{"id":5553,"date":"2026-10-21T21:25:34","date_gmt":"2026-10-21T19:25:34","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/?p=5553"},"modified":"2026-10-21T21:25:34","modified_gmt":"2026-10-21T19:25:34","slug":"nnw-la-gi-va-lieu-co-nen-su-dung-no-hang-ngay-khong","status":"publish","type":"post","link":"https:\/\/polisarium.pl\/vi\/poradnik\/ubezpieczenia-na-zycie-i-nnw\/nnw-co-to-jest-i-czy-warto-je-miec-na-co-dzien\/","title":{"rendered":"NNW \u2013 \u0111\u00f3 l\u00e0 g\u00ec v\u00e0 li\u1ec7u c\u00f3 n\u00ean s\u1eed d\u1ee5ng n\u00f3 h\u00e0ng ng\u00e0y kh\u00f4ng?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tai n\u1ea1n th\u01b0\u1eddng \u0111\u01b0\u1ee3c li\u00ean t\u01b0\u1edfng \u0111\u1ebfn b\u1ea3o hi\u1ec3m h\u1ecdc sinh ho\u1eb7c m\u1ed9t g\u00f3i b\u1ed5 sung cho lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c. Tuy nhi\u00ean, \u0111\u00e2y c\u0169ng c\u00f3 th\u1ec3 l\u00e0 gi\u1ea3i ph\u00e1p d\u00e0nh cho ng\u01b0\u1eddi l\u1edbn mu\u1ed1n gi\u1ea3m thi\u1ec3u <strong>h\u1eadu qu\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a v\u1ee5 tai n\u1ea1n \u0111\u00e1ng ti\u1ebfc<\/strong>. Tuy nhi\u00ean, ch\u1ec9 ri\u00eang t\u1eeb vi\u1ebft t\u1eaft n\u00e0y kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5 b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c ch\u00ednh x\u00e1c nh\u1eefng g\u00ec sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. Vi\u1ec7c chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng: \u0111\u1ecbnh ngh\u0129a v\u1ec1 tai n\u1ea1n, ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1ch t\u00ednh m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft. Do \u0111\u00f3, c\u00e2u h\u1ecfi \u201eli\u1ec7u c\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) kh\u00f4ng?\u201d c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u1ea1i nh\u01b0 sau: b\u1ea1n mu\u1ed1n b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n kh\u1ecfi nh\u1eefng h\u1eadu qu\u1ea3 n\u00e0o c\u1ee7a tai n\u1ea1n v\u00e0 li\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 th\u1ef1c s\u1ef1 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nh\u1eefng h\u1eadu qu\u1ea3 \u0111\u00f3 hay kh\u00f4ng? D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW), nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1ch chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, \u0111\u1ed3ng th\u1eddi kh\u00f4ng n\u00ean ch\u1ec9 d\u1ef1a v\u00e0o gi\u00e1 c\u1ea3 \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh.<\/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=\"#nnw-co-to-wlasciwie-znaczy\">NNW \u2014 th\u1ef1c ra n\u00f3 c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#co-moze-obejmowac-polisa-nnw\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#czy-warto-miec-nnw-na-co-dzien\">C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m tai n\u1ea1n h\u00e0ng ng\u00e0y kh\u00f4ng?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-wybrac-nnw-dla-doroslej-osoby\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) cho ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh?<\/a><\/li>\n\n\n\n<li><a href=\"#co-zrobic-po-wypadku\">Ph\u1ea3i l\u00e0m g\u00ec sau khi x\u1ea3y ra tai n\u1ea1n?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"nnw-co-to-wlasciwie-znaczy\">NNW \u2014 th\u1ef1c ra n\u00f3 c\u00f3 ngh\u0129a l\u00e0 g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">NNW l\u00e0 b\u1ea3o hi\u1ec3m tai n\u1ea1n. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 vi\u1ec7c x\u1ea3y ra s\u1ef1 c\u1ed1 th\u00f4i v\u1eabn ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng. S\u1ef1 c\u1ed1 \u0111\u00f3 ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ecbnh ngh\u0129a \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng v\u00e0 g\u00e2y ra h\u1eadu qu\u1ea3 n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m. <strong>Ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee5 th\u1ec3<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 m\u1ed9t s\u1ef1 ph\u00e2n bi\u1ec7t quan tr\u1ecdng. Hai lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c