C\u00e1c th\u00f4ng tin quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 c\u00e1c t\u00e0i li\u1ec7u v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc khi mua, qu\u00fd kh\u00e1ch c\u1ea7n ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng: th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ph\u1ea1m vi l\u00e3nh th\u1ed5, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 th\u1ee7 t\u1ee5c li\u00ean h\u1ec7 khi x\u1ea3y ra s\u1ef1 c\u1ed1.<\/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\u1eebng cho r\u1eb1ng nh\u1eefng t\u00ean g\u1ecdi t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed3ng ngh\u0129a v\u1edbi m\u1ee9c \u0111\u1ed9 b\u1ea3o h\u1ed9 gi\u1ed1ng h\u1ec7t nhau.<\/strong> Hai g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 kh\u00e1c nhau v\u1ec1 c\u01a1 c\u1ea5u m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n mu\u1ed1n l\u00e0m r\u00f5 c\u00e1c ti\u00eau ch\u00ed tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn, h\u00e3y tham kh\u1ea3o th\u00eam h\u01b0\u1edbng d\u1eabn v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai\/cach-chon-bao-hiem-y-te-tai-ba-lan-7-nguyen-tac\/\">C\u00e1ch ch\u1ecdn b\u1ea3o hi\u1ec3m y t\u1ebf t\u1ea1i Ba Lan<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n n\u00ean t\u1ea3i xu\u1ed1ng v\u00e0 l\u01b0u gi\u1eef ngay b\u1ed9 t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng s\u1eafp k\u00fd k\u1ebft. <strong>Phi\u00ean b\u1ea3n ch\u00ednh th\u1ee9c c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) l\u00e0 phi\u00ean b\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb<\/strong>, do \u0111\u00f3 kh\u00f4ng n\u00ean \u0111\u00e1nh gi\u00e1 t\u00ednh c\u1eadp nh\u1eadt c\u1ee7a t\u00e0i li\u1ec7u ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean t\u1ec7p. Sau khi mua, h\u00e3y so s\u00e1nh c\u00e1c th\u00f4ng tin tr\u00ean bi\u00ean nh\u1eadn v\u1edbi th\u00f4ng tin \u0111\u01b0\u1ee3c cung c\u1ea5p trong \u0111\u01a1n \u0111\u0103ng k\u00fd. Danh s\u00e1ch li\u1ec7t k\u00ea c\u00e1c n\u1ed9i dung sau \u0111\u00e2y c\u0169ng s\u1ebd r\u1ea5t h\u1eefu \u00edch: <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai\/nhung-loai-giay-to-nao-chung-minh-viec-co-bao-hiem-tai-ba-lan\/\">c\u00e1c t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c coi nh\u01b0 m\u1ed9t g\u00f3i d\u1ecbch v\u1ee5 y t\u1ebf tr\u1ecdn g\u00f3i. M\u1ee5c \u0111\u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng n\u00e0y l\u00e0 \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o v\u1ec7 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1ec3 chi tr\u1ea3 cho m\u1ecdi nhu c\u1ea7u y t\u1ebf.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"blad-1-wybor-wylacznie-na-podstawie-ceny\">L\u1ed7i 1: Ch\u1ec9 l\u1ef1a ch\u1ecdn d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh li\u1ec7u g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3 c\u1ee7a m\u1ed9t ng\u01b0\u1eddi hay kh\u00f4ng. M\u1ee9c ph\u00ed c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch c\u00f9ng v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. <strong>L\u1ef1a ch\u1ecdn r\u1ebb nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t<\/strong>, c\u0169ng nh\u01b0 m\u1ee9c gi\u00e1 cao h\u01a1n kh\u00f4ng \u0111\u1ea3m b\u1ea3o m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 cao h\u01a1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh cho th\u1ea5y t\u1ea7m quan tr\u1ecdng c\u1ee7a c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng l\u00e0 c\u01a1 c\u1ea5u c\u00e1c gi\u1edbi h\u1ea1n. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 sau <strong>gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a<\/strong> cho m\u1ed7i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. S\u1ed1 ti\u1ec1n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 chi tr\u1ea3 s\u1ebd \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb v\u00e0o s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng ho\u1eb7c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5. Tuy nhi\u00ean, kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc n\u00e0y m\u1ed9t c\u00e1ch t\u00f9y ti\u1ec7n cho b\u1ea5t k\u1ef3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o kh\u00e1c m\u00e0 kh\u00f4ng ki\u1ec3m tra k\u1ef9, c\u0169ng nh\u01b0 kh\u00f4ng \u0111\u01b0\u1ee3c n\u00eau c\u00e1c s\u1ed1 ti\u1ec1n m\u00e0 kh\u00f4ng c\u00f3 t\u00e0i li\u1ec7u v\u1ec1 ph\u01b0\u01a1ng \u00e1n \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh cho h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n thanh to\u00e1n, h\u00e3y t\u1ef1 tr\u1ea3 l\u1eddi m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-price-checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-price-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items-klc-price-checklist kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-klc-price-period .