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# AG Insurance Broker (Cambodia) Co., Ltd.: Insurance Broker in Cambodia since 2006

## Sitemaps
[XML Sitemap](https://www.agcambodia.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Having a Baby in Cambodia: What Parents Need to Know About Care, Costs, and Coverage](https://www.agcambodia.com/having-a-baby-in-cambodia-what-parents-need-to-know-about-care-costs-and-coverage/): Cambodia has made remarkable progress in maternal health over the past two decades. But behind that national success story sits a very practical question for every expecting family: where you deliver, and how you're covered, still makes a big difference.
- [Bringing Your Pet to Cambodia? Here’s What You Need to Know](https://www.agcambodia.com/bringing-your-pet-to-cambodia-heres-what-you-need-to-know/): Read more here: https://wondersofcambodia.com/life-bringing-your-pet-to-cambodia-what-future-residents-need-to-know/
- [How much is Car Insurance in Cambodia?](https://www.agcambodia.com/do-you-really-need-car-insurance-in-cambodia/): If you've recently bought a car in Cambodia, or you're planning to, you may be wondering whether car insurance is really necessary.
- [Heart Disease, Hypertension and Diabetes: A Growing Health Challenge in Cambodia](https://www.agcambodia.com/heart-disease-hypertension-and-diabetes-a-growing-health-challenge-in-cambodia/): Cambodia is facing a growing health challenge that often receives less attention than infectious diseases. According to health experts, non-communicable diseases (NCDs) such as heart disease, hypertension, and diabetes are rising rapidly across the country and are becoming a major concern for both public health authorities and healthcare providers.
- [Foreigners Renting and Riding Scooters in Cambodia Without a Valid Motorcycle Licence](https://www.agcambodia.com/foreigners-renting-and-riding-scooters-in-cambodia-without-a-valid-motorcycle-licence/): For foreigners in Cambodia, the legal picture is narrower than the rental market makes it look. Under Cambodia’s Road Traffic Law, riders of motorcycles under 125cc do not need a Cambodian driving licence, but riders of 125cc and above do. Foreigners who lawfully live in Cambodia and wish to drive are directed by Article 45 to obtain a Cambodian licence unless a bilateral or multilateral recognition arrangement applies. In practice, this means the strongest legal position for a foreigner is either riding a sub-125cc scooter or converting a home licence into a Cambodian one through the Ministry of Public Works andTransport (MPWT).
- [Understanding the National Social Security Fund (NSSF) in Cambodia](https://www.agcambodia.com/understanding-the-national-social-security-fund-nssf-in-cambodia/): The National Social Security Fund (NSSF) is Cambodia’s official social protection system designed to support workers and their families. While still developing, it plays an increasingly important role in the country’s healthcare, workplace safety, and retirement landscape.
- [Car Insurance in Cambodia: Why Talking to a Broker First Might Be Your Best Move](https://www.agcambodia.com/car-insurance-in-cambodia-why-talking-to-a-broker-first-might-be-your-best-move/): Someone on Reddit put it well recently: *"I am not comfortable picking based off Google."* If you've just arrived in Cambodia and started poking around for car insurance, that probably resonates.
- [Health Insurance Cambodia Price: What to Expect in 2026](https://www.agcambodia.com/health-insurance-cambodia-price-what-to-expect-in-2026/): If you're living in Cambodia or planning to move here, one of the first questions you may ask is: How much does health insurance cost in Cambodia?
- [Is Mandatory Third-Party Car Insurance Coming to Cambodia?](https://www.agcambodia.com/is-mandatory-third-party-car-insurance-coming-to-cambodia/): The Cambodian government is reportedly considering making third-party motor insurance mandatory for all vehicles.
- [Work Permit & Business Visa?](https://www.agcambodia.com/work-permit-business-visa/): Most foreigners working or earning income in Cambodia enter with a Category E (EB) visa — commonly referred to as a business visa. This visa is not a work permit itself. It only gives you permission to stay in the country for work or business purposes.
- [Is Cambodia Safe to Visit or Live In?](https://www.agcambodia.com/is-cambodia-safe-to-visit-or-live-in/): Cambodia remains a safe and welcoming country for expatriates, tourists, and long-term residents.
