Smart Life Insurance

I can protect my family with Smart Life Insurance!

I don’t know what tomorrow will bring, Smart gives me peace of mind in the unlikely event that I have an accident and die. It’s underwritten by leading international micro-insurance provider BIMA, and exclusively available to me as a Smart customer! This makes me feel secure, knowing my family will have less to worry about. I can sign up to Smart Life Insurance today, and my family can receive up to 3,000 USD in the event of my death.

What are the Benefits?

I must make sure I provide my beneficiary’s Smart phone number during the registration process and they will enjoy FREE insurance cover equal to the cover I 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


Smart has 2 more insurance services:

Terms & Conditions

  1. To subscribe and receive cover, I 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 c to 39 c 10%* 8 c 300 USD 8 c
    40 c to 79 c 25% 50 c 750 USD 10 c
    80 c to 1.19 USD 50% 1 USD 1,500 USD 20 c
    1.20 USD to 1.59 USD 75% 1.55 USD 2,250 USD 35 c
    *10% cover will only be provided if I 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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