PHILLIP GENERAL INSURANCE (CAMBODIA) PLC No. 27 AB, Preah Monivong Blvd., Sangkat Srah Chork, Khan Daun Penh, Phnom Penh, Cambodia E-mail: info@phillipinsurance.com.kh Website: www.phillipinsurance.com.kh Tel: (+855) 23 723 888 ©Phnom Penh 2020
COMPANY PROFILE
CONTENTS
CONTENTS 01
MESSAGE FROM CEO……………………………………………………...........
02
02
ABOUT US……………………………………………………………………………………..
03
03
MISSION, VISION AND CORE VALUES……………………………….. 04-05
04
MANAGEMENT PROFILE………………………………………………………..
06-12
05
OUR PRODUCTS…………………………………………………………………………
13-17
06
OUR CLAIM SERVICE PHILOSOPHY…………………………………..
18-20
07
A MEMBER OF THE PHILLIPCAPITAL GROUP……………….
20-21
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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MESSAGE FROM CEO Welcome to Phillip General Insurance (Cambodia) Plc. owned by the PhillipCapital Group based in Singapore. In Cambodia, we are also related to Phillip Bank, Phillip Life Assurance (Cambodia), Kredit Microf inance Institution and First Finance. We received approval from the Ministry of Economy and Finance (MEF) and obtained our General Insurance Licence on 9th June 2017. We look forward to protecting you, your family members, your businesses and your assets with our wide range of insurance policies. We can also customize policies to suit your business requirements as well as cater to your employees’ coverage and growth of your business. Our business partners include brokers, agents, Financial advisors. banks and other financial institutions. We aim to be Cambodia’s Number 1 choice for insurance with the widest and most affordable range of personal and commercial products. We look forward to serving you and hope you will let us have the pleasure of being Your Partner In Insurance soon. The PhillipCapital Group, which has a history of over 40 years, is a global financial services organisation, with over 3,500 employees spanning 17 countries. we manage more than USD 35 billion in assets and has a strong track-record of reliability.
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
The PhilipCapital Group is headquartered in Singapore and has been a pioneer in the financial services and technology industry since 1975. Philip Capital is an Asian integrated financial house providing a wide range of products and services with presence in 17 countries with offices in (Singapore, Malaysia, Indonesia, Thailand, Hong Kong, China, Japan Sri Lanka, United Kingdom, France, Turkey, India, Australia, UAE, USA, Cambodia and Vietnam). The Group has more than 1 million clients worldwide and manages assets exceeding USD 35billion. The financial strength of the Group is backed by its shareholders’ funds of over USD 1.5 billion (as at December 2018). There are currently four companies in the financial industry in Cambodia that belongs to the PhillipCapital Group:
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Phillip General Insurance (Cambodia) Plc. Phillip Life Assurance (Cambodia) Plc. Philip Bank Plc. First Finance Plc.
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
ABOUT US.
ABOUT US
03
OUR VISION, MISSION AND CORE VALUES VISION To distinguish Phillip General lnsurance as an excellent Insurance Service Provider and trusted business partner in insurance with the most professional and innovative solutions.
MISSION To help our customers grow and sustain their business and financial prosperity by protecting their businesses and their families, and providing them peace of mind in both their businesses and persoal lives.
CORE VALUES
01 04
EMPLOYEE CARE
PROACTIVNESS
We believe in the philosophy that we treat our staff well, they will treat our customers better
We strive to respond to our client’s requests or enquiries promptly
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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SOLUTION ORIENTED
We believe that team work is the back bone of our success
We are committed to seeking the right solutions to issues facing our clients
INTEGRITY
ACCOUNTABILITY
We believe in the principle of utmost good faith. Hence, we conduct our business in a digniďŹ ed and ethical manner
We take full responsibility for our actions and honour our commitments
CLIENT ORIENTED
PROFESSIONALISM
We listen to understand our clients' needs and provide the solutions that meet their requirements
We conduct our business with the highest professional standards to build a long-term business partnership rather than a one-off relationship
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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CORE VALUES
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TEAM WORK
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MANAGEMENT PROFILE
MS. VIOLET KO Chief Executive OfďŹ cer
Ms. Violet KO graduated from the University of Singapore with a degree in Business Administration. She also holds a Fellowship in General Insurance from the Chartered Insurance Institute, England. She is a well-known veteran in the Singapore Insurance Industry. She has built her track record with top Singaporean. British, E u ro p ea n and American Insurance Companies throughout her career. She has also worked With an international insurance broker. Besides building a successful corporate career in insurance, Violet has also served in various committees of the General Insurance Association of Singapore and was President of the Rotary Club of the Civic District. She has a strong belief in social contributions and devotes much of her time to share her experience of educational institution like the Singapore College of Insurance, Chartered Insurance Institute, ITE College, and other tertiary institutions. She has also written textbooks for the insurance industry, designed training programmes and provided consultancy services for insurers in the region.
