Phillip General Insurance
Phillip General Insurance (Cambodia) Plc. is a licensed general insurance provider in Cambodia, offering motor, property, health, travel, and commercial lines to individuals and businesses. The company distributes through direct sales, bancassurance partnerships with Hattha Bank and Phillip Bank, and a Grab Cambodia MoU.
- Company typePublic
- Founded2017
- HeadquartersPhnom Penh, Cambodia
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Phillip General Insurance does
Phillip General Insurance (Cambodia) Plc. is a licensed general insurance provider headquartered in Phnom Penh, Cambodia, operating since 2017 as part of the Singapore-headquartered PhillipCapital Group, which claims a 50-year heritage in financial services. The company offers a broad portfolio of general insurance products across two principal customer segments: individual consumers (private vehicle, electric vehicle, motorcycle, personal accident, home, hospitalization and surgery, travel, and fire and additional perils insurance) and corporate clients (commercial vehicle, property all risk, cargo, construction all risk, engineering, boiler, electronic equipment, group personal accident, fidelity guarantee, professional indemnity, bankers blanket bond, director and officer liability, contractor's bond, public liability, plate glass, burglary, and money insurance).
The company distributes products through a multi-channel go-to-market model combining dedicated direct sales and Business Development teams, bancassurance partnerships with Hattha Bank and Phillip Bank, and a strategic MoU with Grab Cambodia for ride-hailing driver-partner and passenger coverage. Its technology footprint centers on a customer-facing online claims portal and dedicated 24/7 medical and auto claims hotlines, with the company stating that most claims are settled within three working days. Marketing presence spans a corporate website, social platforms (Facebook, Instagram, TikTok, LinkedIn, YouTube), Telegram, and participation in IRC-hosted industry seminars including a June 2025 session in Ratanakiri Province.
Revenue is generated through recurring insurance premiums across retail and commercial lines, with quote-based pricing that is not publicly disclosed. Travel insurance is structured into Standard, Deluxe, and Executive tiers, and channel-specific promotions (such as a 10% auto insurance discount for Hattha Bank customers) are used to drive cross-sell. The entity is incorporated as a Public Limited Company in Cambodia and is regulated by the Insurance Regulator of Cambodia (IRC). Revenue figures, headcount details beyond a stated 11–50 range, and ownership specifics beyond the PhillipCapital Group parent are not disclosed in the available material.
Phillip General Insurance firmographics
Firmographics- Name
- Phillip General Insurance
- Legal name
- Phillip General Insurance (Cambodia) Plc.
- Website
- https://phillipinsurance.com.kh
- Company type
- Public
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Phillip General Insurance (Cambodia) Plc. is a licensed general insurance provider in Cambodia, offering motor, property, health, travel, and commercial lines to individuals and businesses. The company distributes through direct sales, bancassurance partnerships with Hattha Bank and Phillip Bank, and a Grab Cambodia MoU.
- Ownership category
- akta.pro rank
Phillip General Insurance industry classification
Industry- Product category
- General Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)
- akta.pro secondary industries
- General Liability Insurance (FSAJAMAE), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)
Keywords
Where Phillip General Insurance is headquartered
LocationHeadquarters
- HQ city
- Phnom Penh
- HQ country
- Cambodia
- HQ region
- Asia
Offices1 record
Markets served
Phillip General Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- General Insurance Premiums: Collection of insurance premiums from individual and corporate policyholders for various insurance products including motor, property, medical, personal accident, travel, and engineering insurance
- Commercial/B2B Insurance: Corporate insurance products for businesses including commercial vehicle, property, cargo, construction, and miscellaneous insurance lines
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Standard Plan - Essential coverage for budget-conscious travelers |
| Subscription | Pay-as-you-go | Deluxe Plan - Enhanced protection for travelers |
| Subscription | Pay-as-you-go | Executive Plan - Premium coverage for travelers |
| One time/ perpetual license | Pay-as-you-go | Single Trip Policy - One-time travel coverage |
| Subscription | Annual | Annual Policy - Multi-trip coverage for frequent travelers |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Phillip General Insurance product offering
Product offeringCore offering
Phillip General Insurance provides general insurance products for individuals and businesses in Cambodia, including motor (private vehicle, electric vehicle, motorcycle, commercial vehicle), property (home, fire and additional perils, property all risk, business building), health (hospitalization and surgery, personal accident, travel), engineering, cargo, and miscellaneous liability and fidelity lines. Products are distributed through direct sales, bancassurance with Hattha Bank and Phillip Bank, and a strategic partnership with Grab Cambodia.