g\u1ecdi t\u1eaft l\u00e0 NNW c\u00f3 th\u1ec3 kh\u00e1c nhau v\u1ec1 ph\u1ea1m vi quy\u1ec1n l\u1ee3i, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u ki\u1ec7n h\u1ea1n ch\u1ebf c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c x\u00e1c \u0111\u1ecbnh m\u1ee9c chi tr\u1ea3. Do \u0111\u00f3, kh\u00f4ng n\u00ean cho r\u1eb1ng gi\u1ea3i ph\u00e1p m\u00e0 b\u1ea1n \u0111\u00e3 bi\u1ebft t\u1eeb tr\u01b0\u1eddng h\u1ecdc, n\u01a1i l\u00e0m vi\u1ec7c ho\u1eb7c c\u00e1c h\u1ee3p \u0111\u1ed3ng kh\u00e1c s\u1ebd ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng h\u1ec7t nh\u01b0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch \u0111\u01a1n gi\u1ea3n nh\u1ea5t \u0111\u1ec3 hi\u1ec3u v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) l\u00e0: b\u1ea1n kh\u00f4ng mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 ph\u00f2ng ng\u1eeba m\u1ecdi v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe, m\u00e0 l\u00e0 \u0111\u1ec3 ph\u00f2ng ng\u1eeba nh\u1eefng h\u1eadu qu\u1ea3 c\u1ee5 th\u1ec3 c\u1ee7a c\u00e1c s\u1ef1 c\u1ed1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, vi\u1ec7c ch\u00fang c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m hay kh\u00f4ng, c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c ch\u1ee9ng minh c\u00e1c h\u1eadu qu\u1ea3 \u0111\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-moze-obejmowac-polisa-nnw\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m kh\u1edfi \u0111\u1ea7u th\u01b0\u1eddng l\u00e0 t\u1ed5n th\u01b0\u01a1ng s\u1ee9c kh\u1ecfe v\u0129nh vi\u1ec5n, nh\u01b0ng c\u00e1c chi ti\u1ebft c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo s\u1ea3n ph\u1ea9m. Trong B\u1ea3o hi\u1ec3m Tai n\u1ea1n c\u1ee7a Compensy <strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng<\/strong>. Trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb t\u1ed5n h\u1ea1i v\u0129nh vi\u1ec5n, m\u1ee9c tr\u1ee3 c\u1ea5p c\u00f3 th\u1ec3 l\u00e0 <strong>m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m nh\u1ea5t \u0111\u1ecbnh c\u1ee7a s\u1ed1 ti\u1ec1n \u0111\u00f3, theo b\u1ea3ng quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung<\/strong>. Tuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n \u0111\u1ec1u t\u00ednh to\u00e1n m\u1ee9c chi tr\u1ea3 theo c\u00f9ng m\u1ed9t c\u00e1ch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Wiener v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n bao g\u1ed3m, trong s\u1ed1 nh\u1eefng n\u1ed9i dung kh\u00e1c, kho\u1ea3n tr\u1ee3 c\u1ea5p do t\u1ed5n th\u01b0\u01a1ng s\u1ee9c kh\u1ecfe v\u0129nh vi\u1ec5n, b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i v\u1ec1 tinh th\u1ea7n v\u00e0 \u0111au \u0111\u1edbn, c\u0169ng nh\u01b0 c\u00e1c kho\u1ea3n ho\u00e0n tr\u1ea3 chi ph\u00ed c\u1ee5 th\u1ec3, bao g\u1ed3m c\u1ea3 chi ph\u00ed mua c\u00e1c thi\u1ebft b\u1ecb h\u1ed7 tr\u1ee3. <strong>Vi\u1ec7c \u00e1p d\u1ee5ng d\u1ecbch v\u1ee5 n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn v\u00e0 c\u00e1c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung<\/strong>. Danh m\u1ee5c n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng cho c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c v\u00e0 c\u0169ng kh\u00f4ng ph\u1ea3i l\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m ti\u00eau chu\u1ea9n trong t\u1ea5t c\u1ea3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee7a Wiener.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 th\u1ef1c t\u1ebf cho th\u1ea5y t\u1ea1i sao ch\u1ec9 ri\u00eang t\u00ean g\u1ecdi c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7. Hai ng\u01b0\u1eddi c\u00f3 th\u1ec3 b\u1ecb ch\u1ea5n th\u01b0\u01a1ng t\u01b0\u01a1ng t\u1ef1 sau m\u1ed9t v\u1ee5 ng\u00e3, nh\u01b0ng l\u1ea1i c\u00f3 c\u00e1c h\u1ee3p \u0111\u1ed3ng v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c nhau, danh m\u1ee5c quy\u1ec1n l\u1ee3i kh\u00e1c nhau v\u00e0 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c nhau v\u1ec1 vi\u1ec7c x\u00e1c \u0111\u1ecbnh m\u1ee9c \u0111\u1ed9 t\u1ed5n h\u1ea1i s\u1ee9c kh\u1ecfe. K\u1ebft qu\u1ea3 gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng ng\u01b0\u1eddi, ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ef1a tr\u00ean c\u00e1ch hi\u1ec3u th\u00f4ng th\u01b0\u1eddng v\u1ec1 t\u1eeb vi\u1ebft t\u1eaft NNW.