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
Head of Claims Department
Leng was the recipient of “ The Eiffel Excellence Scholarship Program by the French Ministry of Foreign Affairs and International Development 2008 to 2010. The Programme was established by the French government to enable French higher education establishments to attract top foreign students to enroll in their Master’s and PhD courses. In the first year of the scholarship programme, he obtained a Master of Business Law, specializing in Company Law, from the University of Jean Moulin Lyon III, Lyon, France. After graduating from the Master of Business Law, he pursued the Master and University Degree of Insurance Law, from the Insurance Institute of Lyon, (Institut des Assurances de Lyon), University of Jean Moulin Lyon III, Lyon, France. He returned to Cambodia upon graduation to offer himself to the local insurance industry. He worked for both local and foreign insurance companies for the past 8 years and has amassed a wealth of experience in the field. He believes strongly in the benefits and value that insurance can bring to the local Cambodians and Cambodian businesses. He is excited to take on the responsibility of building the Claims Department of Phillip General Insurance (Cambodia) Plc.
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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MANAGEMENT PROFILE
MR. NGOV LENG
MANAGEMENT PROFILE
MR. HEANG BUNHAY Head of Underwriting Department
Bunhay graduated from Norton University with a Bachelor Degree in Economics, Banking and Fnance in 2000. He has more than 13 years’ experience in the general insurance Industry. Since his first job in 2007, he has confidently handled various lines of business sources such as property and non-property insurances and reinsurance as well as conducting and writing up risk survey reports. He has also worked on product development and insurance system upgrades. Bunhay has built upon his experience and professionalism by actively participating in both local and international seminars and training such as ‘The best Underwriting practice on Property and Engineering conducted by the Swiss Reinsurance Company Ltd’ Bunhay has a good understanding of the Cambodian market and is very familiar with market players and the kingdom’s rules and regulation. We are confident that he will be the driving force behind his Underwriting team.
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
Head of Finance Department
Haypheng holds a Bachelor Degree in Finance and Banking from the Royal University of Law and Economics as well as Master's Degree in Financial Management. He is currently pursuing an ACCA program at CamEd Business School. Haypheng has over 14 years of experience in a wide range of industries which includes Garment, Food and Beverages, Hospitality, Logistics, Education, Trading, Utilities and Insurance. He has taken on the responsibility of establishing the Accounts and Finance Department of Phillip General Insurance (Cambodia) Plc. He also has responsibility for HR and Administration. He also oversees the IT Department.
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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MANAGEMENT PROFILE
MR. BUN HAYPHENG
MANAGEMENT PROFILE
MR. NANG PISEY Head of Business Development Department
Mr Pisey holds a Master’s degree in Management from the National University of Management. He graduated from the Institute of Technology of Cambodia (ITC) with a degree in Electrical and Energy Engineering and holds a second Bachelor’s degree in English from Phnom Penh International University (PPIU), Cambodia. Pisey is also pursuing a Certificate of Insurance Practice at the Malaysian Insurance Institute (MII). He started his career as an Engineer in the Telecommunication industry, honing his skills and technical knowledge at a well-known foreign-owned company. He then joined a loss adjusting firm where he capitalized on his engineering experience to strengthen his capacity in adjusting various types of claims and conducting risk surveys for many local insurers in Cambodia. Pisey is friendly and is a good team player. He unstintingly provides advice, support, and most of all, coaching to everyone in his team. With his strong commitment, network and experience, he is a scarce resource in the industry and will be a great mentor to the members of our Business Development Department.
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
Deputy Head of Underwriting
T h i m a h o l d s a B a ch e l o r ’s D e g re e i n E n g l i s h fo r International Business f rom the Institute of Foreign Languages (IFL) with the award for the 1st most out standing student. She also holds another Bachelor’s Degree In Khmer Literature f rom Royal University of Phnom Penh (RUPP) under scholarship. She also holds the Diploma in General Course from the Insurance School (Non-Life) of Japan for the betterment of the insurance business. It is internationally conducted under the joint auspices of the General Insurance Association of Japan and the General Insurance Institute of Japan. She completed a training in ASEAN School for Young Insurance Managers Programme (AYIM 6th Intake), conducted by Singapore College of Insurance. She has also completed various training on risks and markets in Insurance sector. She has more than 7 years’ experience in Underwriting within the general insurance industry. She also plays a key role on product development and system. Commitment and integrity is her strong value added to the Company.
