Are you an expat living in Cambodia and wondering how much health insurance will cost you?
With Cambodia’s low cost of living and affordable healthcare, many expats assume they can pay out of pocket for medical expenses. While basic treatments at public hospitals are inexpensive, private hospitals and emergency care can be costly, especially for serious conditions.
Having a comprehensive health insurance plan ensures you have access to the best private hospitals in Phnom Penh, Siem Reap, and Sihanoukville, along with international coverage if you need treatment outside of Cambodia.
How Much Does Expat Health Insurance Cost in Cambodia?
The cost of expat health insurance in Cambodia depends on several factors, including:
Age – Premiums increase with age, especially for expats over 50.
Coverage Level – Basic plans cover hospitalization, while comprehensive plans include outpatient care, dental, and maternity.
Pre-Existing Conditions – Some insurers offer coverage for pre-existing conditions at an additional cost.
Treatment Area – Plans covering only Southeast Asia are cheaper, while global coverage (including the U.S.) increases costs.
While Cambodia has lower healthcare costs than neighboring countries like Thailand or Singapore, expats seeking private healthcare will find that international insurance is essential. Many top hospitals, such as Royal Phnom Penh Hospital and Bangkok Hospital Phnom Penh, require proof of insurance or upfront payment before providing treatment.
Estimated Monthly Costs for Expat Health Insurance in Cambodia
| Age Group | Basic Plan (Hospitalization Only) | Mid-Tier Plan (Inpatient + Outpatient) | Premium Plan (Comprehensive Coverage) |
|---|---|---|---|
| 35–39 | $1,240 | $2,130 | $2,930 |
| 40–44 | $1,440 | $2,440 | $3,360 |
| 45–49 | $1,640 | $2,800 | $3,750 |
| 50–54 | $1,840 | $3,120 | $4,260 |
| 55–59 | $2,400 | $3,890 | $5,350 |
| 60–64 | $3,030 | $4,960 | $7,090 |
| 65–69 | $4,060 | $6,630 | $9,480 |
| 70–74 | $5,310 | $8,840 | $12,570 |
Note: Prices vary based on coverage level, insurer, and individual health factors.
Expat Insurance Rate Calculator
Why Expats in Cambodia Need Health Insurance
Private Hospital Access: Cambodia’s public healthcare system is limited, and private hospitals often require upfront payment for treatment. Health insurance ensures you can access quality care without financial stress.
Medical Evacuation Coverage: While Cambodia has improved medical facilities, some expats prefer treatment in Thailand or Singapore for complex conditions. Insurance plans with evacuation coverage cover transport to a better-equipped hospital when needed.
Visa Requirements: Some long-term visa options may require proof of health insurance. Even if not mandatory, many expats prefer the peace of mind of knowing they’re covered.
Protection Against High Costs: While routine doctor visits are affordable, major surgeries, specialist care, and ICU stays can cost thousands of dollars—insurance prevents unexpected financial burdens.
Get a Personalized Quote from us
Since health insurance costs depend on your age, health history, and coverage preferences, the best way to find the right plan is to get a personalized quote.
At Expat Health Group, we help expats in Cambodia find affordable, comprehensive coverage that fits their lifestyle and budget.
- Coverage for top private hospitals in Cambodia
- Flexible options for Southeast Asia or global coverage
- Affordable plans with inpatient, outpatient, and evacuation benefits
Don’t wait until an emergency happens—get protected today!