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Expat Exchange - Health Insurance for Expats in Cambodia
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Siem Reap, Cambodia


Health Insurance for Expats in Cambodia

By Betsy Burlingame

Universal Tax Professionals
Universal Tax Professionals

Summary: Making the move to Cambodia? One critical choice you'll face is between local health insurance and expat health insurance. Our article provides a comprehensive comparison of both, enriched with insights from expats in Cambodia on their personal insurance decisions.

Cambodia's healthcare system presents unique challenges and opportunities for expats and digital nomads. Understanding the health insurance landscape is crucial for those looking to move to or currently living in the country, as it can greatly affect their access to medical services and overall well-being.

Health Insurance Companies in Cambodia

In Cambodia, there are several health insurance companies that cater to both locals and expatriates. Some of the most popular insurers include Infinity Insurance, Forte Insurance, and Cambodia-Vietnam Insurance Company (CVI). These companies offer a range of health insurance products that can be tailored to the needs of expats, including inpatient, outpatient, maternity, and emergency evacuation coverage. Expats are eligible to purchase health insurance from these companies, and many find that having a local insurance provider can be beneficial for ease of access and direct billing arrangements with local hospitals and clinics.

Expat Health Insurance in Cambodia

Many expats living in Cambodia opt for specialized expat health insurance plans. These plans are designed to provide comprehensive coverage that meets the specific needs of foreigners living abroad. Reasons for choosing expat health insurance include the desire for a higher standard of care, access to a wider network of international hospitals and clinics, and the inclusion of medical evacuation and repatriation services, which are particularly important in a country where the local healthcare system may not meet their expectations or needs.

Local Health Insurance vs. Expat Health Insurance

When it comes to choosing between local health insurance and specialized expat health insurance, expats and digital nomads often weigh the pros and cons of each. Local insurance companies may offer more affordable plans and direct billing with Cambodian healthcare providers. However, expat health insurance typically provides broader coverage, including access to private healthcare facilities both in Cambodia and internationally, which can be a significant advantage for those who travel frequently or prefer a higher standard of medical care.

Considerations for Health Insurance Overseas

When deciding on health insurance while living overseas, there are several important factors to consider. One key consideration is whether the insurer offers cashless service (direct billing) or if you will need to pay upfront and seek reimbursement later. The ease and speed of the claims process, coverage limits, exclusions, and whether the policy includes medical evacuation and repatriation should also be taken into account. Additionally, it's important to understand the geographical coverage of the policy, especially if you plan to travel outside of Cambodia. Lastly, the reputation and customer service of the insurance provider can greatly impact your experience, especially when dealing with health issues in a foreign country.

Expats talk about Health Insurance in Cambodia

"I don't have health insurance. The cost of medical care is quite low. A typical consultation is typically $20. PS I would no longer recommend Sihanoukville. 10,000+ Chinese have moved there and buying up hotels, guesthouses, restaurants, and land. It's not the pleasant beach town it used to be," commented one expat living in Sihanoukville, Cambodia.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.


Universal Tax Professionals
Universal Tax Professionals

Universal Tax Professionals
Universal Tax Professionals

Siem Reap, Cambodia

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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