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"czy-warto-miec-nnw-na-co-dzien\">C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m tai n\u1ea1n h\u00e0ng ng\u00e0y kh\u00f4ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd khi s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng sau tai n\u1ea1n c\u00f3 th\u1ec3 gi\u00fap trang tr\u1ea3i chi ph\u00ed sinh ho\u1ea1t h\u00e0ng ng\u00e0y ho\u1eb7c c\u00e1c kho\u1ea3n chi ph\u00ed \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. Tuy nhi\u00ean, kh\u00f4ng th\u1ec3 tr\u1ea3 l\u1eddi \u201ec\u00f3\u201d m\u1ed9t c\u00e1ch c\u00f4ng b\u1eb1ng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. Gi\u00e1 tr\u1ecb c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c li\u1ec7u n\u00f3 c\u00f3 b\u1ea3o v\u1ec7 <strong>r\u1ee7i ro c\u1ee5 th\u1ec3 c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng \u0111\u1ed1i v\u1edbi b\u1ea1n<\/strong> v\u00e0 li\u1ec7u kho\u1ea3n tr\u1ee3 c\u1ea5p ti\u1ec1m n\u0103ng c\u00f3 t\u01b0\u01a1ng x\u1ee9ng v\u1edbi s\u1ed1 ti\u1ec1n \u0111\u00e3 ch\u1ecdn hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ngh\u0129 v\u1ec1 cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea1n. B\u1ea1n \u0111i l\u00e0m b\u1eb1ng xe \u0111\u1ea1p, l\u00e0m c\u00f4ng vi\u1ec7c th\u1ec3 l\u1ef1c, t\u1eadp luy\u1ec7n th\u01b0\u1eddng xuy\u00ean, di chuy\u1ec3n nhi\u1ec1u trong th\u00e0nh ph\u1ed1 hay ch\u0103m s\u00f3c gia \u0111\u00ecnh? Nh\u1eefng ho\u00e0n c\u1ea3nh nh\u01b0 v\u1eady gi\u00fap x\u00e1c \u0111\u1ecbnh c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n, nh\u01b0ng ch\u01b0a quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c ph\u1ea1m vi b\u1ea3o hi\u1ec3m. B\u1ea1n c\u1ea7n ki\u1ec3m tra xem c\u00e1c ho\u1ea1t \u0111\u1ed9ng n\u00eau tr\u00ean c\u00f3 n\u1eb1m trong ph\u1ea1m vi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n hay kh\u00f4ng, hay c\u1ea7n ph\u1ea3i m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u00eam.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c coi l\u00e0 s\u1ef1 thay th\u1ebf cho b\u1ea5t k\u1ef3 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o kh\u00e1c. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc vi\u1ec7c mua b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n h\u01a1n cho b\u1ea3n th\u00e2n ho\u1eb7c ng\u01b0\u1eddi th\u00e2n, h\u00e3y tham kh\u1ea3o th\u00eam <a href=\"https:\/\/polisarium.pl\/vi\/suc-khoe-va-cuoc-song\/bao-hiem-nhan-tho\/\">ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/a>. C\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng nh\u1eefng nhu c\u1ea7u kh\u00e1c nhau, v\u00ec v\u1eady tr\u01b0\u1edbc ti\u00ean h\u00e3y x\u00e1c \u0111\u1ecbnh hi\u1ec7u qu\u1ea3 b\u1ea3o v\u1ec7 mong mu\u1ed1n, sau \u0111\u00f3 m\u1edbi so s\u00e1nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea1n n\u00ean c\u00e2n nh\u1eafc mua b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) n\u1ebfu b\u1ea1n hi\u1ec3u r\u00f5 c\u01a1 ch\u1ebf chi tr\u1ea3, ch\u1ea5p nh\u1eadn c\u00e1c h\u1ea1n ch\u1ebf v\u00e0 th\u1ea5y r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p kh\u00f4ng ph\u1ea3i l\u00e0 y\u1ebfu t\u1ed1 duy nh\u1ea5t \u0111\u1ec3 \u0111\u00e1nh gi\u00e1, n\u1ebfu ph\u1ea1m vi b\u1ea3o hi\u1ec3m ho\u1eb7c m\u1ee9c b\u1ed3i th\u01b0\u1eddng kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-wybrac-nnw-dla-doroslej-osoby\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) cho ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1eb7t ra tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items8fdcfbd8:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8fdcfbd8 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-items8fdcfbd8 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8fdcfbd8 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8fdcfbd8 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items8fdcfbd8 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-items8fdcfbd8 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items8fdcfbd8 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items8fdcfbd8 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items8fdcfbd8 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items8fdcfbd8 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-a1f05be8 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-a1f05be8 .