{"id":3725,"date":"2026-10-14T21:08:40","date_gmt":"2026-10-14T19:08:40","guid":{"rendered":"https:\/\/studentinsurance.pl\/?p=3725"},"modified":"2026-10-14T21:08:40","modified_gmt":"2026-10-14T19:08:40","slug":"giay-chung-nhan-hop-dong-bao-hiem-va-dieu-khoan-bao-hiem-su-khac-biet-giua-cac-tai-lieu-trong-bo-ho-so-cua-sinh-vien-la-gi","status":"publish","type":"post","link":"https:\/\/studentinsurance.pl\/vi\/poradnik\/formalnosci-i-dokumenty\/certyfikat-polisa-i-owu-czym-roznia-sie-dokumenty-w-komplecie-studenta\/","title":{"rendered":"Gi\u1ea5y ch\u1ee9ng nh\u1eadn, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU): S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c t\u00e0i li\u1ec7u trong b\u1ed9 h\u1ed3 s\u01a1 c\u1ee7a sinh vi\u00ean l\u00e0 g\u00ec?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Ng\u01b0\u1eddi ta th\u01b0\u1eddng d\u1ec5 d\u00e0ng coi c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m nh\u01b0 ba b\u1ea3n sao c\u1ee7a c\u00f9ng m\u1ed9t th\u00f4ng tin. \u0110\u00f3 l\u00e0 m\u1ed9t sai l\u1ea7m. Gi\u1ea5y ch\u1ee9ng nh\u1eadn, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung c\u00f3 th\u1ec3 tr\u00ecnh b\u00e0y c\u00e1c ph\u1ea7n kh\u00e1c nhau c\u1ee7a c\u00f9ng m\u1ed9t th\u1ecfa thu\u1eadn, v\u00e0 t\u00ean g\u1ecdi c\u1ee7a t\u00e0i li\u1ec7u ch\u01b0a h\u1eb3n \u0111\u00e3 ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 n\u1ed9i dung c\u1ee7a n\u00f3. Do \u0111\u00f3, tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng b\u1ed9 h\u1ed3 s\u01a1 d\u00e0nh cho sinh vi\u00ean, b\u1ea1n n\u00ean ki\u1ec3m tra kh\u00f4ng ch\u1ec9 th\u00f4ng tin c\u00e1 nh\u00e2n m\u00e0 c\u00f2n c\u1ea3 s\u1ed1 h\u1ee3p \u0111\u1ed3ng, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn c\u0169ng nh\u01b0 c\u00e1c ph\u1ea7n m\u00f4 t\u1ea3 m\u1ee9c b\u1ed3i th\u01b0\u1eddng, gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. <strong>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 s\u1ef1 \u0111\u1ed3ng b\u1ed9 c\u1ee7a to\u00e0n b\u1ed9 b\u1ed9 s\u1ea3n ph\u1ea9m<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t ti\u00eau \u0111\u1ec1 \u0111\u01a1n l\u1ebb hay m\u1ed9t t\u1ec7p PDF \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y \u0111\u1eb9p m\u1eaft. H\u00e3y ki\u1ec3m tra th\u00f4ng tin c\u00e1 nh\u00e2n, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c tham chi\u1ebfu \u0111\u1ebfn \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) trong t\u1eebng t\u00e0i li\u1ec7u; n\u1ebfu c\u00f3 b\u1ea5t k\u1ef3 s\u1ef1 kh\u00f4ng kh\u1edbp n\u00e0o, h\u00e3y l\u00e0m r\u00f5 tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng b\u1ed9 t\u00e0i li\u1ec7u n\u00e0y.<\/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<ol class=\"wp-block-list\">\n\n<li><a href=\"#trzy-dokumenty-trzy-pytania\">Ba t\u00e0i li\u1ec7u, ba c\u00e2u h\u1ecfi<\/a><\/li>\n\n\n<li><a href=\"#jak-sprawdzic-wspolne-pola\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng chung<\/a><\/li>\n\n\n<li><a href=\"#gdzie-szukac-zakresu-sum-i-ograniczen\">N\u01a1i t\u00ecm ki\u1ebfm ph\u1ea1m vi, t\u1ed5ng v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n<\/a><\/li>\n\n\n<li><a href=\"#jak-uporzadkowac-komplet-przed-zlozeniem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eafp x\u1ebfp b\u1ed9 s\u1ea3n ph\u1ea9m tr\u01b0\u1edbc khi l\u1eafp r\u00e1p<\/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-i-zakup-klc\">L\u1ea7n ki\u1ec3m tra cu\u1ed1i c\u00f9ng v\u00e0 vi\u1ec7c mua KLC<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"trzy-dokumenty-trzy-pytania\">Ba t\u00e0i li\u1ec7u, ba c\u00e2u h\u1ecfi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 b\u1eaft \u0111\u1ea7u b\u1eb1ng ba c\u00e2u h\u1ecfi \u0111\u01a1n gi\u1ea3n: nh\u1eefng n\u1ed9i dung n\u00e0o \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh d\u00e0nh cho c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3 v\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u00f3, c\u00e1c quy t\u1eafc b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c n\u00eau r\u00f5 \u1edf \u0111\u00e2u, v\u00e0 li\u1ec7u ch\u1ee9ng ch\u1ec9 b\u1ed5 sung c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng th\u00f4ng tin n\u00e0y hay kh\u00f4ng.