Getting a Life and Health Insurance in Cambodia

This blog post is about everything you need to know about getting a life insurance in Cambodia. Unlike 5 years ago, you can now have more competitive choices for your life and health insurance coverage for both expats and Cambodians. After weeks of my comprehensive research, here’s the list of the insurance providers operating (with a variety of offerings) in Cambodia. According to the Insurance Association of Cambodia, there are 27 member companies, 11 of them are licensed general insurers, 7 life insurers, 8 micro insurances and 1 reinsurer operating in Cambodia. In this blog post, you’ll be able to learn and compare the life insurance for expats in Cambodia.

Life insurance is something to most Cambodians. However, the adoption of among young Cambodian middle class means that most insurance companies (local and international) will have to offer competitive offerings and services. For instance, Dai-ichi Life Holdings will be the first Japanese company to enter this competitive market after its success in Vietnam (acquired by Bao Minh CMG Life Insurance) and Thailand.

Hong Kong’s AIA Cambodia is now one of the first life insurance companies that provides critical illness to Cambodian clients.

Life and Health Insurance in Cambodia: Providers & Benefits

International insurance companies, with their Phnom Penh-based offices, usually offer:

  • Accident Protection
  • Critical Illness
  • Plan Savings
  • Life Protection

Insurance Companies for Cambodia:

started since 2013, the American Fortune Global 500 and Fortune 500 company offers tailored life insurance products to the Cambodian middle class clients.

  • Cambodia Life Insurance (State-owned)
  • Manulife Cambodia (Canadian firm)
  • CAMINCO (non-life insurance)
  • Infinity General Insurance
  • Forte Insurance
  • Smart Life Insurance (BIMA Cambodia)
  • Sovannaphum Life Assurance
  • Dai-ichi Life (Japanese company)
  • AG CAMBODIA (insurance broker)

Good to Know

Cambodia started to have product offerings of life insurance in 2012. The best way to decide which insurance company to go for is by selecting several choices based on your preferable criteria. However, it’s also important to insurance company history, track of records, and reputation.


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