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-price-period .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-price-period 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>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9 c\u1ea7n thi\u1ebft l\u00e0 bao l\u00e2u?<\/strong> C\u00e1c ng\u00e0y th\u00e1ng ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi h\u1ea1n th\u1ef1c t\u1ebf m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c mua.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-price-limits .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-price-limits .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-price-limits 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>S\u1ed1 ti\u1ec1n v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ecdn l\u00e0 bao nhi\u00eau?<\/strong> H\u00e3y tra c\u1ee9u c\u00e1c th\u00f4ng tin n\u00e0y trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3ng chi ti\u1ebft c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng, thay v\u00ec ch\u1ec9 d\u1ef1a v\u00e0o c\u00e1c c\u1ee5m t\u1eeb qu\u1ea3ng c\u00e1o.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-price-events .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-price-events .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-price-events kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>H\u1ee3p \u0111\u1ed3ng n\u00e0y quy \u0111\u1ecbnh nh\u1eefng s\u1ef1 ki\u1ec7n v\u00e0 chi ph\u00ed n\u00e0o?<\/strong> H\u00e3y ki\u1ec3m tra ph\u1ea1m vi \u00e1p d\u1ee5ng v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n li\u00ean quan.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-price-exclusions .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-price-exclusions .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-price-exclusions 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>Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 n\u00e0o l\u00e0 quan tr\u1ecdng?<\/strong> H\u00e3y \u0111\u1ecdc k\u1ef9 nh\u1eefng \u0111i\u1ec1u n\u00e0y tr\u01b0\u1edbc khi mua, ch\u1ee9 \u0111\u1eebng \u0111\u1ee3i \u0111\u1ebfn khi s\u1ef1 vi\u1ec7c x\u1ea3y ra m\u1edbi \u0111\u1ecdc.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng so s\u00e1nh d\u1ef1a tr\u00ean c\u00e1c b\u00e1o gi\u00e1 \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ho\u1eb7c c\u00e1c kho\u1ea3ng th\u1eddi gian kh\u00e1c nhau. <strong>\u0110\u1ec3 so s\u00e1nh m\u1ed9t c\u00e1ch c\u00f4ng b\u1eb1ng, c\u1ea7n ph\u1ea3i d\u1ef1a tr\u00ean nh\u1eefng gi\u1ea3 \u0111\u1ecbnh gi\u1ed1ng nhau<\/strong>: th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi gian b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. N\u1ebfu kh\u00f4ng c\u00f3 nh\u1eefng th\u00f4ng tin n\u00e0y, s\u1ef1 ch\u00eanh l\u1ec7ch v\u1ec1 gi\u00e1 c\u00f3 th\u1ec3 xu\u1ea5t ph\u00e1t t\u1eeb s\u1ef1 kh\u00e1c bi\u1ec7t trong ch\u00ednh s\u1ea3n ph\u1ea9m ho\u1eb7c c\u00e1c th\u00f4ng tin \u0111\u1ea7u v\u00e0o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"blad-2-pominiecie-procedury-pomocy-i-zgloszenia\">L\u1ed7i 2: B\u1ecf qua quy tr\u00ecnh h\u1ed7 tr\u1ee3 v\u00e0 b\u00e1o c\u00e1o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nhi\u1ec1u ng\u01b0\u1eddi ch\u1ec9 t\u1eadp trung v\u00e0o vi\u1ec7c mua b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng t\u00ecm hi\u1ec3u xem ph\u1ea3i l\u00e0m g\u00ec trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m ho\u1eb7c g\u1eb7p tai n\u1ea1n. \u0110\u00f3 l\u00e0 m\u1ed9t sai l\u1ea7m, b\u1edfi v\u00ec <strong>Th\u1ee7 t\u1ee5c gi\u1ea3i quy\u1ebft ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3<\/strong>. Ngay tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u d\u1ecbch v\u1ee5 b\u1ea3o v\u1ec7, b\u1ea1n n\u00ean ghi l\u1ea1i th\u00f4ng tin li\u00ean l\u1ea1c \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c