AIA Cambodia

Name

AIA Cambodia

Legal name

AIA (Cambodia) Life Insurance Plc

Website

https://aia.com.kh

Company type

Public

Founded year

2017

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Phnom Penh

HQ country

Cambodia

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Life Insurance Premiums: Recurring premium collection from individual life protection, critical illness, and whole-life medical plans. Premiums are collected on monthly, annual, or multi-year cadences via bank transfers, digital payment partners, and the AIA+ app. Long-duration policies generate sustained premium revenue over policy lifetimes.
2. Group Corporate Insurance (AIA ComCare): Employer-sponsored group life, health, critical illness, and accident coverage sold to corporate clients. Revenue generated through employer-paid group premiums, often structured as annual contracts with per-employee pricing tiers.
3. Digital/Online Insurance Products: Standalone short-term digital products (AIA Sovatepheap Troab and AIA Kapear Pakthom) sold directly online for annual premiums ranging from $10 to $78, with coverage for accidental death, disability, and natural death benefits.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

AIA Cambodia is a life and health insurance provider offering individual protection products (critical illness, whole life medical, life protection, accident protection, education savings, and long-term savings plans) and corporate group insurance solutions (AIA ComCare, AIA MedCare, AIA AccidentCare, AIA LoanCare, WorkWell with AIA). Distribution is carried out through a field agency of Life Advisors, three exclusive bancassurance partnerships (Campu Bank, Amret, KB PRASAC Bank), a corporate sales team, and a digital self-serve channel for online-purchase products.

Product overview

AIA Cambodia is a life and health insurance company offering a broad portfolio of individual and corporate insurance products, digital platforms, and wellness programs. For individuals, the core offerings include AIA 100 Kapea Pro (critical illness protection), AIA Samrab Sokhapheap (whole life medical plan - Cambodia's first), life protection, short-term protection, accident protection, education savings (AIA Samrab Oudom Seuksa), and AIA Wealth Prestige savings plans, along with the premium AIA Prestige Club. For corporations, AIA ComCare provides comprehensive group life, hospitalization, and critical illness coverage with riders including AIA AccidentCare, AIA MedCare, WorkWell with AIA (wellness program), and AIA LoanCare (credit life). Digital offerings include the AIA+ mobile app for policy management and claims, plus online products AIA Sovatepheap Troab and AIA Kapear Pakthom. The company also provides hospital partner network access and Teladoc Health medical consultation services.

Differentiator

Problem solved

Functional benefit

Brands

• AIA+: Mobile application for managing insurance policies and submitting claims.
• AIA ComCare
• AIA ComCare+MedCare
• AIA MedCare
• AIA AccidentCare
• AIA LoanCare
• WorkWell with AIA
• AIA Prestige Club
• AIA Somrab Sokhapheap
• AIA 100 Kapea Pro
• AIA Samrab Oudom Seuksa
• AIA Wealth Prestige
• AIA Sovatepheap Troab
• AIA Kapear Pakthom
• AIA One Life One Health (OLOH)
• AIA Fit for Hope
• AIA Pink Run
• AIA Corporate Cup
• AIA Privilege Program

