SAFETYNET Cambodia Health Insurance: 9th Anniversary !

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On 9th June 2015 was the first day SAFETYNET Insurance Services was established in Singapore. SAFETYNET was founded on the belief that we can develop an innovative health insurance plan that better addresses the needs of Southeast Asian countries. – How can we develop a health insurance system that provides effective support for families and […]

SAFETYNET is the 1st Health Insurance Provider to partner with “Techo Santepheap National Hospital”

Safetynet Partners With Techo Santepheap National Hospital June 05 2024 (2)

On 5 June 2024, SAFETYNET is thrilled to announce its collaboration with the “Techo Santepheap National Hospital,” a recently established cutting-edge medical facility capable of serving 10,000 patients. Health Insurance hand-in-hand with Cambodia’s leading public hospital This partnership cements SAFETYNET’s position as Cambodia’s premier health insurance provider, dedicated to easing the financial burden of medical […]

SAFETYNET Team Cambodia Refreshed for 2024 !!!

Safetynet Medical Insurance Team 2024

Last month, the SAFETYNET team refreshed themselves with a delightful stay in Sihanoukville  (Ream Beach) after a busy 2023! On Saturday morning, they set off on a bus journey via the superhighway to Kampong Som, appreciating Cambodia’s impressive infrastructure that enables fast and safe travel (new highway). Team bonding occurred naturally, without any planned activities […]

Cambodia’s Health Medical Insurance

Cambodia Medical Insurance Overview 2016 Till 2023

A snapshot of the gross premiums in Health Insurance (General Insurance) in Cambodia from 2016 to 2023 reveals continuous strong double-digit growth (data from IRC and IAC). It almost tripled in value during that period to reach more than $31 Mio. Unfortunately, the aftermath of the COVID-19 pandemic, along with recent complexities in the environment, […]

Do you want to buy Health Insurance in Cambodia ?

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Individual (1 person) or a Family?Family health insurance products are often more attractive than for a single person.Premiums are correlated to age and many Insurance plans do not accept more than 65 years old.Think about adding the elderly which you may have to take care of, before it is too late.If you are looking for […]


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In exchange for a premium (annual fee), the insurer will pay for expenses; the coverage can be more or less comprehensive but here are some basics of the differences. Accident Insurance Personal Accident insurance (often already included in Health Insurance plans, such as for SAFETYNET) is an annual policy which provides compensation in the event […]

Cambodia HR medical claims

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SAFETYNET online capabilities allow HR department to easily submit claims online. We hear that some firms/ institutions prefer their employees to claim directly the Health expenses while others delegate it to the HR/ Administration departments, or a right to choose. Our constant goal is to build a solid system which also assure full confidentiality thanks […]

Cambodian companies select SAFETYNET

SAFETYNET Insurance Services (Cambodia), Co. Ltd. remains in 2023, the undisputed leader in Health Insurance plans for Companies, Families and Individuals in the Kingdom. Setting up a successful and sustainable Health Insurance in Cambodia required more than having the right products: 1- International Expertise from the Management team Our Management team is composed of highly […]

Corporate Employee Benefits in Cambodia

In year-end, Cambodian Leadership teams have to go through the bid for employee benefits, especially Health Insurance plans. You will find below some important points to consider. COST IS THE MAIN DRIVER? The annual budget for group Health insurance is often determined upfront and not negotiable. However, it is good to keep yourself some margin […]

Insights about Insurtech in Cambodia

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Cambodia’s Insurtech is fast evolving with start-up and traditional companies trying to disrupt in a country where Insurance potential is immense. Insurance Objective for Cambodia The regulator is actively stimulating the entire ecosystem to achieve an Insurance penetration of 5.5% by 2030. A key player in the market SAFETYNET Cambodia has proven its contribution to […]

Medical Insurance in Cambodia Q1-Q3 2022

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Cambodia’s Medical/ Health Insurance statistics were just released for the 3rd quarter 2022 by the Insurance Regulator of Cambodia. Cambodians’ Health insurance value in Gross premium reached $8.3 millions for a growth of 19.8% in Q3. Market Q1-Q3 2022: $24.8 mln Looking at a bigger picture, for Q1 to Q3 2022, the growth is at […]


Insurance History In Cambodia (1)

The genesis of Insurance  Cambodia’s insurance was institutionalized from 1956 but the Khmer Rouge regime put an end to its flourishment from 1975. After the country recovered from its ashes, in 1990-2000, the government introduced the first Laws of Insurance with state-owned insurance company CAMINCO, and also a reinsurance company CAMBODIA-RE in 2002.  Modernization of […]

Health Insurance Specialist in the Kingdom ?

