{"id":3522,"date":"2026-10-26T11:46:28","date_gmt":"2026-10-26T10:46:28","guid":{"rendered":"https:\/\/insurancevisa.pl\/?p=3522"},"modified":"2026-10-26T11:46:28","modified_gmt":"2026-10-26T10:46:28","slug":"hop-dong-bao-hiem-danh-cho-nguoi-nuoc-ngoai-can-kiem-tra-nhung-gi","status":"publish","type":"post","link":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/","title":{"rendered":"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 c\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec?"},"content":{"rendered":"<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 ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c x\u00e1c nh\u1eadn mua b\u1ea3o hi\u1ec3m. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a b\u1ea3o hi\u1ec3m c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o ch\u1ee9ng t\u1eeb b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung, g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung (n\u1ebfu c\u00f3). Do \u0111\u00f3, tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, b\u1ea1n n\u00ean ki\u1ec3m tra kh\u00f4ng ch\u1ec9 gi\u00e1 c\u1ea3 v\u00e0 th\u1eddi h\u1ea1n, m\u00e0 c\u00f2n c\u1ea3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a, th\u1ee7 t\u1ee5c khai b\u00e1o s\u1ef1 c\u1ed1 v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng l\u00e0m m\u1ed9t ph\u1ea7n c\u1ee7a h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa, \u0111\u1ed3ng th\u1eddi \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n. Danh s\u00e1ch d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n \u0111\u1ecdc c\u00e1c \u0111i\u1ec1u kho\u1ea3n theo th\u1ee9 t\u1ef1 ph\u00f9 h\u1ee3p, m\u00e0 kh\u00f4ng n\u00ean cho r\u1eb1ng m\u1ecdi g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau.<\/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=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#dokumenty-ktore-tworza-umowe\">C\u00e1c t\u00e0i li\u1ec7u c\u1ea5u th\u00e0nh h\u1ee3p \u0111\u1ed3ng<\/a><\/li>\n\n\n<li><a href=\"#zakres-i-terytorium-ochrony\">Ph\u1ea1m vi v\u00e0 l\u00e3nh th\u1ed5 b\u1ea3o v\u1ec7<\/a><\/li>\n\n\n<li><a href=\"#sumy-podlimity-i-rozszerzenia\">T\u1ed5ng, gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 m\u1edf r\u1ed9ng<\/a><\/li>\n\n\n<li><a href=\"#zgloszenie-zdarzenia-i-dokumenty\">B\u00e1o c\u00e1o s\u1ef1 c\u1ed1 v\u00e0 c\u00e1c t\u00e0i li\u1ec7u<\/a><\/li>\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n\n<li><a href=\"#ostatnia-kontrola-przed-zakupem\">Ki\u1ec3m tra l\u1ea7n cu\u1ed1i tr\u01b0\u1edbc khi mua<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dokumenty-ktore-tworza-umowe\">C\u00e1c t\u00e0i li\u1ec7u c\u1ea5u th\u00e0nh h\u1ee3p \u0111\u1ed3ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh r\u00f5 b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec sau khi mua h\u00e0ng. Ch\u1ec9 ri\u00eang th\u00f4ng b\u00e1o x\u00e1c nh\u1eadn thanh to\u00e1n l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7. B\u1ea1n c\u1ea7n c\u00f3 <strong>b\u1ed9 h\u1ed3 s\u01a1<\/strong>: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn, c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) t\u01b0\u01a1ng \u1ee9ng, c\u00f9ng th\u00f4ng tin v\u1ec1 g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn. T\u00ean g\u1ecdi c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u01b0\u01a1ng t\u1ef1 nhau trong m\u1ed9t s\u1ed1 \u0111\u1ec1 xu\u1ea5t, nh\u01b0ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra <strong>th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>: h\u1ecd v\u00e0 t\u00ean c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ng\u00e0y sinh ho\u1eb7c th\u00f4ng tin nh\u1eadn d\u1ea1ng kh\u00e1c, s\u1ed1 gi\u1ea5y t\u1edd (n\u1ebfu c\u00f3 ghi) v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o hi\u1ec3m. L\u1ed7i ch\u00ednh t\u1ea3 c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n khi s\u1eed d\u1ee5ng t\u00e0i li\u1ec7u, v\u00ec v\u1eady \u0111\u1eebng tr\u00ec ho\u00e3n vi\u1ec7c s\u1eeda ch\u1eefa cho \u0111\u1ebfn khi c\u1ea7n \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y so s\u00e1nh ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u1edbi k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa th\u1ef1c t\u1ebf. <strong>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9<\/strong> N\u00ean bao g\u1ed3m kho\u1ea3ng th\u1eddi gian m\u00e0 b\u1ea1n c\u1ea7n b\u1ea3o hi\u1ec3m v\u00e0 gi\u1ea5y t\u1edd li\u00ean