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-a1f05be8 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>Ph\u1ea1m vi:<\/strong> Nh\u1eefng t\u00ecnh hu\u1ed1ng n\u00e0o s\u1ebd k\u00edch ho\u1ea1t vi\u1ec7c chi tr\u1ea3 v\u00e0 nh\u1eefng kho\u1ea3n tr\u1ee3 c\u1ea5p n\u00e0o thu\u1ed9c v\u1ec1 ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-b2e16cf9 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-b2e16cf9 .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-b2e16cf9 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>T\u1ed5ng c\u1ed9ng:<\/strong> Gi\u1edbi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a tr\u00e1ch nhi\u1ec7m l\u00e0 bao nhi\u00eau v\u00e0 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 th\u1ebf n\u00e0o?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-c3d27a10 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-c3d27a10 .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-c3d27a10 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>C\u00e1c ho\u1ea1t \u0111\u1ed9ng:<\/strong> C\u00f4ng vi\u1ec7c, ho\u1ea1t \u0111\u1ed9ng th\u1ec3 thao hay c\u00e1ch b\u1ea1n d\u00e0nh th\u1eddi gian c\u1ee7a m\u00ecnh c\u00f3 \u0111\u00f2i h\u1ecfi ph\u1ea3i m\u1edf r\u1ed9ng kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-d4c38b21 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-d4c38b21 .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-d4c38b21 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>C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7:<\/strong> Trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i chi tr\u1ea3 ho\u1eb7c h\u1ea1n ch\u1ebf m\u1ee9c chi tr\u1ea3?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-e5b49c32 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-e5b49c32 .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-e5b49c32 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>Quy tr\u00ecnh:<\/strong> Trong th\u1eddi h\u1ea1n bao l\u00e2u th\u00ec c\u1ea7n ph\u1ea3i b\u00e1o c\u00e1o s\u1ef1 vi\u1ec7c v\u00e0 c\u1ea7n l\u01b0u gi\u1eef nh\u1eefng b\u1eb1ng ch\u1ee9ng n\u00e0o?<\/span><\/li>\n<\/ul><\/div>\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>T\u1ed5ng s\u1ed1 ti\u1ec1n kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 t\u00e1ch bi\u1ec7t v\u1edbi ph\u01b0\u01a1ng th\u1ee9c chi tr\u1ea3.<\/strong> M\u1ee9c b\u1ed3i th\u01b0\u1eddng cao \u0111\u01b0\u1ee3c n\u00eau trong g\u00f3i b\u1ea3o hi\u1ec3m kh\u00f4ng quy\u1ebft \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c cho m\u1ed9t tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. H\u00e3y tham kh\u1ea3o b\u1ea3ng m\u1ee9c b\u1ed3i th\u01b0\u1eddng, m\u1ed1i quan h\u1ec7 gi\u1eefa m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho c\u00e1c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng kh\u00e1c \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i c\u00f3 danh s\u00e1ch c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung d\u00e0i nh\u1ea5t. \u0110i\u1ec1u quan tr\u1ecdng h\u01a1n l\u00e0 <strong>ph\u1ea1m vi c\u00f4ng vi\u1ec7c ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u1ef1c t\u1ebf c\u1ee7a b\u1ea1n<\/strong>. Ng\u01b0\u1eddi l\u00e0m vi\u1ec7c v\u1edbi m\u00e1y t\u00ednh c\u00f3 th\u1ec3 ch\u00fa \u00fd \u0111\u1ebfn nh\u1eefng t\u00ecnh hu\u1ed1ng kh\u00e1c so v\u1edbi ng\u01b0\u1eddi l\u00e0m c\u00f4ng vi\u1ec7c th\u1ec3 l\u1ef1c ho\u1eb7c th\u01b0\u1eddng xuy\u00ean t\u1eadp th\u1ec3 thao.