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There are numerous Health Insurance companies and international brands distributed in Cambodia. However, we are proud to be the only “Health Insurance Specialist”. We think Health Insurance is not like any other Insurance types…We think Health Insurance is special, you need a pure “Health Insurance Specialist” to: Design the right Health Insurance plans that fit […]

No Health Insurance in Cambodia?

Why Health Insurance? The objective of a Health Insurance is to cover your unexpected medical expenses, it will bring down out of pocket expenses. Without Health Insurance. If you have no Health Insurance, you are taking the risk that it can wipe out your current savings and even fall into debts…It is estimated that millions […]

Cambodia’s Medical Insurance

Cambodia Medical Insurance H1 2022

Cambodia’s Medical/ Health Insurance statistics were just released for the 2nd quarter 2022. Cambodians’ Health insurance value in Gross premium reached $5.0 millions for a growth of 6.4% in Q2. First Half 2022: $16.4 mln Looking at a bigger picture, for the 1st half 2022, we note a similar growth at 6.5%. Health Insurance Cambodians […]

Insurance Pre-existing Conditions

Insurance Cambodia 2022

Mentioning the word ‘Insurance’ to some Cambodians is often a synonym of ‘cheating, trickery’, depicting the prejudices around the industry. Health Insurance complexityReasons behind are probably due to the complexity of Insurance terms and conditions which create confusion and frictions when claims arise. One of the difficult word to comprehend is “Pre-existing conditions”. What are […]

Cambodia: Health Insurance or Travel Insurance?

Cambodians and Expatriates often ask us for an “International insurance” while often unclear whether they need a Health Insurance or a Travel Insurance. What is the difference between Travel Insurance and International Health Insurance? Travel insurance was created to cover unexpected issues before and during a short stay abroad: ticket cancellation, emergency accident, flight issues, […]

Employees Insurance Cambodia

The National Social Security Fund NSSF is the public Health Insurance scheme in Cambodia based on employment. On top of it, more and more corporations are offering to their staff additional benefits with Health Insurance from the private sector. As of May 2022, Cambodia has more than 18 General Insurance brands or solutions to protect […]

Truth & Facts about SAFETYNET Health Insurance Specialist

Is Health Insurance Necessary? You are Healthy. You eat Healthy Food. You go to the Gym. Why would you spend money on Health Insurance? Because even Healthy people get infected with viruses/bacteria, food poisoning, are detected with Cancer or victims of Accidents. Many hospitalizations in the region are actually due to those events. Health Insurance […]

Elderly people with Health Insurance in Cambodia

SAFETYNET is proud to cover entire families without any age limitations and exclusion of existing diseases.Recently, we had hundred of people above 60 years old. SAFETYNET is looking forward to protecting every generation because Health is our most valuable asset ! We recommend you to read more about Insurance covering Pre-existing conditions. If you want […]

SAFETYNET Teams in Kep province

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The year 2021 was very intense for all SAFETYNET teams in Cambodia with the harsh COVID situation. Keeping our operations running without interruption was imperative to us because we know our insured members need claims reimbursement as quickly as possible. This year transformed us into being even more agile and efficient thanks to more digitalization […]

Insurance ASEAN 2019


Obviously, Singapore, Malaysia and Thailand have the highest penetration, as it is correlated to their economic development and population maturity toward Insurance products. With a total of $246 Millions of Gross Premium in 2019, the Kingdom has a penetration of the Insurance industry into the GDP of 0.91% (0.4% for non-life insurance). ASEAN societal issues […]

Health Financial Protection (Medical Insurance) for all Cambodians ?

