Cambodia Expat Health Insurance
Health Insurance for Expats in Cambodia
If you are an expat or any foreign national living in Cambodia for a extended period of time, having a expat health insurance plan that understands needs of expats and provides sufficient protection against all eventualities is a must have!
It doesn’t matter if you are living in Phnom Penh, Siem Reap, Sihanoukville or Poi Pet, accidents and emergencies happen everywhere and you need peace of mind that if a accident or illness occurs regardless of severity or life threatening that you get the best possible care available, which sometimes means being evacuated to a nearby city such as Bangkok with world-class medical facilities.
A medical evacuations are expensive and practically impossible in emergency situations without proof of health insurance coverage, and these are the kind of situations when you need health insurance.
You might be thinking that healthcare for small minor injuries or broken bones is relatively cheap in Cambodia and around the region, and we agree by all means if you have the wealth to cover minor “out-patient” medical costs then do so.
However with “in-patient” care and medical evacuations the costs can easily spiral out of control to levels beyond your bank balance, and the last thing you want to be dealing with in such emergency is arranging bank transfers to ensure the hospital will continue to keep you or your loved one alive.
We have all seen the “go fund me” pages of tourists who have been involved in accidents while on holiday either without any insurance or with travel insurance that refuses to pay, in most cases the tourist was riding a motorbike without a helmet which invalids the policy. The difference with travel insurance and a health insurance policy is that in life and death situations you will receive the care you need, regardless of how the accident occurred, the insurer might ask questions later, but at-least you will be alive to tell the tale.
British nationals who have the luxury of the national health service and have never purchased health insurance might find the cost of health insurance surprisingly high, whereas Americans tend to find the cost of international health insurance plans surprisingly cheaper than American health insurance.
If you are currently a expat in Cambodia but plan on living in other countries in the future, you should buy a “International” or “regional” health insurance policy in a country you would be comfortable to continue to pay the ongoing insurance policy, or a policy that can be transferred, you essentially want a lifetime policy that covers you regardless of where you are living.
Otherwise you would have to cancel your initial policy and obtain a new policy which could be problematic, especially if any new medical conditions have occurred.
Hospitals in Cambodia that have direct billing arrangements with insurance companies.