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Xin vui l\u00f2ng tham kh\u1ea3o ph\u1ea7n v\u1ec1 c\u00e1c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung. <strong>C\u1ea7n ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 tr\u01b0\u1edbc khi mua h\u00e0ng<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra. B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o hi\u1ec3m. Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 cho r\u1eb1ng m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 hi\u1ec7u l\u1ef1c 24 gi\u1edd m\u1ed7i ng\u00e0y, tr\u00ean to\u00e0n th\u1ebf gi\u1edbi ho\u1eb7c trong m\u1ecdi ho\u1ea1t \u0111\u1ed9ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu g\u00f3i d\u1ecbch v\u1ee5 bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung, h\u00e3y h\u1ecfi xem ch\u00fang c\u00f3 n\u1eb1m trong g\u00f3i c\u01a1 b\u1ea3n hay ch\u1ec9 l\u00e0 ph\u1ea7n m\u1edf r\u1ed9ng. <strong>\u0110\u1eebng t\u1ef1 \u0111\u1ed9ng cho r\u1eb1ng s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed<\/strong> \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng. Kho\u1ea3n b\u1ed3i th\u01b0\u1eddng n\u00e0y ph\u1ea3i tu\u00e2n theo ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-po-wypadku\">Ph\u1ea3i l\u00e0m g\u00ec sau khi x\u1ea3y ra tai n\u1ea1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe c\u1ee7a m\u00ecnh, sau \u0111\u00f3 h\u00e3y s\u1eafp x\u1ebfp th\u00f4ng tin v\u1ec1 s\u1ef1 vi\u1ec7c. <strong>B\u1ea3o qu\u1ea3n c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn v\u1ee5 tai n\u1ea1n<\/strong> v\u00e0 h\u00e3y ki\u1ec3m tra quy tr\u00ecnh \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. M\u00f4 t\u1ea3 t\u00ecnh ti\u1ebft s\u1ef1 vi\u1ec7c, th\u00f4ng tin c\u1ee7a c\u00e1c nh\u00e2n ch\u1ee9ng c\u00f9ng c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh di\u1ec5n bi\u1ebfn v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a s\u1ef1 vi\u1ec7c c\u00f3 th\u1ec3 s\u1ebd h\u1eefu \u00edch, n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Warta v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, \u0111\u00e3 n\u00eau r\u00f5 ngh\u0129a v\u1ee5 b\u1ea3o qu\u1ea3n c\u00e1c b\u1eb1ng ch\u1ee9ng v\u1ec1 v\u1ee5 tai n\u1ea1n c\u0169ng nh\u01b0 cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 y t\u1ebf li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb sau tai n\u1ea1n v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf tr\u01b0\u1edbc khi x\u1ea3y ra tai n\u1ea1n. \u0110\u00e2y l\u00e0 y\u00eau c\u1ea7u xu\u1ea5t ph\u00e1t t\u1eeb v\u0103n b\u1ea3n c\u1ee5 th\u1ec3 n\u00e0y, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 danh s\u00e1ch chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Wiener, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u, trong s\u1ed1 nh\u1eefng th\u1ee9 kh\u00e1c, h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1, c\u0169ng nh\u01b0 h\u00f3a \u0111\u01a1n ho\u1eb7c b\u1ea3ng k\u00ea chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh. Danh s\u00e1ch n\u00e0y ch\u1ec9 mang t\u00ednh ch\u1ea5t minh h\u1ecda. Do \u0111\u00f3, <strong>h\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u v\u00e0 h\u00f3a \u0111\u01a1n<\/strong>, nh\u01b0ng h\u00e3y x\u00e1c \u0111\u1ecbnh b\u1ed9 h\u1ed3 s\u01a1 c\u1ea7n thi\u1ebft d\u1ef1a tr\u00ean h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n v\u00e0 th\u00f4ng tin nh\u1eadn \u0111\u01b0\u1ee3c khi \u0111\u0103ng k\u00fd.<\/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>H\u00e3y th\u00f4ng b\u00e1o v\u1ec1 s\u1ef1 c\u1ed1 theo th\u1eddi h\u1ea1n quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a qu\u00fd kh\u00e1ch.