Insurance · Health insurance
Prudential Cambodia
Health insurance · Phnom Penh
Prudential (Cambodia) Life Assurance Plc. is the Cambodian subsidiary of Prudential plc, a British group founded in 1848 and listed in London and Hong Kong, which has operated exclusively in Asia and Africa since the 2021 demerger (M&G having taken over the European business). Active in Cambodia since 2013, Prudential is one of the country's three dominant international life insurers, alongside AIA and Manulife. The offer focuses on life insurance, long-term savings, critical-illness protection, education and retirement; health is offered as additional cover ("PRUHealth Plus"). Prudential stands out for a particularly dense agent network ("PRU Agency Force") and several bancassurance agreements, including an exclusive partnership with Acleda Bank — Cambodia's largest bank by number of branches — which makes Prudential available right into the provinces. For expats, Prudential leans on regional portability (present in 24 Asia + Africa markets, including Vietnam, Singapore, Hong Kong, Indonesia, Thailand, Philippines) and group strength (A+ rating at S&P). The company is regulated by the IRC and publishes an annual solvency report. Like Manulife and AIA, the Prudential health block remains positioned as a complement to a life policy; for full-scale international expat health cover, it is advisable to also take out April, Allianz Care, Cigna or equivalent. Documentation is in English and Khmer; no local French support.
Verified on
- Website
- https://www.prudential.com.kh
- Phone
- +855 23 964 222
- Languages
- EN KH
- Google Reviews
- 3.9 / 5 (240 reviews)
Address
Floor 22 & 23, Prudential Plaza, No. 445, Russian Federation Boulevard, Phum Tuek Thla, Sangkat Tuek Thla, Khan Sen Sok, Phnom Penh 12101
ជាន់ ២២ និង ២៣ Prudential Plaza លេខ ៤៤៥ មហាវិថីសហព័ន្ធរុស្ស៊ី សង្កាត់ទឹកថ្លា ខណ្ឌសែនសុខ ភ្នំពេញ
Insurance types covered
Advantages & drawbacks
Advantages
- Acleda Bank network — Bancassurance through Cambodia's largest bank — available throughout the provinces.
- Asia + Africa portability — 24 Prudential markets, contract transfers possible.
- Strength of the British group — A+ rating (S&P) at Prudential plc level.
- USD plans — Savings and death benefit in dollars.
Drawbacks
- Not an international health insurer — Complementary and limited health block — to be topped up with April / Allianz / Cigna.
- No French version — Documentation and customer service in English / Khmer.
- Agent-intensive distribution — Sales pressure felt depending on the adviser.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| PRUHealth Plus | Health insurance | Individuals and families | Hospitalisation, outpatient care, critical illnesses — complement to a life policy. |
| PRUWealth | Personal accident | Individuals and families | Universal USD savings with guaranteed death benefit. |
| PRUEarly Stage Crisis Cover | Personal accident | Individuals | Critical illnesses detected early — partial lump sum paid from the early stage. |
| PRUTerm | Personal accident | Families with debts / commitments | Term life, fixed premium, death lump sum. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation | Up to USD 50,000 / year | — |
| Critical illnesses | Up to USD 250,000 (lump sum) | Early stage + advanced stage combined. |
| All-cause death benefit | Customisable USD 10,000–1,500,000 | — |
| Total permanent disability | Up to USD 100,000 | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Cambodia | Included | — |
| ASEAN | Included | — |
| Wider Asia | Included | — |
| Worldwide | Optional | Worldwide health rider. |
| USA / Canada | Excluded | — |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation | Included | — |
| Critical illnesses (50+ conditions) | Included | — |
| Outpatient care | Optional | — |
| Maternity | Optional | — |
| Dental / optical | Excluded | — |
| Pre-existing conditions | Excluded | — |
| Suicide in the first year | 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
Sources (2)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.
- Site officiel Prudential Cambodia Official