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Cambodia Health Insurance

Locally compliant international medical insurance for those living or working in Cambodia. Customized Cambodia health insurance plans and quotes available.

Cambodia Medical Insurance News

The health situation in Cambodia is in a critical state; 30% of the Cambodian population lives in extreme poverty without modern sanitation or healthcare facilities, the infant mortality rate in the country is at an all time high (95 deaths per 1000 live births), and access to quality healthcare is extremely limited because of the many financial barriers imposed on a large percentage of the local populace. Even though Cambodia is a rapidly developing Asian nation experiencing growth rates of 5-6% annually, the situation in regards to the nation's healthcare is worsening at the same rate that the nation is growing.

Even though the current Cambodian government has taken steps to introduce a comprehensive public health service, the reforms associated with this system are not having the desired effect. The problems with the Cambodian healthcare system are much the same as a plethora of other Asian nations, low funding levels, poorly trained doctors and nurses, insufficient facilities, and low healthcare salaries all contribute to making the already bad healthcare situation in Cambodia even worse.

One of the biggest challenges facing the Cambodian healthcare system is the fact that corruption is rampant in the Cambodian government and many of the funds that have been allocated towards healthcare and helping the nations extremely poor citizens are often diverted into the bank accounts of prominent government officials. This has meant that even though the Cambodian government spends an extraordinarily large amount on healthcare each year (approximately 12% of the total GDP) only a small amount ever reaches the country's public healthcare system that needs it. This has lead to many public institutions becoming unable to provide even the most basic of treatments and as such having to turn many patients away.

Despite this high level of inefficiency in the Public healthcare system there has been a large amount of development in the private healthcare sector. 85% of all medical expenses in Cambodia can be attributed to patients who use the private healthcare services of the country's top hospitals and medical facilities. There have, however, been recent reforms instituted by the Cambodian government in an effort to address the imbalance in the Cambodian healthcare system that have existed for so long. By creating a strong bureaucratic system of oversight around the public medical services the Cambodian government is attempting to ensure that all of its citizens have the access to quality healthcare facilities that they desperately need. This has, however, not stopped the private sector from booming. With the emergence of Cambodia as a potential Asian economic power there has been the development of a fairly affluent middle class that had never existed in the country before, in conjunction with this there has been the recent trend for Asian countries to market themselves towards the fairly new phenomenon of “medical tourism”, a major market that Cambodia is also capitalizing on.

While quality medical treatment at one of the country's top private hospitals is definitely out of reach for a majority of the local Cambodian population, treatment at these facilities is becoming increasingly attractive to foreign nationals who are experiencing rapid medical inflation in their home countries. By no means cheap, the Kampuchea private healthcare system is a cost effective way for many expatriates to receive the high quality service that they need at a price that is much lower than what they usually associate with high class healthcare. This is not to say that treatments in a Cambodian private hospital or medical facility is cheap, but rather is more closely associate with a country like Thailand than the USA. The problem, however, lies in the fact that there is a fairly limited choice in quality medical facilities and that patients are usually forced to use one of three major hospitals if they want the best treatment that the country has to offer and this has lead to longer waiting times and a delay in service.

The only way to truly guarantee yourself and your loved ones the treatments that you deserve anywhere in the world is with a quality international health insurance plan. We can provide policies that are globally portable and guaranteed for life, this means that even if you and your family should relocate away from Cambodia, your plan will travel with you and continue to provide you with the coverage that you deserve, even if you have been diagnosed with a serious, long lasting, chronic condition.

The Cambodia expat health insurance plans that we can provide will offer you a number of additional benefits including maternity coverage, alternative treatments, complimentary medicines, specialist consultations, dental treatment, and emergency evacuation. This means that international health insurance plans that we can offer in Cambodia or anywhere in the world will always give you the exact levels of coverage that you deserve. 


    • The main concerns about Cambodia are in reference to healthcare and safety, and while there is a developing network of top quality hospitals and medical facilities, these still are at the development stage and quality.

      Feeling comfortable in the knowledge that if something was to happen to a family member their medical costs will be taken care of, is important to us all. Our expert consultants can advise on the most suitable level of coverage for families, individuals, groups, and teachers health insurance.