- [Understanding Tax Residency for Foreigners in Cambodia](https://www.agcambodia.com/understanding-tax-residency-for-foreigners-in-cambodia/): — And Why Declaration Is Essential
- [What Happens If my Driver’s License Expires in Cambodia?](https://www.agcambodia.com/what-happens-if-my-drivers-license-expires-in-cambodia/): If you're living in Cambodia, keeping your documents in order—especially your driver’s license—is essential. Whether you’re a long-term expat or a local resident, knowing the ins and outs of license renewal can save you time, money, and hassle.
- [Retiring in Cambodia: A Guide for Expats](https://www.agcambodia.com/retiring-in-cambodia-a-guide-for-expats/): One of the key advantages of retiring in Cambodia is its low cost of living. Housing, utilities, transportation, food, and entertainment are generally much more affordable than in many Western countries. Living costs vary depending on your location and lifestyle, with Phnom Penh being slightly more expensive than other areas.
- [Why Kampuchea Paramed is Revolutionizing Healthcare in Cambodia](https://www.agcambodia.com/why-kampuchea-paramed-is-revolutionizing-healthcare-in-cambodia/): Founded in 2020 by three experienced French-certified nurses, Kampuchea Paramed specializes in home-based medical care and healthcare services tailored to individuals, families, and businesses. Their mission is to provide world-class healthcare while improving local health systems and nursing standards in Cambodia.
- [The Crucial Role of the Institut Pasteur du Cambodge in Strengthening Cambodia’s Agri-Food Sector](https://www.agcambodia.com/the-crucial-role-of-the-institut-pasteur-du-cambodge-in-strengthening-cambodias-agri-food-sector/): Cambodia’s agriculture sector is key to its economic growth, but achieving international standards for food safety remains a challenge. Thanks to the collaboration between Australia and the Institut Pasteur du Cambodge (IPC), supported by the CAPRED program, local businesses now have access to ISO 17025-accredited testing services. These labs will test for pesticide, antibiotic, and heavy metal residues, enhancing product safety and quality.
- [Common Health Risks in Southeast Asia](https://www.agcambodia.com/common-health-risks-in-southeast-asia-and-why-comprehensive-health-insurance-is-crucial-for-travelers-and-expats/): In this guide, we’ll explore some of the most common health risks in Southeast Asia, discuss why health insurance is essential, and provide tips for staying healthy while enjoying your adventure in this part of the world.
- [Prendre sa retraite au Cambodge : Un guide pour les expatriés](https://www.agcambodia.com/prendre-sa-retraite-au-cambodge-un-guide-pour-les-expatries/): L’un des grands avantages de la retraite au Cambodge est son faible coût de la vie, comparé à l’Occident.
- [L’assurance pour les véhicules sera bientôt obligatoire](https://www.agcambodia.com/lassurance-pour-les-vehicules-sera-bientot-obligatoire/): Le Régulateur des Assurances du Cambodge (IRC) a annoncé cette semaine que l'assurance obligatoire pour les véhicules sera "bientôt" mise en vigueur, ouvrant la voie à des compensations obligatoires en cas d'accident.
- [Exigences en matière d’assurance santé pour voyager au Cambodge](https://www.agcambodia.com/exigences-en-matiere-dassurance-sante-pour-voyager-au-cambodge/): Depuis 2022, le Cambodge a assoupli ses conditions d'entrée, et l'assurance santé de voyage n'est plus obligatoire pour les visiteurs. Auparavant, en raison de la pandémie de Covid-19, tous les voyageurs devaient souscrire une assurance voyage.
- [Do I Need Travel Insurance for Cambodia?](https://www.agcambodia.com/do-i-need-travel-insurance-for-cambodia/): As of 2022, Cambodia has relaxed its entry requirements, and travel health insurance is no longer mandatory for visitors. Previously, due to the Covid-19 pandemic, all travelers were required to have travel insurance.
