{"id":3863,"date":"2025-07-08T13:55:24","date_gmt":"2025-07-08T11:55:24","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/nieskategoryzowane\/ubezpieczenie-zdrowotne-cudzoziemca-wymagania-koszty-i-pulapki-2025\/"},"modified":"2026-09-14T12:07:10","modified_gmt":"2026-09-14T10:07:10","slug":"bao-hiem-y-te-cho-nguoi-nuoc-ngoai-yeu-cau-chi-phi-va-nhung-diem-can-luu-y-nam-2025","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/vi\/poradnik\/ubezpieczenie-cudzoziemca\/ubezpieczenie-zdrowotne-cudzoziemca-wymagania-koszty-i-pulapki-2025\/","title":{"rendered":"B\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 c\u00e1c y\u00eau c\u1ea7u, chi ph\u00ed v\u00e0 nh\u1eefng \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd n\u0103m 2025"},"content":{"rendered":"<h2 class=\"wp-block-heading\">T\u1ea1i sao b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u1ea1i l\u00e0 b\u1eaft bu\u1ed9c?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed7i ng\u01b0\u1eddi <strong>ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan<\/strong> d\u1ef1a tr\u00ean th\u1ecb th\u1ef1c, gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi ho\u1eb7c v\u0129nh vi\u1ec5n, ph\u1ea3i c\u00f3 <strong>b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong>. N\u1ebfu thi\u1ebfu n\u00f3, s\u1ebd kh\u00f4ng th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c <strong>th\u1ebb c\u01b0 tr\u00fa<\/strong>, v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n \u2013 b\u1ea1n s\u1ebd ph\u1ea3i t\u1ef1 chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t b\u1eaft bu\u1ed9c khi n\u1ed9p \u0111\u01a1n xin gia h\u1ea1n th\u1eddi gian l\u01b0u tr\u00fa h\u1ee3p ph\u00e1p t\u1ea1i Ba Lan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e0o n\u0103m 2025, v\u1eabn c\u00f3 hai h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m ch\u00ednh nh\u01b0 sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n t\u1ea1i NFZ<\/strong> \u2013 l\u1ef1a ch\u1ecdn d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 y t\u1ebf c\u00f4ng c\u1ed9ng v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ea7n thi\u1ebft.<\/li>\n\n\n<li><strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n<\/strong> \u2013 th\u01b0\u1eddng \u0111\u01b0\u1ee3c nh\u1eefng ng\u01b0\u1eddi l\u01b0u tr\u00fa ng\u1eafn h\u1ea1n ho\u1eb7c v\u1edbi m\u1ee5c \u0111\u00edch xin <a href=\"\/vi\/suc-khoe-khi-di-du-lich-va-cuoc-song-cong-so\/bao-hiem-cho-nguoi-nuoc-ngoai-dieu-kien-can-thiet-de-xin-thi-thuc-va-the-cu-tru\/\">th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Chi ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u00e0 qu\u00fd v\u1ecb l\u1ef1a ch\u1ecdn. \u0110\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, chi ph\u00ed dao \u0111\u1ed9ng t\u1eeb 50 \u0111\u1ebfn 250 z\u0142 m\u1ed7i th\u00e1ng. <strong>B\u1ea3o hi\u1ec3m y t\u1ebf cho th\u1ebb c\u01b0 tr\u00fa<\/strong> ph\u1ea3i bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ed1i thi\u1ec3u 30.000 euro. \u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n t\u1ea1i NFZ, m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng v\u00e0o n\u0103m 2025 l\u00e0 kho\u1ea3ng 600 z\u0142 (ho\u1eb7c cao h\u01a1n \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi m\u1edbi \u0111\u0103ng k\u00fd).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng sai l\u1ea7m v\u00e0 c\u1ea1m b\u1eaby ph\u1ed5 bi\u1ebfn nh\u1ea5t khi l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan<\/strong> ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh \u2013 c\u1ea7n th\u1eadn tr\u1ecdng v\u1edbi nh\u1eefng g\u00f3i d\u1ecbch v\u1ee5 gi\u00e1 r\u1ebb kh\u00f4ng bao g\u1ed3m \u0111\u1ea7y \u0111\u1ee7 c\u00e1c quy\u1ec1n l\u1ee3i b\u1eaft bu\u1ed9c. Nh\u1eefng c\u1ea1m b\u1eaby ph\u1ed5 bi\u1ebfn nh\u1ea5t bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa,<\/li>\n\n\n<li>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ee7,<\/li>\n\n\n<li>h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c c\u00e1c c\u01a1 quan t\u1ec9nh ch\u1ea5p nh\u1eadn,<\/li>\n\n\n<li>Ch\u01b0a c\u00f3 b\u1ea3n d\u1ecbch n\u1ed9i dung b\u1ea3o hi\u1ec3m sang ti\u1ebfng Ba Lan.