International Health Insurance for Expats in Cambodia

Expats who are relocating to or visiting Cambodia have plenty of options for international health insurance plans. Cambodia’s public healthcare plan and facilities may not be able to meet your expectations and medical needs, so having an international policy as backup is a wise decision.

The medical cost in Cambodia is relatively lower than in many other developed countries, yet accessing private healthcare on par with international standards is still expensive, and out-of-pocket expenses can overwhelm you, especially if you develop illnesses that require long-term treatment.

No matter your reasons for traveling to Cambodia, you’ll want to understand the healthcare system in the country, and your international health insurance options in case you’ll need it to go private after careful consideration.

Recommended International Health Insurance Plans for Expatriates Living in Cambodia

Healthcare in Cambodia

Cambodian healthcare has a dual system comprising public and private healthcare. Over the past few decades, Cambodia's healthcare system has undergone significant changes and improvements.

Up until today, Cambodia has approximately 1,000 public healthcare facilities and 8,00 private healthcare providers across the country.

Public Healthcare in Cambodia

Public healthcare is free in Cambodia, but only around 30% of Cambodians can access and use public facilities. Public medical facilities are overstretched, have long wait times, and are substandard as most public hospitals are understaffed and lack advanced medical equipment.

Due to the varied nature of the country’s landscape and its population density, the ease of access to public healthcare in Cambodia can vary significantly between provinces.

The government has devoted itself to improving healthcare across the country, yet it can still be difficult to access facilities in rural areas, as current healthcare investments are urban-focused.

A further consequence is that Cambodians (as high as 83%) who cannot access public healthcare end up using private healthcare for their treatment needs without insurance, contributing to a shocking 75% of medical fees in the country being out-of-pocket medical expenses for patients.

Private Healthcare in Cambodia

Private coverage offers significant advantages, including access to superior medical facilities, shorter wait times compared to the congested public system, and substantial coverage of medical expenses; therefore, it’s highly recommended despite having free public healthcare.

Location is a crucial factor in healthcare access. Although private facilities maintain acceptable standards nationwide, international-standard hospitals operate almost exclusively in and around Phnom Penh, the capital city.

The private healthcare system in Cambodia may have limitations in treating certain medical conditions. For complex or specialized treatments, you may need to seek medical care in neighboring countries, particularly Thailand, Vietnam, or Singapore, where advanced medical facilities are available.

Dental care is accessible and affordable in Cambodia, and you can find routine check-ups and specialized services in dental clinics around Phnom Penh and Siem Reap. Its cost-effectiveness also made it a highly sought-after destination for dental tourism.

Best Hospitals and Clinics for Expats in Cambodia

Hospitals and clinics in Cambodia can vary in quality, so for your convenience, we have compiled a list of the best hospitals and clinics for expats in Cambodia, including Royal Phnom Penh Hospital, Royal Rattanak Hospital, and more.

Inpatient Care

Royal Phnom Penh Hospital
Address: No. 1, Street 93, Sangkat Boeng Keng Kang 1, Khan Chamkarmon, Phnom Penh, Cambodia
Contact: +855 23 993 888

Royal Rattanak Hospital
Address: No. 282, Street 271, Sangkat Phum Thmei, Khan Sen Sok, Phnom Penh, Cambodia
Contact: +855 23 994 888

Sen Sok International University Hospital
Address: No. 160, Street 271, Sangkat Phum Thmei, Khan Sen Sok, Phnom Penh, Cambodia
Contact: +855 23 992 888

Outpatient Care

Calmette Hospital
Address: No. 1, Street 130, Sangkat Phsar Thmei II, Khan Daun Penh, Phnom Penh, Cambodia
Contact: +855 23 426 999

Sihanouk Hospital Center of Hope
Address: No. 3, Street 360, Sangkat Boeng Keng Kang 1, Khan Chamkarmon, Phnom Penh, Cambodia
Contact: +855 23 215 250

Dental Clinics

Malis Dental Clinic
Address: 13th floor, Phnom Penh Tower, 445 Monivong Blvd, Phnom Penh, 12258, Cambodia
Contact: +855 12 513 222

American Dental Clinic
Address: House #03Eo, Street 289, Samdach Penn Nouth St. (289), Phnom Penh 12000, Cambodia
Contact: +855 92 622 402

Best Private Insurance Providers for Expats in Cambodia

Pacific Prime has partnered with numerous international insurers such as Allianz, Bupa, and Cigna, and others to offer some of the best plans for expats in Cambodia. Here’s a brief overview of these insurers and their major plan features.