Products and services

• AIA 100 Kapea Pro Critical illness protection plan that enhances coverage on serious diseases with comprehensive protection amounts, covering 26 critical illness conditions — the first such offering in Cambodia. Targeted at individual consumers seeking comprehensive serious-illness coverage.
• AIA Samrab Sokhapheap (Whole Life Medical) Cambodia's first whole life medical plan that rewards policyholders for living healthy while providing long-term medical protection. Targeted at individual consumers seeking lifetime health coverage.
• AIA Samrab Sokhapheap (Life Protection) Whole life insurance providing long-term savings and life protection for families. Targeted at individual consumers seeking permanent life coverage with savings accumulation.
• Short-term Protection Term life insurance coverage for shorter protection periods. Targeted at individual consumers seeking affordable temporary life coverage.
• Accident Protection Coverage for accidental death and disability, providing financial protection against unforeseen accidents. Targeted at individual consumers seeking accident-specific protection.
• AIA Samrab Oudom Seuksa (Education Plan) Education savings plan designed to fund children's education with guaranteed returns. Targeted at parents seeking to finance their children's future education.
• AIA Wealth Prestige Long-term savings plan that helps build specific financial futures with wealth accumulation features. Targeted at affluent individuals seeking long-term wealth planning.
• AIA Prestige Club Exclusive club for high-net-worth customers providing premium insurance solutions and exclusive privileges. Targeted at affluent Cambodian individuals seeking differentiated premium services.
• AIA ComCare Most comprehensive group insurance plan offering market-leading life insurance plus critical illness, accidents, hospital allowance, and overseas emergency assistance coverage for corporate clients. Targeted at employers seeking employee benefits.
• AIA Sovatepheap Troab (Property Protection) Online property insurance product with four tiers — Classic ($10/year, $1,000/$3,000 benefits), Advance ($15/year, $1,500/$4,500), Platinum ($29/year, $3,000/$9,000), and Platinum Plus ($57/year, $6,000/$18,000) — covering death and disability benefits. Available for direct online purchase without agent involvement. Targeted at mass-market Cambodian consumers seeking affordable digital protection.
• AIA Kapear Pakthom (Basic Protection) Affordable basic protection plan priced at $45/year (lower tier, $5,000 natural death, $10,000 accidental disability, $15,000 accidental death) and $78/year (standard tier, $10,000 natural death, $20,000 accidental disability, $30,000 accidental death) for 5-year coverage. Available for direct online purchase. Targeted at mass-market Cambodian consumers seeking affordable accidental protection.
• AIA+ Mobile App All-in-one mobile application enabling policyholders to manage individual and corporate policies, submit claims, track claim status and history, download virtual insurance cards, update personal information, and process premium payments via connected banks. Targeted at all AIA Cambodia policyholders for digital self-service.