t\u00e0i li\u1ec7u v\u00e0 x\u00e1c \u0111\u1ecbnh r\u00f5 th\u1eddi \u0111i\u1ec3m c\u1ea7n li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m b\u00e1o \u0111\u1ed9ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Ergo Hestia li\u00ean quan \u0111\u1ebfn KLC c\u00f3 quy \u0111\u1ecbnh ngh\u0129a v\u1ee5 ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c cho Trung t\u00e2m C\u1ea5p c\u1ee9u v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c trung t\u00e2m n\u00e0y ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc khi chi tr\u1ea3 c\u00e1c chi ph\u00ed v\u1eadn chuy\u1ec3n. C\u00f9ng t\u00e0i li\u1ec7u n\u00e0y c\u0169ng n\u00eau r\u00f5 r\u1eb1ng khi n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i n\u1ed9p m\u1eabu \u0111\u01a1n, b\u1ea3n g\u1ed1c c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh m\u1ee9c chi ph\u00ed v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf k\u00e8m theo ch\u1ea9n \u0111o\u00e1n. \u0110\u00e2y l\u00e0 v\u00ed d\u1ee5 v\u1ec1 th\u1ee7 t\u1ee5c \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady, sau khi mua, h\u00e3y so\u1ea1n s\u1eb5n m\u1ed9t h\u01b0\u1edbng d\u1eabn \u0111\u01a1n gi\u1ea3n tr\u00ean \u0111i\u1ec7n tho\u1ea1i:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m;<\/li>\n\n\n\n<li>s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a trung t\u00e2m ti\u1ebfp nh\u1eadn kh\u1ea9n c\u1ea5p ho\u1eb7c k\u00eanh b\u00e1o c\u00e1o kh\u00e1c \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung;<\/li>\n\n\n\n<li>m\u00f4 t\u1ea3, <strong>Khi n\u00e0o c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t chi ph\u00ed tr\u01b0\u1edbc<\/strong>;<\/li>\n\n\n\n<li>danh s\u00e1ch c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n l\u01b0u gi\u1eef;<\/li>\n\n\n\n<li>n\u01a1i l\u01b0u gi\u1eef h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Trong t\u00ecnh hu\u1ed1ng c\u0103ng th\u1eb3ng, m\u1ed9t ghi ch\u00fa nh\u01b0 v\u1eady s\u1ebd thi\u1ebft th\u1ef1c h\u01a1n nhi\u1ec1u so v\u1edbi vi\u1ec7c t\u00ecm ki\u1ebfm c\u00e1c t\u1ec7p \u0111\u00ednh k\u00e8m trong h\u1ed9p th\u01b0. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec1u di\u1ec5n ra gi\u1ed1ng h\u1ec7t nhau. <strong>C\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1c khuy\u1ebfn ngh\u1ecb do c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a ra s\u1ebd \u0111\u01b0\u1ee3c \u01b0u ti\u00ean \u00e1p d\u1ee5ng.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu s\u1ef1 c\u1ed1 \u0111\u00e3 x\u1ea3y ra, \u0111\u1eebng ch\u1ec9 d\u1ef1a v\u00e0o tr\u00ed nh\u1edb hay kinh nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. H\u00e3y tham kh\u1ea3o c\u00e1c t\u00e0i li\u1ec7u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n v\u00e0 ki\u1ec3m tra t\u1eebng b\u01b0\u1edbc m\u1ed9t, <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai\/lam-the-nao-de-khai-bao-boi-thuong-theo-hop-dong-bao-hiem-y-te-tai-ba-lan\/\">C\u00e1ch khai b\u00e1o t\u1ed5n th\u1ea5t theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"blad-3-niedokladne-dane-i-brak-dokumentow\">L\u1ed7i 3: D\u1eef li\u1ec7u kh\u00f4ng ch\u00ednh x\u00e1c v\u00e0 thi\u1ebfu t\u00e0i li\u1ec7u<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t l\u1ed7i ch\u00ednh t\u1ea3 trong t\u00ean, s\u1ed1 gi\u1ea5y t\u1edd t\u00f9y th\u00e2n sai ho\u1eb7c ng\u00e0y th\u00e1ng kh\u00f4ng ch\u00ednh x\u00e1c c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n khi s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc khi thanh to\u00e1n, h\u00e3y \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin \u0111\u00e3 \u0111i\u1ec1n v\u1edbi gi\u1ea5y t\u1edd t\u00f9y th\u00e2n, v\u00e0 sau khi mua, h\u00e3y ki\u1ec3m tra l\u1ea1i bi\u00ean nh\u1eadn. <strong>Th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i kh\u1edbp v\u1edbi c\u00e1c t\u00e0i li\u1ec7u.