quan. \u0110\u1eebng cho r\u1eb1ng vi\u1ec7c thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd t\u1ef1 \u0111\u1ed9ng gi\u1ea3i quy\u1ebft xong t\u1ea5t c\u1ea3 c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh. N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m v\u00e0o \u0111\u01a1n xin th\u1ecb th\u1ef1c ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa, h\u00e3y ki\u1ec3m tra ri\u00eang c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, vi\u1ec7c l\u01b0u b\u1ea3n sao h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0o \u0111i\u1ec7n tho\u1ea1i, \u0111\u1ed3ng th\u1eddi \u0111\u1ec3 l\u1ea1i m\u1ed9t b\u1ea3n sao cho ng\u01b0\u1eddi c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ee1 trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p l\u00e0 r\u1ea5t h\u1eefu \u00edch. B\u1ea1n c\u0169ng n\u00ean \u0111\u1ecdc h\u01b0\u1edbng d\u1eabn v\u1ec1 nh\u1eefng \u0111i\u1ec1u <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 gi\u1ea5y t\u1edd ch\u1ee9ng minh vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m t\u1ea1i Ba Lan<\/a> Th\u1eadt ti\u1ec7n khi c\u00f3 s\u1eb5n b\u00ean m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zakres-i-terytorium-ochrony\">Ph\u1ea1m vi v\u00e0 l\u00e3nh th\u1ed5 b\u1ea3o v\u1ec7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u01b0\u1edbc ti\u1ebfp theo l\u00e0 tr\u1ea3 l\u1eddi hai c\u00e2u h\u1ecfi ri\u00eang bi\u1ec7t: h\u1ee3p \u0111\u1ed3ng bao g\u1ed3m nh\u1eefng s\u1ef1 ki\u1ec7n n\u00e0o v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng \u1edf \u0111\u00e2u. <strong>Khu b\u1ea3o t\u1ed3n<\/strong> ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). Kh\u00f4ng n\u00ean \u0111\u01b0a ra k\u1ebft lu\u1eadn d\u1ef1a tr\u00ean t\u00ean s\u1ea3n ph\u1ea9m hay ng\u00f4n ng\u1eef c\u1ee7a t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a \u0111i\u1ec1u kho\u1ea3n n\u00e0y l\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020. Trong t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 n\u00e0y, ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra tr\u00ean l\u00e3nh th\u1ed5 C\u1ed9ng h\u00f2a Ba Lan. \u0110\u00e2y l\u00e0 th\u00f4ng tin li\u00ean quan c\u1ee5 th\u1ec3 \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u ki\u1ec7n n\u00e0y, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 nguy\u00ean t\u1eafc chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu chuy\u1ebfn \u0111i ho\u1eb7c th\u1eddi gian l\u01b0u tr\u00fa bao g\u1ed3m nhi\u1ec1u qu\u1ed1c gia, qu\u00fd kh\u00e1ch c\u1ea7n ki\u1ec3m tra \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng trong t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u1ecdc ph\u1ea1m vi, h\u00e3y ph\u00e2n chia <strong>ph\u1ea1m vi c\u01a1 b\u1ea3n<\/strong> so v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c khi \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t th\u00f4ng qua m\u1ed9t \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ n\u0103m 2026, b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung nh\u1eb1m m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, kh\u00f4ng n\u00ean cho r\u1eb1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y t\u1ef1 \u0111\u1ed9ng c\u00f3 hi\u1ec7u l\u1ef1c trong m\u1ecdi phi\u00ean b\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng, b\u1ed1i c\u1ea3nh l\u01b0u tr\u00fa v\u00e0 di chuy\u1ec3n c\u0169ng c\u00f3 th\u1ec3 l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng. T\u00e0i li\u1ec7u h\u01b0\u1edbng d\u1eabn c\u00e1ch ph\u00e2n t\u00edch <a href=\"https:\/\/schengeninsurance.pl\/ubezpieczenie-cudzoziemca-pracujacego-w-polsce-i-strefie-schengen\/\" target=\"_blank\" rel=\"noopener noreferrer\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0m vi\u1ec7c t\u1ea1i Ba Lan<\/a>, gi\u00fap l\u00e0m r\u00f5 c\u00e1c v\u1ea5n \u0111\u1ec1 n\u00e0y, nh\u01b0ng kh\u00f4ng th\u1ec3 thay th\u1ebf vi\u1ec7c \u0111\u1ecdc k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), \u0111\u1eb7c bi\u1ec7t ch\u00fa \u00fd \u0111\u1ebfn c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn ph\u1ea1m vi \u0111\u1ecba l\u00fd, \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n c\u0169ng nh\u01b0 ngh\u0129a v\u1ee5 sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. N\u1ebfu b\u1ea1n c\u00f2n b\u0103n kho\u0103n li\u1ec7u t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 n\u00e0o \u0111\u00f3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 