Health insurance in Cambodia
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Why get private health insurance in Cambodia?
Cambodia's public healthcare won't cover you as a foreigner, unless you're employed locally with a work permit and enrolled in the national scheme. And even then, anything serious usually means a medical flight to Bangkok or Singapore. Without insurance, the bills are yours: a private doctor's visit costs around KHR 330,000 (€70), and a night in hospital costs KHR 1.3 million (€250).
How does the healthcare system work in Cambodia?
NSSF: Cambodia's National Social Security Fund
Cambodia's public health scheme is called the NSSF. It only covers foreigners who are formally employed in Cambodia and hold a valid work visa and work permit. Retirees, students, job seekers, and tourists aren't eligible. One more thing worth knowing: reliable English-speaking care is concentrated in Phnom Penh and Siem Reap.
Cambodian pharmacies & medication
Pharmacies are easy to find in Phnom Penh and Siem Reap, and the bigger chains have English-speaking pharmacists. Prescription rules aren't enforced, so strong medication is often sold over the counter. Convenient, but it comes with counterfeit risk. Stick to the large chains or hospital pharmacies to be safe.
Emergency services in Cambodia
The national ambulance number is 119, but it's unreliable, and city traffic can hold an ambulance up for an hour. Most expats call a private hospital directly instead; the major international hospitals in Phnom Penh run their own ambulance fleets. For what the local hospitals can't handle, you'll be flown to Bangkok or Singapore. Without insurance, that costs KHR 260 million (€55,000).
What expats need health insurance?
Digital nomads
Cambodia doesn't have a digital nomad visa, so most remote workers stay on rolling business visas. No local employer means no public coverage, and a serious illness could mean an expensive evacuation flight.
Retirees
On a retirement visa? You're not required to have insurance, but you get no public coverage either. A few nights of heart tests at a private hospital can cost around KHR 22 million (€5,000).
Families
The best pediatric care is at a handful of private hospitals in Phnom Penh. A routine children's ER visit costs around KHR 1.1 million (€250), and complicated cases run KHR 4 million (€900).
Gap year & job seekers
Job hunting in Cambodia? Without an employer, you can't join the public scheme — and there's no safety net for foreigners.
Students
Student visas don't come with an insurance requirement, but most reputable international universities ask for proof of private coverage before you can enroll.
Visa applicants
No Cambodian visa requires health insurance: tourist, work, retirement, student, etc. We wouldn't skip it, though: an emergency evacuation alone can cost tens of thousands.
Get global health insurance that works in Cambodia
Plans from €42/month. Sign up online in minutes.
How much is health insurance in Cambodia?
It depends on three things: Your age, desired level of coverage, and whether you opt for public or private.
Public healthcare in Cambodia
If you're formally employed in Cambodia, your employer pays your NSSF contributions. You pay nothing. Sounds good, but reimbursements are capped well below what expat clinics actually charge, so you'd still cover most of the bill yourself. And if you're not employed locally, you get nothing at all.
Private medical insurance
Feather's international plans start at €42/month for solid inpatient cover, with comprehensive options that add outpatient care, dental, mental health, maternity, and, crucially for Cambodia, medical evacuation to Bangkok or Singapore.
Visa & health insurance requirements for Cambodia
No Cambodian visa requires health insurance. But the public system can't handle serious cases for foreigners, and an evacuation is expensive. No requirements, but real risk.
Fits all visas
Whatever visa you're on — work, retirement, student, job seeker — both Feather plans give you more than enough cover.
Documents ready when you sign up
All your documents (proof of coverage, English certificates) land in your account instantly.
How does Feather's international health insurance work?
Choose your plan
Compare Essential and Plus, pick your deductible, and sign up in under 5 minutes. No paperwork, no medical exams.
Get your documents instantly
Your confirmation and visa-ready proof-of-coverage documents land in your account straight away.
Visit any doctor
See any licensed doctor, specialist, or hospital in Cambodia. No referrals, no network restrictions, no pre-approval.
Upload your bill in the app
Already paid? Open the Feather app, snap a photo of your invoice, and submit your claim in under a minute.
Get reimbursed to your account
We review your claim and reimburse you directly to your bank account. Most claims are processed within two weeks.
Cancel anytime after year one
There's a one-year minimum term. After that, cancel whenever you want. No penalties.
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Why choose Feather?
200,000+ happy customers
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