<\/strong> N\u1ebfu ph\u00e1t hi\u1ec7n l\u1ed7i, h\u00e3y th\u1ef1c hi\u1ec7n theo quy tr\u00ecnh kh\u1eafc ph\u1ee5c do nh\u00e0 b\u00e1n h\u00e0ng ho\u1eb7c c\u00f4ng ty b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u1ea5n \u0111\u1ec1 th\u1ee9 hai l\u00e0 vi\u1ec7c n\u1ed9p h\u00f3a \u0111\u01a1n v\u00e0 h\u1ed3 s\u01a1 ngay sau khi nh\u1eadn \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3. Theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Uniqa, \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, trong s\u1ed1 c\u00e1c n\u1ed9i dung kh\u00e1c, ph\u1ea3i bao g\u1ed3m s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 ho\u00e0n c\u1ea3nh s\u1ef1 vi\u1ec7c, 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\u0169ng nh\u01b0 c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u. Danh s\u00e1ch n\u00e0y kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i \u0111\u1ea7y \u0111\u1ee7 cho m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, do \u0111\u00f3 lu\u00f4n c\u1ea7n ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng lo\u1ea1i t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1eb7t kh\u00e1c, theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa li\u00ean quan \u0111\u1ebfn B\u1ea3o hi\u1ec3m Tr\u00e1ch nhi\u1ec7m D\u00e2n s\u1ef1 (KLC), ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00ecnh ti\u1ebft v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i, bao g\u1ed3m c\u1ea3 h\u1ed3 s\u01a1 y t\u1ebf. 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 th\u00f4ng tin c\u1ea7n thi\u1ebft cho vi\u1ec7c \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Do \u0111\u00f3, tr\u00ean th\u1ef1c t\u1ebf, ngay t\u1eeb \u0111\u1ea7u, b\u1ea1n n\u00ean l\u1eadp m\u1ed9t h\u1ed3 s\u01a1 c\u00f3 h\u1ec7 th\u1ed1ng bao g\u1ed3m:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-documents-checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items-klc-documents-checklist kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-klc-doc-policy .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-doc-policy .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-doc-policy kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong> v\u00e0 s\u1ed1 b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-doc-medical .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-doc-medical .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-doc-medical kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">h\u1ed3 s\u01a1 nh\u1eadn \u0111\u01b0\u1ee3c sau khi h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-doc-bills .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-doc-bills .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-doc-bills kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n (n\u1ebfu c\u00f3);<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-doc-correspondence .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-doc-correspondence .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-doc-correspondence 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\">th\u01b0 t\u1eeb v\u00e0 c\u00e1c v\u0103n b\u1ea3n x\u00e1c nh\u1eadn \u0111\u0103ng k\u00fd;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-doc-description .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-doc-description .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-doc-description kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">b\u1ea3n t\u01b0\u1eddng tr\u00ecnh s\u1ef1 vi\u1ec7c kh\u00e1ch quan, chi ti\u1ebft k\u00e8m theo ng\u00e0y th\u00e1ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng b\u1ed5 sung th\u00f4ng tin sau n\u00e0y v\u00e0 \u0111\u1eebng g\u1eedi nh\u1eefng b\u1ee9c \u1ea3nh m\u1edd nh\u00f2e n\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb nh\u1eefng b\u1ea3n sao r\u00f5 n\u00e9t. <strong>C\u00e1c t\u00e0i li\u1ec7u c\u1ea7n ph\u1ea3n \u00e1nh m\u1ed9t c\u00e1ch nh\u1ea5t qu\u00e1n di\u1ec5n bi\u1ebfn c\u1ee7a s\u1ef1 vi\u1ec7c.<\/strong> \u0110\u1ed3ng th\u1eddi, \u0111\u1eebng cho r\u1eb1ng vi\u1ec7c thi\u1ebfu m\u1ed9t ph\u1ee5 l\u1ee5c n\u00e0o \u0111\u00f3 s\u1ebd lu\u00f4n d\u1eabn \u0111\u1ebfn c\u00f9ng m\u1ed9t k\u1ebft qu\u1ea3. C\u00e1c ngh\u0129a v\u1ee5 v\u1ec1 h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c n\u00eau tr\u00ean kh\u00f4ng \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 \u0111\u01b0a ra k\u1ebft lu\u1eadn chung chung nh\u01b0 v\u1eady.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u, b\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 c\u00f2n hi\u1ec7u l\u1ef1c hay kh\u00f4ng v\u00e0 c\u00e1c th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng c\u00f3 kh\u1edbp v\u1edbi th\u00f4ng tin khi mua hay kh\u00f4ng. M\u1ed9t h\u01b0\u1edbng d\u1eabn ri\u00eang s\u1ebd gi\u1ea3i th\u00edch, <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/the-cu-tru-va-hop-phap-hoa\/lam-the-nao-de-kiem-tra-thoi-han-hieu-luc-cua-hop-dong-bao-hiem-cua-nguoi-nuoc-ngoai\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-wystarczy-wybrac-polise-z-najnizsza-skladka\">Ch\u1ec9 c\u1ea7n ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 m\u1ee9c ph\u00ed th\u1ea5p nh\u1ea5t l\u00e0 \u0111\u1ee7 ch\u01b0a?