hay kh\u00f4ng, h\u00e3y y\u00eau c\u1ea7u gi\u1ea3i th\u00edch tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 l\u01b0u gi\u1eef c\u00e2u tr\u1ea3 l\u1eddi b\u1eb1ng v\u0103n b\u1ea3n. Ngo\u00e0i ra, nh\u1eefng \u0111i\u1ec1u sau \u0111\u00e2y c\u0169ng r\u1ea5t h\u1eefu \u00edch: <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\u00e1c nguy\u00ean t\u1eafc l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sumy-podlimity-i-rozszerzenia\">T\u1ed5ng, gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 m\u1edf r\u1ed9ng<\/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<p class=\"has-medium-font-size wp-block-paragraph\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong> i <strong>gi\u1edbi h\u1ea1n ph\u1ee5<\/strong> \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng thu\u1eadt ng\u1eef k\u1ef9 thu\u1eadt v\u00f4 ngh\u0129a \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Ch\u00fang x\u00e1c \u0111\u1ecbnh c\u00e1c gi\u1edbi h\u1ea1n t\u00e0i ch\u00ednh v\u1ec1 tr\u00e1ch nhi\u1ec7m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3. C\u1ea7n ph\u1ea3i \u0111\u1ecdc c\u00e1c thu\u1eadt ng\u1eef n\u00e0y c\u00f9ng v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m, b\u1edfi v\u00ec m\u1ee9c t\u1ed5ng b\u1ea3o hi\u1ec3m cao ch\u01b0a h\u1eb3n \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee9c gi\u1edbi h\u1ea1n \u00e1p d\u1ee5ng cho m\u1ed9t kho\u1ea3n b\u1ed3i th\u01b0\u1eddng c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a UNIQA n\u0103m 2020, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 c\u1ee7a ch\u00fang \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh nh\u01b0 sau: <strong>gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a<\/strong> \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng ch\u1ec9 ra r\u1eb1ng c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 chi tr\u1ea3 c\u00f3 th\u1ec3 <strong>gi\u1ea3m h\u1ea1n m\u1ee9c hi\u1ec7n c\u00f3<\/strong> trong khu\u00f4n kh\u1ed5 h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3. \u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 v\u1ec1 c\u01a1 ch\u1ebf c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean t\u00e0i li\u1ec7u v\u00e0 ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 n\u00eau, m\u00e0 kh\u00f4ng \u00e1p d\u1ee5ng t\u1ef1 \u0111\u1ed9ng sang c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trong khi \u0111\u1ecdc, h\u00e3y t\u1ef1 tr\u1ea3 l\u1eddi b\u1ed1n c\u00e2u h\u1ecfi sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb66872-iconlist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb66872-iconlist 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-itemsb66872-iconlist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb66872-iconlist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb66872-iconlist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsb66872-iconlist 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-itemsb66872-iconlist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb66872-iconlist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb66872-iconlist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb66872-iconlist .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-b66872-iconlist 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-b66872-item-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b66872-item-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b66872-item-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">n\u01a1i l\u01b0u tr\u1eef t\u1ed5ng gi\u00e1 tr\u1ecb t\u01b0\u01a1ng \u1ee9ng v\u1edbi ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b66872-item-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b66872-item-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b66872-item-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">li\u1ec7u c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p c\u1ee5 th\u1ec3 c\u00f3 m\u1ee9c gi\u1edbi h\u1ea1n ri\u00eang hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b66872-item-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b66872-item-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b66872-item-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">li\u1ec7u kho\u1ea3n thanh to\u00e1n \u0111\u00f3 c\u00f3 l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i cho giai \u0111o\u1ea1n ti\u1ebfp theo hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b66872-item-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b66872-item-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b66872-item-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">nh\u1eefng th\u00e0nh ph\u1ea7n n\u00e0o ch\u1ec9 c\u00f3 s\u1eb5n d\u01b0\u1edbi d\u1ea1ng <strong>c\u00e1c ti\u1ec7n \u00edch m\u1edf r\u1ed9ng t\u00f9y ch\u1ecdn<\/strong>.