About Cambodia

Cambodia is a nation that has an abundance of beautiful scenery and is renowned throughout the world for it's friendly and welcoming populace. In recent years Cambodia has experienced an emergence into the modern world and with a series of innovative reforms is truly developing into a 21 st century country. To help you understand Cambodia better we have provided some general information outlining the country below.

Please be advised that all the information contained on this page is liable to change without prior warning. If you would like more comprehensive or up to date information please contact a travel expert before departing for Cambodia.

Official Name: Kingdom of Cambodia, also known simply as Cambodia or Kampuchea. Cambodia 's name has change a number of times in the 20 th century and former names for the country have included Khmer Republic, Democratic Kampuchea, People's republic of Kampuchea, and the State of Cambodia.

Capital: The capital of Cambodia is Phnom Penh, which is located roughly in the center of the country along the banks of the Mekong River. Phnom Penh is the economic and cultural capital of the nation as well as being the seat of political power.

Location : Cambodia is located in South East Asia and shares land borders with Vietnam, Laos, and Thailand. The country has immediate access to the Gulf of Thailand and boasts a number of large and successful sea ports because of this.

Size: The total size of Cambodia is approximately 181,040 Square Kilometers, and this makes the nation slightly larger than the American state of Oklahoma.

Climate: Cambodia has a tropical climate and as such experiences clearly defined wet and dry seasons. The wet season occurs from May through October and it is at this time when there are wide spread floods. The Dry season is from November through April, however much of this is characterized by high temperatures and oppressive humidity. Many tourists choose to visit Cambodia during December and January as the weather is cooler at this time than at any other point during the year.

Population: There is an estimated population of 13.9 million in Cambodia, however due to the presence of HIV/Aids and a number of other health risks this number fluctuates regularly and can be difficult to estimate.

Life expectancy at birth: Cambodians have an average life expectancy of 61.29 years at birth. This is one of the lowest life expectancies in the world and is primarily due to the fact that the country experiences annual widespread famine and that the healthcare infrastructure and social services network are not well developed.

Prevalence of HIV/AIDS: Approximately 2.6% of the Cambodian population has HIV/Aids. This means that approximately 361,000 people live with the disease making Cambodia home to one of the highest Aids rates in Asia.

Major illnesses: There are a number of major disease risks in Cambodia. Serious health threats include bacterial and protozoal diarrhea, Hepatitis A, B, C, and E, Typhoid Fever, Dengue Fever, Malaria, Japanese Encephalitis, and H5N1 (bird flu) has been identified in the wild and captive bird populations of the country.

Ethnic Groups: Cambodia is a fairly homogenous society with approximately 90% of the population being of Khmer ethnicity. Other major ethnicities in the country include Vietnamese (5%), Chinese (1%) and other miscellaneous (4%).

Languages: The official language of Cambodia is Khmer, which roughly 95% of the population speaks. English and French are also widely spoken and used in many official scenarios. It is important to note, however, that while much of the population speaks Khmer, many of the outlying regions will speak a local dialect that can be untranslatable into Khmer.

Religion: The majority of the population in Cambodia is Buddhist (95%) and as such the nation displays Buddhist ideas and ideals. There are other religions practiced in Cambodia however these are often hard to notice.

Government: Cambodia is a Multi Party Democratic Constitutional Monarchy. This essentially means that there is a democratic regime taking place underneath a central monarchy, however the royal family has very little overall power and it is the head of government that has the most control of the country. The Cambodian government is very similar to the government of Thailand.

Head of State: The Cambodian Head of State is King Norodom Sihamoni. The king is a cultural figure head only and holds very little power, he is, however, well respected and his “advice” often carries great weight with the Cambodian political establishment.

Head of Government: Prime Minister Hun Sen is the head of the Cambodian government and the leader of the coalition majority party, he is the political strength of the country.

Military: There is mandatory military service for all males aged 18 – 30 with an 18 month conscription obligation in Cambodia. This military service may apply even if the individual has become a naturalized citizen of another nation. At present there is a large military in Cambodia.

