Insurance · Vehicle insurance
Phillip General Insurance
Vehicle insurance · Phnom Penh
Phillip General Insurance (Cambodia) Plc. is the Cambodian subsidiary of Phillip Capital, a Singaporean financial group founded in 1975 and present in 16 Asian countries with a broad perimeter (banking, brokerage, asset management, insurance). Active in Cambodia since 2013 (initially under the name Cambodia-Vietnam Investment Insurance, restructured and renamed Phillip General Insurance after Phillip Capital's arrival), the company covers all non-life lines: vehicle (motor, motorbike, fleet), home, travel, group health, personal accident, marine and freight, construction and engineering, and business for SMEs and large accounts. The company benefits from Phillip Capital's backing, with an S&P investment-grade rating at group level — a relatively rare financial-strength argument among local Cambodian insurers. For expats in Cambodia, Phillip General Insurance is regularly used for vehicle insurance and employer contracts (group health, professional liability), with distribution via Phillip Bank Cambodia (the same group's bancassurance subsidiary). Competitive rates, modest digital presence. Documentation and customer service in English and Khmer; no French version. Phillip General Insurance is regulated by the IRC and approved by the GDLT to issue the vehicle insurance certificate at registration.
Verified on
- Phone
- +855 23 999 077
- Languages
- EN KH CN
- Google Reviews
- 4.0 / 5 (70 reviews)
Address
PhillipBank Building, No. 27DEF, Monivong Boulevard, Sangkat Srah Chork, Khan Daun Penh, Phnom Penh
អគារ Phillip Bank ផ្ទះលេខ ២៧DEF មហាវិថីព្រះមុនីវង្ស សង្កាត់ស្រះចក ខណ្ឌដូនពេញ ភ្នំពេញ
Insurance types covered
Advantages & drawbacks
Advantages
- Phillip Capital backing — Singaporean financial group with S&P investment-grade rating — above-average local solidity.
- Phillip Bank bancassurance — Smooth subscription for bank customers.
- Full multi-line cover — Motor, motorbike, home, business, marine, third-party liability.
- Trilingual EN / KM / ZH — Suited to Sino-Khmer clientele.
Drawbacks
- No French version — Documentation in EN / KM / ZH.
- Modest digital presence — Subscription mostly in branch.
- Limited health caps vs. international players — Suited to local care, not a replacement for international expat health cover.
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, third-party liability. |
| 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. |
| Commercial Lines | Business insurance | SMEs and large accounts | Property, marine, engineering, professional liability. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation (group) | Up to USD 60,000 / 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 | — |
| Wider Asia | Optional | — |
| 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
- 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.