Expatriate insurance in Cambodia
Cambodia is a fascinating destination that attracts a growing number of foreigners every year. We've put together some advice to help you prepare for your expatriation to Cambodia and to help you make the most of your new life here.
Cambodia is a country par excellence with around 16 million inhabitants. Many expatriate communities (Belgians, French, Germans, Dutch, etc.) live here. We’ve put together some advice to help you prepare for your expatriation to Cambodia and make the most of your stay. Safety aside, Cambodia is a welcoming country full of opportunities. However, medical infrastructures are not always sufficiently developed, and the costs of private medicine in international establishments can be very high. That’s why we strongly advise you to take out international health insurance for expatriates before you leave, to prevent any risks.
Expatriate insurance Cambodia Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Cambodia.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance Cambodia Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Cambodia Gold Expat Safe
Health insurance with a good cover/price ratio. It offers effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Cambodia Gold Expat Premium
Our comprehensive expatriate health insurance in Cambodia.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
Schooling in Cambodia
The national language in Cambodia is Khmer, and public school classes are taught in this language.
The school system is composed as follows:
- Primary school lasts 6 years and ends with a brevet, which allows students to go on to collège.
- Junior high and high school each last 3 years.
Once an A-level has been obtained, students can enroll free of charge in all higher education establishments. B or C grades give access to a higher education grant.
There are very good Anglo-Saxon international universities in all major cities.
Two French schools in Cambodia are approved by the AEFE:
- The Lycée Français René Descartes in Phnom Penh caters for students from kindergarten to the end of secondary school.
- TheFrench school in Siem Reap welcomes kindergarten and primary school pupils.
As a guide, the French lycée in Phnom Penh charges between $4,770 and $6,350 per school year. Then there are the registration fees (higher in the first year).
These prices apply to students of French and/or Cambodian nationality. Fees are higher for students of other nationalities.
Other French schools are listed on the website of the French Embassy in Cambodia.
Accommodation in Cambodia
The places most populated by expatriates are Phnom Penh (Daun Penh), Battambang, Siem Reap and Sihanoukville. These regions are also home to the majority of foreign companies setting up in Cambodia.
To find accommodation, it is advisable to turn to other expatriates when you arrive in Cambodia. Then, if necessary, contact a real estate agency. The agency commission is usually around half a month’s rent.
To obtain a rental contract, you’ll generally need a visa valid for one year. Indeed, landlords generally prefer long-term leases. You will also need to present your passport and a witness for the signature. It’s likely that you and your witness will have to thumbprint the contract after signing.
Remember to include an inventory of fixtures with the contract.
The longer the lease, the more you’ll be able to negotiate your rent. The deposit is generally equivalent to 1 or 2 months’ rent. The first rent must also be paid in advance.
Ask what utilities are included in the rent (internet, telephone, television, etc.). It’s also a good idea to know when garbage collection is scheduled for your home. Water and electricity are generally not included in the rent. It’s generally cheaper to pay your bills directly to the electricity company than to your landlord. If in doubt, ask other expatriates what the normal rates are for these charges.
Foreigners are not allowed to buy land or property in Cambodia.
How much does it cost to live in Cambodia?
Housing costs range from $250 to $400 for a one-bedroom condominium (equivalent to a T2) to $400 to $700 for a large multi-bedroom apartment. Of course, the bigger the city, the more expensive the rent. This explains why Phnom Penh’s property prices are the highest in the country.
