Smart Life Insurance

Register for Smart Life Insurance today, and get up to 3,000 USD in insurance cover!

Underwritten by BIMA, the world’s leading provider of mobile-delivered insurance and health services in emerging markets, and exclusively available to Smart customers.

What is Smart Life Insurance?

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 3,000 USD, if God forbid, you happen to pass away.

You can also earn FREE insurance cover for your nominated loved one if they are also a Smart subscriber!*

*Nominee must be between 18 and 59 years old to receive free cover.

What are the Benefits?

Make sure you provide your beneficiary’s Smart phone number during the registration process and they will enjoy FREE insurance cover equal to the cover you earn! It’s insurance that covers two people for the price of one.

**Up to a maximum of 1.60 USD per month

How to Register

How to Make a Claim


Terms and conditions

  1. To subscribe and receive cover, you must be between 18 and 59 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, s/he must be a Smart prepaid subscriber and be between 18 and 59 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 will begin on the first day of the month following registration and cover will begin the month after. E.g. Premium deductions for a customer registered on 15th January will begin on 1st February, and cover will begin on 1st March.
  5. If the full premium amount is not collected in a single month, customers may be eligible for partial insurance cover according to the table below. Unused premium will be rolled over to the following month.
    Amount Deducted Percentage Cover Deduction Cover Credit Rolled into Following Month
    0 cent to 39 cents 10%* 8 cents 300 USD 8 cents
    40 cents to 79 cents 25% 50 cents 750 USD 10 cents
    80 cents to 1.19 USD 50% 1 USD 1,500 USD 20 cents
    1.20 USD to 1.59 USD 75% 1.55 USD 2,250 USD 35 cents

    *10% cover will only be provided if you have previously received at least 1 month of full cover (3,000 USD). 10% cover will be provided for a maximum of 2 consecutive months.

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