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Affordable personal accident insurance for your peace of mind

With rising healthcare costs, a personal accident plan eases the financial burden on you and your family if you are involved in an accident. This plan protects you against financial loss and reimburses your medical expenses locally, or overseas if you require treatment abroad.

With Forte’s Personal Accident & International Emergency Medical Assistance plan, you can enjoy peace of mind and protect your family's finances. No matter where you are in the world, you can get help anytime – 24 hours, 7 days a week. In an emergency, we can arrange an on-ground or air ambulance, which is the fastest way to get you or your loved ones to the nearest and most appropriate medical facility to get you the care you need.

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Choose the right plan

This policy enables you to cover costs related to injury treatment:

24/7 Worldwide Emergency Care Assistance 
A Ground or Air Ambulance will be arranged to take you to the nearest local or overseas medical facility, according to the advice of the Appointed Doctor and your Attending Doctor, including transport for one family member or friend to accompany you
Repatriation
After treatment, return transportation will be arranged to your home country or residing country
Repatriation of mortal remains
If you were to unfortunately pass away, your body will be returned to your home country or residing country
Accidental death
Benefit is paid directly to your beneficiaries if your death is due to an accident
Permanent Disablement
Benefit is paid directly to you if you are permanently disabled due to an accident
Injury Treatment
Medical costs including follow-up treatments and medical supplies up to the maximum annual limit of the policy
What types of accidents do we cover?

The plan covers personal injuries from accidents, such as those below and more:

Traffic accidents
Burns from fire
Concussions
Ear or eye injury
Emergency dental work
Food poisoning
Drowning
Bites from snakes, insects, and dogs
Other accidents

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ប្រភេទធានារ៉ាប់រង
Type of Policy Cover
Personal Accident and International Emergency Medical Assistance Benefits
Choose the right plan for you, with flexible coverage choices.
SECTION I: PERSONAL ACCIDENT
1.
1. Death and Permanent Disablement due to Accident
1.1
1.1 Death due to Accident
1.2
1.2 Permanent Disablement due to Accident
10,000
20,000
50,000
2.
2. Medical Expenses due to Accident       *No limit to number of accidents. Claim amount is limited to the maximum annual limit of plan purchased.
2.1
2.1 Inpatient and Outpatient treatment due to Accident (including Food Poisoning, Snake Bite and Insect Bite) [in the event there is no Evacuation under SECTION II]
1,000
2,000
3,000
2.2
2.2 Local Ground Ambulance [in the event there is no Evacuation under SECTION II]
300
2.3
2.3 Medical Expenses due to Robbery [in the event there is no Evacuation under SECTION II]
2,000
2.4
2.4 Inpatient treatment due to Accident [in the event there is Evacuation under SECTION II] *Co-payment: 25%
10,000
20,000
50,000
3.
3. Cash Allowance
3.1
3.1 Natural Parent Support [Provided for maximum 2 persons, in the event of Death of Insured Member payable in item 1.1 and his/her natural parent(s) is/are from 60 years old and above]
250 per member
Maximum 500
3.2
3.2 Natural or Adopted Children Support [Provided for maximum 2 persons, in the event of Death of Insured Member payable in item 1.1 and his/her natural or adopted child/children is/are below 18 years old]
250 per child
Maximum 500
3.3
3.3 Student Allowance [In the event the Insured Member is pupil or student age below 18 years old and suffer Permanent Disablement payable under Item 1.2]
10% of permanent disablement amount
Maximum 1,000
3.4
3.4 Outstanding Student Award [in the event the Insured Member’s natural or adopted children who is the candidate of Grade 9 and Grade 12 National Outstanding Student Competitions organized yearly by Ministry of Education, Youth and Sport of Cambodia]
250 per child
No limit to number of chidren
4.
4. Other Benefits
4.1
4.1 Disappearance
10,000
20,000
50,000
4.2
4.2 Funeral Expenses Subsidy (non-accidental death)
500
4.3
4.3 No Claim Bonus
5% every year (up to maximum 25%)
4.4
4.4 Snake Bites and Insect Bites Clause
Up to Sum Insured of each Insured Event
MAXIMUM ANNUAL LIMIT FOR SECTION I: ITEMS 1, 2 AND 4
10,000
20,000
50,000
SECTION II: INTERNATIONAL EMERGENCY MEDICAL ASSISTANCE (IEMA)
5.
5. Emergency Medical Evacuation due to Accident
6.
6. Emergency Medical Repatriation due to Accident
7.
7. Repatriation of Mortal remains due to Accident
Fully Cover

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Support for when you need it most
The unexpected happens
You are on your way to work and got into an accident. You call our emergency hotline.
You get treated for your injuries
Get treatment up to the value of the maximum annual limit of your policy (see Schedule of Benefits). Emergency medical evacuation and/or repatriation costs are fully covered.
You are taken to hospital
Your attending doctor will assess your injuries and discuss with a Forte-appointed doctor to determine the best treatment for you, either locally or overseas. We aim to arrange evacuation within 48 hours*
Your claim is settled quickly
We aim to settle your claim within 14 working days* *Subject to terms and conditions and satisfactory documentation
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