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ch\u1ec9 v\u00ec m\u1ed9t con s\u1ed1 n\u00e0o \u0111\u00f3 tr\u00f4ng c\u00f3 v\u1ebb h\u1ea5p d\u1eabn. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra xem g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3 bao g\u1ed3m nh\u1eefng g\u00ec, c\u00f3 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 n\u00e0o kh\u00f4ng v\u00e0 li\u1ec7u h\u1ea1ng m\u1ee5c b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n quan t\u00e2m c\u00f3 th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c bao g\u1ed3m trong \u0111\u00f3 hay kh\u00f4ng. N\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c \u0111\u1ec1 xu\u1ea5t c\u00f3 th\u1ec3 so s\u00e1nh \u0111\u01b0\u1ee3c, \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf cho c\u00f9ng m\u1ed9t ng\u01b0\u1eddi, c\u00f9ng kho\u1ea3ng th\u1eddi gian v\u00e0 c\u00f9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u00ec kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0o r\u1ebb nh\u1ea5t hay t\u1ed1t nh\u1ea5t.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zgloszenie-zdarzenia-i-dokumenty\">B\u00e1o c\u00e1o s\u1ef1 c\u1ed1 v\u00e0 c\u00e1c t\u00e0i li\u1ec7u<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n n\u00ean \u0111\u1ecdc k\u1ef9 h\u01b0\u1edbng d\u1eabn n\u00e0y tr\u01b0\u1edbc khi mua. Khi c\u1ea7n tr\u1ee3 gi\u00fap kh\u1ea9n c\u1ea5p, vi\u1ec7c t\u00ecm ki\u1ebfm s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 h\u01b0\u1edbng d\u1eabn trong nhi\u1ec1u t\u1ec7p tin s\u1ebd t\u1ed1n th\u1eddi gian. H\u00e3y l\u01b0u l\u1ea1i <strong>s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong> v\u00e0 th\u00f4ng tin li\u00ean h\u1ec7 \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee7a qu\u00fd v\u1ecb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a UNIQA n\u0103m 2020, khi li\u00ean h\u1ec7 v\u1edbi Trung t\u00e2m C\u1ea5p c\u1ee9u, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ea7n cung c\u1ea5p th\u00f4ng tin v\u1ec1 t\u00ecnh ti\u1ebft s\u1ef1 c\u1ed1, lo\u1ea1i h\u1ed7 tr\u1ee3 c\u1ea7n thi\u1ebft, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd t\u00ean v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, sau \u0111\u00f3 tu\u00e2n th\u1ee7 c\u00e1c h\u01b0\u1edbng d\u1eabn c\u1ee7a trung t\u00e2m. \u0110\u00e2y l\u00e0 quy tr\u00ecnh \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong t\u00e0i li\u1ec7u n\u00e0y, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Vui l\u00f2ng ki\u1ec3m tra trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a qu\u00fd v\u1ecb \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh k\u00eanh li\u00ean l\u1ea1c ph\u00f9 h\u1ee3p v\u00e0 tr\u00ecnh t\u1ef1 c\u00e1c b\u01b0\u1edbc c\u1ea7n th\u1ef1c hi\u1ec7n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 <strong>m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c<\/strong> c\u00f9ng v\u1edbi c\u00e1c t\u00e0i li\u1ec7u cho ph\u00e9p \u0111\u00e1nh gi\u00e1 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb v\u00e0 chi ph\u00ed li\u00ean quan. Theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a UNIQA \u0111\u00e3 n\u00eau, th\u00f4ng b\u00e1o v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb 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, gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf k\u00e8m ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u t\u00e0i ch\u00ednh c\u1ea7n thi\u1ebft, bao g\u1ed3m h\u00f3a \u0111\u01a1n, bi\u00ean lai, gi\u1ea5y ch\u1ee9ng nh\u1eadn nh\u1eadp vi\u1ec7n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Compensa n\u0103m 2026 n\u00eau ra m\u1ed9t v\u00ed d\u1ee5 kh\u00e1c v\u1ec1 quy tr\u00ecnh n\u00e0y. Sau khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 t\u1ed5n th\u1ea5t, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u, trong s\u1ed1 nh\u1eefng \u0111i\u1ec1u kh\u00e1c, <strong>h\u1ed3 s\u01a1 y t\u1ebf<\/strong>, gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00e3 tr\u00ecnh b\u00e1o v\u1edbi c\u1ea3nh s\u00e1t v\u00e0 <strong>h\u00f3a \u0111\u01a1n