<\/strong> Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ Ubezpieczenia c\u00f3 quy \u0111\u1ecbnh ngh\u0129a v\u1ee5 th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c, ch\u1eadm nh\u1ea5t l\u00e0 trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb khi x\u1ea3y ra tai n\u1ea1n ho\u1eb7c khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 thi\u1ec7t h\u1ea1i, tr\u1eeb khi c\u00f3 quy \u0111\u1ecbnh ri\u00eang trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. <strong>Th\u1eddi h\u1ea1n 14 ng\u00e0y \u00e1p d\u1ee5ng cho t\u00e0i li\u1ec7u TUZ n\u00e0y<\/strong> v\u00e0 kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c coi l\u00e0 quy t\u1eafc chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi g\u1eedi \u0111\u01a1n \u0111\u0103ng k\u00fd, h\u00e3y ki\u1ec3m tra:<\/p>\n\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsfe284f05:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsfe284f05 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-itemsfe284f05 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsfe284f05 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsfe284f05 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsfe284f05 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-itemsfe284f05 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsfe284f05 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsfe284f05 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsfe284f05 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsfe284f05 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-f6a50d43 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-f6a50d43 .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-f6a50d43 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 b\u1ea3n t\u01b0\u1eddng tr\u00ecnh s\u1ef1 vi\u1ec7c c\u00f3 nh\u1ea5t qu\u00e1n v\u00e0 bao g\u1ed3m c\u00e1c t\u00ecnh ti\u1ebft quan tr\u1ecdng nh\u1ea5t hay kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-07b61e54 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-07b61e54 .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-07b61e54 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\">bi\u1ec3u m\u1eabu \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7 theo y\u00eau c\u1ea7u ch\u01b0a;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-18c72f65 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-18c72f65 .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-18c72f65 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\u1ea1n c\u00f3 \u0111\u00ednh k\u00e8m c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) ho\u1eb7c do c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-29d83076 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-29d83076 .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-29d83076 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\u1ea1n c\u00f3 l\u01b0u gi\u1eef b\u1ea3n sao \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 c\u00e1c t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m \u0111\u00e3 n\u1ed9p kh\u00f4ng?.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng<\/h2>\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-nnw-jest-potrzebne-tylko-dzieciom\">B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) ch\u1ec9 d\u00e0nh cho tr\u1ebb em th\u00f4i sao?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t cho ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh. T\u00ednh ph\u00f9 h\u1ee3p c\u1ee7a b\u1ea3o hi\u1ec3m n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u, c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y, ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 chi tr\u1ea3, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 d\u1ef1a v\u00e0o \u0111\u1ed9 tu\u1ed5i c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-po-kazdym-wypadku-otrzymam-swiadczenie\">Sau m\u1ed7i v\u1ee5 tai n\u1ea1n, t\u00f4i c\u00f3 \u0111\u01b0\u1ee3c nh\u1eadn tr\u1ee3 c\u1ea5p kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u \u0111\u00f3. S\u1ef1 ki\u1ec7n v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a n\u00f3 ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng, v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c xem x\u00e9t d\u1ef1a tr\u00ean \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) v\u00e0 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-wyzsza-suma-zawsze-oznacza-lepsza-polise\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t h\u01a1n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 th\u1ec3 l\u00e0m t\u0103ng m\u1ee9c chi tr\u1ea3 t\u1ed1i \u0111a, nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 s\u1ea3n ph\u1ea9m. C\u1ea7n ph\u1ea3i ki\u1ec3m tra \u0111\u1ed3ng th\u1eddi ph\u1ea1m vi b\u1ea3o hi\u1ec3m, b\u1ea3ng m\u1ee9c b\u1ed3i th\u01b0\u1eddng, c\u00e1c gi\u1edbi h\u1ea1n, c\u00e1c ph\u01b0\u01a1ng \u00e1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. <strong>Tr\u01b0\u1edbc khi mua, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i xem x\u00e9t to\u00e0n b\u1ed9 c\u01a1 ch\u1ebf chi tr\u1ea3.