Health Insurance for Expats in Cambodia

Good private hospitals exist in Phnom Penh and Siem Reap, but serious cases may need treatment abroad, so insurance is important.

What to consider

• Coverage: outpatient, hospital stays, emergencies, maternity, dental and prescription drugs
• Medical evacuation: transport to a hospital in a neighboring country if needed
• Network: which hospitals and clinics accept direct billing
• Limits and deductibles: annual limits, co-payment and waiting periods
• Exclusions: pre-existing conditions, high-risk activities and country restrictions
• Renewals: age limits and premium changes

Types of plans

• International health insurance: broad coverage, higher premium
• Local health insurance: lower cost, limited to local hospitals or regions
• Travel insurance: short trips only
• Employer plans: often offered for staff and sometimes families

How to choose

1. List your needs and your budget
2. Compare at least three quotes
3. Read the exclusions carefully
4. Ask how claims are paid and how long they take
5. Keep policy documents and emergency numbers on your phone

Tip

buy insurance before you need it, because most plans do not cover conditions that start before the policy.

This is general information, not medical or insurance advice. Ask a licensed insurance adviser.