The question of travel insurance for Cambodia expats really arises. Although this country makes you dream through the beauty of its landscapes and the richness of its culture, it remains far from the level and comfort of Western life.
Indeed, Cambodia is trying to recover after many years of war that damaged the country until the late 1990s. Despite some initiatives to improve public health services, Cambodia’s social protection system is still struggling to be finalized.
Given the limited healthcare and structural difficulties affecting healthcare facilities, taking out private travel insurance for Cambodia is essential before moving.
Choosing the Right Travel Insurance for Cambodia: Focus on the Healthcare System
In 2018, Cambodia was ranked 99th (out of 151 countries) on the Human Development Index. However, efforts have been made to provide mandatory health coverage to the population.
Social Security is Still Under Development
In 2008, Cambodia set up the National Social Security Fund (NSSF), a social protection scheme for all employees and their dependents.
The NSSF also covers expatriates and their beneficiaries. However, the NSSF only covers work-related accidents. The NSSF currently covers only 10% of the working population.
It should be noted that the introduction of formal health insurance was planned for 2012 but has not yet been implemented.
Quality of Health Care in Cambodia
Healthcare in Cambodia is far from satisfactory. The level of public hospitals is uneven. They are generally under-equipped and below the quality standards of Western hospitals.
In Cambodia, expatriates can be treated in private hospitals or clinics. These facilities offer high-quality healthcare services. However, they may lack specialized doctors or specific medical equipment.
In the event of a severe health problem, it is strongly recommended that expatriates seek medical treatment outside Cambodia (for example, in Bangkok, Thailand, or Ho Chi Minh City, Vietnam) or even request repatriation to their country of origin.
This is one of the reasons why expatriates should always have travel insurance for Cambodia during their stay.
Cost of Healthcare in Cambodia
In Cambodia, the fees charged in private medical facilities are very variable, ranging from $5 to $90 for a consultation with a doctor and from $100 to $650 for a night in a hospital.
In addition, there are additional costs related to any examinations (X-rays, ultrasounds, scans, MRI, etc.).
In order to give you a better idea of the cost of care provided by private health establishments in Cambodia, here are the rates charged by the structures generally frequented by American expatriates:
|Consultation with a general practitioner||Overnight stay in the hospital in a single room||Consultation with a dentist|
|International Medical Clinic of Phnom Penh||N/A||N/A||$22|
|CT Polyclinic of Sihanoukville||$44||N/A||N/A|
|International SOS Clinic||$65||574 €||N/A|
Remember that in Cambodia, all medical transportation costs, in the case of a transfer to a hospital in another city, are the patient’s responsibility. Travel insurance for Cambodia can help alleviate this problem, especially when combined with a repatriation option.
Practical Information About Healthcare in Cambodia
Future American expatriates need to be able to learn the Cambodian language (Khmer) to be able to talk with doctors.
Emergency Numbers in Cambodia
Here are the main emergency numbers to know in Cambodia:
- Police: 117
- Firemen: 118
- SAMU: 119
No vaccine is required to enter Cambodia. However, some vaccines are recommended, depending on the region visited, against the following diseases:
- Japanese encephalitis,
- Hepatitis A and B,
In Cambodia, the situation related to the Covid-19 pandemic is under control. The number of new infections per day is low (less than 50).
Trips are available throughout the country. Educational institutions, restaurants, nightclubs, museums, movie theaters, and tourist sites are open.
While barrier measures and masks are required, there is no curfew.
Please note that upon arrival, international travelers may or may not be placed in isolation in the following situations:
- Travelers who test positive are placed in quarantine for a minimum of 10 days
- Fully vaccinated travelers who test negative are not quarantined
- Unvaccinated or partially vaccinated travelers are quarantined for 14 days.
Given the uncertainties of the situation, it is strongly recommended that you purchase a health insurance policy that covers all costs related to Covid-19.
This policy provides “healthcare benefits” that apply in the event of suspected or detected Covid-19. Exploratory treatments prescribed by doctors are also covered, as well as hospitalizations.
How to Choose Travel Insurance for Cambodia Expats
Given the weaknesses of the local healthcare system, it is essential to take out travel insurance for Cambodia expats.
Such insurance must cover health and hospitalization costs in private institutions as well as any evacuation between institutions or to a neighboring country.
International Insurance Companies: Guarantee of Expertise and Reliability
To purchase travel insurance for Cambodia expats, it is recommended to turn to an American company specializing in international insurance.
The proposed contract is governed by American law, which protects the insured. Moreover, with this type of contract, all exchanges and procedures related to the management of the agreement are done in the US.
Another reason to choose a private health insurance contract for the expatriate is that it is in his interest to benefit from the expertise of these companies. Indeed, these companies know the field perfectly and are familiar with the problems encountered by Americans.
American international insurance companies are best positioned to answer expatriates’ questions, guide them, and implement the necessary assistance logistics in case of unforeseen events.
Guarantees to Be Covered by Cambodia Travel Insurance
Among the guarantees that must be covered by the travel insurance for Cambodia expats are the coverage of health and hospitalization expenses, as well as repatriation assistance.
These guarantees are usually included in all contracts. However, it is advisable to check the possible exclusions that may apply as well as the ceilings and deductibles that may be mentioned.
Studying these different elements is essential for the expatriate. The objective is to avoid paying heavy expenses during his stay in Cambodia.
Note that other valid guarantees can be added, such as
- Luggage insurance (loss, theft, destruction, and delay of delivery)
- Death benefit (payment of a capital sum to the beneficiaries in case of death of the insured)
- Disability insurance (payment of a lump sum to supplement resources in the event of a disabling accident).
Some insurance companies also offer contingency plans for expatriates who wish to prepare for their retirement during their expatriation in Cambodia.