AIA សម្រាប់សុខភាព* (AIA Samrab Sokapheab) is a health insurance solution for individuals or families that helps pay for medical expenses incurred by illness or accidents. This medical plan provides long-term protection with whole-life coverage, which means you face no worries even if diagnosed with a critical illness after being protected. Your medical plan guarantees renewability with coverage from $10,000 to $1.5 million and a range of benefits to ensure optimal wellbeing.
- Overview
- Benefits
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What is AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab)?
* AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) is a bundled package that includes AIA ចម្បង (AIA Chamborng) and the AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) rider that delivers life protection and medical solutions in one plan. Download brochure
Why is AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) your best option?
Good health is your wealth, and you deserve the best when it comes to safeguarding your health. This is why a comprehensive medical protection plan is so crucial. AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) provides you holistic solutions that take care of you from diagnosis to recovery while ensuring your out-of-pocket medical expenses are kept to a minimum.
The first whole-life medical plan in Cambodia
AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) supports medical expenses and long-term protection up to 100 years of age. This reinforces AIA Cambodia’s standing as the only insurer that guarantees renewability of your medical plan even if you fall seriously ill after been protected. We continuously ease your financial burden during difficult situations and when you need it most.
Our plan offers numerous benefits and financial assistance when your immediate needs include:
- Ease paying for medical bill on hospitalization & surgery costs, including daily room & board charges, meals, daily ICU benefit, prescriptions, professional charges, investigations, and miscellaneous medical charges.
- Surgical benefits
- Major organ/bone marrow transplants
- Emergency Medical Treatment due to accidents; this also covers accidental dental treatment and local road ambulance services
- Pregnancy complications
- A wide range of benefits depending on the selected package/plan
The first medical plan in Cambodia that rewards you for living healthy
A medical insurance plan should not only provide protection when you fall ill. AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) not only rewards you for being in good health and for not submitting claims, but also motivates you to continue taking care of your health. You can use this exclusive benefit to enhance preventive care measures that include health check-ups, vaccinations and dental care.
Let’s say you have an AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) health package with a $500,000 coverage. If you have not submitted any claims in 1 year, you will receive $150 in next year which you can spend on annual health check.
Quality hospital network in Cambodia and overseas
- Ease your out-of-pocket medical expenses with a minimum spend of 10%. AIA Cambodia covers all additional costs, with more than 100 local and international partner hospitals to choose from.
- AIA សម្រាប់សុខភាព (AIA Samrab Sokapheab) offers special value-added benefit that you can access to second medical opinion from overseas experts for serious conditions and medical guidance on the journey of diagnosis, treatment through recovery once you have been diagnosed with a serious medical condition.
Premium Renewal Notice for “AIA សម្រាប់សុខភាព”
We are delighted to inform you that regarding your “AIA ចម្បង and AIA សម្រាប់សុខភាព” policy renewal, we will notify to you 30 days prior to the renewal premium date via your AIA+ App and Telelegram or SMS. Upon payment of a renewal premium, you confirmed to continue and enjoy the coverage with us. For more details or if further consultation on the renewal is needed, please contact us via our Telegram AIACambodia_bot or your life planner or reach out to our AIA Hotline +855 86 999 242. Thank you!
We are committed to helping our customers live Healthier, Longer, Better Lives and would like to thank you again for choosing AIA Cambodia.
Frequently Asked Questions
A medical insurance plan could fund you in immediate financial need and protect your savings.
AIA Cambodia not only protects you from the medical treatment cost, but also rewards you for being in good health and motivate you to continue taking better care of your health. You can use this exclusive benefit to enhance preventive care measures that include health check-ups, vaccinations, dental care etc.
Yes, you can buy an AIA សម្រាប់សុខភាព family package and cover your family members under one (1) policy. This is subject to the product’s terms and conditions.
No. AIA continues to renew your policy even upon submission of a large number of medical expenses claims.
This is the maximum amount claimable by each Insured person throughout the lifetime of the coverage. The Lifetime Limit of AIA សម្រាប់សុខភាព is two (2) times the Overall Annual Limit.
Co-payment is a payment option applicable for selected plans and is the amount you bear to cover healthcare expenses. The co-payment amount is 10% of the medical expenses covered under AIA សម្រាប់សុខភាព.
You do not need to pay co-payment after reaching your out-of-pocket limit, which is on a per-disability basis. Per disability refers to any illness or injury from the same cause that includes any complications thereof.
A deductible is the amount of eligible expenses you need to cover yourself before any benefits become payable under this Policy in each policy year.
Example 1: if you bought AIA សម្រាប់សុខភាព with a deductible option of $5,000 for each policy year, you would have to cover the first $5,000 of eligible expenses before any Policy benefits become payable. Once the deductible amount of $5,000 is reached, AIA covers all eligible expenses for the rest of the year up to the Overall Annual Limit.
Example 2: you have a company medical plan with a $5,000 Annual Limit and would like to purchase an AIA សម្រាប់សុខភាព 150K Plan with a deductible option of $5,000 to top up your coverage. In this case, you can use the company medical plan to cover the first $5,000 of yearly eligible expenses. Once the deductible amount of $5,000 is reached, AIA covers all eligible expenses for the rest of the year up to the Overall Annual Limit.
Please contact AIA Client Care at +855 86 999 242 or our Telegram AIACambodia bot.
Alternatively, leave your details here to enable AIA Life Planners to contact you.
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Other Important information
If the claimant wishes to make a claim, he/she must send AIA the appropriate form and evidence within 90 calendar days from the occurrence of the covered event. To make a claim, login to AIA+ or contact Client Care at +855 86 999 242, our Telegram AIACambodia Bot, or seek support from AIA Life Planners.
Proof of evidence is a mandatory document to be submitted together with the claim form to AIA, for example: original receipt, medical certificate, medical discharge letter, and/or any related medical document. If the date of admission and the date of discharge are on the same day on the medical discharge letter or medical certificate, a summary MUST mention the Date and Time. All medical documents are to be obtained from a medical facility which is legally licensed to supply medical treatment in the country.
The claimant can apply for the claim if the claim event and medical treatment occurs during the policy’s effective period.