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Best Health Insurance in Cambodia

6 insurers ranked and reviewed ยท Updated May 2026

Sources:Insurance Regulator of Cambodia (IRC)SAFETYNET

Healthcare System Overview

Cambodia has very low health insurance penetration (~0.7% of GDP). The National Social Security Fund (NSSF) provides mandatory health coverage for formal sector workers, covering approximately 2.2 million members (as of June 2024). For the majority of the population, healthcare is paid out-of-pocket. The private insurance market is small but growing, with a mix of local general insurers and international providers serving mainly corporates and the expat community. The country has 40 registered insurance entities.

#1

Forte Insurance (Cambodia) PLC

private
95.5Score
IRC: #1 General Insurer | AA Global Credit Rating(2026)SAFETYNET: 98.5% Customer Satisfaction(2024)
โ˜…โ˜…โ˜…โ˜…โ˜†4.8satisfactionFinancial strength: AA (Global Credit Rating โ€” highest in Cambodia)

Market Position

#1 general insurer in Cambodia

Credit Rating

AA (Global Credit Rating)

Satisfaction

98.5% (SAFETYNET March 2024)

  • Comprehensive health coverage comparable to offshore providers
  • AA Global Credit Rating โ€” highest in Cambodia
  • 98.5% customer satisfaction rate (SAFETYNET survey)
  • Coverage extends outside Cambodia
#2

Manulife (Cambodia) PLC

private
84Score
IRC: Licensed Insurer (Manulife Financial)(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.9satisfaction

Parent Group

Manulife Financial (Canada)

Product Range

Life, health, critical illness

English Service

Yes

  • Medical expense and hospitalization coverage
  • Critical illness protection
  • Backed by global Manulife Financial
  • English-language service available
#3

Prudential (Cambodia) Life Assurance PLC

private
82Score
IRC: Licensed Insurer (Prudential plc)(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.8satisfaction

Parent Group

Prudential plc (UK)

Product Range

Life, health, critical illness, savings

English Service

Yes

  • Health insurance covering medical expenses and hospitalization
  • Critical illness protection
  • Backed by global Prudential plc (UK)
  • Life and savings products alongside health
#4

Campu Lonpac Insurance PLC

private
70Score
IRC: Licensed General Insurer(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.4satisfaction

Product Range

Health, motor, property, travel

Market Position

One of 18 general insurers

  • General insurance covering health, motor, property, and travel
  • Established general insurer in Cambodia
  • Local market knowledge and expertise
#5

Infinity Insurance (Cambodia)

Infinity Insurance

private
62Score
IRC: Licensed General Insurer(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.3satisfaction

Product Range

General insurance including health

English Service

Yes

  • General insurance policies including health coverage
  • Active in Cambodia's growing insurance market
  • English services available
#6

Phillip Life Assurance (Cambodia) PLC

private
60Score
IRC: Registered Life Insurer(2026)
โ˜…โ˜…โ˜…โ˜†โ˜†3.2satisfaction

Parent Group

PhillipCapital (Singapore)

Status

IRC registered life insurer

  • Life insurance with health components
  • Backed by PhillipCapital group (Singapore)
  • Registered and regulated by IRC

About Health Insurance in Cambodia

Cambodia has very low health insurance penetration (~0.7% of GDP). The National Social Security Fund (NSSF) provides mandatory health coverage for formal sector workers, covering approximately 2.2 million members (as of June 2024). For the majority of the population, healthcare is paid out-of-pocket. The private insurance market is small but growing, with a mix of local general insurers and international providers serving mainly corporates and the expat community. The country has 40 registered insurance entities.

Our editorial team has evaluated and ranked the top 6 health insurers in Cambodia based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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