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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MANAGEMENT PROFILE
MRS. CHAMROEUN THIMA
MR. PICH SAMBATHSAKOL Deputy Head of Claims
Sambathsakol holds a bachelor’s degree in Medicine from the University of health and Science, International University of Cambodia. He also holds a Master’s degree in Public Health from the National Institute of PublicHealth. H e started his career in the claims department with a local general insurance company from 2012 to 2014. Before joining Phillip General Insurance (Cambodia) Plc, he served in the Peace Corps providing primary medical care, managing a medical unit and working with partner hospitals to develop emergency action plans for their personnel should health issues arises. He is always looking to improve his skill, he participated in an exchange programme at Tsinghua University (Beijing, China) and conferences in Pharmaceutical Management and Product knowledge (Melaka, Malaysia) and continuous Medical Education, and implementation of electronic Medical Records (Washington, D.C) Dr. Sakol has taken on the role of Deputy Head of Claims and will help the Company to set up panel hospitals throughout Cambodia. Goal driven and a quick learner, he has dedicated himself to developing the company’s health products and future professional indemnity insurance for medical practitioners. Dr. Sakol will certainly add value to Phillip General Insurance (Cambodia) Plc and its customers. 12
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
Deputy Business Development Manager
Rithy has 7 Years’ experience in the General Insurance industry. He has also worked with various NGOs for 13 years previously. He has a bachelor’s degree focused in English Communication from Norton University.
OUR PRODUCTS
MR. UNG RITHY
Rithy has a keen interest in improving his professionalism and has participated in the following programmes:
1. ASEAN Young Insurance Managers’ program f rom Singapore. 2. Professional Training in Sales Management, EuroCham 3. Certificate of Insurance for product training from Basic level- advance level
Other than the above, Rithy is also pursuing a Master’s Degree at Norton University and a Certificate in General Insurance with the Chartered Insurance Institute (CII). He will certainly be an important member of the PGI management team.
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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OUR PRODUCTS MOTOR INSURANCE Be always protected while on the go! Our motor vehicle insurance policies provide a wide range of coverage and exible plans.
WHAT IS COVERED? Basic Cover: Third Party Liability provides cover for third party bodily injury, death and property damage while using the vehicle. Optional Covers: Customers may choose from a wide range of additional coverages such as Own Damage, Theft, Accident to Driver, Accident to Passengers Comprehensive Cover: Consists of Third Party Liability + Own Damage + Theft + Accident to Driver + Accident to Passenger.
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
OUR PRODUCTS
PROPERTY An Umbrella to Protect Your Financial Loss! We cover a wide range of property f rom residences commercial to heavy industry. We also provide coverage for fire-related accidents, catastrophe perils and other type of risks.
WHAT IS COVERED? Basic Cover: Fire, Lightning and Domestic Gas Explosion. Additional Perils: customers may select from a wide range of perils to cover additional risks such as Flood, Storm, Riot & Strike, Vandalism, Impact Damage or Business Interruption etc. All Risks Cover: For large property risks, all risks insurance is the better choice when providing security for your investment. We can provide a tailor-made and flexible coverage based on the customer’s needs and budget.
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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PERSONAL ACCIDENT INSURANCE Life is Priceless! Protect Yourself and the Bright Future of you and your loved ones.
WHAT IS COVERED? Basic Cover: covers all accidents resulting in death, total permanent disablement, and medical expenses Optional Covers: customers may select f rom a wide range of additional coverage such as Food Poisoning, Insect/ Snake/Animal bite, Suffocation by Smoke. etc.
HEALTH INSURANCE The cost of medical treatment is on the rise, you want complete peace of mind while receiving the best medical care. Health Insurance helps to relieve part of the burden.
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
OUR PRODUCTS
WHAT IS COVERED? Basic Cover: covers inpatient treatment during hospitalization and the fees of any hospital visit in accordance with the schedule of benefits. Optional Covers: customers may select additional cover age from a wide range of options Such as: Outpatient Treatment, Pregnancy, Optical or Dental Benefits etc.
MARINE CARGO INSURANCE Protects your Cargo whilst in transit! We have various affordable coverage for all means of transit. We can arrange one-off cover for each marine transit or arrange marine open cover for clients with multiple transits throughout the year.