v\u00e0 bi\u00ean lai<\/strong> li\u00ean quan \u0111\u1ebfn c\u00e1c chi ph\u00ed \u0111\u00e3 n\u00eau. C\u00e1c h\u00f3a \u0111\u01a1n, b\u1ea3ng d\u1ef1 to\u00e1n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ki\u1ec3m tra nh\u1eb1m x\u00e1c \u0111\u1ecbnh t\u00ecnh ti\u1ebft v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. Ph\u1ea1m vi v\u1eadt li\u1ec7u c\u1ea7n thi\u1ebft t\u00f9y thu\u1ed9c v\u00e0o s\u1ef1 c\u1ed1 v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 l\u01b0u gi\u1eef to\u00e0n b\u1ed9 th\u01b0 t\u1eeb, c\u00e1c t\u00e0i li\u1ec7u nh\u1eadn \u0111\u01b0\u1ee3c t\u1ea1i c\u01a1 quan v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb chi ti\u00eau. Tuy nhi\u00ean, \u0111\u1eebng t\u1ef1 l\u1eadp m\u1ed9t danh s\u00e1ch chung cho t\u1eebng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh l\u00e0 <strong>H\u01b0\u1edbng d\u1eabn khai b\u00e1o thi\u1ec7t h\u1ea1i<\/strong> \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/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-potwierdzenie-zakupu-jest-tym-samym-co-pelna-umowa\">X\u00e1c nh\u1eadn mua h\u00e0ng c\u00f3 ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u1ea7y \u0111\u1ee7 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00f3 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng ch\u1ee9a \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m. H\u00e3y ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn, c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) t\u01b0\u01a1ng \u1ee9ng, c\u00e1c ph\u01b0\u01a1ng \u00e1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung (n\u1ebfu c\u00f3). Ch\u1ec9 khi xem x\u00e9t t\u1ed5ng th\u1ec3 c\u00e1c t\u00e0i li\u1ec7u n\u00e0y, b\u1ea1n m\u1edbi c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u1eddi h\u1ea1n, ph\u1ea1m vi \u0111\u1ecba l\u00fd, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazda-polisa-dla-cudzoziemca-dziala-takze-poza-polska\">Li\u1ec7u m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 hi\u1ec7u l\u1ef1c c\u1ea3 \u1edf ngo\u00e0i l\u00e3nh th\u1ed5 Ba Lan kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u \u0111\u00f3. Ph\u1ea1m vi l\u00e3nh th\u1ed5 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong t\u1eebng h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3. V\u00ed d\u1ee5, c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020 n\u00eau tr\u00ean quy \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng cho c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra tr\u00ean l\u00e3nh th\u1ed5 Ba Lan, nh\u01b0ng quy \u0111\u1ecbnh n\u00e0y kh\u00f4ng ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 t\u1ea5t c\u1ea3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nnw-i-oc-zawsze-znajduja-sie-w-podstawowym-zakresie\">B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) c\u00f3 lu\u00f4n n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean ch\u1ea5p nh\u1eadn \u0111i\u1ec1u n\u00e0y m\u00e0 kh\u00f4ng ki\u1ec3m tra k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ n\u0103m 2026, b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y d\u01b0\u1edbi d\u1ea1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung nh\u1eb1m m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Trong c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c, c\u1ea5u tr\u00fac h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 kh\u00e1c \u0111i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-przygotowac-przed-kontaktem-z-centrum-alarmowym\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec tr\u01b0\u1edbc khi li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y chu\u1ea9n b\u1ecb s\u1eb5n s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i c\u00f9ng v\u1edbi m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn v\u1ec1 t\u00ecnh hu\u1ed1ng v\u00e0 s\u1ef1 tr\u1ee3 gi\u00fap c\u1ea7n thi\u1ebft. Sau \u0111\u00f3, h\u00e3y l\u00e0m theo h\u01b0\u1edbng d\u1eabn \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n v\u00e0 c\u00e1c khuy\u1ebfn ngh\u1ecb t\u1eeb trung t\u00e2m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-zachowac-po-zdarzeniu\">C\u1ea7n gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c v\u00e0 s\u1ef1 h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p, c\u0169ng nh\u01b0 c\u00e1c ch\u1ee9ng t\u1eeb x\u00e1c nh\u1eadn c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh. Vui l\u00f2ng tham