<\/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>Kh\u00f4ng n\u00ean g\u00e1n vai tr\u00f2 c\u1ed1 \u0111\u1ecbnh cho ch\u1ee9ng ch\u1ec9<\/strong> ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean c\u1ee7a n\u00f3.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng m\u1ecdi ch\u1ee9ng ch\u1ec9 \u0111\u1ec1u c\u00f3 c\u00e1c tr\u01b0\u1eddng th\u00f4ng tin gi\u1ed1ng h\u1ec7t nhau, c\u00f9ng m\u1ed9t ch\u1ee9c n\u0103ng ho\u1eb7c c\u00f3 th\u1ec3 t\u1ef1 n\u00f3 thay th\u1ebf c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"certyfikat-sprawdz-tresc-nie-nazwe\">Ch\u1ee9ng ch\u1ec9: h\u00e3y ki\u1ec3m tra n\u1ed9i dung, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u00ean g\u1ecdi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ed9 h\u1ed3 s\u01a1 c\u00f3 k\u00e8m theo gi\u1ea5y ch\u1ee9ng nh\u1eadn, h\u00e3y so s\u00e1nh c\u00e1c th\u00f4ng tin tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). H\u00e3y l\u01b0u \u00fd xem li\u1ec7u c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng m\u1ed1i li\u00ean h\u1ec7 gi\u1eefa t\u00e0i li\u1ec7u \u0111\u00f3 v\u1edbi \u0111\u00fang ng\u01b0\u1eddi v\u00e0 h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng. N\u1ebfu thi\u1ebfu s\u1ed1, ng\u00e0y th\u00e1ng ho\u1eb7c b\u1ea5t k\u1ef3 th\u00f4ng tin n\u00e0o kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed1i li\u00ean h\u1ec7 \u0111\u00f3, xin \u0111\u1eebng t\u1ef1 \u00fd \u0111i\u1ec1n th\u00eam th\u00f4ng tin c\u00f2n thi\u1ebfu. <strong>M\u1ecdi \u0111i\u1ec3m kh\u00f4ng th\u1ed1ng nh\u1ea5t c\u1ea7n \u0111\u01b0\u1ee3c l\u00e0m r\u00f5 tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng t\u00e0i li\u1ec7u n\u00e0y<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean coi ch\u1ee9ng ch\u1ec9 n\u00e0y nh\u01b0 m\u1ed9t c\u00e1ch t\u1eaft \u0111\u1ec3 mi\u1ec5n vi\u1ec7c \u0111\u1ecdc c\u00e1c t\u00e0i li\u1ec7u c\u00f2n l\u1ea1i. Gi\u1ea5y ch\u1ee9ng nh\u1eadn n\u00e0y c\u00f3 th\u1ec3 h\u1eefu \u00edch trong b\u1ed9 t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3, nh\u01b0ng n\u1ed9i dung th\u1ef1c t\u1ebf c\u1ee7a n\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 c\u00f9ng v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng khi sinh vi\u00ean s\u1eed d\u1ee5ng nhi\u1ec1u c\u00e1ch vi\u1ebft kh\u00e1c nhau cho t\u00ean ho\u1eb7c h\u1ecd c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"polisa-dane-konkretnej-umowy\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m: th\u00f4ng tin chi ti\u1ebft v\u1ec1 h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y t\u00ecm c\u00e1c th\u00f4ng tin nh\u1eadn d\u1ea1ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft: s\u1ed1 h\u1ee3p \u0111\u1ed3ng, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 ph\u01b0\u01a1ng \u00e1n ho\u1eb7c ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c n\u00eau r\u00f5 (n\u1ebfu c\u00f3). S\u1ebd r\u1ea5t h\u1eefu \u00edch n\u1ebfu tham kh\u1ea3o m\u1ed9t c\u1ea9m nang ri\u00eang v\u1ec1 <a href=\"https:\/\/studentinsurance.pl\/vi\/huong-dan\/thu-tuc-va-giay-to\/ten-va-ho-tren-hop-dong-bao-hiem-va-ho-chieu-lam-the-nao-de-tranh-su-khac-biet-trong-cach-ghi\/\">s\u1ef1 kh\u1edbp nhau gi\u1eefa h\u1ecd v\u00e0 t\u00ean tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi th\u00f4ng tin trong h\u1ed9 chi\u1ebfu<\/a>. <strong>C\u1ea7n \u0111\u1ed1i chi\u1ebfu d\u1eef li\u1ec7u c\u00e1 nh\u00e2n t\u1eebng k\u00fd t\u1ef1 m\u1ed9t<\/strong>, bao g\u1ed3m th\u1ee9 t\u1ef1 t\u00ean, d\u1ea5u g\u1ea1ch n\u1ed1i, kho\u1ea3ng tr\u1eafng v\u00e0 c\u00e1ch phi\u00ean \u00e2m (n\u1ebfu c\u00f3).