WHAT IS COVERED? INLAND TRANSIT • All Risks Cover TRANSIT BY AIR/SEA CLAUSE A • All Risks Cover
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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CLAUSE B Risk Clause This insurance covers, except as provided in Clauses 4, 5, 6 and 7 below, 1.1 loss of or damage to the subject-matter insured reasonably attributable to 1.1.1 1.1.2 1.1.3 1.1.4 1.1.5 1.1.6
fire or explosion vessel or craft being stranded, grounded, sunk or capsized overturning or derailment of land conveyance collision or contact of vessel craft or conveyance with any external object other than water discharge of cargo at a port of distress earthquake, volcanic eruption or lightning,
1.2 loss of or damage to the subject-matter insured caused by 1.2.1 general average sacrifice 1.2.2 jettison or washing overboard 1.2.3 entry of sea, lake or river water into vessel craft hold conveyance container liftvan or place of storage, 1.3 total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft. CLAUSE C Risk Clause This insurance covers, except as provided in Clauses 4, 5, 6 and 7 below: 1.1. loss of or damage to the subject-matter insured reasonably attributable to 1.1.1. 1.1.2.
fire or explosion vessel or craft being stranded, grounded, sunk or capsized 1.1.3. overturning or derailment of land conveyance 1.1.4. collision or contact of vessel craft or conveyance with any external object other than water 1.1.5. discharge of cargo at a port of distress, 1.2. loss of or damage to the subject-matter insured caused by 1.2.1. general average sacrifice 1.2.2. jettison.
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
CONTRACTOR’S ALL RISKS INSURANCE • Protection against construction risks • Individual policies to cover specific projects or open cover to provide protection for all projects undertaken throughout the year. ERECTION ALL RISKS INSURANCE • Protection against ERECTION & TESTING RISKS • Individual Policies to cover specific projects or Open Cover for multiple projects undertaken throughout the year. MACHNINERY BREAKDOWN INSURANCE • Protection against loss due to the breakdown of Machinery whether at work, at rest, during cleaning or inspection. BOILER & PRESSURE VESSEL INSURANCE • Covering Boiler and Pressure Vessel itself and Third Party Liability with the option to cover own surrounding property. CONTRACTOR’S PLANT & EQUIPMENT INSURANCE • Covering Plant & Equipment against Fire, Theft, External Physical Damage, etc. ELECTRONIC EQUIPMENT INSURANCE • Covers Computer & Electronic Equipment while at work or at rest or during dismantling cleaning or overhauling. DETERIORATION OF STOCKS INSURANCE • Covers the deterioration of stock in cold storage rooms resulting from machinery breakdowns.
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
OUR PRODUCTS
ENGINEERING INSURANCE
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MISCELLANEOUS INSURANCE GENERAL LIABILITY INSURANCE • Protect clients against third party lawsuits resulting from negligence or lack of duty of care. PROFESSIONAL LIABILITY INSURANCE • Protects certain types of professional occupations against Errors and/or omissions in their professional duties. BURGLARY INSURANCE • Covering your properties against housebreaking or robbery. FIDELITY GUARANTEE • Protection against employee’s embezzlement MONEY INSURANCE • Covering money while in transit and from safes in premise against burglary or robbery. PLATE GLASS INSURANCE • Covering the cost of accidental breakage of insured glass by any reason whatsoever, except those causes that are specifically excluded in the Policy. BANKER’S BLANKET BOND • Covering fidelity, forgery/alteration, securities, cash in transit, computer crime etc. DIRECTOR’S & OFFICER’S LIABILITY • Provides coverage against wrong conduct of the directors and officers representing the company.
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PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
PHILLIPCAPITAL GROUP
OUR CLAIM SERVICE PHILOSOPHY An insurance company’s reputation for settling claims is as important as the insurance coverage it provides. That’s why our claim service stands behind every purchase our customers make to help protect their business, home, property, themselves or their loved ones. Prompt payment of legitimate claims is our priority. We endeavour to keep things simple for our claims process and we will always be there whenever you need us. That’s one way of repaying the trust that our client has placed in us. We believe in the philosophy that “We treat each customer the way we would like to be treated if we experience the same loss – with integrity, empathy, promptness, expertise, fairness, efficiency, proactiveness, and a win-win solution approach.” Once a claim is reported, our goal is to respond within the same day beginning with a telephone call or a personal visit to assess the claim, understand our customer’s concerns, explain the claim settling process and provide guidance on the necessary next steps to take. It’s our standard policy to issue payment within 7 working days of agreement to pay for a covered loss.
PHILLIP GENERAL INSURANCE (CAMBODIA) PLC
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A MEMBER OF THE PHILLI UNITED KINGDOM
FRANCE
UNITED STATES
IPCAPITAL GROUP
TURKEY CHINA JAPAN DUBAI
INDIA
HONG KONG
THAILAND SRILANKA
CAMBODIA VETNAM
MALASYSIA SINGAPORE INDONESIA
AUSTRALIA
PHILLIPCAPITAL GROUP IS PRESENT IN 17 COUNTRIES
THANK YOU !