Luma

LUMA is a top-tier health insurance company for expats in Cambodia because they offer affordable plans with flexible designs. LUMA’s Asia Care Plus plans are designed specifically for expats living in Asia.

Morgan Price

Morgan Price specializes in providing affordable international health insurance to worldwide expats. Their Asia Pacific plans (Asia Pacific Evolution Health Standard/Standard Plus/Comprehensive/Premium/Elite) offer peace of mind and financial security to expats living in Cambodia.

Cigna

Cigna offers international health insurance to expats from over 200 countries and jurisdictions. The convenience and professionalism given through their trusted network of hospitals and doctors and 24/7 customer support have won many expats’ favor.

Allianz

Allianz offers international health insurance to over 72 million expats in 58 languages and 75 countries, including Cambodia. Allianz Care’s Care, Care Plus, and Care Pro medical plans allow flexibility so that expats can customize the plan concerning their healthcare needs and requirements.

VUMI

VUMI has five different plan levels– Global Flex VIP Basic, Standard, Superior, Ultra, and Total, each providing certain benefits up to the annual benefit limit. Expats in Cambodia can also opt for maternity, routine dental, and optical coverage if necessary (subject to a waiting period).

April International

April International has over 30 years of experience in providing expats from around the world with quality and affordable international health insurance. Their fully paperless reimbursement system made documenting and making a claim fully digital and convenient for many.

Pre-existing Conditions Coverage for Expats in Cambodia

Expats with pre-existing conditions may have limited coverage options when purchasing international health insurance, but there are still alternatives available. Check carefully whether you are offered a pre-existing condition exclusion, a moratorium, or coverage with loading.

• Exclusion: The insurer will not pay or reimburse the policyholder for medical bills related to the condition if he/she chooses them as the insurer.
• Moratorium: The insurance company offers health insurance but excludes and observes the pre-existing condition for a certain period known as the waiting period. This period is usually 24 months, then the insurance company reviews its decision.
• Coverage with loading: Insurance companies may offer coverage for pre-existing conditions, but only with higher premiums. Not all pre-existing conditions are eligible for this kind of coverage, and not all companies offer this option.

Cambodia Health-related Travel Advice

• Before arriving in Cambodia, make sure you have all the relevant vaccinations including hepatitis A/B, tetanus, typhoid, cholera, Japanese encephalitis, rabies, tuberculosis, etc.
• Medical evacuation can be extremely expensive. If you don’t have coverage for emergency evacuation, you could pay upwards of USD $20,000 if you have to be airlifted to Bangkok or Singapore. To top it off, you’ll have to pay the transporters upfront.
• Emergency services (119) are not ideal in Cambodia—ambulance services are slow and calls to public emergency telephone numbers might not go through. Securing international health insurance in Cambodia is not just time-saving, but could be life-saving.
• Contact your insurance company or broker as soon as possible if you’re referred to a medical facility for treatment.

Compare Health Insurance Plans and Quotes in Cambodia Now

The healthcare system in Cambodia is evolving, with both public and private sectors playing essential roles. While significant strides have been made, especially in urban areas, challenges related to resources, access, and quality still exist.

The only way to truly guarantee that you and your loved ones will get proper treatment anywhere in the world is with a quality international health insurance plan. At Pacific Prime, we can provide policies that travel with you, wherever you are.

With over 20 years of experience in the insurance industry, we understand your needs as expats and travelers. International health insurance plans in Cambodia that we provide offer several add-on benefits such as maternity coverage, dental treatment, and emergency evacuation.

Contact us today to speak to our expert consultants and get quoted for the most suitable health insurance plan for your needs and budget.

If you find this article about the healthcare system and international health insurance useful, don’t forget to check out the same set of information for Pakistan international health insurance plans and Jamaica international health insurance plans.