- [Understanding Insurance in Cambodia: A Beginner’s Guide](https://www.agcambodia.com/understanding-insurance-in-cambodia-a-beginners-guide/): Introduction
- Briefly introduce the importance of insurance.
- Mention the unique context of Cambodia's insurance landscape.
- State the objective of the post: to provide a clear and simple guide for beginners.
Section 1: What is Insurance?
- Definition: Explain the basic concept of insurance.
- Purpose: Describe the primary purpose of insurance – risk management and financial protection.
- **Types of Insurance:** List and briefly define the main types of insurance (health, life, auto, property, travel, etc.).
Section 2: The Importance of Insurance in Cambodia
- Economic Context: Discuss the economic environment in Cambodia and how insurance fits into it.
- Risk Factors: Highlight common risks faced by individuals and businesses in Cambodia (e.g., health issues, natural disasters, accidents).
- Financial Security: Explain how insurance provides financial security and peace of mind.
Section 3: Overview of the Insurance Market in Cambodia
- History and Development:** Brief history of the insurance market in Cambodia.
- Regulatory Body: Mention the regulatory authorities overseeing insurance in Cambodia.
- Key Players: Introduce major insurance companies operating in Cambodia, including AG Cambodia.
Section 4: Common Types of Insurance Policies
- Health Insurance: Coverage, benefits, and why it's important.
- Life Insurance: Different types (term, whole, etc.), benefits, and considerations.
- Auto Insurance: Legal requirements, coverage options, and benefits.
- Property Insurance: Types of property insurance, what they cover, and their importance.
- Travel Insurance: Coverage and why it's essential for travelers.
Section 5: How to Choose the Right Insurance Policy
- Assess Your Needs: Steps to evaluate personal or business insurance needs.
- Compare Policies:Tips on comparing different insurance policies and providers.
- Seek Professional Advice:** The importance of consulting with insurance brokers like AG Cambodia.
### **Section 6: Understanding Insurance Terms and Conditions**
- **Key Terminologies:** Explain common insurance terms (premium, deductible, coverage limit, etc.).
- **Reading Policies:** Tips on understanding and interpreting policy documents.
- **Exclusions and Limitations:** Highlight the importance of being aware of policy exclusions and limitations.
### **Section 7: The Role of Insurance Brokers**
- **What Brokers Do:** Explain the role of insurance brokers in helping clients find the best policies.
- **Advantages:** Benefits of using a broker, such as expertise, access to multiple policies, and personalized service.
- **AG Cambodia's Services:** Briefly introduce the services offered by AG Cambodia and how they can assist clients.
### **Conclusion**
- Summarize the key points discussed in the post.
- Reinforce the importance of understanding and having the right insurance.
- Encourage readers to take the next step, whether it's assessing their insurance needs or consulting with AG Cambodia.
### **Call to Action**
- Invite readers to contact AG Cambodia for personalized insurance advice.
- Provide contact information or a link to schedule a consultation.
- Encourage readers to follow AG Cambodia on social media for more insurance tips and updates.
### **Additional Resources (Optional)**
- Links to related articles or resources on the AG Cambodia website.
- Contact details for further inquiries.
---
This plan provides a comprehensive guide to creating an informative and engaging blog post that will help beginners understand the basics of insurance in Cambodia.
- [Navigating the Complexities of Death in Cambodia: A Comprehensive Guide](https://www.agcambodia.com/navigating-the-complexities-of-death-in-cambodia-a-comprehensive-guide/): Death is a challenging and inevitable part of life, and dealing with it in a foreign country adds layers of complexity. Cambodia, with its rich cultural heritage and distinct legal framework, has specific protocols and practices for handling death. Here’s a detailed guide to help you navigate this difficult process.
- [Introduction to Insurance Needs in Cambodia: A Must-Have for Peace of Mind](https://www.agcambodia.com/introduction-to-insurance-needs-in-cambodia-a-must-have-for-peace-of-mind/): Whether you're an expatriate planning to move to Cambodia, a long-term resident, or a traveler embarking on a short visit, understanding and addressing your insurance needs is paramount. In a country that is as vibrant and dynamic as Cambodia, being prepared for the unexpected with reliable health and travel insurance isn't just a safety net—it's a necessity for peace of mind.