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"owu-reguly-ktorych-nie-widac-w-skrocie\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung (OWU): nh\u1eefng quy \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c n\u00eau trong b\u1ea3n t\u00f3m t\u1eaft<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) m\u00f4 t\u1ea3 c\u00e1c nguy\u00ean t\u1eafc \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ea7n \u0111\u01b0\u1ee3c hi\u1ec3u trong b\u1ed1i c\u1ea3nh c\u1ee7a s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a TUZ n\u0103m 2026 h\u01b0\u1edbng d\u1eabn ng\u01b0\u1eddi \u0111\u1ecdc \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u ki\u1ec7n chi tr\u1ea3, c\u0169ng nh\u01b0 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. <strong>Ch\u1ec9 ri\u00eang vi\u1ec7c li\u1ec7t k\u00ea c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u1eabn ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n<\/strong> \u2014 ch\u1ec9 \u0111\u01a1n thu\u1ea7n ch\u1ec9 ra n\u01a1i c\u1ea7n t\u00ecm c\u00e2u tr\u1ea3 l\u1eddi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-sprawdzic-wspolne-pola\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng chung<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u vi\u1ec7c ki\u1ec3m tra t\u1eeb nh\u1eefng d\u1eef li\u1ec7u gi\u00fap x\u00e1c \u0111\u1ecbnh xem t\u1ea5t c\u1ea3 c\u00e1c t\u1ec7p tin c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00f9ng m\u1ed9t ng\u01b0\u1eddi v\u00e0 c\u00f9ng m\u1ed9t h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng. Trong qu\u00e1 tr\u00ecnh n\u00e0y, kh\u00f4ng c\u1ea7n thi\u1ebft ph\u1ea3i l\u1eadp m\u1ed9t danh s\u00e1ch chung cho t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <strong>H\u00e3y ki\u1ec3m tra c\u00e1c m\u1eb7t h\u00e0ng th\u1ef1c s\u1ef1 c\u00f3 trong b\u1ed9 s\u1ea3n ph\u1ea9m \u0111\u00e3 nh\u1eadn<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tozsamosc-i-zapis-danych\">B\u1ea3n s\u1eafc v\u00e0 vi\u1ec7c l\u01b0u tr\u1eef d\u1eef li\u1ec7u<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y so s\u00e1nh t\u00ean, h\u1ecd v\u00e0 c\u00e1c th\u00f4ng tin nh\u1eadn d\u1ea1ng kh\u00e1c \u0111\u01b0\u1ee3c ghi trong c\u00e1c gi\u1ea5y t\u1edd. N\u1ebfu sinh vi\u00ean c\u00f3 t\u00ean \u0111\u1ec7m ho\u1eb7c hai h\u1ecd, h\u01b0\u1edbng d\u1eabn sau \u0111\u00e2y s\u1ebd h\u1eefu \u00edch <a href=\"https:\/\/studentinsurance.pl\/vi\/huong-dan\/thu-tuc-va-giay-to\/ten-dem-va-hai-ho-trong-giay-to-bao-hiem-nhung-dieu-can-so-sanh-truoc-khi-nop-ho-so\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 so s\u00e1nh n\u1ed9i dung ghi ch\u00e9p trong c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m<\/a>. \u0110\u1eebng v\u1ed9i k\u1ebft lu\u1eadn r\u1eb1ng s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u00f3 ch\u1ec9 mang t\u00ednh h\u00ecnh th\u1ee9c. <strong>M\u1ed7i c\u00e1ch ghi kh\u00e1c nhau \u0111\u1ec1u ph\u1ea3i ch\u1ec9 \u0111\u1ebfn c\u00f9ng m\u1ed9t ng\u01b0\u1eddi<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"numer-polisy-i-powiazanie-dokumentow\">S\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 m\u1ed1i li\u00ean h\u1ec7 gi\u1eefa c\u00e1c t\u00e0i li\u1ec7u<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu s\u1ed1 h\u1ee3p \u0111\u1ed3ng xu\u1ea5t hi\u1ec7n trong nhi\u1ec1u h\u01a1n m\u1ed9t t\u1ec7p tin, s\u1ed1 \u0111\u00f3 ph\u1ea3i gi\u1ed1ng h\u1ec7t nhau. S\u1ed1 n\u00e0y c\u0169ng c\u00f3 \u00fd ngh\u0129a thi\u1ebft th\u1ef1c trong t\u01b0\u01a1ng lai: t\u00e0i li\u1ec7u c\u1ee7a Uniqa n\u0103m 2020 ch\u1ec9 ra r\u1eb1ng \u0111\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng th\u00f4ng tin quan tr\u1ecdng c\u1ea7n cung c\u1ea5p khi li\u00ean h\u1ec7 v\u1edbi Trung t\u00e2m C\u1ea5p c\u1ee9u, b\u00ean c\u1ea1nh h\u1ecd t\u00ean c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean l\u1ea1c. B\u1ea1n n\u00ean l\u01b0u gi\u1eef s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u1edf m\u1ed9t n\u01a1i d\u1ec5 t\u00ecm.