Accidents happen everyday! So get yourself insured with as little as 80 Riels/day and get yourself covered for accidents, disability and death for as much as USD 2,500 per year. You can even insure up to 4 of your family members for a maximum of USD 10,000 coverage. The cover is 24/7 and worldwide. Only with Smart | Personal Accident Insurance underwritten by FORTE!
Why Smart Personal Accident Insurance?
- Protect your family and loved ones with insurance coverage up to USD 2,500.
- Instant approval via SMS with no questions asked.
- Very affordable fee, as low as 2 cents/day.
- Easy to pay via your phone credits. There is no need for a monthly visitation to insurance office.
- Claim payment process within 7 days after all documentations are submitted.
How to activate the service?
- Self service
- Activate: SMS [REG PA, <Date Of Birth*>, <FULL NAME**> ] to  and you are automatically covered
- Deactivate: SMS [OFF <POLICY NUMBER>] to 
- Talk to a service agent
- Visit any of our Smart Shops
- Call our 24/7 call center at 888 or 010-200-888
- DOB stands for Date of Birth. Please fill in with this format: DDMMYYYY.
- Please write your FULL NAME following what is written in your National Identification Card.
What are the payment terms?
|1st Year Policy|
|Premium Fee||Being Insured||Daily||Daily Accumulated Insured||Maximum Insured|
|1st Month||50 cents||USD 250||2nd Month onward||2 cents||USD 6.72||USD 2,500|
1. When you start – 1st year Policy
- New customers are required to pay a premium fee of 50cents/registration for the 1st month. After which you will be immediately insured up to USD 250. This means that if anything untoward happens after the 1st day of registration, you can claim up to USD 250.
- From the 2nd month onwards, the fee is only 2cents/day and the daily accumulated insured amount is USD 6.72.
- The maximum insured amount is USD 2,500 for one year.
2. When you continue – 2nd year onwards
- Option 1: One-time Payment
- You may choose to pay USD 5 as a one-off payment to carry forward any unclaimed coverage to the 2nd year. Simply SMS [PA 365 <Policy Number>] to .
- There will be no additional daily charges of 2 cents.
- You will be covered for the full year and may claim up to USD 2,500.
- Option 2: Daily Payment
|Daily Premium||2 cents||2 cents||2 cents||2 cents||2 cents||2 cents||2 cents||2 cents||2 cents||2 cents||2 cents||2 cents|
|Insured||USD 2,500||USD 2,500||USD 2,500||USD 2,500||USD 2,500||USD 2,500||USD 2,500||USD 2,500||USD 2,500||USD 2,500||USD 2,500||USD 2,500|
- Simply continue paying 2cents/day to carry forward the previous year’s unclaimed coverage amount.
- You need to pay the full month on a daily basis to be able to be covered for the 2nd month, and you will get up to USD 2,500 coverage.
- Should you fail to pay the full month, you will only be insured for the number of days you have paid.
- A 21-day grace period is given to pay the remaining balance if there is not enough balance in your account from which we can deduct the daily premium amount.
3. How to claim
- You or your family need to notify Forte Insurance at +855 23 885 066/077 immediately.
- A Forte Insurance Representative will help you with the required documentation.
- You will be asked to fill up a claim form available from any of the Smart shops nationwide.
- Submit this filled up claim form at any of the Smart shops.
- Forte Insurance will pay the claimant within 7 days after submitting properly completed documents.
- Claims will not be paid if the accident is a result of war, race driving/riding and/or any of the lists mentioned in your insurance policy.
- Accidents or permanent disablement to the insured: Claims will be paid to the insured.
- Accidental death: Claims will be paid to the insured’s family member/s.
- Please check your policy for more details. CLICK HERE
5. Eligibility Insured must be from 18 to 60 years old.
6. Quick checks
- For general insurance information: SMS[INFO] to 
- For profiles of policies purchased: SMS [PROFILE] to 
- For policy details purchased: SMS [PROFILE <Policy Number>] to 
- For other information: SMS [HELP] to 
7. Things you need to know
- Insurance validity : 1 year (365 days) from date of registration or insured’s age reaches 60 years old whichever comes first.
- Maximum policy a person can purchase: 4 policies with a USD 10,000 maximum amount insured.
- SMS [REG PA, <Date Of Birth>, <FULL NAME>] to  will be charged 50 cents. All other commands are free of charge.
- Grace Period: 21 days. You will be notified via SMS if you fail to top up. Should you fail to top up on time, your premium will be fixed based on the last day you paid, and your coverage amount will be calculated based on that. The insured amount will be valid to claim until the insurance validity is over.
- Charges: Deducted from main balance only. Bonuses cannot be used for this service.
- Applicable to Smart subscribers only.
- Smart is an insurance agent។
- This service is applicable for all Prepaid customers, excluding Traveller SIM.