HEALTH AND PERSONAL ACCIDENT

Health and Personal Accident Insurance

hEALTH BENEFITS

In case of Hospitalization (due to Accident or illness)

LimitationPlan APlan B
Pre-HospitalizationMax 10 days$100$200
Post Hospitalization Max 90 days$100$200
Hospital General Fees Max per event $500$900
Out-patient Minor Surgery Max per event $500$700
In-patient Minor Surgery Max per event $1200$1800
Major Surgery Max per event $1500$2100
In-Hospital Doctor Visit Max 90 days$10$20
Ambulance Max per event $50$150
Room and Board Ordinary Max 90 days$15$25
Room and Board Intensive Care Max 21 days$100$200
Daily Cash Allowance at Governmental HospitalMax 90 days$10$15
Outpatient Services for Accidental Injury Max per event $100$300

hEALTH BENEFITS

In case of Hospitalization (due to Accident or illness)

Pre-Hospitalization

Limitation:

Max 10 days

Plan A:

$100

Plan B:

$200

Post Hospitalization

Limitation:

Max 90 days

Plan A:

$100

Plan B:

$200

Hospital General Fees

Limitation:

Max per event

Plan A:

$500

Plan B:

$900

Out-patient Minor Surgery

Limitation:

Max per event

Plan A:

$500

Plan B:

$700

In-patient Minor Surgery

Limitation:

Max per event

Plan A:

$1200

Plan B:

$1800

Major Surgery

Limitation:

Max per event

Plan A:

$1500

Plan B:

$2100

In-Hospital Doctor Visit

Limitation:

Max 90 days

Plan A:

$10

Plan B:

$20

Ambulance

Limitation:

Max per event

Plan A:

$50

Plan B:

$150

Room and Board Ordinary

Limitation:

Max 90 days

Plan A:

$15

Plan B:

$25

Room and Board Intensive Care

Limitation:

Max 21 days

Plan A:

$100

Plan B:

$200

Daily Cash Allowance at Governmental Hospital

Limitation:

Max 90 days

Plan A:

$10

Plan B:

$15

Outpatient Services for Accidental Injury

Limitation:

Max per event

Plan A:

$100

Plan B:

$300

PERSONAL ACCIDENT BENEFIT

LimitationPlan APlan B
Accidental Death/Disability ​Max per year$3000$5000

Accidental Death/Disability

Limitation:

Max per year

Plan A:

$3000

Plan B:

$5000

CHOOSE YOUR PERFECT PLAN

Basic coverage

Plan A
$ 80 per year
  •  

comprehensive coverage

Plan B
$ 120 per year
  •  

Basic coverage

Plan A
$ 80 per year
  •  

comprehensive coverage

Plan B
$ 120 per year
  •  

Voluntary Enrollment:

  • Child: 5 - 17 years old
  • Adult: 18 - 60 years old

Nationality:

  • Cambodian only

General Exclusions

  • Consequences of suicide and self-injury;
  • Death, disability causes by intentional actions of insured’s legal heir;
  • Consequences of war, terrorism, riots/demonstration, commit criminal act;
  • Consequences of quarrel;
  • Consequences of drugs or alcohol consumption. Note: based on police or health facility reports;
  • Consequences of Natural catastrophes, epidemics and pandemic declared by relevant authorities;
  • Death related to Human Immunodeficiency Virus (HIV);
  • Death related to pregnancy;
  • Professional sport related death, disability and injuries;
  • Traffic accident due to abusing country traffic rule.

Specific Exclusions for Health risk benefits

  • Inpatient treatment at a cabinet or nursing cabinet;
    • Physiotherapy, Cosmetic surgery, Plastic surgery, Skin diseases;
    • Congenital abnormally;
    • Chronic conditions and any complications thereof;
    • Blood transfusion/ Hemodialysis and Organ transplant;
    • Eye and dental treatments unless accidental injury;
    • Treatments performed by traditional healers;
    • Artificial Fecundation and infertility treatment;
    • Mobility aids or assistive devices for disabilities;
    • All services related to Maternity;
    • Pre-existing or chronic condition and any complication thereof;
    • Mental illness;
    • Sexual Transmitted Diseases, HIV/AIDS;
    • Preventive treatment/Prophylactic, Vaccination and medical check-ups;
    • Any services covered by national programs. E.g. (currently HIV, Tuberculosis, Leprosy);
    • Admission for Para-clinical Examination.