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"okres-ochrony\">Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9<\/h3>\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 \u1edf m\u1ecdi n\u01a1i m\u00e0 c\u00e1c th\u00f4ng tin n\u00e0y \u0111\u01b0\u1ee3c n\u00eau ra. \u0110\u1eebng \u0111\u00e1nh gi\u00e1 th\u1eddi h\u1ea1n ch\u1ec9 d\u1ef1a tr\u00ean ng\u00e0y c\u1ea5p t\u00e0i li\u1ec7u. Khi kh\u00f4ng bi\u1ebft ng\u00e0y k\u1ebft th\u00fac th\u1ee7 t\u1ee5c, h\u00e3y \u0111\u1ecdc th\u00eam <a href=\"https:\/\/studentinsurance.pl\/vi\/huong-dan\/the-cu-tru\/lam-the-nao-de-chon-thoi-han-hop-dong-bao-hiem-khi-ban-chua-biet-ngay-ra-quyet-dinh-ve-the-cu-tru\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng khi ch\u01b0a bi\u1ebft ng\u00e0y ra quy\u1ebft \u0111\u1ecbnh<\/a>. Ng\u00e0y c\u1ea5p v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9 l\u00e0 hai th\u00f4ng tin kh\u00e1c nhau.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"gdzie-szukac-zakresu-sum-i-ograniczen\">N\u01a1i t\u00ecm ki\u1ebfm ph\u1ea1m vi, t\u1ed5ng v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed9 t\u00e0i li\u1ec7u ch\u1ec9 \u0111\u01b0\u1ee3c coi l\u00e0 nh\u1ea5t qu\u00e1n khi th\u00f4ng tin trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c hi\u1ec3u c\u00f9ng v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). Kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n c\u00e1c th\u00f4ng s\u1ed1 t\u1eeb s\u1ea3n ph\u1ea9m, phi\u00ean b\u1ea3n ho\u1eb7c n\u0103m ph\u00e1t h\u00e0nh kh\u00e1c c\u1ee7a t\u00e0i li\u1ec7u. <strong>Ph\u1ea1m vi ph\u1ea3i \u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi m\u1ed9t h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"wybrany-zakres-nie-zawsze-jest-automatyczny\">Ph\u1ea1m vi \u0111\u00e3 ch\u1ecdn kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh t\u1ef1 \u0111\u1ed9ng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong t\u00e0i li\u1ec7u \u201cCompensa Cudzoziemiec\u201d n\u0103m 2026, \u0111i\u1ec1u kho\u1ea3n v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan c\u00f9ng v\u1edbi d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng khi ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0y \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn r\u00f5 r\u00e0ng. M\u00f4 t\u1ea3 v\u1ec1 \u0111i\u1ec1u kho\u1ea3n n\u00e0y bao g\u1ed3m c\u00e1c chi ph\u00ed y t\u1ebf c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111i\u1ec1u tr\u1ecb b\u1ec7nh t\u1eadt ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. <strong>C\u1ea7n x\u00e1c nh\u1eadn s\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a \u0111i\u1ec1u kho\u1ea3n n\u00e0y<\/strong>, ch\u1ee9 kh\u00f4ng n\u00ean suy \u0111o\u00e1n ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 m\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh cho th\u1ea5y t\u1ea1i sao c\u1ea7n ph\u1ea3i \u0111\u1ecdc \u0111\u1ed3ng th\u1eddi c\u1ea3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). M\u1ed9t t\u00e0i li\u1ec7u c\u00f3 th\u1ec3 n\u00eau r\u00f5 l\u1ef1a ch\u1ecdn \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n cho h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3, trong khi t\u00e0i li\u1ec7u kia m\u00f4 t\u1ea3 c\u00e1c quy t\u1eafc \u00e1p d\u1ee5ng cho l\u1ef1a ch\u1ecdn \u0111\u00f3. \u0110\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin chi ti\u1ebft, vui l\u00f2ng truy c\u1eadp trang v\u1ec1 <a href=\"https:\/\/studentinsurance.pl\/vi\/bao-hiem-chi-phi-dieu-tri\/\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho sinh vi\u00ean v\u00e0 h\u1ecdc sinh n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sumy-i-podlimity\">T\u1ed5ng v\u00e0 h\u1ea1n m\u1ee9c ph\u1ee5<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong t\u00e0i li\u1ec7u c\u1ee7a Uniqa n\u0103m 2020, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, h\u1ea1n m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c h\u1ea1n m\u1ee9c ph\u1ee5 \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 trong