Private Medical Insurance (Cambodia)

Visiting Hospital With Mom

What is it?

It is a contract between you and a private health insurance provider. In Cambodia, there are international players but also local players (with often much more competitive plans). Under this arrangement, the insurer agrees to cover some or all of your medical expenses in exchange for your payment of a yearly premium (it is renewable). Unlike public health insurance (such as NSSF) provided by the Cambodian government, private health insurance is offered by private companies.

Expats and Cambodians need Private Medical Insurance

Both expatriates and Cambodians should consider purchasing private medical insurance to ensure peace of mind in case of unexpected medical expenses. Quality Healthcare in Cambodia may be extremely costly without being covered.

Various Cover description

The cover of Health Insurance cover may sound a little vague, so we listed for you the main types of coverage you can get in Cambodia from your Private Medical Insurance company:

Accident: It provides financial coverage against unforeseen events such as accidents causing bodily injury, disabilities …

In-Patient: This covers medical care that requires a stay in hospital. This can be in an International Medical Group or a local clinic/ hospital, it is important to look for full Worldwide if you travel often.

Out-patient: It is when you do not need to stay overnight, you will visit a hospital or clinic for a consultation, diagnostic tests, treatments, or therapies…This option tends to be a costly in the medical insurance plans so remove it if you wish to save some money !

Dental: As simply as it is stated, it covers treatments related to your teeth.

Vision Care: Expenses for the eyes.

Maternity and Childbirth: This is the health coverage if you are pregnant or give birth or related to complications. Some policies include maternity benefits, covering prenatal care, delivery, and postpartum services.

Evacuation and Repatriation: Those plans are focused on emergency medical evacuations, international security evacuations and repatriation.

Death Benefits: Benefits may be distributed to your loved ones in case of Death.


Pre-existing or Chronic Conditions Exclusions: Coverage for managing past or current illnesses, chronic illnesses like diabetes or hypertension. This is a major point to understand well as it may have huge negative impacts on the cover.

If you want to know more about SAFETYNET Cambodia health insurance plans, feel free to contact us: -or- call us 023 23 57 57.