kh\u1ea3o \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u1ec3 bi\u1ebft danh s\u00e1ch chi ti\u1ebft c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft. T\u00f9y thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng v\u00e0 ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3, c\u00f3 th\u1ec3 c\u1ea7n cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u nh\u01b0: gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf, h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb, h\u00f3a \u0111\u01a1n, bi\u00ean lai, ch\u1ee9ng t\u1eeb thanh to\u00e1n ho\u1eb7c x\u00e1c nh\u1eadn \u0111\u00e3 tr\u00ecnh b\u00e1o s\u1ef1 c\u1ed1 v\u1edbi c\u01a1 quan c\u1ea3nh s\u00e1t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-mozna-wskazac-jedna-najlepsza-umowe-dla-kazdego-cudzoziemca\">Li\u1ec7u c\u00f3 th\u1ec3 ch\u1ec9 ra m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng t\u1ed1t nh\u1ea5t d\u00e0nh cho m\u1ecdi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c \u0111\u00e1nh gi\u00e1 c\u1ea7n ph\u1ea3i d\u1ef1a tr\u00ean th\u1eddi gian v\u00e0 \u0111\u1ecba \u0111i\u1ec3m l\u01b0u tr\u00fa, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft, m\u1ee9c b\u1ed3i th\u01b0\u1eddng, m\u1ee9c gi\u1edbi h\u1ea1n, c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 th\u1ee7 t\u1ee5c h\u1ed7 tr\u1ee3. N\u1ebfu thi\u1ebfu nh\u1eefng th\u00f4ng tin n\u00e0y, m\u1ee9c gi\u00e1 s\u1ebd kh\u00f4ng \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 th\u1ef1c hi\u1ec7n m\u1ed9t so s\u00e1nh c\u00f3 tr\u00e1ch nhi\u1ec7m.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ostatnia-kontrola-przed-zakupem\">Ki\u1ec3m tra l\u1ea7n cu\u1ed1i tr\u01b0\u1edbc khi mua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd, h\u00e3y quay l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 ki\u1ec3m tra l\u1ea7n l\u01b0\u1ee3t c\u00e1c m\u1ee5c sau: th\u00f4ng tin ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ng\u00e0y th\u00e1ng, ph\u1ea1m vi \u0111\u1ecba l\u00fd, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n, c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung, m\u1ee9c b\u1ed3i th\u01b0\u1eddng, gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 <strong>N\u1ed9i dung c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 ri\u00eang t\u00ean c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu c\u00e1c t\u00e0i li\u1ec7u n\u00e0y \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a b\u1ea1n, h\u00e3y xem th\u00eam <a href=\"https:\/\/insurancevisa.pl\/vi\/\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. B\u1ea1n c\u00f3 th\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m qua bi\u1ec3u m\u1eabu b\u00ean d\u01b0\u1edbi.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/insurancevisa.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">Mua b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a><\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi thanh to\u00e1n, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng t\u1ea5t c\u1ea3 th\u00f4ng tin, th\u1eddi h\u1ea1n v\u00e0 g\u00f3i d\u1ecbch v\u1ee5 \u0111\u00e3 ch\u1ecdn \u0111\u1ec1u ch\u00ednh x\u00e1c. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd mua \u0111\u01b0\u1ee3c <strong>m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa c\u1ee7a b\u1ea1n<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t t\u00e0i li\u1ec7u c\u00f3 ti\u00eau \u0111\u1ec1 nghe c\u00f3 v\u1ebb \u0111\u00fang \u0111\u1eafn.<\/p>","protected":false},"excerpt":{"rendered":"<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c x\u00e1c nh\u1eadn mua b\u1ea3o hi\u1ec3m. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a b\u1ea3o hi\u1ec3m c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m,\u2026<\/p>","protected":false},"author":1,"featured_media":3521,"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":[55],"tags":[57,59,56,58,60],"class_list":["post-3522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dokumenty-dla-cudzoziemcow","tag-co-sprawdzic-w-polisie","tag-dokumenty-polisy","tag-umowa-ubezpieczenia-dla-cudzoziemca","tag-warunki-ubezpieczenia-medycznego","tag-zakres-ochrony-cudzoziemca"],"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>Umowa ubezpieczenia dla cudzoziemca \u2013 co sprawdzi\u0107?<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a umow\u0119 ubezpieczenia dla cudzoziemca: polis\u0119 i OWU, zakres, terytorium, sumy, podlimity, wy\u0142\u0105czenia oraz zg\u0142oszenie zdarzenia.