Insurance · Health insurance
Manulife Cambodia
Health insurance · Phnom Penh
Manulife (Cambodia) Plc. is the Cambodian subsidiary of Manulife Financial Corporation, a Canadian group founded in 1887 and listed in Toronto, New York and Hong Kong (market capitalisation ~ USD 50 bn). Active in Cambodia since 2012, Manulife is one of the country's three major international life insurers, alongside AIA and Prudential. The company has focused its Cambodian offer on long-term protection: term and permanent life insurance, individual retirement plans denominated in USD, universal savings ("Manulife Universal Life"), supplementary health insurance, and education plans for children. For expats, Manulife is regularly seen as the "stable and conservative" option — the strength of the Canadian parent (AA rating at S&P) and regional portability via Asian subsidiaries (Vietnam, Singapore, Hong Kong, Indonesia, Philippines, Japan) are the main arguments. Distribution is through a network of adviser agents and a bancassurance partnership notably with ABA Bank, which makes subscription accessible to expats already banked locally. Customer service is managed through the "Manulife Cambodia" app and at the central offices in Phnom Penh; documentation is mainly in English and Khmer, without a French version. For pure health (benchmark expat hospitalisation), it is recommended to combine Manulife with an international health insurer such as April, Allianz Care or Cigna — the Manulife health block remains positioned as additional cover, not as the main cover.
Verified on
- Website
- https://www.manulife.com.kh
- cs@manulife.com.kh
- Phone
- +855 23 965 999
- Languages
- EN KH CN
- Google Reviews
- 4.0 / 5 (130 reviews)
Address
Manulife Building, 104, Norodom Boulevard (corner of Street 240), Sangkat Beng Raing, Khan Daun Penh, Phnom Penh 12211
អគារ Manulife លេខ ១០៤ មហាវិថីព្រះនរោត្តម សង្កាត់បឹងរាំង ខណ្ឌដូនពេញ ភ្នំពេញ
Insurance types covered
Advantages & drawbacks
Advantages
- Strength of the Canadian group — AA rating (S&P) at parent level — one of the best in the market.
- Long-term plans in USD — Savings, retirement, life cover in dollars — protection against KHR depreciation.
- ASEAN + Asia portability — 8 Asian subsidiaries, contract transfers possible.
- ABA bancassurance — Quick subscription for ABA customers.
Drawbacks
- No full expat health — Limited health block — to be topped up with April / Allianz / Cigna.
- Documentation EN / KM only — No French-language support.
- Agent-driven distribution — Risk of high-fee savings product depending on the adviser.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| Manulife Health Plus | Health insurance | Individuals and families | Hospitalisation, outpatient care, critical illnesses — complementary to a life policy. |
| ManuPension / Retire Plan | Personal accident | Expats and locals preparing for retirement | USD retirement savings plan — lump sum or annuity. |
| ManuEducation | Personal accident | Families with children | Education savings plan, lump sum paid at age of majority or for studies. |
| ManuTerm Life | Personal accident | Individuals | Term life, death lump sum, premium fixed over the term. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation | Up to USD 50,000 / year | Manulife Health Plus Premium plan. |
| Critical illnesses | Up to USD 200,000 (lump sum) | — |
| All-cause death benefit | Customisable from USD 10,000 to USD 1,000,000 | — |
| Total permanent disability | Up to USD 100,000 | — |
| Education lump sum for children | Customisable | Paid at age 18, or in instalments depending on contract. |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Cambodia | Included | — |
| ASEAN | Included | Manulife Vietnam, Singapore, Indonesia, Philippines network. |
| Wider Asia (Hong Kong, Japan, China) | Included | — |
| Worldwide | Optional | Worldwide rider on Premium health. |
| USA / Canada | Excluded | Outside standard cover. |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation | Included | — |
| Outpatient medicine | Optional | — |
| Critical illnesses (cancer, stroke, heart attack) | Included | List of 40+ conditions, lump sum paid on diagnosis. |
| Maternity | Optional | 12-month waiting period. |
| Dental / optical | Excluded | — |
| Pre-existing conditions | Excluded | — |
| Suicide in the first year | Excluded | 12-month waiting period on death benefit. |
| 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
- Sen Sok International University Hospital — 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 Manulife Cambodia Official