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nnw-zawsze-obejmuje-sport\">B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) c\u00f3 lu\u00f4n bao g\u1ed3m c\u00e1c ho\u1ea1t \u0111\u1ed9ng th\u1ec3 thao kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3, v\u00e0 m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p ho\u1eb7c m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m. H\u00e3y ki\u1ec3m tra c\u00e1c \u0111\u1ecbnh ngh\u0129a v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb li\u00ean quan \u0111\u1ebfn m\u00f4n th\u1ec3 thao m\u00e0 b\u1ea1n tham gia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-przygotowac-po-wypadku\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o sau khi x\u1ea3y ra tai n\u1ea1n?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c y\u00eau c\u1ea7u t\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m v\u00e0 s\u1ef1 c\u1ed1 c\u1ee5 th\u1ec3. H\u1ed3 s\u01a1 y t\u1ebf, b\u1ea3n t\u01b0\u1eddng tr\u00ecnh v\u1ec1 ho\u00e0n c\u1ea3nh, c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn tai n\u1ea1n v\u00e0 h\u00f3a \u0111\u01a1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u n\u1ebfu \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) ho\u1eb7c c\u00f4ng ty b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh nh\u01b0 v\u1eady. <strong>Sau khi x\u1ea3y ra tai n\u1ea1n, h\u00e3y l\u00e0m theo th\u1ee7 t\u1ee5c \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-istnieje-jedna-najlepsza-polisa-nnw\">C\u00f3 t\u1ed3n t\u1ea1i m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n t\u1ed1t nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 \u0111\u01b0a ra m\u1ed9t b\u1ea3ng x\u1ebfp h\u1ea1ng chung nh\u01b0 v\u1eady m\u00e0 kh\u00f4ng so s\u00e1nh c\u00e1c \u0111\u1ec1 xu\u1ea5t d\u00e0nh cho c\u00f9ng m\u1ed9t ng\u01b0\u1eddi v\u00e0 c\u00f9ng m\u1ed9t nhu c\u1ea7u. <strong>H\u00e3y c\u0103n c\u1ee9 v\u00e0o ph\u1ea1m vi, t\u1ed5ng s\u1ed1 v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ef1a tr\u00ean l\u1eddi h\u1ee9a v\u1ec1 s\u1ea3n ph\u1ea9m \u201et\u1ed1t nh\u1ea5t\u201d.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ph\u1ea7n h\u1ee3p l\u00fd trong k\u1ebf ho\u1ea1ch b\u1ea3o v\u1ec7 h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea1n, mi\u1ec5n l\u00e0 b\u1ea1n ch\u1ee7 \u0111\u1ed9ng l\u1ef1a ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 hi\u1ec3u r\u00f5 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c chi tr\u1ea3. Tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng, h\u00e3y so s\u00e1nh c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea1n v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 th\u1ee7 t\u1ee5c khai b\u00e1o t\u1ed5n th\u1ea5t. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a n\u00f3, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi hay m\u1ee9c ph\u00ed.<\/p>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m tai n\u1ea1n th\u01b0\u1eddng \u0111\u01b0\u1ee3c li\u00ean t\u01b0\u1edfng \u0111\u1ebfn b\u1ea3o hi\u1ec3m h\u1ecdc sinh ho\u1eb7c m\u1ed9t g\u00f3i b\u1ed5 sung cho lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c. Tuy nhi\u00ean, n\u00f3 c\u0169ng c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p d\u00e0nh cho ng\u01b0\u1eddi l\u1edbn mu\u1ed1n\u2026<\/p>","protected":false},"author":1,"featured_media":5552,"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":[111,109,79,110],"class_list":["post-5553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenia-na-zycie-i-nnw","tag-likwidacja-szkody","tag-nnw","tag-ubezpieczenie-na-zycie","tag-wybor-polisy"],"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>NNW co to jest i czy warto? 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