Quantifiable outcome

• 26 critical illness conditions covered — first in Cambodia
• +5 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• KB PRASAC Bank PlccoreChannel Partner/ Reseller/ Distributor · 24 November 2025On 24 November 2025, AIA Cambodia and KB PRASAC Bank announced a 10-year bancassurance partnership marking a shared journey to strengthen Cambodia's financial ecosystem and empower millions of families to plan confidently for the future. Products distributed through KB PRASAC Bank's branch network.
• Cambodian SEA Games Organizing Committee (CAMSOC) / National Olympic Committee of Cambodia (NOCC)minorStrategic or Co-development Partner · 1 January 2023AIA Cambodia was the official Life and Health Insurance Partner of Cambodia 2023 (32nd SEA Games and 12th ASEAN Para Games). The sponsorship was signed on 28 December 2022, providing insurance coverage and rewards to Team Cambodia athletes.
• Ministry of Women's Affairs, CambodiaminorOthers · 1 January 2022The Ministry of Women's Affairs endorsed the AIA Fit for Hope breast cancer awareness campaign starting in 2022. The 2024 edition was the third consecutive year of endorsement, with the launch presided over by Cambodia's First Lady, H.E. Dr. PICH Chanmony HunManet. The Ministry actively supports and collaborates on the campaign.
• Cambodia Marathon CommitteeminorStrategic or Co-development Partner · 1 January 2022Collaboration with the Cambodia Marathon Committee for the AIA Pink Run, held in conjunction with International Breast Cancer Awareness Month. The second edition in 2024 hosted over 4,000 participants to raise awareness about breast cancer on a national level.
• Amret Microfinance InstitutioncoreChannel Partner/ Reseller/ Distributor · 1 July 2018In July 2018, AIA Cambodia and Amret Microfinance Institution entered into a bancassurance partnership aimed at building strong financial security and wellbeing of Cambodian people by offering market-leading protection products through Amret's extensive microfinance network nationwide.
• Cambodian Public Bank Plc (Campu Bank)coreChannel Partner/ Reseller/ Distributor · 1 May 2017In May 2017, AIA Cambodia entered into a 5-year exclusive bancassurance partnership with Cambodian Public Bank Plc to help the Kingdom increase insurance penetration. The partnership was extended by another 15 years on 9 September 2021. AIA products are distributed through Campu Bank's nationwide branch network with dedicated Life Planners available at bank branches for consultations.
• Tottenham Hotspur Football ClubcoreStrategic or Co-development Partner · 1 January 2017Long-term global partnership between AIA Group and English Premier League club Tottenham Hotspur promoting health and wellness across Asia-Pacific. Tottenham Hotspur's Global Football Development coaches have provided football opportunities to over 65,000 players and coaches since 2017. AIA Cambodia leverages this partnership for community engagement, grassroots football development (AIA-ISF Youth League), and brand visibility including mascot experiences at Premier League matches.
• ISF Cambodia (Indochina Starfish Foundation)minorStrategic or Co-development Partner · 1 January 2017AIA Cambodia has partnered with ISF Cambodia since 2017 to support underprivileged children through education and football programs. AIA sponsors the AIA-ISF Youth League (Cambodia's largest grassroots football league). Funds raised through Tottenham Hotspur match-worn shirt auctions support ISF and the Tottenham Hotspur Foundation.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• AXA: Global insurance group with strong Asian presence offering a comparable life/health/savings product portfolio and bancassurance distribution strategy across multiple Asian markets. Operates broadly rather than specializing in Cambodia.
• FWD Group: Pan-Asian life insurance group operating across 10+ markets including Cambodia with a comparable digital-first product strategy, mass-market positioning, and multi-channel distribution architecture — closely aligned with AIA Cambodia's go-to-market.
• Manulife Financial: Global parent of Manulife Cambodia and major pan-Asian life insurance incumbent offering individual life, health, and wealth products across multiple Asian markets. Comparable to AIA Group as a publicly-listed pan-Asian life insurance leader.
• MetLife: Global life insurance incumbent with meaningful Asian operations offering comparable employee benefits, individual life, and accident products distributed through agency and bancassurance channels across multiple markets.
• Sun Life Financial: Global life insurance incumbent with significant pan-Asian operations across markets including the Philippines, Hong Kong, and Indonesia. Comparable in life/health/savings product mix and bancassurance distribution approach to AIA Group subsidiaries.
• Allianz: Global insurance incumbent with Asian life insurance operations across multiple markets, offering a comparable product portfolio spanning protection, savings, and wealth management through agency, bancassurance, and direct channels.
• Prudential plc: Global parent of Prudential Cambodia and major life insurance incumbent focused on Asia and Africa with a broad product portfolio spanning life, health, savings, and pensions. Comparable to AIA Group in pan-Asian life insurance scale and market positioning.

Direct peers

• Prudential Cambodia: Direct multinational life insurer in Cambodia with overlapping agent and bancassurance distribution and similar protection/savings product offerings. Competes with AIA Cambodia for bancassurance partners, individual customers, and corporate accounts.
• FWD Life Insurance Cambodia: Pan-Asian digital-forward life insurer with Cambodia operations and an overlapping digital-first, mass-market product strategy. Competes with AIA Cambodia for digitally-engaged consumers and bancassurance distribution reach.
• Manulife Cambodia: Multinational life insurance competitor operating in Cambodia with a similar product mix spanning life, health, savings, and group benefits, and a comparable bancassurance and agency distribution model. Direct head-to-head competitor to AIA Cambodia in the Cambodian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/AIACambodia
• Facebookfacebook.com/AIACambodia
• LinkedInlinkedin.com/company/aiacambodia

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AIA Cambodia