But the insurance company can not claim against the descendants, ancestors relative by marriage , manager and employee who are living in the residence of the relative by marriage , manager and employee who are living in the residence of the insured , except it is the malicious case caused by any one among these people.

The life of the Personal accident insurance includes the life insurance , health insurance and
personal accident insurance.

After claim payment for life and personal accident insurance , the insurance company can
not claim for subrogation right from the contracting party or beneficiary for the purpose to sue the third party.

The following conditions are not eligible for the insurance in case of the death :

1. A person has functional nervous disease.
2. A person who is hospitalized in a psychiatric hospital

1. Full name , date of birth of the applicant
2.Full name of the beneficiary, if any
3. Any events or terms providing about refunding of the insurance premium.
4. Conditions of exclusion if specified in the contract.

The insurance policy shall be voided for the beneficiary when the beneficiary
intentionally kills or colludes to kill the insured .

This dispute between the insurance company and the insured which cannot be settle
through the compromise or arbitration , both parties can refer the case to the competent court in the Kingdom of Cambodia .

The physical or legal person that own and operates commercial Motor vehicle for fare in the Kingdom of Cambodia shall have to buy insurance from an insurance company for liability against loss or damage to third party arising out of the Motor vehicle operation, including all type of trailers.

This insurance valid not only to the Motor vehicle owner but to the driver and the
caretaker as well.

The type of commercial Motor vehicle which are required to be insured shall be defined
in the sub-decree.

The third party who well obey the traffic rules and sustains the bodily injury or property
damage caused by the operation of commercial motor vehicle shall be indemnified by the insurance company for loss or damage timely and accordingly to the degree of damage .

The third party liability insurance shall not be applied to loss or damage arising out of an
event occurred outside the geographical area of the kingdom of Cambodia except otherwise agreed.

This insurance shall be applied to the victim of the traffic accident who sustains bodily
injury, disability or death whether this person being transported in the insured motor vehicle.

Physical or legal person which is the constructor shall have to buy liability insurance.

On starting the project, the constructor shall be certified that they have purchased liability
insurance from an insurance Company.

The type of project which is obliged to be insured shall be defined in the sub-decree.

The insurance contract on liabilities in accordance with the article 40 shall include the
term and conditions which indicate the maintenance period after the project completion.

Physical person or legal person that operates the passenger transport business by
various transport means shall have to purchase liability insurance for passengers being transported on their own means of transport by road, sea, river, air or railroad.

Type of means of transport which are obliged to be insured shall be defined in the sub-decree.