b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung. \u0110i\u1ec1u kho\u1ea3n n\u00e0y c\u0169ng quy \u0111\u1ecbnh r\u1eb1ng c\u00e1c kho\u1ea3n chi tr\u1ea3 s\u1ebd l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng ho\u1eb7c h\u1ea1n m\u1ee9c ph\u1ee5. T\u1eeb \u0111\u00f3 kh\u00f4ng th\u1ec3 suy ra b\u1ea5t k\u1ef3 s\u1ed1 ti\u1ec1n hi\u1ec7n h\u00e0nh n\u00e0o cho s\u1ea3n ph\u1ea9m kh\u00e1c. Tuy nhi\u00ean, t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 r\u00fat ra m\u1ed9t nguy\u00ean t\u1eafc th\u1ef1c ti\u1ec5n v\u1ec1 ki\u1ec3m so\u00e1t: <strong>c\u00e1c gi\u00e1 tr\u1ecb c\u1ea7n \u0111\u01b0\u1ee3c tra c\u1ee9u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) t\u01b0\u01a1ng \u1ee9ng<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ograniczenia-i-wylaczenia\">C\u00e1c h\u1ea1n ch\u1ebf v\u00e0 tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 t\u00ecm th\u1ea5y ph\u1ea7n m\u00f4 t\u1ea3 v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 ch\u01b0a \u0111\u1ee7 \u2013 c\u00f2n c\u1ea7n ph\u1ea3i ph\u00e2n t\u00edch c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00eau r\u00f5 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. <strong>M\u00f4 t\u1ea3 d\u1ecbch v\u1ee5 kh\u00f4ng k\u00e8m theo c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u1ec1 tr\u00e1ch nhi\u1ec7m l\u00e0 ch\u01b0a \u0111\u1ea7y \u0111\u1ee7<\/strong>. Kh\u00f4ng th\u1ec3 h\u1ee9a h\u1eb9n vi\u1ec7c thanh to\u00e1n ch\u1ec9 d\u1ef1a tr\u00ean vi\u1ec7c t\u00ean c\u1ee7a s\u1ef1 ki\u1ec7n \u0111\u00f3 xu\u1ea5t hi\u1ec7n trong t\u00e0i li\u1ec7u \u2013 \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u1ea7y \u0111\u1ee7 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-uporzadkowac-komplet-przed-zlozeniem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eafp x\u1ebfp b\u1ed9 s\u1ea3n ph\u1ea9m tr\u01b0\u1edbc khi l\u1eafp r\u00e1p<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y l\u01b0u l\u1ea1i m\u1ed9t b\u1ea3n c\u1eadp nh\u1eadt m\u1edbi nh\u1ea5t c\u1ee7a t\u1eebng t\u00e0i li\u1ec7u nh\u1eadn \u0111\u01b0\u1ee3c. \u0110\u1eb7t t\u00ean cho c\u00e1c t\u1ec7p sao cho c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng nh\u1eadn di\u1ec7n \u0111\u01b0\u1ee3c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 lo\u1ea1i t\u00e0i li\u1ec7u, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i n\u1ed9i dung c\u1ee7a ch\u00fang. H\u00e3y x\u00f3a c\u00e1c b\u1ea3n sao c\u0169 kh\u1ecfi th\u01b0 m\u1ee5c l\u00e0m vi\u1ec7c n\u1ebfu c\u00f3 nguy c\u01a1 ch\u00fang b\u1ecb \u0111\u00ednh k\u00e8m nh\u1ea7m l\u1eabn. Ch\u1ec9 s\u1eed d\u1ee5ng m\u1ed9t b\u1ed9 t\u00e0i li\u1ec7u m\u1edbi nh\u1ea5t duy nh\u1ea5t \u0111\u1ec3 ti\u1ebfn h\u00e0nh x\u00e1c minh ti\u1ebfp theo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y th\u1ef1c hi\u1ec7n m\u1ed9t cu\u1ed9c ki\u1ec3m tra nhanh theo th\u1ee9 t\u1ef1 sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsd58ac591-checklist-documents:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsd58ac591-checklist-documents 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-itemsd58ac591-checklist-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsd58ac591-checklist-documents .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsd58ac591-checklist-documents ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsd58ac591-checklist-documents 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-itemsd58ac591-checklist-documents ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsd58ac591-checklist-documents .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsd58ac591-checklist-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsd58ac591-checklist-documents .