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Ch\u1ec9 ri\u00eang m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3n \u00e1nh th\u1eddi h\u1ea1n, ph\u1ea1m vi, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u0169ng nh\u01b0 c\u00e1c ngh\u0129a v\u1ee5 sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. <strong>So s\u00e1nh c\u00e1c \u0111\u1ec1 xu\u1ea5t d\u1ef1a tr\u00ean c\u00f9ng m\u1ed9t d\u1eef li\u1ec7u v\u00e0 gi\u1ea3 \u0111\u1ecbnh<\/strong>, v\u00e0 tr\u01b0\u1edbc khi mua, h\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn phi\u00ean b\u1ea3n c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazda-polisa-dla-cudzoziemca-dziala-tak-samo\">C\u00f3 ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh nh\u01b0 v\u1eady. C\u00e1c t\u00e0i li\u1ec7u c\u00f3 th\u1ec3 quy \u0111\u1ecbnh kh\u00e1c nhau v\u1ec1 c\u00e1c gi\u1edbi h\u1ea1n, ph\u1ea1m vi v\u00e0 th\u1ee7 t\u1ee5c. <strong>H\u00e3y ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea1n \u0111ang mua<\/strong>, thay v\u00ec sao ch\u00e9p c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi kh\u00e1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-warto-zapisac-od-razu-po-zakupie\">Nh\u1eefng \u0111i\u1ec1u n\u00e0o n\u00ean ghi l\u1ea1i ngay sau khi mua h\u00e0ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), bi\u00ean lai thanh to\u00e1n v\u00e0 th\u00f4ng tin li\u00ean h\u1ec7 \u0111\u1ec3 th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1. B\u1ea1n c\u0169ng n\u00ean l\u01b0u c\u00e1c th\u00f4ng tin n\u00e0y \u1edf m\u1ed9t n\u01a1i d\u1ec5 truy c\u1eadp tr\u00ean \u0111i\u1ec7n tho\u1ea1i. <strong>S\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i d\u1ec5 d\u00e0ng tra c\u1ee9u<\/strong> c\u1ea3 \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u1eabn ng\u01b0\u1eddi h\u1ed7 tr\u1ee3 trong t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-po-zdarzeniu-mozna-od-razu-samodzielnie-organizowac-transport\">Sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, li\u1ec7u c\u00f3 th\u1ec3 t\u1ef1 m\u00ecnh s\u1eafp x\u1ebfp ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn chuy\u1ec3n ngay l\u1eadp t\u1ee9c kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi chung n\u00e0o \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c s\u1ea3n ph\u1ea9m. Theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Ergo Hestia \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, trong tr\u01b0\u1eddng h\u1ee3p v\u1eadn chuy\u1ec3n, c\u1ea7n ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c cho Trung t\u00e2m B\u00e1o \u0111\u1ed9ng v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn v\u1ec1 chi ph\u00ed. <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n<\/strong>, mi\u1ec5n l\u00e0 t\u00ecnh h\u00ecnh cho ph\u00e9p li\u00ean l\u1ea1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-przy-zgloszeniu\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o khi l\u00e0m th\u1ee7 t\u1ee5c khai b\u00e1o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft c\u00f3 th\u1ec3 bao g\u1ed3m, trong s\u1ed1 nh\u1eefng th\u1ee9 kh\u00e1c, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 s\u1ef1 c\u1ed1, h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed. Danh s\u00e1ch c\u1ee5 th\u1ec3 c\u00e1c t\u00e0i li\u1ec7u n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) t\u01b0\u01a1ng \u1ee9ng v\u00e0 t\u00f9y thu\u1ed9c v\u00e0o ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng tr\u01b0\u1eddng h\u1ee3p. H\u01b0\u1edbng d\u1eabn n\u00e0y tr\u00ecnh b\u00e0y chi ti\u1ebft c\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n <a href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai\/lam-the-nao-de-khai-bao-boi-thuong-theo-hop-dong-bao-hiem-y-te-tai-ba-lan\/\">C\u00e1ch khai b\u00e1o t\u1ed5n th\u1ea5t theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nazwa-pliku-owu-potwierdza-ze-dokument-jest-aktualny\">T\u00ean t\u1ec7p OWU c\u00f3 x\u00e1c nh\u1eadn r\u1eb1ng t\u00e0i li\u1ec7u n\u00e0y v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. T\u00ean k\u1ef9 thu\u1eadt c\u1ee7a t\u1ec7p kh\u00f4ng ph\u1ea3i l\u00e0 b\u1eb1ng ch\u1ee9ng \u0111\u1ee7 \u0111\u1ec3 x\u00e1c nh\u1eadn phi\u00ean b\u1ea3n hi\u1ec7n h\u00e0nh \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3. <strong>Li\u00ean k\u1ebft \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 ph\u01b0\u01a1ng \u00e1n b\u1ea3o hi\u1ec3m<\/strong>, nh\u1eefng th\u1ee9 m\u00e0 b\u1ea1n th\u1ef1c s\u1ef1 mua.