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.
First of all, Cambodia has a population of around 16 million. We’ve put together some advice to help you prepare for your expatriation to Cambodia and make the most of your stay. Apart from the vigilance required when it comes to safety, Cambodia is a welcoming country for expats, rich in opportunities. However, medical infrastructures are not always sufficiently developed. What’s more, the costs of private medicine in international facilities can be very high. We therefore recommend that you take out health insurance with Mondassur. For a trouble-free expatriation to Asia, don’t hesitate: insure with Mondassur!
Our insurance offers for expatriates in Cambodia
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?
Some figures on health insurance in Cambodia
| Number of public hospitals | 122 |
| Number of private hospitals | 47 |
| Number of doctors per 1,000 inhabitants | 0,2 |
Cambodia’s healthcare system is still developing. With a limited number of hospitals and a low density of doctors, getting fast, quality care can be difficult. For expatriates, taking out private health insurance with Mondassur is essential. You can therefore guarantee yourself access to the best possible care, and avoid long waits in public facilities.
Functioning of the health system in Cambodia :
The Cambodian healthcare system comprises two main sectors: public and private. Each of these sectors has its own characteristics, advantages and disadvantages. Public health insurance, known as the National Social Security Fund (NSSF), offers basic coverage mainly to workers in the formal sector. Private health insurance, although more expensive, offers more comprehensive health cover and faster, better-quality access to medical care. This makes it a popular option for expatriates.
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Public health insurance
The National Social Security Fund (NSSF) is the main public health insurance scheme in Cambodia. Primarily aimed at salaried workers in the formal sector, it provides coverage for basic health services. This includes hospitalization, medical consultations and certain medications. However, the quality of this coverage can vary considerably from facility to facility and region to region. Although costs are relatively low, processing times can be long. As a result, the quality of care may be insufficient for complex medical needs.
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Private health insurance in Cambodia offers a more flexible and comprehensive alternative to public insurance. It is accessible to all, including expatriates. As such, it offers coverage plans tailored to individual needs. Mondassur covers a wide range of services, such as specialist consultations, hospitalization in top-quality facilities and medical evacuation. Premiums therefore vary according to the level of coverage chosen. However, they guarantee rapid access and high-quality care. This can be very useful if you’re going to work in Cambodia. Reimbursement times are generally short, giving policyholders peace of mind.
Health care facilities in Cambodia
In Cambodia, healthcare establishments fall into two categories: public and private. Public hospitals, though numerous, often suffer from overcrowding and limited resources. This can lead to long delays in treatment. The quality of care can also vary significantly. On the other hand, private establishments, although fewer in number, offer better quality services and shorter waiting times, but at higher costs. That’s why health insurance is a must in Cambodia!
Because of these disparities, it’s not uncommon for Cambodians and expatriates alike to seek medical treatment abroad. They can be found in Thailand and Vietnam, where medical infrastructures are more advanced. Taking out private health insurance with Mondassur gives you access to the best local and regional healthcare facilities. This guarantees optimum quality of care.
Which hospitals offer treatment in Cambodia?
If you want to expatriate to Cambodia, you need to know which are the best hospitals to receive quality care. In Phnom Penh, Calmette Hospital is one of the main public facilities. The latter offers a wide range of medical services. However, for more specialized care and a higher level of comfort, many expatriates prefer to turn to other private hospitals:
- Phnom Penh : Calmette Hospital, Royal Rattanak Hospital, International SOS Clinic
- Siem Reap : royal Angkor International Hospital, Angkor Hospital for Children
- Sihanoukville : to Sonja Kill Memorial Hospital
These establishments are renowned for their modern infrastructure and skilled medical teams. We therefore recommend that you purchase expatriate health insurance in Cambodia such as the ones we offer. This guarantees you easy access to these hospitals, as well as reimbursement of the often high medical costs. So you can travel to Cambodia in complete safety, whether for work, retirement or even a humanitarian mission!
Emergency numbers in Cambodia
In Cambodia, you need to know the emergency numbers in case of need. Here are the main numbers to remember:
- Police : 117
- Fire department : 118
- Ambulance : 119
These numbers can save lives in critical situations. Local emergency services may sometimes be limited. We therefore recommend that you purchase expatriate health insurance in Cambodia that will cover medical evacuation to neighboring countries if necessary.
Health care costs in Cambodia
The cost of healthcare services in Cambodia can vary considerably depending on the type of care and the facility. Here is a detailed list of typical costs for various health services, including prices in Cambodian riels (KHR) and their equivalent in euros:
- Standard doctor’s consultation : between 123,000 and 205,000 KHR (between €27 and €45).
- Medical prescription : prices vary according to the drug, but some drugs require a prescription.
- Drug prices : prices vary considerably according to brand and place of purchase.
- Hospitalization : it can cost several hundred dollars a day in a private hospital, around 1,600,000 KHR (about €360).