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-d58ac591-checklist-documents 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-d58ac591-documents-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-d58ac591-documents-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-d58ac591-documents-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\"><strong>Ng\u01b0\u1eddi:<\/strong> H\u00e3y \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin trong h\u1ed3 s\u01a1 v\u1edbi gi\u1ea5y t\u1edd t\u00f9y th\u00e2n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-d58ac591-documents-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-d58ac591-documents-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-d58ac591-documents-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\"><strong>H\u1ee3p \u0111\u1ed3ng:<\/strong> H\u00e3y ki\u1ec3m tra s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u1edf t\u1ea5t c\u1ea3 c\u00e1c n\u01a1i m\u00e0 s\u1ed1 n\u00e0y xu\u1ea5t hi\u1ec7n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-d58ac591-documents-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-d58ac591-documents-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-d58ac591-documents-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\"><strong>Th\u1eddi gian:<\/strong> b\u1ed9 ng\u00e0y th\u00e1ng b\u1ea3o h\u1ed9, kh\u00f4ng ch\u1ec9 l\u00e0 ng\u00e0y th\u00e1ng t\u1ea1o ra c\u00e1c t\u1ec7p tin.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-d58ac591-documents-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-d58ac591-documents-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-d58ac591-documents-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\"><strong>Ph\u1ea1m vi:<\/strong> T\u00ecm th\u00f4ng tin v\u1ec1 ph\u01b0\u01a1ng \u00e1n ho\u1eb7c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-d58ac591-documents-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-d58ac591-documents-5 .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-d58ac591-documents-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Th\u00f4ng s\u1ed1 k\u1ef9 thu\u1eadt:<\/strong> Xin vui l\u00f2ng tra c\u1ee9u c\u00e1c kho\u1ea3n t\u1ed5ng v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n t\u1eeb c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng n\u00e0y.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-d58ac591-documents-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-d58ac591-documents-6 .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-d58ac591-documents-6 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>\u0110i\u1ec1u ki\u1ec7n:<\/strong> xem c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ed9 h\u1ed3 s\u01a1 li\u00ean quan \u0111\u1ebfn vi\u1ec7c l\u01b0u tr\u00fa v\u00ec m\u1ee5c \u0111\u00edch h\u1ecdc t\u1eadp, t\u00e0i li\u1ec7u v\u1ec1 <a href=\"https:\/\/studentinsurance.pl\/vi\/bao-hiem-sinh-vien\/\">b\u1ea3o hi\u1ec3m cho sinh vi\u00ean n\u01b0\u1edbc ngo\u00e0i<\/a> s\u1ebd gi\u00fap l\u00e0m r\u00f5 b\u1ed1i c\u1ea3nh c\u1ee7a s\u1ea3n ph\u1ea9m. \u0110\u1ed1i v\u1edbi th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c, \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u c\u00f3 th\u1ec3 l\u00e0 trang web v\u1ec1 <a href=\"https:\/\/studentinsurance.pl\/vi\/bao-hiem-cho-thi-thuc-du-hoc\/\">b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c du h\u1ecdc<\/a>. Tuy nhi\u00ean, nh\u1eefng trang web n\u00e0y kh\u00f4ng th\u1ec3 thay th\u1ebf cho vi\u1ec7c t\u1ef1 ki\u1ec3m tra c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a ch\u00ednh m\u00ecnh. C\u01a1 s\u1edf cu\u1ed1i c\u00f9ng \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng ch\u00ednh l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u0169ng n\u00ean l\u01b0u gi\u1eef \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00e0i li\u1ec7u ph\u00f2ng tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1. Theo t\u00e0i li\u1ec7u c\u1ee7a Uniqa n\u0103m 2020, h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn c\u00e1c r\u1ee7i ro \u0111\u01b0\u1ee3c n\u00eau trong \u0111\u00f3 c\u1ea7n bao g\u1ed3m s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 t\u00ecnh hu\u1ed1ng, 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\u00f9ng c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed li\u00ean quan. Ph\u1ea1m vi h\u1ed3 s\u01a1 c\u1ea7n thi\u1ebft khi n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng, do \u0111\u00f3 <strong>lu\u00f4n ki\u1ec3m tra \u0111i\u1ec1u kho\u1ea3n n\u00e0y trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n<\/strong>.