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi \u0111\u01a1n xin <strong>th\u1ebb c\u01b0 tr\u00fa<\/strong> c\u1ea7n \u0111\u00ednh k\u00e8m c\u00e1c t\u00e0i li\u1ec7u c\u00f2n hi\u1ec7u l\u1ef1c <strong>b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/strong> \u2013 c\u1ea3 d\u01b0\u1edbi h\u00ecnh th\u1ee9c t\u01b0 nh\u00e2n l\u1eabn nh\u00e0 n\u01b0\u1edbc. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c d\u1ecbch sang ti\u1ebfng Ba Lan v\u00e0 c\u00f3 x\u00e1c nh\u1eadn r\u1eb1ng h\u1ee3p \u0111\u1ed3ng n\u00e0y chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u1edf m\u1ee9c y\u00eau c\u1ea7u.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mua b\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u1edf \u0111\u00e2u?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p, b\u1ea1n n\u00ean tham kh\u1ea3o \u00fd ki\u1ebfn c\u1ee7a chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n. C\u00e1c l\u1ef1a ch\u1ecdn \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m ch\u1ee9ng c\u00f3 s\u1eb5n tr\u00ean trang web:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/vi\/suc-khoe-khi-di-du-lich-va-cuoc-song-cong-so\/bao-hiem-cho-nguoi-nuoc-ngoai-dieu-kien-can-thiet-de-xin-thi-thuc-va-the-cu-tru\/\"><strong>https:\/\/polisarium.pl\/turystyczne-zdrowie-i-zycie-firmowe\/ubezpieczenie-cudzoziemca-kl-do-wizy-karty-pobytu<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Th\u00f4ng tin th\u00eam v\u1ec1 b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/vi\/huong-dan\/bao-hiem-cho-nguoi-nuoc-ngoai-tai-ba-lan-hoat-dong-nhu-the-nao-va-chi-phi-la-bao-nhieu\/\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan \u2013 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng v\u00e0 chi ph\u00ed<\/a><\/li>\n\n\n<li><a href=\"\/vi\/huong-dan\/ubezpieczenie-zdrowotne-dla-cudzoziemcow-w-polsce-kto-musi-je-miec-i-jak-je-uzyskac\/\">B\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan \u2013 ai ph\u1ea3i c\u00f3 v\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u0103ng k\u00fd?<\/a><\/li>\n\n\n<li><a href=\"\/vi\/huong-dan\/ubezpieczenie-turystyczne-kl-dla-cudzoziemcow-kiedy-i-dlaczego-jest-obowiazkowe\/\">B\u1ea3o hi\u1ec3m du l\u1ecbch KL d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 khi n\u00e0o v\u00e0 t\u1ea1i sao n\u00f3 l\u00e0 b\u1eaft bu\u1ed9c?<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0110\u1eebng m\u1ea1o hi\u1ec3m b\u1ecb t\u1eeb ch\u1ed1i gia h\u1ea1n th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c ph\u1ea3i \u0111i\u1ec1u tr\u1ecb m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c thanh to\u00e1n \u2013 h\u00e3y l\u1ef1a ch\u1ecdn gi\u1ea3i ph\u00e1p h\u1ee3p ph\u00e1p v\u00e0 an to\u00e0n <a href=\"\/vi\/suc-khoe-khi-di-du-lich-va-cuoc-song-cong-so\/bao-hiem-cho-nguoi-nuoc-ngoai-dieu-kien-can-thiet-de-xin-thi-thuc-va-the-cu-tru\/\">b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> ngay h\u00f4m nay.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>M\u1ecdi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u01b0 tr\u00fa t\u1ea1i Ba Lan tr\u00ean c\u01a1 s\u1edf th\u1ecb th\u1ef1c, gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi ho\u1eb7c v\u0129nh vi\u1ec5n \u0111\u1ec1u ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f2n hi\u1ec7u l\u1ef1c. N\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m n\u00e0y, b\u1ea1n s\u1ebd kh\u00f4ng th\u1ec3 xin \u0111\u01b0\u1ee3c th\u1ebb c\u01b0 tr\u00fa, v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n, b\u1ea1n s\u1ebd ph\u1ea3i t\u1ef1 chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c<\/p>","protected":false},"author":1,"featured_media":3770,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[51],"tags":[65,66,75,63,62],"class_list":["post-3863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-cudzoziemca","tag-karta-pobytu","tag-nfz","tag-polisa-ubezpieczeniowa","tag-ubezpieczenie-dla-cudzoziemcow","tag-ubezpieczenie-zdrowotne"],"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>Ubezpieczenie zdrowotne cudzoziemca \u2013 wymagania, koszty i pu\u0142apki 2025<\/title>\n<meta name=\"description\" content=\"Planujesz zamieszka\u0107 lub kontynuowa\u0107 legalny pobyt w Polsce? 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