- [Buying residential apartment in Cambodia requires to have fire insurance for property?](https://www.agcambodia.com/buying-residential-apartment-in-cambodia-requires-to-have-fire-insurance-for-property/): In order to reduce the risk of a potential loss, insurance is a type of risk management. It is described as the fair assignment of loss risk from one organization to another in return for a premium. Insurance comes in a variety of forms, including life, health, disability, casualty, and property. and the insurer of the insured property is discussed in this article.
- [Why Is It Important To Have Home Insurance?](https://www.agcambodia.com/why-is-it-important-to-have-home-insurance/): The house you live in is one of your most valuable possessions. You love it for all of its memories and comforts. The most important thing you can do is to ensure that it is completely secure.  In spite of the best security measures, there is always the possibility of theft, damage, and natural disasters, particularly fire, that we can never fully prevent. There are many ways in which these things can affect our lives and destroy our homes. 
- [What to do if you have Covid-19 in Cambodia](https://www.agcambodia.com/what-to-do-if-you-have-covid-19-in-cambodia/): **To the information that we have received from the Government, people will not be accepted to do Covid-19 test if they go directly to Pasteur without acknowledgement of the Government’s agency. The first monitoring is at Soviet Hospital only. **
- [Corona Virus (COVID-19) in Cambodia](https://www.agcambodia.com/corona-virus-covid-19-in-cambodia/): Did you know ?
- [A new medical center: ADVANCE EUROPEAN MEDICARE CENTER  (AEMC)](https://www.agcambodia.com/a-new-medical-center-advance-european-medicare-center-aemc/): This facility will work with their usual partners:
- [Cabinet Medical Francais – Dr Sebban](https://www.agcambodia.com/doctor_sebban_cabinet-medical/): Michel Sebban
- [Poe-ma closes its Cambodian branch](https://www.agcambodia.com/poe-ma-closes-its-cambodian-branch/): After more than 10 years in Cambodia, Poe-ma Assurances has chosen to stop its activities in the Kingdom. Poe-ma Cambodia passes all of its portfolio to AG Insurance Broker on the first of October this year. Nothing changes for our clients, their insurance contracts will be managed by the successful team of AG Insurance Broker. Founded in 2006 by Mr. David Treal, AG Insurance Broker is today the 1st brokerage firm in Cambodia. Like Poe-ma Cambodia, AG Insurance Broker is a French broker who provides specialized advice with local and international solutions, facilitating the management of your contracts and reimbursements and assisting you in the management of your claims. Poe-ma insurances Group thanks its customers and partners for their trust during these ten years.
- [Pharmacie de la gare](https://www.agcambodia.com/pharmacie-de-la-gare/): The "Pharmacie de la Gare" in Phnom Penh has been regarded as the most trustworthy drug vendor in the kingdom for several decades now. And rightfully so ! They had probably the most competent doctors and pharmacists, along with a wide selection of medicines and drugs, sometimes unavailable elsewhere in the country.
- [Sen Sok Hospital](https://www.agcambodia.com/sen-sok-hospital/): Sen Sok International University Hospital is the first International level hospital, run by the highly skilled and well experienced Physicians and Surgeons. All the facilities that you can expect from a hospital of the developed world; you can easily find them in the SSIUH. The prices are competitive with any other hospital in Cambodia and you will feel like a home environment in our hospital. The hospital houses 250 beds capacity, high-tech equipments, Laboratory, Pharmacy and makes use of the outstanding technology in the medical field and is well supported by a highly wholehearted, committed, competent and skilled medical team.
- [Calmette Hospital : the dean of hospitals](https://www.agcambodia.com/calmette-hospital-dean-hospitals/): Calmette Hospital – located on Monivong boulevard, near the French Embassy - remains the principal destination for road accidents. This hospital has greatly improved its service, noticeably with the introduction of its VIP wing and its "heart and cardio vascular" unit.
- [Is the Water Festival a safe event?](https://www.agcambodia.com/water-festival-safe-event/): The Water Festival, is a national event, taking place once a year, at the end of the raining season. It used to be a Phnom Penh event, as the King oversees the celebrations, but now has a sister event in Siem Reap. The main event is a boat racing, among districts and provinces.
