• +855 183 183 123  
  • TK Royal No. 155, Phnom Penh, Cambodia. 
  • info@civil-safe.com
  •  

suitable crowd: 18-65 years old

suitable professions:level 1-5 only;For unclear profession level please contact us.

Period of insurance:1 year

Geographical limitation:Cambodia to worldwide

Sales area: employees of legally registered corporations in Cambodia

way of purchasing: Offline insurance

Policy form: paper policy

coverage:please read《Civil Safe Health+ Medical Insurance Policy》and pay extra attention to exclusions and definitions

Coverage Plan A Plan B Plan C

Daily Room and Board (Daily, Maximum 90 days in total)

Ordinary (Maximum 70 days)

Intensive Unit (Maximum 20 days)


$65
$200

$35
$120

$20
$65

Hospital Miscellaneous Fees (Max per disability)

$1000 $800 $600

Ambulance Services

$240 $160 $80

CT/MRI Scan

$200 $200 $200

Surgical Fees

$4000 $2400 $1600

In-Hospital Doctor Visits/ Nursing Care

$25 $18 $13

Pre-Hospitalization Service Fees

$240 $160 $80

Post-Hospitalization Service Fees

$80 $60 $50

Treatment of injuries due to Accidents

$360 $240 $150

Home Nursing

$200 $100 $50

Funeral Fees

$100 $100 $100

Annual Limit in aggregate/ Person

$1000 $7500 $5000
Coverage Coverage interpretation

Daily Room and Board (Daily, Maximum 90 days in total)

Ordinary (Maximum 70 days)

Intensive Unit (Maximum 20 days)

The actual room and boarding (including meals paid by the hospital) of the insured during hospitalization is limited to the agreed daily allowance amount

Hospital Miscellaneous Fees (Max per disability)

Reasonable and necessary medical expenses incurred during the hospitalization of the insured,including:

-Use of Operating Room;

-Drugs, Medicine, Dressings, Ordinary Splints, Plaster Casts, and Intravenous Infusions;

-Anesthesia and oxygen and its administration payable up to 30% of the reimbursable Surgical Fee;

-X-ray, Electrocardiograms, Basal Metabolism Test and other Laboratory Examinations and Tests;

-Administration and the cost of Blood or Blood Plasma;

-Physical Therapy;

Ambulance Services

The cost of ambulance service to and from the hospital when necessary.

CT/MRI Scan

The cost of computed tomography (CT) and magnetic resonance imaging (MRI) scans.

Surgical Fees

Reasonable and necessary medical expenses incurred by the insured for surgical treatment.

In-Hospital Doctor Visits/ Nursing Care

The expenses incurred by In-Hospital Doctor Visits/ Nursing Care during the period of hospitalization of the insured, up to the amount of the daily allowance agreed above.

Pre-Hospitalization Service Fees

Reasonable and necessary outpatient treatment for the disease during the 30 days prior to hospitalization or surgery.

Post-Hospitalization Service Fees

Reasonable and necessary medical expenses incurred within 30 days from the date of the insured's emergency treatment due to an accident.

Treatment of injuries due to Accidents

The necessary and reasonable expenses incurred by the insured to receive legal nurse practitioner services in his residence due to the objective needs of treatment.

Home Nursing

If the insured dies due to illness, disease or surgical operation, the funeral expenses shall be paid in the amount of the aforementioned stipend.

Funeral Fees

If the insured dies due to illness, disease or surgical operation, the funeral expenses shall be paid in the amount of the aforementioned stipend.

  • Can physical examination apply for claim?

    Expenses for medical examinations without a diagnosis of disease are not covered by this policy.

  • In which hospital can I get a claim for treatment?

    Medical institutions such as hospitals and clinics that are legally registered within the agreed territory are covered.

  • Does the medical bill cover treatment for pre-existing conditions?

    Cost of previous disease is excluded from the coverage. Please check our policy for details of pre-existing disease

  • Is the claim paid according to the sum insured?

    Medical insurance is a reimbursable product that compensates for reasonable medical expenses incurred for actual treatment within the scope of responsibility.

  • Is this insurance available for indivisuals?

    Healh+ Employee Benefit Medical Insurance is designed for corporations and has to be sold with Employee Accident Insurance. The policyholder must be any corporation that is legally registered in Cambodia.

For coverage please refer to Civil Safe Health+ Medical Insurance Policy and pay extra attention to exclusions and definitions.Medical insurance plans shall be purchased on the basis of personal accident insurance.

* Your personal information, data and privacy will not be provided to any unauthorized third parties.

Civil Safe is not only providing you a safeguard, but also a responsibility for the stability of the country and the people.