<\/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<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-certyfikat-zastepuje-polise-i-owu\">Gi\u1ea5y ch\u1ee9ng nh\u1eadn c\u00f3 thay th\u1ebf cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m chung kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc \u0111\u00f3 cho m\u1ecdi g\u00f3i b\u1ea3o hi\u1ec3m. H\u00e3y ki\u1ec3m tra xem ch\u1ee9ng ch\u1ec9 th\u1ef1c s\u1ef1 bao g\u1ed3m nh\u1eefng g\u00ec, v\u00e0 so s\u00e1nh n\u00f3 v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). <strong>\u0110\u1eebng \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 b\u1ea3o m\u1eadt ch\u1ec9 d\u1ef1a tr\u00ean ch\u1ee9ng ch\u1ec9<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazdy-urzad-wymaga-tych-samych-dokumentow\">C\u00f3 ph\u1ea3i m\u1ecdi c\u01a1 quan h\u00e0nh ch\u00ednh \u0111\u1ec1u y\u00eau c\u1ea7u nh\u1eefng gi\u1ea5y t\u1edd gi\u1ed1ng nhau kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean l\u1eadp m\u1ed9t danh s\u00e1ch chung cho t\u1ea5t c\u1ea3 c\u00e1c th\u1ee7 t\u1ee5c. Ph\u1ea1m vi c\u00e1c t\u00e0i li\u1ec7u k\u00e8m theo c\u1ea7n thi\u1ebft ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh ri\u00eang cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, v\u00e0 b\u1ed9 h\u1ed3 s\u01a1 b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c ki\u1ec3m tra v\u1ec1 t\u00ednh nh\u1ea5t qu\u00e1n n\u1ed9i t\u1ea1i. Vi\u1ec7c ch\u1ec9 \u0111\u01a1n thu\u1ea7n s\u1edf h\u1eefu c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea kh\u00f4ng \u0111\u1ea3m b\u1ea3o k\u1ebft qu\u1ea3 thu\u1eadn l\u1ee3i c\u1ee7a th\u1ee7 t\u1ee5c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-gdy-imie-lub-nazwisko-zapisano-inaczej\">Ph\u1ea3i l\u00e0m g\u00ec n\u1ebfu t\u00ean ho\u1eb7c h\u1ecd \u0111\u01b0\u1ee3c ghi sai?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y so s\u00e1nh t\u1eebng k\u00fd t\u1ef1 v\u1edbi gi\u1ea5y t\u1edd t\u00f9y th\u00e2n c\u0169ng nh\u01b0 v\u1edbi c\u00e1c t\u1ec7p tin c\u00f2n l\u1ea1i. \u0110\u1ed1i v\u1edbi c\u00e1c d\u1eef li\u1ec7u ph\u1ee9c t\u1ea1p h\u01a1n, h\u00e3y tham kh\u1ea3o h\u01b0\u1edbng d\u1eabn sau: <a href=\"https:\/\/studentinsurance.pl\/vi\/huong-dan\/thu-tuc-va-giay-to\/ten-dem-va-hai-ho-trong-giay-to-bao-hiem-nhung-dieu-can-so-sanh-truoc-khi-nop-ho-so\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 so s\u00e1nh t\u00ean \u0111\u1ec7m v\u00e0 hai h\u1ecd trong c\u00e1c gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m<\/a>. <strong>\u0110\u1eebng g\u1eedi b\u1ed9 h\u1ed3 s\u01a1 n\u1ebfu c\u00f3 nh\u1eefng \u0111i\u1ec3m kh\u00f4ng kh\u1edbp nhau ch\u01b0a \u0111\u01b0\u1ee3c l\u00e0m r\u00f5<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"gdzie-sprawdzic-sume-ubezpieczenia-i-podlimity\">T\u00f4i c\u00f3 th\u1ec3 tra c\u1ee9u s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 \u1edf \u0111\u00e2u?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3ng chi ti\u1ebft c\u1ee7a ph\u01b0\u01a1ng \u00e1n ph\u00f9 h\u1ee3p trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), n\u1ebfu c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00f3 tr\u00ecnh b\u00e0y theo c\u00e1ch n\u00e0y. Kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n c\u00e1c kho\u1ea3n ti\u1ec1n t\u1eeb phi\u00ean b\u1ea3n c\u0169 c\u1ee7a t\u00e0i li\u1ec7u, t\u1eeb ph\u01b0\u01a1ng \u00e1n kh\u00e1c ho\u1eb7c t\u1eeb t\u00e0i li\u1ec7u c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nazwa-produktu-wystarcza-do-potwierdzenia-zakresu\">Ch\u1ec9 c\u1ea7n t\u00ean s\u1ea3n ph\u1ea9m l\u00e0 \u0111\u1ee7 \u0111\u1ec3 x\u00e1c nh\u1eadn ph\u1ea1m vi \u00e1p d\u1ee5ng ch\u01b0a?