Smart Products

BIMA partners with Cambodia’s leading mobile operator to bring you exclusive insurance services, paid for through your SMART balance.

SMART Life Premium

Life is always unpredictable and you never know what lies ahead! Underwritten by BIMA, leading international provider of micro-insurance and health services, Smart Life Insurance is exclusively available to Smart subscribers and intends to take care of your family by paying your nominated loved one up to 5,000 USD, if you happen to pass away.

You can also get FREE insurance cover for your nominated loved one if she/he is also a Smart Subscriber!

SMART LIFE PREMIUM

 
 
Starting from:$2.40

 
Payment Channel:
 
Premium:12c/day*=2.40USD/month
 
Sum assured5,000 USD

SMART LIFE PREMIUM

Starting from:$2.40

 
Payment Channel:
 
Premium:12c/day*=2.40USD/month
 
Sum assured5,000 USD
SMART Life Premium Policy

1. To subscribe and receive cover, you must be between 18 and 69 years old (both inclusive). Cover is only valid in Cambodia.

2. If a person registers multiple SIM cards for Smart Life insurance, only a single policy is valid.

3. In order for the beneficiary to receive free cover, she/he must be a Smart prepaid subscriber and be between 18 and 69 years old (both inclusive). Benefits for the beneficiary will commence on the same date as for the policyholder and be exactly equal to the benefits of the policyholder.

4. Premium deductions and 100% free cover (for both policyholder and beneficiary above) will begin on the first day of the following registration, and cover will begin after have a successful deduction, e.g. if Lekhena registered on 15th January, her premium deductions and 100% free cover on accidental will begin on 16th January, and her actual cover will begin on 1st March depend on deduction previous month (cover both accidental and illness).

5. If the full premium amount is not collected in a single month, partial cover will be provided based on the actual amount deducted.

6. Claims must be initiated within 3 months of death of the insured. In order to be eligible for claims, the insured should be free from pre-exist ing medical conditions on the date of enrolment.

7. Processing of claims will commence after the following documents are submitted
a. Proof of enrolment (insurance confirmation SMS or cover SMS).
b. Identification document (National ID card, family book, driver’s license or passport).
c. Evidence of death (death certificate, medical certificate of cause of death, or official letter from an authorized Village or Sangkat representative).

8. Claims will not be paid if death occurs directly or indirectly from any of the following:
a. Suicide
b. War, insurrection, riot or civil commotion.
c. Committing or provoking a criminal offence including, but not limited to, intake of illegal drugs, narcotics or alcohol other than as prescribed by a medical doctor.
d. Non-disclosure of pre-existing medical condition on enrolment.

9. The policy can be cancelled by calling the BIMA hotline 010 242 248. Premium deductions will be stopped within 48 hours.

SMART Hospital

Smart Hospital Insurance is exclusively available to Smart subscribers and underwritten by BIMA, leading international provider of microinsurance. Accidents and injuries might happen when we least expect it and the resulting hospital stay can cause a lot of financial stress. With Smart Hospital Insurance, you can stop worrying about money and focus on getting better. Our cover will pay you up to 10 USD for every night you stay in the hospital.*

SMART HOSPITAL

 
 
Starting from:$1.60

 
Payment Channel:
 
Premium:8c/day*=1.60 USD/month
 (10USD/Night)
 
Sum assured320 USD

SMART HOSPITAL

Starting from:$1.60

 
Payment Channel:
 
Premium:8c/day*=1.60 USD/month
 (10USD/Night)
 
Sum assured320 USD
SMART Hospital Policy

1. To subscribe and receive cover, you must be between 18 and 69 years old.

2. Premium deductions and 100% free cover will begin on the first day of the following registration, and cover will begin after have a successful deduction, e.g., if Lekhena registered on 15th January, her premium deductions and 100% free cover on accidental will begin on 16th January, and her actual cover will begin on 1st March depend on deduction previous month (cover both accidental and illness).

3. If the full premium amount is not collected in a single month, partial cover will be provided based on the actual amount deducted.

4. Claims must be initiated within 3 months of the hospitalisation event.

5. Processing of claims will commence after the following documents are submitted:
a. Proof of enrolment (insurance confirmation SMS or cover SMS). Identification document (National ID card, family book.
b. driver’s license or passport). Evidence of hospitalisation (diagnosis card with clear
c. details of admission and discharge dates; patient’s name, age and sex; admission complaints; investigations done; treatment given; doctor’s
rubber stamp and signature or payment receipt and the final bill).

6. Claims will not be paid for hospitalisation due to:
a. Self-inflicted injury, attempted suicide or treatments obtained due to non-adherence to medical advice
b. Pregnancy
c. Drugs or alcohol addiction
d. Pre-existing or recurrent conditions, only within the first 3 months after registration
e. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion or revolution, military or usurped power, strike, riot, civil commotion, terrorism, or any consequences thereof
f. Epidemic, diseases like SARS, etc.
g. Non-medically required, elective, preventive, alternative or cosmetic treatments & surgery, including dental treatment
h. Non-Disclosure of pre-existing medical condition on enrollment. The insured should be in good health and free from pre-existing medical conditions on the date of enrollment

7. The policy can be cancelled by calling the BIMA hotline on 010 242 248. Premium deductions will be stopped within 48 hours.

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Contact Us: 010242248 | customer.service@kh.milvik.com

8th floor of Phnom Penh International University Building (PPIU),
#36, St. 169, Sangkat Veal Vong, Khan 7 Makara, Phnom Phen, Cambodia

BIMA Cambodia