Product overview
Phillip General Insurance offers a comprehensive portfolio of general insurance products for both individuals and businesses in Cambodia. The individual product suite includes Private Vehicle Insurance, Private Electric Vehicle Insurance, Motorcycle Insurance, Personal Accident Insurance, Home Insurance, Hospitalization and Surgery, Travel Insurance, and Fire and Additional Perils Insurance. The corporate product portfolio encompasses Commercial Vehicle Insurance, Private Company Vehicle Insurance, Corporate Motorcycle Insurance, Fire and Additional Perils, Property All Risk Insurance, Business Building Insurance, Cargo Insurance, Corporate Hospitalization and Surgery, Construction All Risk Insurance, Boiler Insurance, Erection All Risk Insurance, Electronic Equipment Insurance, Group Personal Accident Insurance, Fidelity Guarantee Insurance, Professional Indemnity Insurance, Bankers Blanket Bond Insurance, Director and Officer Liability Insurance, Contractor's Bond Insurance, Public Liability Insurance, Plate Glass Insurance, Burglary Insurance, and Money Insurance. The company provides these products through various distribution channels including direct sales, financial institution partnerships (bancassurance), and agency networks, supported by a customer portal for claims submission.
Differentiator
Problem solved
Functional benefit
Products and services
- Private Vehicle Insurance Protects individual vehicle owners against financial loss from accidents, theft, fire, and third-party liability, with coverage including Third Party Liability, Theft Protection, and Own Damage Coverage.
- Private Electric Vehicle Insurance Specialized protection for electric vehicles against accidents, damage, theft, and liability, with considerations for unique EV components including windscreen coverage, removal after accident, and optional private charging station coverage.
- Motorcycle Insurance Protects motorcycle riders against accidents, damage, theft, and liability, with coverage for authorized drivers, passengers, and theft.
- Personal Accident Insurance Financial protection for individuals against accidental injury, disability, or loss of life, including accidental death benefit, disability and loss coverage, medical expense coverage, and policy extensions for enhanced medical support, motorcycling-related risks, and dengue fever protection.
- Home Insurance Comprehensive protection for homes against damage, loss, or accidents, including building and structure protection, contents coverage, and personal liability cover, with optional enhancements for temporary accommodation, accidental damage to contents, and valuables and jewellery cover.
- Hospitalization & Surgery Insurance Comprehensive individual health coverage covering medical bills, hospital stays, and treatments, including room and board, 24/7 support, and miscellaneous expense coverage, with extensions for outpatient, health check-up, and optical benefit options.
- Travel Insurance Travel protection covering medical emergencies, trip disruptions, and lost belongings, including overseas medical expenses, emergency medical evacuation, accidental death and permanent disablement, automatic extensions for legal costs, period extension, home content protection, and optional rental vehicle excess coverage. Available in Standard, Deluxe, and Executive plans.
- Fire and Additional Perils Insurance (Individual) Protection for homes and belongings against fire and covered risks including natural disasters, with fire and lightning protection, natural disaster coverage, and home and contents protection, plus optional cover for riot, strike, vandalism, malicious damage, spontaneous combustion, and water damage.
- Commercial Vehicle Insurance Protects business vehicles from accidents, theft, fire, and liability, with comprehensive damage coverage to keep commercial operations moving smoothly.
- Private Company Vehicle Insurance Protects company-owned vehicles against financial loss from accidents, theft, fire, and third-party liability.
- Corporate Motorcycle Insurance Provides protection for company-owned motorcycles against accidents, damage, theft, and third-party liability, helping minimise operational disruptions.
- Corporate Fire and Additional Perils Insurance Comprehensive protection for business buildings, equipment, inventory, and assets against fire, lightning, explosions, storms, and natural disasters, including fire and lightning protection, natural disaster coverage, and premises and contents protection.
- Property All Risk Insurance Comprehensive protection against unforeseen events leading to accidental loss or damage to business property, including fire and lightning, explosion, and severe weather coverage, with all-risk enhancements for business interruption, equipment breakdown, and plate glass.
- Business Building Insurance Safeguards business premises finances against unexpected losses, with building structure protection, contents and fixture coverage, and financial stability and recovery support.
