Insurers.global
Illustrated portrait of Cambodia; geographic and cultural interpretation, not regulator premises.
← The regulatory atlasCOUNTRY PERSPECTIVE / Cambodia

Regulator within a non-bank supervisory framework

CambodiaIRC

Insurance supervision in Cambodia.

AI-generated country illustrationSources checked

01 / The institution

Insurance Regulator of Cambodia

The IRC’s legal library sets out the insurance law and the law organising the wider Non-Bank Financial Services Authority.

How it is structured

Regulator within a non-bank supervisory framework

Institutional source ↗

The legal foundations

Mandate, written into law.

Establishing legislation and the rules governing insurance may be different instruments.

02 / Market signals

The numbers, with context.

Figures retain the reporting period and accounting basis of their source. They are snapshots, not live indicators or directly comparable country rankings.

2025USD 367m+

Gross insurance premiums

Rounded total reported by IRC; life is 55.6%, general 41.4% and microinsurance 3%.

Printed pages 13–14 ↗

Insurance penetration. IRC reports 2025 penetration of 1.11%, versus 1.13% in 2024; density was USD 20.95 per person.

03 / The report notebook

A dated view of the market.

What we noted in the regulator’s publications. Each entry separates the period covered, publication date when known, and our review date.

ReviewedNOTE 01

2025 · Published

Insurance Regulator of Cambodia Annual Report 2025 ↗

Scanned English market-overview pages read visually, including the premium, penetration, density and distribution charts. Life, general and microinsurance are included in the premium mix.

Bancassurance distribution share

46.6%

Banks were the largest distribution channel in the report, ahead of sales personnel at 22.8% and individual agents at 17.5%.

Insurance Regulator of Cambodia Annual Report 2025Printed page 14 · Country illustration
Read the original publication ↗

04 / Official contacts

Reach the institution.

Public institutional channels, checked 17 September 2026.

Research trail

Sources you can follow.

Independent editorial research by Insurers Global. Source dates do not certify that a law includes every subsequent amendment.

  1. Laws ↗Checked
  2. Institutional website — contact route ↗Checked
  3. Insurance Regulator of Cambodia Annual Report 2025 ↗Checked

Country scenes are AI-generated illustrations made with OpenAI image tools, not official regulator photographs or endorsements. Quotations remain searchable text. Report figures and directory verification are maintained separately.