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u1ea1m vi c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng. <strong>H\u00e3y ki\u1ec3m tra x\u00e1c nh\u1eadn v\u1ec1 ph\u01b0\u01a1ng \u00e1n ho\u1eb7c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn<\/strong> v\u00e0 ch\u1ec9 sau \u0111\u00f3, b\u1ea1n m\u1edbi n\u00ean t\u00ecm hi\u1ec3u c\u00e1c quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-warto-miec-pod-reka-w-razie-zdarzenia\">N\u00ean chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec s\u1eb5n s\u00e0ng trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc h\u1ebft l\u00e0 c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft theo th\u1ee7 t\u1ee5c \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). Theo t\u00e0i li\u1ec7u c\u1ee7a Uniqa \u0111\u00e3 \u0111\u1ec1 c\u1eadp, khi li\u00ean h\u1ec7 v\u1edbi Trung t\u00e2m C\u1ea5p c\u1ee9u, c\u00e1c th\u00f4ng tin n\u00e0y bao g\u1ed3m: s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd v\u00e0 t\u00ean c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00f9ng s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean l\u1ea1c. B\u1ed9 quy \u0111\u1ecbnh ri\u00eang c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 quy \u0111\u1ecbnh c\u00e1c th\u1ee7 t\u1ee5c kh\u00e1c ho\u1eb7c b\u1ed5 sung, v\u00ec v\u1eady h\u00e3y lu\u00f4n ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u kho\u1ea3n hi\u1ec7n h\u00e0nh c\u1ee7a n\u00f3.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ostatnia-kontrola-i-zakup-klc\">L\u1ea7n ki\u1ec3m tra cu\u1ed1i c\u00f9ng v\u00e0 vi\u1ec7c mua KLC<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi \u0111\u00f3ng h\u1ed3 s\u01a1, h\u00e3y ki\u1ec3m tra l\u1ea1i m\u1ed9t l\u1ea7n n\u1eefa t\u1eeb th\u00f4ng tin c\u00e1 nh\u00e2n, qua s\u1ed1 h\u1ee3p \u0111\u1ed3ng v\u00e0 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, c\u00e1c m\u1ee9c b\u1ed3i th\u01b0\u1eddng, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n h\u1ea1n ch\u1ebf t\u01b0\u01a1ng \u1ee9ng. N\u1ebfu c\u00f3 b\u1ea5t k\u1ef3 y\u1ebfu t\u1ed1 n\u00e0o kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a h\u1ed3 s\u01a1, h\u00e3y l\u00e0m r\u00f5 tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng c\u00e1c t\u00e0i li\u1ec7u n\u00e0y. <strong>M\u1ed9t b\u1ed9 d\u1eef li\u1ec7u nh\u1ea5t qu\u00e1n n\u00ean m\u00f4 t\u1ea3 m\u1ed9t ng\u01b0\u1eddi v\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng<\/strong> \u2014 kh\u00f4ng n\u00ean nh\u1ea7m l\u1eabn gi\u1eefa c\u00e1c phi\u00ean b\u1ea3n, c\u00e1c bi\u1ebfn th\u1ec3 v\u00e0 c\u00e1c ng\u00e0y th\u00e1ng.<\/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:\/\/studentinsurance.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">MUA B\u1ea2O HI\u1ec2M KLC TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ng\u01b0\u1eddi ta th\u01b0\u1eddng d\u1ec5 d\u00e0ng coi c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m nh\u01b0 ba b\u1ea3n sao c\u1ee7a c\u00f9ng m\u1ed9t th\u00f4ng tin. \u0110\u00f3 l\u00e0 m\u1ed9t sai l\u1ea7m. Gi\u1ea5y ch\u1ee9ng nh\u1eadn, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung c\u00f3 th\u1ec3 n\u00eau ra nh\u1eefng n\u1ed9i dung kh\u00e1c nhau\u2026<\/p>","protected":false},"author":1,"featured_media":3724,"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":[16],"tags":[49,50,51,52],"class_list":["post-3725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-formalnosci-i-dokumenty","tag-certyfikat-polisy-a-owu-dla-studenta","tag-komplet-dokumentow-ubezpieczenia-klc","tag-potwierdzenie-ochrony-cudzoziemca","tag-zalaczniki-do-polisy-studenckiej"],"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>Certyfikat, polisa i OWU: r\u00f3\u017cnice w dokumentach studenta<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, czym r\u00f3\u017cni\u0105 si\u0119 certyfikat, polisa i OWU. 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