- [Khema Clinic in Phnom Penh, Cambodia](https://www.agcambodia.com/khema-clinic-in-phnom-penh/): Khema Clinic opened their first medical unit in Toul Kork, on the outskirt of Phnom Penh, providing expertise in general surgery.
- [Doctor Garen and the Naga Clinic](https://www.agcambodia.com/doctor-garen-and-the-naga-clinic/): Founded in 1998 by a French Doctor, Mr Jean Claude Garen, the clinic remains among the most trusted establishment in the capital. The clinic has continuously been under his direction ever since. Moreover, he is the official doctor of French Embassy in Cambodia. In 2015, Dc Garen has been granted "Chevalier de la Légion d’Honneur" by the French Ambassador, for his remarkable medical work for Cambodians and French residents alike. View more at here
- [Information On Health Insurance In Cambodia](https://www.agcambodia.com/information-on-health-insurance-in-cambodia/): Whether you have decided to relocate to the country Cambodia or you are in search of a new type of international health insurance, it is very important to know what is available in relation to insurance provisions as well as information on the country's facilities and medical care.
- [Why should you insure your property?](https://www.agcambodia.com/why-should-you-insure-your-property-owners-tenants-alike/): In Cambodia, as a tenant (lessee) you are legally responsible for any loss and damages occurring to the property of your landlord (lessor) -  unless the lease agreement specifically states otherwise). Therefore, in order to avoid costly compensation from your ex-landlord, it is best to insure your apartment or business. The insurance premium should at least cover the construction value of the property. Of course you may want to include your personal  belongings and the furniture and appliances. The insurance company will cover any loss and damage to property when it is caused by fire, explosion, windstorm, water & flood and even vehicle impact . If you are the owner of a property in Cambodia we would also strongly advice on insuring your investment. Whether it concerns a building, a house, a factory or a condominium, against the same accidents. Considering environment, where safety procedures and construction standards are not being enforced at all level, your property is at greatly at risk.
- [Traffic in Cambodia. What you need to know](https://www.agcambodia.com/traffic-in-cambodia-what-you-need-to-know/): Third Party Liability is the most critical risk as third party has usually the favor of authorities against foreigner car. Therefore in order to avoid high indemnity costs from Third party it is very important to be insuring your car while driving in Cambodia. In case of accident call immediately the insurer 24/7 hotline for assistance. Stay in your car and wait for the claim officer to assist you with the police and third party . Don’t be surprised if the police request to impound your car until the claim is resolved and closed . Therefore it may take several days before the insurer and third party reach an agreement and finally release your car.

## Pages
- [Thank you](https://www.agcambodia.com/general-insurance-in-cambodia/business-property-insurance-in-cambodia/thank-you/): We will review your request and revert back to you in the shortest time.
- [Business Property Insurance in Cambodia](https://www.agcambodia.com/general-insurance-in-cambodia/business-property-insurance-in-cambodia/): general insurance - corporate insurance
- [Corporate Fleet insurance](https://www.agcambodia.com/general-insurance-in-cambodia/corporate-fleet-insurance/): general insurance - corporate insurance - vehicle
- [Professional Indemnity](https://www.agcambodia.com/professional-indemnity/): When clients rely on your professional advice, expertise or services, an error can become a financial claim. Professional Indemnity Insurance protects businesses and professionals against claims alleging negligence, mistakes, omissions or a failure to deliver professional services as expected.
- [the 4 types of insurance in Cambodia](https://www.agcambodia.com/the-4-types-of-insurance-in-cambodia/): Covers medical expenses such as hospitalization, surgery, consultations, or emergency evacuation.Examples:
- [Insurance companies in Cambodia in 2026](https://www.agcambodia.com/insurance-companies-in-cambodia-in-2026/): There are quite a few insurance companies operating in the kingdom.  
- [Thank you](https://www.agcambodia.com/ag-is-turning-20/thank-you/): for registering to our event, we are looking forward to seeing you on March 06!