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-kupic-polise-bez-niepotrzebnego-ryzyka\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu r\u1ee7i ro kh\u00f4ng c\u1ea7n thi\u1ebft<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n thanh to\u00e1n, h\u00e3y ki\u1ec3m tra l\u1ea1i l\u1ea7n cu\u1ed1i: x\u00e1c minh th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00e1c ng\u00e0y th\u00e1ng, 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, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 h\u01b0\u1edbng d\u1eabn x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. T\u1ea3i xu\u1ed1ng c\u00e1c t\u00e0i li\u1ec7u v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 nhanh ch\u00f3ng t\u00ecm th\u1ea5y s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 k\u00eanh th\u00f4ng b\u00e1o thi\u1ec7t h\u1ea1i ph\u00f9 h\u1ee3p. <strong>\u0110\u1eebng v\u1ed9i v\u00e0ng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh \u2013 h\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/strong> Ch\u1ec9 c\u1ea7n d\u00e0nh v\u00e0i ph\u00fat \u0111\u1ec3 ki\u1ec3m tra l\u1ea1i c\u0169ng c\u00f3 th\u1ec3 gi\u00fap tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng hi\u1ec3u l\u1ea7m trong tr\u01b0\u1eddng h\u1ee3p c\u1ea7n s\u1ef1 tr\u1ee3 gi\u00fap ngay l\u1eadp t\u1ee9c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu th\u00f4ng tin v\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn l\u00e0 ch\u00ednh x\u00e1c, h\u00e3y chuy\u1ec3n sang bi\u1ec3u m\u1eabu d\u00e0nh cho vi\u1ec7c mua b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/insurancevisa.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">MUA H\u1ee2P \u0110\u1ed2NG B\u1ea2O HI\u1ec2M TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c mua b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 v\u1ebb \u0111\u01a1n gi\u1ea3n, cho \u0111\u1ebfn khi b\u1ea1n c\u1ea7n ki\u1ec3m tra c\u00e1c chi ti\u1ebft ho\u1eb7c s\u1eed d\u1ee5ng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m\u2026.<\/p>","protected":false},"author":1,"featured_media":3509,"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":[36],"tags":[38,39,41,37,40],"class_list":["post-3510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-porady-dla-cudzoziemcow","tag-bledy-w-ubezpieczeniu","tag-jak-nie-kupic-zlej-polisy","tag-na-co-uwazac-przy-zakupie","tag-najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca","tag-ubezpieczenie-cudzoziemca-porady"],"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>Najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca. Dowiedz si\u0119, jak oceni\u0107 zakres, dokumenty, dane i procedur\u0119 zg\u0142oszenia szkody.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/loi-khuyen-danh-cho-nguoi-nuoc-ngoai\/nhung-sai-lam-thuong-gap-nhat-khi-mua-hop-dong-bao-hiem-cho-nguoi-nuoc-ngoai\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca. Dowiedz si\u0119, jak oceni\u0107 zakres, dokumenty, dane i procedur\u0119 zg\u0142oszenia szkody.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/loi-khuyen-danh-cho-nguoi-nuoc-ngoai\/nhung-sai-lam-thuong-gap-nhat-khi-mua-hop-dong-bao-hiem-cho-nguoi-nuoc-ngoai\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance VISA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-12T14:15:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-8c2e6e1415d5981a48b799d4814e8392cf98eccca3f409fa8e6a57f98f7fee23.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i","description":"H\u00e3y t\u00ecm hi\u1ec3u nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. T\u00ecm hi\u1ec3u c\u00e1ch \u0111\u00e1nh gi\u00e1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft, th\u00f4ng tin v\u00e0 th\u1ee7 t\u1ee5c khai b\u00e1o b\u1ed3i th\u01b0\u1eddng.