\" \/>\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\/cac-loai-giay-to-danh-cho-nguoi-nuoc-ngoai\/hop-dong-bao-hiem-danh-cho-nguoi-nuoc-ngoai-can-kiem-tra-nhung-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Umowa ubezpieczenia dla cudzoziemca \u2013 co sprawdzi\u0107?\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a umow\u0119 ubezpieczenia dla cudzoziemca: polis\u0119 i OWU, zakres, terytorium, sumy, podlimity, wy\u0142\u0105czenia oraz zg\u0142oszenie zdarzenia.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancevisa.pl\/vi\/cam-nang\/cac-loai-giay-to-danh-cho-nguoi-nuoc-ngoai\/hop-dong-bao-hiem-danh-cho-nguoi-nuoc-ngoai-can-kiem-tra-nhung-gi\/\" \/>\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=\"2026-10-26T10:46:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-2ad7c00d1773f647959f3566282b797b8022411b2f5c67c7338ac92d12c4d037.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=\"Umowa ubezpieczenia dla cudzoziemca - co sprawdzi\u0107?\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 c\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec?","description":"Ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i: ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), ph\u1ea1m vi b\u1ea3o hi\u1ec3m, l\u00e3nh th\u1ed5 \u00e1p d\u1ee5ng, m\u1ee9c b\u1ed3i th\u01b0\u1eddng, m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1.","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\/cac-loai-giay-to-danh-cho-nguoi-nuoc-ngoai\/hop-dong-bao-hiem-danh-cho-nguoi-nuoc-ngoai-can-kiem-tra-nhung-gi\/","og_locale":"vi_VN","og_type":"article","og_title":"Umowa ubezpieczenia dla cudzoziemca \u2013 co sprawdzi\u0107?","og_description":"Sprawd\u017a umow\u0119 ubezpieczenia dla cudzoziemca: polis\u0119 i OWU, zakres, terytorium, sumy, podlimity, wy\u0142\u0105czenia oraz zg\u0142oszenie zdarzenia.","og_url":"https:\/\/insurancevisa.pl\/vi\/cam-nang\/cac-loai-giay-to-danh-cho-nguoi-nuoc-ngoai\/hop-dong-bao-hiem-danh-cho-nguoi-nuoc-ngoai-can-kiem-tra-nhung-gi\/","og_site_name":"Insurance VISA","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2026-10-26T10:46:28+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-2ad7c00d1773f647959f3566282b797b8022411b2f5c67c7338ac92d12c4d037.webp","type":"image\/webp"}],"author":"admin","twitter_card":"summary_large_image","twitter_title":"Umowa ubezpieczenia dla cudzoziemca - co sprawdzi\u0107?","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/#article","isPartOf":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/"},"author":{"name":"admin","@id":"https:\/\/insurancevisa.pl\/vi\/#\/schema\/person\/0637c6d3b9180d4a8635aa18df2dcc3b"},"headline":"Umowa ubezpieczenia dla cudzoziemca &#8211; co sprawdzi\u0107?","datePublished":"2026-10-26T10:46:28+00:00","mainEntityOfPage":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/"},"wordCount":1490,"publisher":{"@id":"https:\/\/insurancevisa.pl\/vi\/#organization"},"image":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-2ad7c00d1773f647959f3566282b797b8022411b2f5c67c7338ac92d12c4d037.webp","keywords":["co sprawdzi\u0107 w polisie","dokumenty polisy","umowa ubezpieczenia dla cudzoziemca","warunki ubezpieczenia medycznego","zakres ochrony cudzoziemca"],"articleSection":["Dokumenty dla cudzoziemc\u00f3w"],"inLanguage":"vi"},{"@type":"WebPage","@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/","url":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/","name":"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 c\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec?","isPartOf":{"@id":"https:\/\/insurancevisa.pl\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/#primaryimage"},"image":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-2ad7c00d1773f647959f3566282b797b8022411b2f5c67c7338ac92d12c4d037.webp","datePublished":"2026-10-26T10:46:28+00:00","description":"Ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i: ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), ph\u1ea1m vi b\u1ea3o hi\u1ec3m, l\u00e3nh th\u1ed5 \u00e1p d\u1ee5ng, m\u1ee9c b\u1ed3i th\u01b0\u1eddng, m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1.","breadcrumb":{"@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/#primaryimage","url":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-2ad7c00d1773f647959f3566282b797b8022411b2f5c67c7338ac92d12c4d037.webp","contentUrl":"https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-2ad7c00d1773f647959f3566282b797b8022411b2f5c67c7338ac92d12c4d037.webp","width":1200,"height":630,"caption":"Fotorealistyczny kadr przedstawiaj\u0105cy jedn\u0105 oko\u0142o 30-letni\u0105 kobiet\u0119 przegl\u0105daj\u0105c\u0105 polis\u0119 ubezpieczeniow\u0105 i OWU przy biurku, z dokumentami oraz laptopem przed sob\u0105."