Health Insurance in Cambodia

Expatriating to Cambodia can be an enriching experience, offering immersion in a vibrant culture and a pleasant living environment. However, the issue of health is crucial for expatriates. Understanding the available health insurance options is essential to ensure adequate care in case of medical needs. This article aims to inform expatriates about health insurance in Cambodia, addressing the specifics of the local system, insurance choices, and available healthcare facilities.

What health insurance for expatriates in Cambodia?

The health insurance system in Cambodia

The Cambodian healthcare system is undergoing significant evolution, with notable improvements in recent years. However, challenges remain, particularly concerning access to care and the quality of infrastructure. Medical services can vary considerably from one facility to another, and it is important for expatriates to be aware of the options available to them.

There are primarily two types of health insurance in Cambodia: local insurance and international insurance. Each option has its own characteristics, and it is crucial to assess your needs carefully before making a choice.

Choosing health insurance in Cambodia: local or international?

Local health insurance is generally less expensive and may provide adequate coverage for basic care. However, it may not cover hospitalization costs in private facilities, which are often preferred by expatriates. In contrast, international insurance offers more extensive coverage, including care abroad, but may be more costly.

It is advisable to compare the different options available based on specific needs, budget, and duration of stay in Cambodia. Many companies, such as APRIL International, offer flexible solutions tailored to expatriates.