Economy : In the 20 th century Cambodia was characterized by frequent social upheaval and civil strife, this had a major impact on the state of the nations economic development. After the Khmer Rouge was overthrown and with the establishment of a populist government Cambodia began to make wide sweeping reforms in regards to the state of its economy. Since 1999 the Cambodian market and economy has grown by an average of 6.4% a year and the nation is quickly emerging as a new potential Asian Economic powerhouse and this has lead to high levels of foreign investment and trade. The main industry in Cambodia is tourism, which continues to grow rapidly and is seen as the benchmark for the rest of the economy to aspire to.

GDP: Cambodia has a GDP purchasing power parity of US$ 38.8 billion with an actual GDP of US$ 6.6 billion, this means that while the country has not reached its full potential there is still room for lots of improvement.



  • Cambodia Travel Tips

    While traveling to a new country can be exciting, it can also be daunting and confusing, especially if you do not understand how to act or which local laws and customs you should follow. It is for this reason that we have provided some Cambodia travel advice, so that you can fully enjoy the many sights and sounds that the country has to offer.

    Please be advised that this advice is not comprehensive and that the information contained below may change without warning. For more accurate or up-to-date information please contact a travel professional before departing on your journey to Cambodia.

    At present there is a global risk of indiscriminate terrorist attacks. There have been some serious cases of terrorism in South East Asian countries (including Indonesia and Thailand) and as such it is recommended that all due caution is exercised when traveling throughout South East Asia.

    There is a high risk of crime in Cambodia, especially after dark in the major cities. The major form of crime with which foreign nationals normally require assistance is incidents of petty theft and pick pocketing. Traveling in groups or before nightfall substantially reduces the risk of crime, and it is advised that if you are unable to follow these guidelines that you exercise due care.

    It is advisable to stay away from any large gatherings, political demonstrations, or instances of social unrest. The Cambodian government has been known to take extreme action against any form of protest. You should not voice any opinions about the Cambodian political or social systems.

    Large areas of Cambodia still have minefields or unexploded ordinance. Mined areas are often unnoticeable and there is a high chance that live ordinance is still present, take care not to stray off the main roads and highways, if you do venture into a rural area make sure that you are in the company of a local expert.

    Sex crimes involving children are considered especially heinous in Cambodia. People who are arrested in conjunction with such an offence can expect extremely long prison sentences before an actual trial. Individuals who are convicted of such an offence can expect to receive extremely long prison terms.

    Do not take photographs of any military installations, airports, or government buildings without express prior permission. Failure to follow this guideline could result in a lengthy prison sentence.

    You should ask permission before taking pictures of the local population or monks. If you are visiting a temple you should avoid wearing shorts or clothes with holes in them and take measures to dress modestly. With regards to this, you should always take off your shoes before entering a Cambodian religious establishment or private accommodation.

    Healthcare standards in Cambodia are poor by western standards and the Cambodian emergency services may not be able to cope with anything other than immediate stabilization and in the event of a serious medical emergency an air evacuation is recommended. Please be advised that an evacuation to Bangkok by air can cost up to US$ 15,000 and repatriation back to another country can cost up to US$ 100,000.

    There are a number of major health risks in Cambodia which include Malaria, Dengue Fever, Japanese Encephalitis, Hepatitis, Bacterial Diarrhea, H5N1 Bird flu, and HIV/Aids. Local food and hygiene standards are very poor, and local water is often not safe for consumption. Stay away from street side vendors and only eat at reputable establishments.

    If you are a foreign national planning to stay in Cambodia for an extended period of time you should register at your government’s representative establishment upon your arrival. It should be noted that a number of embassies in Phnom Penh represent other nationalities apart from their own; for example, the British embassy in Cambodia also oversees the affairs of citizens from the Netherlands, Sweden, Ireland, Greece, Cyprus, Malta, and the Czech Republic. You should obtain the most current information from your government as to who your representatives in Cambodia are before you depart.

    We can provide quality international health insurance products in Cambodia that will give you and your loved ones the assurance that no matter what happens you will always have the protection that you deserve.

    With plans that provide a number of coverage benefits, including emergency evacuation, are globally portable, and that are guaranteed renewable for life, you are able to have the confidence that no matter what happens, anywhere in the world, you will always have the best protection available.

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