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/insurancevisa.pl\/vi\/cam-nang\/loi-khuyen-danh-cho-nguoi-nuoc-ngoai\/nhung-sai-lam-thuong-gap-nhat-khi-mua-hop-dong-bao-hiem-cho-nguoi-nuoc-ngoai\/","og_locale":"vi_VN","og_type":"article","og_title":"Najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca","og_description":"Sprawd\u017a najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca. Dowiedz si\u0119, jak oceni\u0107 zakres, dokumenty, dane i procedur\u0119 zg\u0142oszenia szkody.","og_url":"https:\/\/insurancevisa.pl\/vi\/cam-nang\/loi-khuyen-danh-cho-nguoi-nuoc-ngoai\/nhung-sai-lam-thuong-gap-nhat-khi-mua-hop-dong-bao-hiem-cho-nguoi-nuoc-ngoai\/","og_site_name":"Insurance VISA","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2026-10-12T14:15:10+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-8c2e6e1415d5981a48b799d4814e8392cf98eccca3f409fa8e6a57f98f7fee23.webp","type":"image\/webp"}],"author":"admin","twitter_card":"summary_large_image","twitter_title":"Najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/#article","isPartOf":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/"},"author":{"name":"admin","@id":"https:\/\/insurancevisa.pl\/vi\/#\/schema\/person\/0637c6d3b9180d4a8635aa18df2dcc3b"},"headline":"Najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca","datePublished":"2026-10-12T14:15:10+00:00","mainEntityOfPage":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/"},"wordCount":1570,"publisher":{"@id":"https:\/\/insurancevisa.pl\/vi\/#organization"},"image":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-8c2e6e1415d5981a48b799d4814e8392cf98eccca3f409fa8e6a57f98f7fee23.webp","keywords":["b\u0142\u0119dy w ubezpieczeniu","jak nie kupi\u0107 z\u0142ej polisy","na co uwa\u017ca\u0107 przy zakupie","najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca","ubezpieczenie cudzoziemca porady"],"articleSection":["Porady dla cudzoziemc\u00f3w"],"inLanguage":"vi"},{"@type":"WebPage","@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/","url":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/","name":"Nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i","isPartOf":{"@id":"https:\/\/insurancevisa.pl\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/#primaryimage"},"image":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-8c2e6e1415d5981a48b799d4814e8392cf98eccca3f409fa8e6a57f98f7fee23.webp","datePublished":"2026-10-12T14:15:10+00:00","description":"H\u00e3y t\u00ecm hi\u1ec3u nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. T\u00ecm hi\u1ec3u c\u00e1ch \u0111\u00e1nh gi\u00e1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft, th\u00f4ng tin v\u00e0 th\u1ee7 t\u1ee5c khai b\u00e1o b\u1ed3i th\u01b0\u1eddng.","breadcrumb":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/#primaryimage","url":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-8c2e6e1415d5981a48b799d4814e8392cf98eccca3f409fa8e6a57f98f7fee23.webp","contentUrl":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-8c2e6e1415d5981a48b799d4814e8392cf98eccca3f409fa8e6a57f98f7fee23.webp","width":1200,"height":630,"caption":"Fotorealistyczne uj\u0119cie kobiety w wieku oko\u0142o 30 lat i m\u0119\u017cczyzny w wieku oko\u0142o 35 lat, kt\u00f3rzy przy stole sprawdzaj\u0105 dane w polisie dla cudzoziemca i por\u00f3wnuj\u0105 je z dokumentem to\u017csamo\u015bci."},{"@type":"BreadcrumbList","@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/porady-dla-cudzoziemcow\/najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/insurancevisa.pl\/"},{"@type":"ListItem","position":2,"name":"Najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca"}]},{"@type":"WebSite","@id":"https:\/\/insurancevisa.pl\/vi\/#website","url":"https:\/\/insurancevisa.pl\/vi\/","name":"Th\u1ebb Visa B\u1ea3o hi\u1ec3m","description":"B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan","publisher":{"@id":"https:\/\/insurancevisa.pl\/vi\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/insurancevisa.pl\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/insurancevisa.pl\/vi\/#organization","name":"C\u00f4ng ty TNHH Polisarium.","alternateName":"Polisarium","url":"https:\/\/insurancevisa.pl\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.pl\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2025\/10\/cropped-logo.webp","contentUrl":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2025\/10\/cropped-logo.webp","width":244,"height":68,"caption":"Polisarium sp. z o.o."