- Cargo Insurance Provides indemnity against loss or damage during transit, including fire, theft, explosion, stranding, grounding, sinking, washing overboard, overturning, and natural calamities, with transit protection, theft and accidental damage coverage, and supply chain security.
- Corporate Hospitalization & Surgery Insurance Corporate medical coverage for employees' healthcare needs, including hospitalization and medical treatment due to illness or accidents, with customizable plans offering outpatient care, health screenings, dental, and optical options.
- Construction All Risk Insurance Protection for construction projects against unforeseen physical loss or damage during the building process, including contract works protection, third-party liability coverage, and site risks and natural perils coverage.
- Boiler Insurance Coverage for boilers and pressure vessels against sudden and unforeseen damage, including explosions or mechanical failure, with equipment damage protection, explosion and breakdown coverage, and business continuity support.
- Erection All Risk Insurance Protection for engineering and installation projects against unforeseen physical loss or damage during erection, testing, and commissioning phases, including project and equipment protection, third-party liability coverage, and testing and commissioning coverage.
- Electronic Equipment Insurance Comprehensive coverage for electronic equipment including computers, servers, and specialized electronic systems against accidental damage, breakdown, and unforeseen events, with equipment damage protection, breakdown and malfunction coverage, and business continuity support.
- Group Personal Accident Insurance Financial protection for employees against accidental injury, disability, or loss of life, including accidental death benefit, disability coverage, and accidental injury support, with additional benefits for enhanced employee protection.
- Fidelity Guarantee Insurance Protects businesses against financial loss from fraudulent or dishonest acts committed by employees, including theft of money and misappropriation of assets, with dishonesty protection, asset and cash safeguarding, and strengthened risk management.
- Professional Indemnity Insurance Protects businesses against legal liability arising from errors, omissions, or negligence in services provided, with errors and omissions coverage, legal defense support, and reputation and financial protection.
- Bankers Blanket Bond Insurance Protection for financial institutions and businesses against fraud, theft, forgery, and other dishonest acts, with fraud and dishonesty protection, forgery and alteration coverage, and financial asset safeguarding.
- Director and Officer Liability Insurance Protects company leaders against personal liability arising from managerial decisions, with personal liability protection, legal defense support, and management risk protection.
- Contractor's Bond Insurance Financial guarantee that contractual obligations will be met in accordance with agreed terms, providing performance assurance, financial security, and enhanced business credibility.
- Public Liability Insurance Protects against claims from third-party injury or property damage linked to business operations, with third-party protection, legal cost coverage, and business confidence.
- Plate Glass Insurance Protection against the cost of accidental breakage to fixed glass at premises, including shopfronts, windows, and display panels, with accidental breakage coverage, repair and replacement, and temporary protection support, plus enhancements for signage, window frame damage, and emergency protection costs.
- Burglary Insurance Protects businesses against loss or damage to property caused by theft involving forced or violent entry, robbery, or attempted break-ins, with theft and forced entry protection, stock and asset coverage, and damage to premises, plus extensions for damage beyond, temporary removal, cash in premises, goods in transit, and employee dishonesty.
- Money Insurance Protects businesses against loss of cash, cheques, and financial documents due to theft, robbery, or unforeseen events, with money in transit protection, money in premises coverage, and employee custody coverage.
Quantifiable outcome
- Claims settled within 3 working days after submission of completed documents
Companies that use Phillip General Insurance
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles4 records
Phillip General Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Phillip General Insurance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Grab CambodiacoreStrategic MoU partnership to strengthen safety, trust, and protection for Grab driver-partners and passengers across Cambodia. Phillip General Insurance provides tailored insurance solutions aligned with regional best practices while complying with local regulatory requirements. Partnership aims to integrate insurance more seamlessly into the ride-hailing experience.
- Hattha Bank PLCcoreBancassurance partnership officially launched at Shangri-La Hotel in Phnom Penh. Hattha Bank customers gain access to comprehensive insurance options including motor, personal accident, travel, and health insurance. Special promotional 10% discount offered on personal auto vehicle insurance for Hattha Bank customers from January to March 2025.
- PhillipCapital GroupcoreParent company providing Singaporean heritage and trusted financial expertise. Phillip General Insurance is part of the PhillipCapital Group ecosystem which includes Phillip Bank, PhillipLife, and PhillipTrustee, enabling integrated financial services across Cambodia.
- Phillip BankcorePart of PhillipCapital Group ecosystem, providing bancassurance distribution channel for insurance products to bank customers. Partnership enables seamless, value-driven solutions that enhance customer convenience and financial protection.
