The Government of Cambodia recently launched its National Social Protection Policy Framework to strengthen and expand its social protection system. To inform the future direction of social health protection policy in Cambodia we examine the 2016 Cambodia Socio-economic survey to assess the current coverage potential of existing health insurance schemes and coverage gaps; and, compare fair and equitable contribution rates. The current health coverage expansion efforts are likely to primarily benefit individuals from higher income households. In addition, recent directives to expand coverage to some informal workers leaves significant gaps, particularly among vulnerable groups, farmers, and the self-employed. The average out-of-pocket health care costs exceed capacity to pay among individuals in the lower wealth quintiles. Thus, we conclude they should be considered financially vulnerable. Finally, we illustrate that a fair and equitable approach to individual, monthly healthcare contributions will yield low premium rates and collection costs could exceed the amount collected, particularly among the informal sector. Therefore, we recommend that, in addition to other vulnerable groups and uncovered households in the first wealth quintile, people second and third quintiles who are not formally employed, should be exempted from premium payments as social health protection is expanded.

中文翻译：

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扩大柬埔寨的社会健康保护：对当前覆盖潜力和差距以及社会公平考虑因素的评估

柬埔寨政府最近启动了其国家社会保护政策框架，以加强和扩大其社会保护体系。为了告知柬埔寨社会健康保护政策的未来方向，我们检查了 2016 年柬埔寨社会经济调查，以评估现有健康保险计划的当前覆盖潜力和覆盖差距；并且，比较公平和公平的贡献率。当前的健康覆盖范围扩大努力可能主要使来自高收入家庭的个人受益。此外，最近将覆盖面扩大到一些非正规工人的指令留下了很大的差距，特别是在弱势群体、农民和个体经营者之间。平均自付费用医疗保健费用超过了较低财富五分之一个人的支付能力。因此，我们得出的结论是，他们应该被视为财务脆弱。最后，我们说明，对个人每月医疗保健缴费采取公平公正的方法将产生低保费率，并且收款成本可能会超过所收取的金额，尤其是在非正规部门中。因此，我们建议，随着社会健康保障的扩大，除其他弱势群体和财富第一五分位的未覆盖家庭外，未正式就业的第二和第三五分位人员应免交保费。