PA-Micro Loan

PA-Micro Loan helps you manage risks by providing compensation when an insured event occurs.

Detail Information

When an unexpected, unfortunate event occurs, the bank will provide you with compensation. This helps ensure that you do not have to use your personal funds—such as savings, money invested in a business, emergency reserves, or proceeds from selling​ your assets—to settle your debt.

Key ItemsTermsDescription
Loan TypeMicroloanLoan amount: ≤ USD 20,000 (based on exchange rates for KHR & THB)
 Coverage PeriodUp to 7 years
 Eligible Age18–65 years
Insurance Premium PlanCoverage period ≤ 3 years0.7% of the insured amount
 Coverage period > 3 years0.6% of the insured amount
 Premium paymentOne-time lump-sum payment
Policy RenewalRenewalAutomatically renewed every 12 months
Insured Amount and Insurance Coverage PeriodNew Loan
  • The insured amount is based on the total loan amount, and the coverage period is equal to the loan contract term
  • Upon request, the minimum insured amount must be at least 50% of the total loan amount, with a minimum coverage period of 3 years for loans with a term exceeding 3 years.
 Additional LoanThe insured amount is based on either the additional loan amount or the total loan amount. The coverage period is equal to the actual loan term, or a minimum coverage period of 3 years for loans with a term exceeding 3 years.

Benefit

  • 100% Coverage
    • Accidental death
    • Permanent disability due to an accident
    • Funeral benefit in case of death due to illness
  • Additional Coverage
    • Disappearance is legally presumed dead after a period of 12 months
    • Accidents arising from playing football and other recreational sports (non-professional and social activities)
    • Accidents resulting from the use of motorcycles
    • Accidents caused by mountain climbing
    • Insect bites, snake bites, and animal attacks
    • Accidents caused by natural disasters
    • Accidents caused by suffocation or inhalation of toxic gases, drowning, and food poisoning

How to Purchasing insurance

To Purchasing insurance, please follow these simple steps:

  • Visit your nearest SBI Bank (Cambodia) branch to discuss your financial protection needs with our dedicated insurance specialists.
  • Our staff will guide you through the available options and help you choose the insurance plan that best fits your goals and budget.
  • Fill out the insurance proposal form and submit the required documents 
  • Pay your insurance premium conveniently via direct deduction from your SBI Bank (Cambodia) account or by making a cash payment at the counter.
  • Once your application is approved, the insurance provider will issue your official Policy Document, confirming that your protection has officially started.

For More Information

  • Visit our nearest branch to speak with our staff directly.
  • Contact our Call Center for Guidance and Support via Facebook Page or call: 023 980 888 / 093 671 111

Terms and Conditions

Terms and conditions are subject to change at the discretion of the Bank without prior notice to the Customer.

Related Insurance Services

PA-Micro Loan
Auto Insurance