Is Health Insurance Required When Moving to Cambodia?

When planning a move to Cambodia as an expat or digital nomad, one of the essential considerations is healthcare. While Cambodia does not have a universal healthcare system that covers foreigners, it is crucial to have health insurance to cover any medical needs that may arise. The Cambodian government does not currently mandate a specific health insurance policy for obtaining a residency visa. However, it is highly recommended that expats and digital nomads secure comprehensive health insurance to cover potential medical expenses, as local healthcare facilities may not meet international standards, and more serious conditions often require treatment in neighboring countries like Thailand or Singapore. There are no minimum coverage amounts or length of coverage required by law, but it is wise to ensure that your policy covers the entire duration of your stay and includes medical evacuation.

Does Expat Health Insurance Meet the Requirements?

Since Cambodia does not enforce strict health insurance requirements for residency, most expat health insurance plans will meet the basic needs for coverage in the country. However, it is important to verify that your insurance provides comprehensive coverage, including hospital stays, outpatient treatment, and medical evacuation. Additionally, ensure that your policy is valid in Cambodia and that it covers you for the entire duration of your stay. It's advisable to opt for a plan that offers direct billing with hospitals and clinics to avoid out-of-pocket expenses that may be required for treatment.

Which local health insurers offer this type of insurance?

In Cambodia, there are several local health insurance providers that cater to the needs of expats and digital nomads. Companies such as Infinity Insurance, Forte Insurance, and Cambodia-Vietnam Insurance (CVI) offer a range of health insurance products that can be tailored to individual needs. These insurers provide various plans, from basic hospital coverage to more comprehensive packages that include outpatient care, dental, and maternity benefits. It is important to compare the plans offered by these local insurers, taking into account their network of hospitals, claim process, and customer service reputation.

Advice from Expats in Cambodia about Health Insurance

Experienced expats in Cambodia often stress the importance of obtaining a health insurance plan that offers extensive coverage due to the variable quality of local healthcare facilities. They recommend choosing a policy that includes medical evacuation, as this can be critically important in the event of serious illness or injury. Additionally, expats advise paying close attention to the terms and conditions of the insurance policy, particularly regarding coverage limits, exclusions, and the process for filing claims. It's also beneficial to select a plan that has a good track record of settling claims efficiently and has an accessible customer service team. Lastly, while cost is a factor, it should not be the sole determinant; the quality and scope of coverage are paramount when it comes to health insurance in Cambodia.

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," said one expat who moved to Sihanoukville, Cambodia.