Peace of mind from 2 cents per day.
Accidents happen everyday! So I want to be insured, it costs as little as 80 Riel/day and I’m covered for accidents, disability and death for as much as USD 2,500 USD per year. I can even insure up to 4 of my family members for a maximum of 10,000 USD coverage. The cover is 24/7 and worldwide. Only with Smart Personal Accident Insurance underwritten by FORTE!
Why Smart Personal Accident Insurance?
1 Protect your family and loved ones with insurance coverage up to USD 2,500.
2 Instant approval via SMS with no questions asked.
3 Very affordable fee, as low as 2 c/day.
4 Easy to pay via your phone credits. There is no need for a monthly visitation to insurance office.
5 Claim payment process within 7 days after all documentations are submitted.
How do I activate the service?
* Please fill date of birth in this format: DDMMYYYY (for example 24121985 for December 24th 1985)
** Please write your full name the same as what is written on your National Identification Card
What are the payment terms?
|Month 1||50 c||250 USD for 1 month|
|Months 2 to 12||2 c/day||2,500 USD for 1 year|
|Year 2 and + (Daily payment)|
|Year 2 and + (Yearly payment)||5 USD for 1 year|
How can I activate the one-time payment?
Simply SMS [PA 365 <Policy Number>] to 
How do I claim?
- My family or myself need to notify Forte Insurance at +855 23 885 066/077 immediately.
- A Forte Insurance Representative will help me with the required documentation.
- I will be asked to fill up a claim form available from any of the Smart shops nationwide.
- I submit this filled up claim form at any of the Smart shops.
- Forte Insurance will pay the me 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 I policy for more details. CLICK HERE
Eligibility Insured must be from 18 to 60 years old.
Things I 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 10,000 USD 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. I will be notified via SMS if I fail to top up. Should I fail to top up on time, your premium will be fixed based on the last day I 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.