Insurance · Health insurance
AXA Global Healthcare
Health insurance
AXA Global Healthcare is the international health division of the AXA group (French global insurer, one of the world's top five), operating from London and offering international health plans for expat residents in more than 200 countries. In Cambodia, AXA Global Healthcare is one of the best-known international health brands, distributed through brokers and a direct website; there is no AXA Global Healthcare office in Cambodia, but the group is locally present through AXA Partners (assistance) and the French distributor Insurly (very active in the French-speaking expat market). The range is built around three levels (Foundation, Standard, Comprehensive) with a geographic zone logic (Worldwide, Worldwide ex-US, Asia, Europe). For expats in Cambodia, AXA Global Healthcare positions itself as a premium option: very high caps (up to several million euros), direct cashless network with the main international clinics in the region, 24/7 management in English and access to Doctor Please teleconsultation. AXA's strength lies in its ability to handle the most complex cases (serious illnesses, long-haul evacuation, long-term care), where low-cost players can show their limits. Documentation and customer service are in English; for a French-speaking experience, the usual option is to go through a French broker such as Insurly, Mondassur or Mondial Care, who distribute AXA Global Healthcare with added French support. Rates are noticeably higher than average (expect USD 3,000–8,000 / adult / year depending on plan and zone) and renewals can show significant increases after a few years.
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- Languages
- EN FR
- Google Reviews
- 3.6 / 5 (420 reviews)
Address
Aucune agence Cambodge — siège : AXA Global Healthcare (UK) Ltd., 20 Gracechurch Street, London EC3V 0BG, Royaume-Uni
Insurance types covered
Advantages & drawbacks
Advantages
- Very high caps — Up to several million euros / year, ideal for major claims.
- Worldwide cashless network — Direct billing at ASEAN international hospitals.
- AXA strength — AA- rating (S&P) — one of the best levels in the market.
- Doctor Please teleconsultation included — 24/7 multilingual (incl. French).
Drawbacks
- High price — Expect USD 3,000–8,000 / adult / year depending on plan and zone — not suitable for tight budgets.
- Renewal increases — Increases of 8–15% per year common after 3–5 years.
- No Cambodia office — All remote, brokers recommended for French-language support.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| Foundation Plan | Health insurance | Individuals / families, tight budget | Hospitalisation only (in-patient), limited caps. |
| Standard Plan | Health insurance | Individuals / families | Hospitalisation + everyday outpatient care. |
| Comprehensive Plan | Health insurance | High-end expat families | Full cover: in-patient, out-patient, dental, optical, maternity, complementary medicine. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation | Up to USD 3,500,000 / year | Comprehensive plan. |
| Medical evacuation | Actual costs (no cap) | — |
| Outpatient care | Up to USD 50,000 / year | Standard / Comprehensive plan. |
| Maternity | Up to USD 12,000 / delivery | 10-month waiting period. |
| Dental | Up to USD 3,000 / year | — |
| Optical | Up to USD 600 / year | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Asia (zone 2) | Included | Standard rate for Cambodia. |
| Worldwide ex-US | Included | Surcharge ~ 15%. |
| Worldwide (incl. USA / Canada) | Optional | Heavy surcharge (~+40–60%). |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation and surgery | Included | — |
| Outpatient care | Included | Standard / Comprehensive plans. |
| Maternity | Included | Comprehensive plan, 10-month waiting period. |
| Dental | Included | Comprehensive plan. |
| Optical | Included | Comprehensive plan. |
| Complementary medicine | Optional | — |
| Pre-existing conditions | Excluded | Unless declared and accepted. |
| Cosmetic treatments | Excluded | — |
| Extreme sports | 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
- Bumrungrad International Hospital — Bangkok (Major cases.)
- Bangkok Hospital — Bangkok
- Mount Elizabeth Hospital — Singapore
- Raffles Hospital — Singapore
Sources (2)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.
- AXA Group — Rapport annuel Official