Health Insurance & Healthcare

Cambodia can be a dangerous place. Traffic accidents are a constant hazard and medical treatment can be rudimentary at best. Local surgeons have had lots of experience in lopping off limps of landmine victims here over the years and this seems like their preferred method in many cases! Then there are the multiple tropical infections possible to catch here, such as increasing menace of dengue fever – even here in the Penh. The old Scout motto, be prepared, is the best advice.

Thai-run Royal Rattanak Hospital at #11, Street 592, Boeung Kak 2, Toul Kok (www.royalrattanakhospital.com) is a welcome addition if you need immediate hospitalisation but at $500 just for a room, it could quickly break the bank if you’re not properly covered.

Ideally, medical insurance should be arranged prior to relocating to Phnom Penh. Policies will generally cover the duration of your stay and can be purchased on a 6 month to annual basis. It is important to purchase this insurance from a reputable company and as such, we list a number of providers and brokers below:

Aetna Global Benefits (AGB) (www.goodhealthworldwide.com) is a specialist provider of international health insurance for expatriates. It offers a full range of worldwide health insurance plans for individual, family, group or company cover. AGB claims to provide its customers with access to the finest medical facilities and best possible treatment wherever they are worldwide. Customers of AGB benefit from access to its network of medical facilities worldwide which include:

●      Regional offices in London, Dubai, Hong Kong, Miami, Shanghai and Jakarta, with staff speaking several languages who deliver expert advice and provide an enhanced local policy administration and claims support service using their extensive international medical knowledge

●      Emergency evacuation to ensure that if required treatment is not available here in Cambodia, customers will be immediately transported to an appropriate facility.

●      Online Global Health Data Bank enabling customers to search for medical and health resources worldwide through access to a comprehensive directory of international medical and hospital facilities.

April Medibroker (www.medibroker.com) has of team of expert advisers who have extensive knowledge of the global insurance market who can advise solutions to customers. The broker has worked with international health insurance companies for many years which they regularly assess to ensure that they still meeting the expectations of their clients.

Asia Insurance (Cambodia) offers three alternative Medical Insurance schemes to protect Cambodian nationals, their families and their staff. As, such, the following plans can be ideal for insuring locally hired staff, such as domestic helpers, should you choose to:

●      Domestic Plan

Designed to help cover medical expenses incurred by members of domestic or local staff while being locally hospitalized due to illness or accident.

●      Person Accident Insurance

Provides compensation to the Insured in respect of their death, disablement or loss of limb, including medical expenses whilst the Insured is being hospitalized due to a violent accident.

●      Travel Accident Insurance

Special-purpose policy that covers an Insured for accidents while travelling which may be purchased for one specific trip, one particular type of travel or all trips taken in a specific period of time.

Clements International (www.clements.com) has been established for 60 years as a provider of insurance solutions for expatriate individuals and businesses with a particular focus on US aid workers. It offers the following international health and life insurance policies:

●      International Health Insurance Policy (6 months – 1 Year)
Providing individuals and families with comprehensive health and dental coverage anywhere in the world.

●      Short-Term Travel Medical Insurance
Coverage for illnesses or medical evacuation that occurs whilst traveling outside of the United States provided through Atlas Travel Medical.

●      International Health Insurance for USAID Contractors
GlobalCare USAID program specially designed for USAID Contractors requiring medical insurance.

●      Health Insurance for Returned Peace Corps Volunteers
Affordable, comprehensive health insurance options for individuals about to leave their service in the Peace Corps.

●      International Term Life Insurance
Term life insurance providing family financial security protection for up to 10 years.

Infinity Insurance (www.infinity.com.kh), a Cambodian domiciled company which is part of the ANZ Royal Group, offers a broad selection of products, including custom designed solutions, for individuals and businesses in Cambodia. The company’s services are primarily aimed at Cambodian nationals and therefore, they can be ideal for insuring locally hire staff such as domestic helpers, should you choose to. Infinity’s Accident Safe plan covers medical expenses following an accident, dismemberment and loss of sight, hearing, or speech, permanent disability, total temporary disablement from engaging in usual occupation (for a maximum of 52 weeks) and accidental death. The cover starts from as low as $2 per month, with $5,000 in death and related benefits for persons aged 5 to 65.

Integra Global (www.integraglobal.com) offers an International Health Insurance Plan specially designed for expatriates of all nationalities which includes worldwide cover, medical evacuation, online health records account and a comprehensive range of other benefits.

Travel Guard (www.travelguard.com) insurance plans can offer annual multi-trip travel insurance for personal or business travel that travels with you on trips or vacations. Plans can include valuable medical coverage, trip interruption coverage due to work reasons or involuntary job loss, optional trip cancellation coverage, emergency travel and health services. Travel Guard has been established for 20 years and its customer service team will provide support 24/7.

William Russell (www.william-russell.com) has a Global Health portfolio which offers six plans with an extensive choice of benefits, ranging from Platinum for VIP level protection to Essential for essential, value-for-money cover. William Russell was awarded the Best International Private Health Group Award in 2009 for the second time in three years at the International Investment Fund & Product Awards.

World Nomads (www.worldnomads.com) specialises in providing travel insurance for adventurous travellers from all over the world and is recommended by the Lonely Planet. It is backed by a suite of strong insurance companies such as Lloyd’s, Mondial Assistance, IHI, Bupa International and Millstream Underwriting who provide 24/7 emergency assistance, customer support and claims management. World Nomads enables policies to be bought and extended or claims to be made online whilst customers are already travelling. Customers also benefit from access to up-to-date travel safety alerts and advice through World Nomad’s online Travel Safety Hub.