Insurance · Health insurance
AIA Cambodia
Health insurance · Phnom Penh
AIA (Cambodia) Life Insurance Plc. is the Cambodian subsidiary of AIA Group Limited, the leading pan-Asian life insurer listed in Hong Kong (market capitalisation > USD 80 bn, present in 18 markets). Launched locally in 2013 after acquiring the Bao Viet Cambodia operation, AIA quickly established itself among the leaders of the Cambodian life market with a dense distribution network through in-house trained "Premier Agents" and several bancassurance agreements (Maybank, Hattha Bank). The offer covers term and permanent life insurance, education annuities, retirement plans, USD savings, and a complementary health product ("AIA Healthier Plus") designed as an add-on to a life policy. For expats, AIA is mainly attractive for its regional portability: a policy taken out in Cambodia can be read and managed from any ASEAN subsidiary, which gives peace of mind to expats moving between Phnom Penh, Bangkok, Ho Chi Minh, Singapore or Hong Kong. The company is regulated by the Insurance Regulator of Cambodia (IRC) and publishes an annual solvency report compliant with IRC ratios. Claims are handled in branch or through the "AIA Cambodia" app, available in English and Khmer; some documents are available in Mandarin Chinese for the Sino-Khmer clientele.
Verified on
- Website
- https://www.aia.com.kh
- kh.contactcenter@aia.com
- Phone
- +855 86 999 242
- Languages
- EN KH CN
- Google Reviews
- 4.1 / 5 (165 reviews)
Address
AIA Tower, 7F, No. 87, Samdach Pan Avenue (Street 214), Sangkat Boeung Raing, Khan Daun Penh, Phnom Penh 12211
ប៉ម AIA ជាន់ទី៧ លេខ៨៧ មហាវិថីសម្តេចប៉ាន់ សង្កាត់បឹងរាំង ខណ្ឌដូនពេញ ភ្នំពេញ
Insurance types covered
Advantages & drawbacks
Advantages
- ASEAN portability — Policy readable and manageable across 18 AIA markets — useful for mobile expats.
- Strength of the AIA group — AA- rating (S&P) at group level, one of the best in the Asian sector.
- Long-term plans in USD — Savings and annuities denominated in dollars, protecting against KHR depreciation.
- Mobile app in English — Policy tracking / claim filing / premium payment via AIA Cambodia.
Drawbacks
- Not an international health insurer — Complementary and limited health cover — does not replace a true expat health plan (Allianz, Cigna, April).
- Agent-driven distribution — Sales pressure from an agent can push high-fee savings products.
- No French version — Documentation and customer support in English / Khmer only.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| AIA Healthier Plus | Health insurance | Individuals and families | Hospitalisation, outpatient care, critical illnesses — sold as a complement to a life policy. |
| AIA Secure Wealth Pro | Personal accident | Individuals | Death benefit, disability, critical illnesses (47 critical conditions). |
| Whole of Life / Term Life | Personal accident | Families with dependent children | Death benefit — not listed as an "insurance subcat" but included under personal-accident on this entry. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation | Up to USD 50,000 / year | AIA Healthier Plus Premium plan. |
| Critical illnesses (cancer, stroke, heart attack) | Up to USD 200,000 (lump sum) | 47 conditions covered, paid as a single sum on diagnosis. |
| All-cause death benefit | Customisable from USD 10,000 to USD 1,000,000 | Depending on the life plan taken out. |
| Total permanent disability | Up to USD 100,000 | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Cambodia | Included | — |
| ASEAN (AIA network) | Included | Care recognised across all AIA markets for emergency health claims. |
| Wider Asia (Hong Kong, China, India) | Included | AIA partner network. |
| Worldwide | Optional | Premium plans only (Worldwide rider). |
| United States / Canada | Excluded | Outside standard cover. |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation for illness or accident | Included | — |
| Outpatient care | Optional | Rider to activate on Healthier Plus. |
| Maternity | Optional | 12-month waiting period. |
| Routine dental / optical | Excluded | Not covered except in case of accident. |
| Pre-existing conditions | Excluded | — |
| Critical illnesses (47 listed) | Included | Lump-sum payment on confirmed diagnosis. |
| Suicide in the first year | Excluded | 12-month waiting period on the death benefit. |
Partner medical network
- Royal Phnom Penh Hospital — Phnom Penh
- Sunrise Japan Hospital — Phnom Penh
- Raffles Medical Phnom Penh — Phnom Penh
- Sen Sok International University Hospital — Phnom Penh
- Royal Angkor International Hospital — Siem Reap
- Khema International Polyclinic — Phnom Penh
Sources (2)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.
- Site officiel AIA Cambodia Official