},{"@type":"BreadcrumbList","@id":"https:\/\/insurancevisa.pl\/vi\/poradnik\/dokumenty-dla-cudzoziemcow\/umowa-ubezpieczenia-dla-cudzoziemca-co-sprawdzic\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/insurancevisa.pl\/"},{"@type":"ListItem","position":2,"name":"Umowa ubezpieczenia dla cudzoziemca &#8211; co sprawdzi\u0107?"}]},{"@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":55,"label":"Dokumenty dla cudzoziemc\u00f3w"}],"post_tag":[{"value":57,"label":"co sprawdzi\u0107 w polisie"},{"value":59,"label":"dokumenty polisy"},{"value":56,"label":"umowa ubezpieczenia dla cudzoziemca"},{"value":58,"label":"warunki ubezpieczenia medycznego"},{"value":60,"label":"zakres ochrony cudzoziemca"}]},"featured_image_src_large":["https:\/\/insurancevisa.pl\/wp-content\/uploads\/2026\/10\/ai-2ad7c00d1773f647959f3566282b797b8022411b2f5c67c7338ac92d12c4d037-1024x538.webp",1024,538,true],"author_info":{"display_name":"admin","author_link":"https:\/\/insurancevisa.pl\/vi\/author\/poliseo\/"},"comment_info":0,"category_info":[{"term_id":55,"name":"Dokumenty dla cudzoziemc\u00f3w","slug":"dokumenty-dla-cudzoziemcow","term_group":0,"term_taxonomy_id":55,"taxonomy":"category","description":"Praktyczne informacje o dokumentach ubezpieczeniowych potrzebnych cudzoziemcom przy zakupie polisy oraz w sprawach wizowych i pobytowych.","parent":0,"count":1,"filter":"raw","cat_ID":55,"category_count":1,"category_description":"Praktyczne informacje o dokumentach ubezpieczeniowych potrzebnych cudzoziemcom przy zakupie polisy oraz w sprawach wizowych i pobytowych.","cat_name":"Dokumenty dla cudzoziemc\u00f3w","category_nicename":"dokumenty-dla-cudzoziemcow","category_parent":0}],"tag_info":[{"term_id":57,"name":"co sprawdzi\u0107 w polisie","slug":"co-sprawdzic-w-polisie","term_group":0,"term_taxonomy_id":57,"taxonomy":"post_tag","description":"Materia\u0142y o elementach polisy, kt\u00f3re warto zweryfikowa\u0107 przed zakupem ubezpieczenia i po otrzymaniu dokument\u00f3w.","parent":0,"count":1,"filter":"raw"},{"term_id":59,"name":"dokumenty polisy","slug":"dokumenty-polisy","term_group":0,"term_taxonomy_id":59,"taxonomy":"post_tag","description":"Poradniki o polisie, certyfikacie, og\u00f3lnych warunkach ubezpieczenia i innych dokumentach potwierdzaj\u0105cych ochron\u0119.","parent":0,"count":1,"filter":"raw"},{"term_id":56,"name":"umowa ubezpieczenia dla cudzoziemca","slug":"umowa-ubezpieczenia-dla-cudzoziemca","term_group":0,"term_taxonomy_id":56,"taxonomy":"post_tag","description":"Poradniki wyja\u015bniaj\u0105ce, jak czyta\u0107 umow\u0119 ubezpieczenia dla cudzoziemca i sprawdza\u0107 jej najwa\u017cniejsze postanowienia.","parent":0,"count":1,"filter":"raw"},{"term_id":58,"name":"warunki ubezpieczenia medycznego","slug":"warunki-ubezpieczenia-medycznego","term_group":0,"term_taxonomy_id":58,"taxonomy":"post_tag","description":"Wyja\u015bnienia dotycz\u0105ce warunk\u00f3w ubezpieczenia medycznego, zakresu ochrony, ogranicze\u0144 i obowi\u0105zk\u00f3w ubezpieczonego.","parent":0,"count":1,"filter":"raw"},{"term_id":60,"name":"zakres ochrony cudzoziemca","slug":"zakres-ochrony-cudzoziemca","term_group":0,"term_taxonomy_id":60,"taxonomy":"post_tag","description":"Informacje o zakresie ochrony ubezpieczeniowej cudzoziemca, terytorium, limitach i mo\u017cliwych rozszerzeniach polisy.","parent":0,"count":1,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/posts\/3522","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=3522"}],"version-history":[{"count":1,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/posts\/3522\/revisions"}],"predecessor-version":[{"id":3523,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/posts\/3522\/revisions\/3523"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/media\/3521"}],"wp:attachment":[{"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/media?parent=3522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/categories?post=3522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancevisa.pl\/vi\/wp-json\/wp\/v2\/tags?post=3522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}