Bringing micro-insurance services to rural underserved communities in Cambodia

In this case study, we share how reach52 successfully launched micro-insurance services in rural regions of Cambodia, in partnership with two of the country’s largest insurers



  • Challenge
  • Approach
  • Impact


Over 60% of all health expenditure in Cambodia is financed through out-of-pocket payments at point of care, affecting health seeking behaviour and access. An estimated 1/3 of all households in Cambodia hold some form of healthcare-related debt.

More than half of these households experience difficulty repaying their healthcare loans. Only a small minority of rural residents are familiar with the concept of private health insurance. Residents lack trust in the products and are sceptical of the benefits.

For rural residents, private health insurance is typically only available from Micro-Finance Institutions in town centres, offered as part of loan packages.

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