- Insurance Regulator of Cambodia (IRC)coreRegulatory body overseeing insurance industry in Cambodia. Phillip General Insurance participates in IRC-hosted dissemination seminars and complies with all regulatory requirements for compulsory insurance awareness.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Phillip General Insurance competitors and assessment
Company assessmentEmerging players
- FWD Insurance Cambodia: Singapore-headquartered pan-Asian insurer with digital-first general insurance products in Cambodia. Emerging competitor using mobile-first distribution and product innovation, particularly relevant for motor and travel lines where Phillip General also competes.
- Prudential Cambodia (Prudential Life Assurance): Major life insurer in Cambodia with growing health and group benefits offerings, increasingly overlapping with Phillip General's Hospitalization & Surgery and Group Personal Accident products. Adjacent competitor with stronger brand but narrower P&C focus.
Direct peers
- Infinity Insurance (Cambodia): Cambodia-focused general insurance carrier offering motor and property insurance with broker and agency distribution. Closely comparable as a domestic P&C insurer sharing the Cambodian market and bancassurance/agency channels.
- Forte Insurance (Cambodia) Plc. One of Cambodia's largest local general insurance carriers, offering motor, property, health, and personal accident coverage to individuals and corporates. Directly comparable as a multi-line P&C competitor operating in the same regulatory environment under the IRC and targeting similar customer segments in Cambodia.
- Ly Hour Insurance: Cambodian general insurer providing motor, property, and commercial insurance products to retail and corporate clients. Direct competitor with overlapping product suite and domestic distribution focus, competing for the same Cambodian policyholders.
Broad incumbents
- Sompo Insurance Cambodia: Cambodian operation of global P&C insurer Sompo International, offering commercial and personal lines. Comparable as a foreign-backed P&C competitor in Cambodia with broader international capabilities.
- Allianz General Insurance Cambodia: Cambodian arm of Allianz, one of the world's largest insurers, providing motor, property, and commercial coverage. Broad incumbent competing for the same Cambodian P&C customers with deeper capital, brand, and reinsurance capacity.
- MSIG Insurance (Cambodia): Subsidiary of Japanese P&C giant Mitsui Sumitomo Insurance Group with regional Southeast Asia presence including Cambodia. Competes in motor, property, and commercial lines but draws on substantially larger capital base and global reinsurance arrangements.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Phillip General Insurance social profiles
Digital presencePhillip General Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Phillip General Insurance leadership team
Management profileNumber of profiles
Profiles5 records
Phillip General Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Phillip General Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Phillip General Insurance
What does Phillip General Insurance do?
Phillip General Insurance provides general insurance products for individuals and businesses in Cambodia, including motor (private vehicle, electric vehicle, motorcycle, commercial vehicle), property (home, fire and additional perils, property all risk, business building), health (hospitalization and surgery, personal accident, travel), engineering, cargo, and miscellaneous liability and fidelity lines. Products are distributed through direct sales, bancassurance with Hattha Bank and Phillip Bank, and a strategic partnership with Grab Cambodia.
Is Phillip General Insurance a public or private company?
Phillip General Insurance is a public company. It is classified as corporate owned and is currently operating.
When was Phillip General Insurance founded?
Phillip General Insurance was founded in 2017. It employs 11 to 50 people.
Where is Phillip General Insurance based?
Phillip General Insurance is headquartered in Phnom Penh, Cambodia, in the Asia region.
How does Phillip General Insurance make money?
Two revenue lines are on record. General Insurance Premiums are the primary driver. The others are commercial/B2B Insurance.
Who are Phillip General Insurance's main competitors?
Emerging players on record are FWD Insurance Cambodia and Prudential Cambodia (Prudential Life Assurance). Direct peers are Infinity Insurance (Cambodia), Forte Insurance (Cambodia) Plc. and Ly Hour Insurance. Broad incumbents are Sompo Insurance Cambodia, Allianz General Insurance Cambodia and MSIG Insurance (Cambodia).
Does Phillip General Insurance have an API?
No public API is recorded for Phillip General Insurance.
What industry is Phillip General Insurance in?
Phillip General Insurance's product category is General Insurance. Its primary akta.pro industry code is FSAJAAAA, Standard Personal Auto Insurance (Liability, Collision & Comprehensive), with a secondary code of FSAJAMAE, General Liability Insurance. Its NAICS code is 524126 and its SIC code is 6331.