- [AG is turning 20](https://www.agcambodia.com/ag-is-turning-20/):   ag is turning20062026!
- [Blogs](https://www.agcambodia.com/blogs/)
- [quote](https://www.agcambodia.com/quote/): Thank you very much for your interest in our insurance offers. We are studying your plans. You can contact our representatives:
- [Policy](https://www.agcambodia.com/policy/): Last updated: September 2025
- [LUMA – Health Insurance](https://www.agcambodia.com/health-insurance-cambodia/long-term-insurance-cambodia-for-expats/luma-health-insurance/): Inpatient and day-case hospitalisation
- [APRIL – Health Insurance](https://www.agcambodia.com/health-insurance-cambodia/long-term-insurance-cambodia-for-expats/april-health-insurance/): Every APRIL  plan includes this essential module by default.
- [Medevac – Medical Evacuation from Cambodia](https://www.agcambodia.com/medevac-medical-evacuation-from-cambodia/): Medevac is short for medical evacuation
- [ACS – Health Insurance](https://www.agcambodia.com/health-insurance-cambodia/long-term-insurance-cambodia-for-expats/acs-health-insurance/): Every ACS Expat plan includes this essential module by default.
- [Glossary – Terms explained](https://www.agcambodia.com/glossary-terms-explained/): A Accident – An unforeseen and unintentional event resulting in injury, loss, or damage. Act of God – A natural event (such as floods, earthquakes, or storms) that is beyond human control and not caused by negligence. Actual Cash Value (ACV) – The value of an insured item at the time of loss, taking depreciation into account. Adjuster (Claims Adjuster) – A professional who assesses insurance claims to determine the amount the insurer should pay. Agent – A person or company authorized to sell insurance policies on behalf of an insurer. Annuitant – The person who receives payments from an annuity contract. Annual Limit – The maximum amount an insurance policy will pay for covered claims in a given year. Applicant – The person or entity applying for an insurance policy. Assessor – A professional who evaluates property damage and loss for insurance purposes. Asset – Any valuable property or resource that an individual or business owns and can insure. Assurance – A term often used interchangeably with "insurance," particularly in life insurance. Auto Insurance – Coverage that protects against financial loss from vehicle-related accidents or damages. B Beneficiary – The person or entity designated to receive benefits from an insurance policy. Binder – A temporary insurance contract providing coverage until the final policy is issued. Bodily Injury Liability – Coverage that pays for injuries caused to others in an accident where the insured is at fault. Broker – An independent professional who helps clients find and purchase insurance policies from various insurers. Burglary Insurance – Coverage that protects against losses resulting from theft or burglary. Business Interruption Insurance – Coverage that compensates businesses for lost income due to unexpected disruptions like fires or natural disasters. C Cancellation – The termination of an insurance policy before its expiration date. Capitation – A payment model where a healthcare provider is paid a fixed amount per patient rather than per service. Claim – A formal request by an insured person for compensation due to a covered loss. Co-insurance – The percentage of costs the insured must pay after meeting the deductible. Comprehensive Coverage – Insurance that covers damages to an insured vehicle from non-collision events (theft, fire, natural disasters, etc.). Coverage – The specific protection provided by an insurance policy. Critical Illness Insurance – A policy that pays a lump sum if the insured is diagnosed with a serious illness like cancer or heart disease. D Deductible – The amount an insured must pay out of pocket before the insurer covers a claim. Depreciation – The decrease in the value of an insured asset over time. Disability Insurance – Coverage that provides income if the insured becomes unable to work due to illness or injury. Double Indemnity – A life insurance clause that pays twice the policy amount if death occurs under specific circumstances, such as an accident. E Endorsement (Rider) – An amendment to an insurance policy that modifies its coverage. Exclusion – A specific condition or circumstance that is not covered by an insurance policy. Excess (Deductible) – The amount an insured must pay before the insurer covers the rest of the claim. Expiration Date – The date an insurance policy ends unless renewed. F Face Value – The