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On the 12th of December was “Universal Health Coverage Day”. According to International organizations, up to 300 million people in the world are reaching unacceptable levels of financial situations due to medical care costs.One may wonder if the private sector in Cambodia could contribute to this goal. Current reality is that commercial Health Insurance plans […]

The Health Insurance for expatriates in Cambodia

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Cambodia has experienced an exponential growth of foreigners moving to Phnom Penh, Siem Reap, Sihanoukville but also Battambang the past 10 years. Protecting yourself and your family from unexpected medical expenses and accidents is critical in an environment where quality healthcare can be very expensive. There are several players with International insurance plans meaning they […]

Did you know what REINSURANCE is?

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How can Insurance pay heavy claims? Many wonder how Insurance plans in Cambodia are protecting consumers in case of heavy claims, such as a tragic event where the cover guaranteed may reach several hundred thousands of dollars (Hospitalization with a heavy surgery, Accident in Europe with emergency admission, Death benefits….etc..). This is actually possible because […]

Does Steam Inhalation Help You In Fighting Covid-19?

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Amidst the rising number of coronavirus cases, people are looking for ways to safeguard themselves from the deadly. Recently social media in Cambodia is stormed with a claim that says, steam inhalation can fight coronavirus. There’s no proof steam inhalation cures Covid-19. While steaming has emerged as a popular home remedy to beat Covid, doctors […]

How can I identify trustful insurance company in Cambodia?

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As a relatively new industry in Cambodia, one may wonder how to select a reliable Health Insurance company in Cambodia. Needless to say, it is important to check first if it is a licensed Insurance company at the Ministry of Finance. Here are additional tips to pick a trustful Health Insurance company for yourself, family […]

Relationship between Insurance & Hospitals in Cambodia

Relationship Between Insurance & Hospitals In Cambodia

When you purchased a Health Insurance plan for your company, you probably did not ask any questions about the Hospital Network relationship. You mainly were concerned about the number of hospitals. Cambodian Insurance companies and Hospitals relation may seem as simple as: Insurance companies agree with Hospitals to belong to the Network Hospitals call by […]

For your Company in Cambodia: How to select the right Health Insurance plan?

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Every year, Cambodian Leadership teams have to go through the bid for Health Insurance plans. This can be a very unpleasant and complicated duty while employees’ satisfaction/ loyalty may be impacted by this type of extra benefits. Some advice to guide Managers for group Health Insurance selection. PRICE: Premium is important but… The annual budget […]

5 Key Elements to Building Financial Security

5 Key Elements To Building Financial Security

Financial security refers to the peace of mind felt when we aren’t worried about money. Often, this means having enough income to comfortably cover expenses, being debt-free, and having savings to cover emergencies. However, financial security is a relative term, which means it’s possible for anyone to become financially secure. But there are key elements […]

Ask your Cambodian Hospital which Health Insurance to pick !!! 


It is a common belief among Cambodians that Insurance companies are not trustful and therefore a waste to spend money…There are many Insurance plans and it is very difficult to find the right one. What about asking your Hospital which Health Insurance Specialist is trustful? – Hospitals know which Health Insurance is reliable – SafetyNet […]

Short Overview of Health Insurance in Cambodia

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Health Insurance (which belongs to ”General Insurance”) in Cambodia accounts in 2020 for a total premium $20,995,224. The Year on Year growth was 12.4% while it varied from 12.2% to 30% since 2015. The Medical segment is growing at a much faster pace than Life Insurance and Micro-Insurance. There are currently 16 General Insurance companies […]

Why is SafetyNet growing so fast in Cambodia?

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After a few years in the Kingdom of Cambodia, SafetyNet Insurance Services (Cambodia), Co. LTD. has reached in 2020 a market share of 18% Health Insurance premiums. SafetyNet was founded on the idea that there was a missing product to protect financially Cambodians. A Health Insurance plan which would focus on the Family with guaranteed acceptance […]

Self-Funded Health Program in Cambodia

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Some Cambodian companies have their ‘self-funded’ health program to cover their employees’ medical expenses. Thoughts for Khmer leaders and HR professionals. WHAT IS A SELF-FUNDED HEALTH PROGRAM? It is a plan where the corporation/ company decides to manage by themselves all the financial risks involved with the cover of employees’ medical expenses. The company (not an […]