Insurance · Health insurance
AURAS Insurance
Health insurance · Phnom Penh
AURAS Insurance is a health insurer specialising in the Cambodian market, active since 2018 and regulated by the Insurance Regulator of Cambodia (IRC). The company specifically targets expats and the upper-middle Khmer class with a local and regional health offer, and is one of the few players to provide a fully digital, English-language client platform (subscription, payment, claim filing). AURAS distributes three main lines: individual health ("AURAS Lite", "Standard", "Premium"), group health (SME / large-account employers), and personal accident. For expats in Cambodia, AURAS positions itself as the "solid local" option between traditional Cambodian insurers (Forte, Infinity) and international insurers (April, Allianz Care, Cigna): competitive rates (USD 1,000–3,500 / adult / year), direct billing at the main Phnom Penh clinics (Royal Phnom Penh, Sunrise Japan, Naga, Raffles, Khema), medical evacuation included to Bangkok / Singapore, and a physical office in Phnom Penh for complex claims. The company has been growing rapidly since 2022 thanks to a clear digital experience and a responsive English-speaking customer service team. Limits: lower caps than international players (up to USD 200,000 / year), no US cover, no French version. For a budget-conscious expat or an employer looking to cover both local staff and expats under a single contract, AURAS is a mainstream option.
Verified on
- Website
- https://auras.insure
- care@auras.insure
- Phone
- +855 23 990 100
- Languages
- EN KH
- Google Reviews
- 4.5 / 5 (75 reviews)
Address
Phnom Penh Center, Building F, 4th Floor, Sothearos Boulevard / Street 274, Sangkat Tonle Bassac, Khan Chamkarmon, Phnom Penh
Phnom Penh Center អគារ F ជាន់ទី៤ មហាវិថីសុធារស សង្កាត់ទន្លេបាសាក់ ខណ្ឌចំការមន ភ្នំពេញ
Insurance types covered
Advantages & drawbacks
Advantages
- Local Phnom Penh presence — Physical office for complex claims.
- Competitive rates — USD 1,000–3,500 / adult / year.
- Modern digital platform — Online subscription / claims, mobile app.
- Cashless at local international clinics — Royal Phnom Penh, Sunrise Japan, Naga, Raffles, Khema.
Drawbacks
- Lower caps than international players — Max USD 200,000 / year, vs EUR 1–5 m at Allianz / AXA Global Healthcare.
- No USA / Canada cover — Outside the zone, even as an option.
- No French version — Customer service in English and Khmer.
- No active independent rating — No active AM Best or S&P rating.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| AURAS Lite | Health insurance | Tight budget | Hospitalisation only, USD 50,000 cap. |
| AURAS Standard | Health insurance | Individuals / families | Hospitalisation + everyday outpatient. |
| AURAS Premium | Health insurance | Expat families | Full cover: hospitalisation, outpatient, maternity, dental. |
| Personal Accident | Personal accident | Individuals | Accidental death / disability lump sum, related medical costs. |
| Group Health | Business insurance | Employers (SMEs / large accounts) | Modular group cover, mixing local staff + expats. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation | Up to USD 200,000 / year | Premium plan. |
| Medical evacuation | Up to USD 100,000 | Bangkok / Singapore. |
| Outpatient care | Up to USD 10,000 / year | Standard / Premium plan. |
| Maternity | Up to USD 6,000 | Premium plan, 12-month waiting period. |
| Dental | Up to USD 1,000 / year | — |
| Accident lump sum | Up to USD 100,000 | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Cambodia | Included | — |
| ASEAN | Included | Evacuation and planned care. |
| Wider Asia (India, China, Japan, Korea) | Optional | — |
| Worldwide ex-US | Optional | Premium plan. |
| USA / Canada | Excluded | — |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation | Included | — |
| Outpatient care | Included | Standard / Premium plans. |
| Maternity | Included | Premium plan, 12-month waiting period. |
| Dental | Optional | Premium plan. |
| Optical | Optional | — |
| Pre-existing conditions | Excluded | — |
| Extreme sports | Excluded | — |
| Cosmetic treatments | Excluded | — |
| COVID-19 | Included | — |
Partner medical network
- Royal Phnom Penh Hospital — Phnom Penh
- Sunrise Japan Hospital — Phnom Penh
- Raffles Medical Phnom Penh — Phnom Penh
- Naga Clinic — Phnom Penh
- Khema International Polyclinic — Phnom Penh
- Sen Sok International University Hospital — Phnom Penh
- Royal Angkor International Hospital — Siem Reap
Sources (2)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.
- Site officiel AURAS Insurance Official