amount payable upon the maturity of a life insurance policy or upon the insured's death. First-Party Coverage – Insurance that covers the policyholder’s own losses, rather than third-party claims. Flood Insurance – A policy that covers damages caused by flooding, typically not included in standard homeowner’s insurance. G Grace Period – A period after a missed payment during which an insurance policy remains active. Group Insurance – A single insurance policy covering a group of people, such as employees of a company. H Hazard – Any condition that increases the likelihood of an insurance loss. Health Insurance – Coverage that pays for medical expenses incurred by the insured. Homeowners Insurance – A policy that protects a home and its contents from risks such as fire, theft, and liability. Hospital Cash Plan – A type of health insurance that provides a daily cash benefit for hospital stays. I - J - K Indemnity – Compensation paid to restore an insured party to their financial position before a loss. Insurable Interest – A financial or personal interest in the insured item or person that would cause financial loss if damaged or deceased. Insurance Policy – A contract between the insurer and the insured detailing coverage, terms, and conditions. Insured – The person or entity covered by an insurance policy. Insurer – The insurance company that provides coverage and pays claims. Joint Life Insurance – A life insurance policy covering two people, usually spouses. Key Person Insurance – A policy covering a crucial employee whose loss would financially impact a business. L Liability – Legal responsibility for damages or injuries to others. Life Insurance – A policy that provides financial compensation upon the insured’s death. Lapse – Termination of a policy due to non-payment of premiums. Long-Term Care Insurance – Coverage for extended medical and personal care needs. M - N - O Marine Insurance – Coverage for ships, cargo, and marine liabilities. Maturity Date – The date when an insurance policy’s benefits become payable. Moral Hazard – The increased likelihood of risky behavior due to having insurance coverage. Named Insured – The primary person covered under a policy. No-Claim Bonus – A discount for not making claims during a policy period. Occupational Hazard – Workplace risks that can impact insurance coverage and premiums. P - Q - R - S Policyholder – The person who owns an insurance policy. Premium – The amount paid for an insurance policy. Public Liability Insurance – Coverage for injuries or damages caused to third parties. Reinsurance – When an insurer transfers part of its risk to another insurance company. Subrogation – The insurer’s right to recover claim costs from a third party responsible for the loss. T - U - V - W - X - Y - Z Term Insurance – A life insurance policy that provides coverage for a fixed period. Third-Party Insurance – Coverage that pays for damages to others but not the insured’s own losses. Underwriting – The process of evaluating risks and determining insurance terms. Waiting Period – The time before certain policy benefits take effect.
- [Blogs](https://www.agcambodia.com/blogs/)
- [Marc Delvallée: AG Cambodia](https://www.agcambodia.com/marc-delvallee-ag-insurance/): Welcome to AG Insurance Broker, where we prioritize your peace of mind. Meet Marc Delvallée, our dedicated Business Development Manager based in Siem Reap. With years of experience in the insurance industry, Marc is here to guide you through the complexities of securing the right coverage for you and your loved ones.
- [Move to Cambodia : welcome](https://www.agcambodia.com/move-to-cambodia-welcome/): dear movetocambodia.com reader
- [Merci](https://www.agcambodia.com/merci/): Merci pour votre demande. Un de nos agents vous contactera très prochainement.
- [Construction tous risques](https://www.agcambodia.com/risques-des-chantiers/): Les risques associés à la construction tels que le feu, la tempête, le vol, le vandalisme et bien d’autres sont couverts. La couverture Chantier Tous Risques inclut la Responsabilité Civile pour tout dommage accidentel aux tiers. En outre, ces polices d’assurance ne couvrent pas les accidents et les blessures des ouvriers sur le lieu de travail.
- [A propos de AG Cambodia](https://www.agcambodia.com/a-propos-de-ag-cambodia/): Fondée et dirigée par David Tréal, AG Cambodge a été la toute première agence d'assurance agréée du Royaume et, depuis 17 ans, nous avons fourni des solutions d'assurance à quelques 3 000 familles, et traité avec succès autant de sinistres et de dossiers.