},"image":{"@id":"https:\/\/insurancevisa.pl\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/POLISARIUM"]},{"@type":"Person","@id":"https:\/\/insurancevisa.pl\/vi\/#\/schema\/person\/0637c6d3b9180d4a8635aa18df2dcc3b","name":"admin","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793651645","url":"https:\/\/insurancevisa.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793651645","contentUrl":"https:\/\/insurancevisa.pl\/wp-content\/litespeed\/avatar\/c2f0754339ea811cbcd5e0408d39b070.jpg?ver=1793651645","caption":"admin"},"sameAs":["https:\/\/insurancevisa.pl"]}]}},"taxonomy_info":{"category":[{"value":36,"label":"Porady dla cudzoziemc\u00f3w"}],"post_tag":[{"value":38,"label":"b\u0142\u0119dy w ubezpieczeniu"},{"value":39,"label":"jak nie kupi\u0107 z\u0142ej polisy"},{"value":41,"label":"na co uwa\u017ca\u0107 przy zakupie"},{"value":37,"label":"najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca"},{"value":40,"label":"ubezpieczenie cudzoziemca porady"}]},"featured_image_src_large":["https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-8c2e6e1415d5981a48b799d4814e8392cf98eccca3f409fa8e6a57f98f7fee23-1024x538.webp",1024,538,true],"author_info":{"display_name":"admin","author_link":"https:\/\/insurancevisa.pl\/vi\/author\/poliseo\/"},"comment_info":0,"category_info":[{"term_id":36,"name":"Porady dla cudzoziemc\u00f3w","slug":"porady-dla-cudzoziemcow","term_group":0,"term_taxonomy_id":36,"taxonomy":"category","description":"Praktyczne porady dla cudzoziemc\u00f3w dotycz\u0105ce wyboru ubezpieczenia, dokument\u00f3w, zakresu ochrony i post\u0119powania po zdarzeniu.","parent":0,"count":1,"filter":"raw","cat_ID":36,"category_count":1,"category_description":"Praktyczne porady dla cudzoziemc\u00f3w dotycz\u0105ce wyboru ubezpieczenia, dokument\u00f3w, zakresu ochrony i post\u0119powania po zdarzeniu.","cat_name":"Porady dla cudzoziemc\u00f3w","category_nicename":"porady-dla-cudzoziemcow","category_parent":0}],"tag_info":[{"term_id":38,"name":"b\u0142\u0119dy w ubezpieczeniu","slug":"bledy-w-ubezpieczeniu","term_group":0,"term_taxonomy_id":38,"taxonomy":"post_tag","description":"Materia\u0142y wyja\u015bniaj\u0105ce, jak unika\u0107 b\u0142\u0119d\u00f3w przy wyborze ubezpieczenia, sprawdzaniu dokument\u00f3w i korzystaniu z ochrony.","parent":0,"count":1,"filter":"raw"},{"term_id":39,"name":"jak nie kupi\u0107 z\u0142ej polisy","slug":"jak-nie-kupic-zlej-polisy","term_group":0,"term_taxonomy_id":39,"taxonomy":"post_tag","description":"Wskaz\u00f3wki pomagaj\u0105ce oceni\u0107 warunki, zakres, limity i procedury przed zakupem polisy.","parent":0,"count":1,"filter":"raw"},{"term_id":41,"name":"na co uwa\u017ca\u0107 przy zakupie","slug":"na-co-uwazac-przy-zakupie","term_group":0,"term_taxonomy_id":41,"taxonomy":"post_tag","description":"Lista kwestii, kt\u00f3re warto sprawdzi\u0107 przed zakupem ubezpieczenia: dane, daty, zakres, limity, wy\u0142\u0105czenia i dokumenty.","parent":0,"count":1,"filter":"raw"},{"term_id":37,"name":"najcz\u0119stsze b\u0142\u0119dy przy zakupie polisy dla cudzoziemca","slug":"najczestsze-bledy-przy-zakupie-polisy-dla-cudzoziemca","term_group":0,"term_taxonomy_id":37,"taxonomy":"post_tag","description":"Porady o najcz\u0119stszych b\u0142\u0119dach pope\u0142nianych przy wyborze i zakupie polisy koszt\u00f3w leczenia dla cudzoziemca.","parent":0,"count":1,"filter":"raw"},{"term_id":40,"name":"ubezpieczenie cudzoziemca porady","slug":"ubezpieczenie-cudzoziemca-porady","term_group":0,"term_taxonomy_id":40,"taxonomy":"post_tag","description":"Praktyczne porady dotycz\u0105ce ubezpieczenia cudzoziemca, jego dokument\u00f3w, zakresu oraz procedur po zdarzeniu.","parent":0,"count":1,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/posts\/3510","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/comments?post=3510"}],"version-history":[{"count":1,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/posts\/3510\/revisions"}],"predecessor-version":[{"id":3511,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/posts\/3510\/revisions\/3511"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/media\/3509"}],"wp:attachment":[{"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/media?parent=3510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/categories?post=3510"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/tags?post=3510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}