Insurance · Vehicle insurance
People & Partners Insurance
Vehicle insurance · Phnom Penh
People & Partners Insurance Plc. (PPI) is a Cambodian general insurer founded in 2009 and regulated by the Insurance Regulator of Cambodia (IRC). PPI covers the full non-life market: vehicle (motor, motorbike, fleet), home, travel, group health, personal accident, marine and freight, construction and engineering, as well as a business line for SMEs and large accounts. The company has historically made its name on vehicle cover (very active on long-term lease contracts and corporate fleets) and on group health employer contracts. For expats in Cambodia, PPI is regularly used via landlords and local employers who impose their partner; on an individual basis, expats tend to favour Forte or Infinity for motor and an international health insurer (April, Allianz Care, Cigna) for health. PPI runs a central head office in Phnom Penh and a few provincial branches. Distribution is also via several bancassurance partnerships, including Maybank Cambodia. Rates are competitive, particularly on vehicle fleets and group employer contracts. Documentation and customer service in English and Khmer; no French support. As with all unrated local insurers, reading the IRC annual report is recommended to assess solvency before subscribing.
Verified on
- Website
- https://www.peoplenpartners.com
- info@peoplenpartners.com
- Phone
- +855 23 224 224
- Languages
- EN KH
- Google Reviews
- 3.9 / 5 (55 reviews)
Address
PPI Building, No. 35, Street 214, Sangkat Boeung Raing, Khan Daun Penh, Phnom Penh
អគារ PPI ផ្ទះលេខ ៣៥ ផ្លូវ ២១៤ សង្កាត់បឹងរាំង ខណ្ឌដូនពេញ ភ្នំពេញ
Insurance types covered
Advantages & drawbacks
Advantages
- Competitive on fleets — Rates suited to companies with vehicle fleets.
- Maybank bancassurance — Accessible subscription for Maybank customers.
- Full multi-line cover — Motor, motorbike, home, business, freight, third-party liability.
- Provincial presence — A few branches outside Phnom Penh.
Drawbacks
- No independent rating — No AM Best / S&P rating.
- No French version — Documentation in EN / KM only.
- Limited health caps vs. international players — Suited to local care, not a replacement for an international health insurer.
- Limited digital customer service — Subscription and claims mainly in branch.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| Motor Insurance | Vehicle insurance | Individuals and fleets | Third-party liability, comprehensive, theft, broken glass. |
| Home Insurance | Home insurance | Owners and tenants | Fire, theft, water damage. |
| Travel Insurance | Travel insurance | Short-stay travellers | Medical, cancellation, baggage. |
| Personal Accident | Personal accident | Individuals | Accidental death / disability lump sum. |
| Group Health | Health insurance | Employers | Group plans, hospitalisation, outpatient. |
| Commercial Lines | Business insurance | SMEs and large accounts | Property, marine, engineering, professional liability. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation (group) | Up to USD 50,000 / year | — |
| Medical evacuation | Up to USD 30,000 | — |
| Vehicle third-party liability | Up to USD 50,000 | — |
| Home | Customisable | — |
| Travel | Up to USD 100,000 | — |
| Accident lump sum | Up to USD 100,000 | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Cambodia | Included | — |
| ASEAN | Included | — |
| Worldwide | Optional | — |
| USA / Canada | Excluded | — |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation | Included | — |
| Outpatient medicine | Optional | — |
| Maternity | Optional | — |
| Dental | Optional | — |
| Pre-existing conditions | Excluded | — |
| Driving without a licence | Excluded | — |
| Extreme sports | Excluded | — |
| COVID-19 | Included | — |
Partner medical network
- Royal Phnom Penh Hospital — Phnom Penh
- Sunrise Japan Hospital — Phnom Penh
- Sen Sok International University Hospital — Phnom Penh
- Naga Clinic — Phnom Penh
Sources (2)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.