- [Marine cargo insurance in Cambodia](https://www.agcambodia.com/marine-and-cargo-insurance-in-cambodia/): Goods lose the protection of four walls the moment they leave the warehouse. Marine Cargo insurance covers shipments, by sea, air or road, against loss or damage in transit, written on an all-risk basis under standard Institute Cargo Clauses wording, and covering loss, theft, breakage and water damage from the point of departure to final delivery.
- [Construction risks](https://www.agcambodia.com/construction-all-risks/): general insurance - business insurance
- [Public Liability](https://www.agcambodia.com/public-liability-in-cambodia/): Public Liability responds when your business is held legally responsible for bodily injury or property damage caused to third party. It is not a risk reserved for shops, restaurants or offices that welcome the public, a factory, a workshop, a warehouse, a logistics site, a professional practice, or a contractor working on someone else's premises carries exactly the same exposure, the moment its people, its vehicles, its equipment or its products cause harm to a visitor, a neighbour, a supplier, or another company's staff. In practice, this exposure exists for virtually every type of business, regardless of sector or size.
- [Property Insurance](https://www.agcambodia.com/property-insurance-in-cambodia/): Our Home & Private Property Insurance provides comprehensive protection for your house or apartment, covering the value of your property together with your furniture, household equipment and personal belongings.
- [Vehicle Insurance: from motorbikes to SUV](https://www.agcambodia.com/vehicle-insurance-in-cambodia/): Driving in Cambodia comes with everyday risks, from minor accidents and vehicle damage to more serious collisions involving passengers or third parties. Private Vehicle Insurance can protect your car or scooter against accidental damage, theft and liability for injury or damage caused to others.
- [Employees Staff Insurance](https://www.agcambodia.com/health-insurance-cambodia/employee-staff-insurance/): health insurance - corporate insurance
- [Long term health Insurance for expats](https://www.agcambodia.com/health-insurance-cambodia/long-term-insurance-cambodia-for-expats/): health insurance - private insurance
- [General Insurance in Cambodia](https://www.agcambodia.com/general-insurance-in-cambodia/): At AG Cambodia, we help individuals, families, and businesses protect what matters most. As a licensed insurance broker based in Phnom Penh, our role is to guide clients through the wide range of insurance solutions available in Cambodia and identify the coverage that best fits their needs.
- [Our insurance partners](https://www.agcambodia.com/our-insurance-partners/): Insurance Companies in Cambodia AG Cambodia is a brokerage firm, established in the Kingdom of Cambodia since 2006, offering a wide variety of insurance coverage from moto to cargo. To insure we always have the best options to present to you, we analyze the proposals of many insurance companies.
- [Travel Insurance in Cambodia](https://www.agcambodia.com/health-insurance-cambodia/travel-insurance-cambodia/): A short business trip or a family holiday can turn into an expensive problem without the right cover in place. Travel insurance protects against emergency medical care and evacuation abroad, trip cancellation and interruption, and baggage delay or loss, for single trips or on an annual multi-trip basis.
- [Contact us](https://www.agcambodia.com/where-is-ag-cambodia-in-phnom-penh/): 313 Sisowath Quay, Phnom Penh 12300
- [Claims about insurance in Cambodia](https://www.agcambodia.com/how-to-fill-an-insurance-claim-in-cambodia/): At AG Cambodia, we make the claiming process as simple as possible for you .
- [Health Insurance in Cambodia](https://www.agcambodia.com/health-insurance-cambodia/): Get a quick estimate within minutes. Fill out this short form, and check your email. This form is for lone individuals, if you want a tailored quotation for your family click here
- [About AG Cambodia](https://www.agcambodia.com/about-us-ag-cambodia-since-2006/): Our clients are at the heart of everything we do. With AG Cambodia, you're never just a policy number. We're here to support you, offering prompt and knowledgeable service at every stage of your journey.
- [Your insurance specialist in Cambodia](https://www.agcambodia.com/): Insurance broker in Cambodia

## Listing Items/Components
- [Quotation](https://www.agcambodia.com/?jet-engine=quotation)
- [Blog Post](https://www.agcambodia.com/?jet-engine=blog-post)
- [Post in footer](https://www.agcambodia.com/?jet-engine=do-i-need-travel-insurance-for-cambodia)