- Birth : in a private hospital, it costs between 4,000,000 and 12,000,000 KHR (between €910 and €2,730).
- Dental care : scaling can cost between 165,000 and 245,000 KHR (around €36 to €55). For dental implants, expect to pay between KHR 4,900,000 and 10,250,000 (between €1,100 and €2,300).
- Optical care : a pair of glasses and contact lenses can cost between 410,000 and 1,200,000 KHR (between €90 and €270).
These costs can quickly add up, especially for specialized care or major medical procedures. Buying expatriate health insurance in Cambodia is therefore essential. This means that if you join CFE, you’ll receive additional reimbursements from CFE and Mondassur.
Repatriation insurance for Cambodia
Repatriation insurance is crucial for expatriates living in Cambodia. In the event of serious illness or accident, this insurance covers the cost of medical transport to the country of origin, or to another country offering better-quality care. Cambodia’s medical infrastructure, although improving, may not be sufficient to treat certain complex medical conditions. With Mondassur repatriation insurance, you can be sure of a quick and safe transfer to a suitable medical facility. This way, you can receive the best possible care without any additional financial worries. This coverage is particularly important for expatriates living far from major cities, where medical care may be limited.
Cambodia, take stock of your vaccinations
Before travelling to Cambodia, check your vaccinations. Recommended vaccines include those against :
- Hepatitis A and B
- The typhoid
- Rabies
- Japanese encephalitis
They are particularly recommended for extended stays (expatriation) or visits to rural areas. Ideally, you should also be up to date with standard vaccines such as tetanus, diphtheria and polio.
The yellow fever vaccine is not necessary unless you are arriving from a country where this disease is present (in which case it will be mandatory). A good vaccination helps prevent serious illnesses and reduce the risk of health complications during your stay. One good reason to choose Mondassur is that we can also provide advice on vaccinations. This ensures that you are well prepared before your departure.
Best practices in Cambodia
To stay healthy in Cambodia, you need to follow certain best practices. Tap water is not drinkable, so we recommend drinking bottled or filtered water to avoid illness. In addition, be careful when buying medicines. Indeed, some pharmacists may not be qualified, and there is a risk of counterfeit drugs. Buy medicines only from reputable pharmacies.
When it comes to food safety, eat well-cooked food and avoid raw fruit and vegetables that can’t be peeled. These precautions can help prevent many common illnesses and ensure a healthy stay in Cambodia. You’ll be able to visit some of Asia’s most famous landmarks, including Cambodia’s Angkor temples. For added peace of mind, take out health insurance with Mondassur to cover medical expenses in case of need.
Choose Mondassur for your expatriate health insurance Cambodia!
Why take out expatriate insurance?
Buying expat insurance in Cambodia is therefore essential to guarantee comprehensive, tailored healthcare cover during your stay. Health care in a foreign country can be expensive. What’s more, local healthcare systems may not offer the same levels of coverage or quality as in your home country. With expatriate insurance from Mondassur, you’re protected against unforeseen medical expenses, such as hospitalization, specialized consultations and medication. What’s more, expatriate insurance often includes assistance services such as medical repatriation and emergency support, giving you total peace of mind.
Cambodia is also becoming a popular destination for retirees thanks to its affordable cost of living, pleasant tropical climate and rich historical culture. Retirees can enjoy a comfortable lifestyle with quality health services and a variety of leisure activities. With the right health insurance, retirees can live with peace of mind and security. Mondassur offers health insurance plans specially designed to meet the needs of retired expatriates. In this way, we can guarantee comprehensive, tailored coverage.
Quick and easy subscription
At Mondassur, we understand the importance of simplicity and speed in the expatriate insurance process. Our online platform allows you to subscribe quickly in just a few steps. A simple form is available for a free quote, and our team of brokers will provide you with dedicated assistance to answer all your questions. You can get a personalized quote in just a few minutes and tailor your coverage to your specific needs. Thanks to our intuitive user interface, applying for expatriate insurance has never been so quick and easy. So you can concentrate fully on your expatriation in sunny Cambodia!
A wide choice of warranties
Mondassur offers a complete range of coverages to meet all your needs. Our insurance plans are flexible and customizable, offering coverage for basic medical care, hospitalization, dental care and much more. By choosing Mondassur, you can tailor your coverage to your specific needs, guaranteeing optimal protection. For example, you can take out a Visa Long Séjour International Health Insurance policy. Our guarantees also include assistance services such as repatriation, medical evacuation and provident care, giving you total peace of mind during your stay in Cambodia.
Other insurances for Cambodia
For your other insurance needs in Cambodia, explore our tailored options:
- Travel insurance Cambodia: enjoy the countryside without worrying about your health
- Cambodia student insurance, if you want to study in complete safety
For a complete overview of our offers in Cambodia, please visit our Cambodia health insurance page. You’ll find all the information you need to choose the best coverage for your specific needs. Mondassur is committed to offering you tailor-made solutions to guarantee your safety and well-being throughout your expatriation.
