Zora Health / Employer guide / Cambodia
Support employees through fertility treatment, and keep the talent you have invested in.
Fertility treatment rarely fits around a work calendar, and most employees go through it quietly, often while doing some of their best work. Zora Health helps you build practical fertility support, from policies and manager guidance to confidential care navigation and access to 128+ partner clinics in 16 countries, around your workforce and budget. Companies including Hilton, LinkedIn, Sanofi, HSBC, Mastercard, Carousell and Singapore Management University work with us.
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Five things Cambodian HR leaders should know
- NSSF health care for private sector workers excludes IVF, according to a law firm summary of Prakas No. 109 of 2016, so employees pay for treatment themselves. An egg donor agency’s June 2025 price list puts an IVF or ICSI cycle in Phnom Penh from US$5,500.
- Cambodia has no law on assisted reproduction. A Ministry of Health prakas dated 24 October 2016 requires IVF clinics to get permission to operate and bans commercial sperm donation and surrogacy. Clinics decide who they treat.
- A surrogacy law was drafted in 2017. On 31 October 2026, CamboJA News reported that none had been adopted and that cases are prosecuted under the human trafficking law.
- Maternity leave is 90 days, paid at 50% by the employer after a year of service, plus 70% from NSSF for insured women. Fathers have up to 7 days of special leave, and there is no fertility leave.
- Cambodia is not in the Aon or WTW medical trend tables, but WTW projects gross medical costs across Asia Pacific to rise 14.0% in 2026, so a fixed allowance keeps a fertility budget predictable.
Why fertility is a business problem for employers
Fertility treatment does not fit around a work calendar. A clinic sets the date of a scan the day before. Egg collection happens when the body is ready, usually about 36 hours after a final trigger injection. Then comes a two-week wait, and for many couples, another cycle. Your team feels it: missed meetings, unexplained absences, a strong performer who suddenly goes quiet.
No Cambodian survey measures how many employees hide fertility treatment at work, and no Cambodian infertility rate was found. The World Health Organization estimates that about 1 in 6 people worldwide are affected by infertility in their lifetime.
- Resignations. In a 2025 Ferring survey of more than 3,600 employees and employers in Australia, France, Japan, Poland and the UK, 39% of employees with fertility challenges had left or were considering leaving their job during treatment.
- Lower performance. In Carrot’s 2023 survey of 5,000 people in Canada, India, Mexico, the UK and the US, 55% said fertility challenges hurt their work performance.
- No state cover. NSSF health care excludes IVF under Prakas No. 109 of 2016 (Sciaroni & Associates summary).
- Unequal access. Clinics set their own eligibility rules; in 2014 one treated married heterosexual couples only (Phnom Penh Post).
What employers gain
Keep the people you spent the most to develop
Replacing an employee costs one-half to two times their annual salary, says Gallup. A written policy, paid time off and a funded allowance can help address barriers that contribute to employee attrition.
Stand out in a tight labour market
In Ferring’s 2025 survey, 73% of people with fertility challenges said they would be attracted to a role that offers fertility support, and 65% of Carrot’s 2023 respondents said they would switch to an employer that offers fertility benefits.
Make fertility support financially predictable
Cambodia is not in the Aon 2026 medical trend table or the WTW Asia Pacific table. WTW projects gross medical costs across Asia Pacific to rise 14.0% in 2026, after 13.2% in 2025.
Zora helps employers structure benefits around local treatment costs, at private clinics in Phnom Penh or abroad where your policy allows, so HR can run the programme within an agreed budget.
Want to see what this would look like for your Cambodian workforce?
What IVF costs, and what the state pays
Cambodia has no public IVF service and no national price list. Treatment is at private clinics, mainly in Phnom Penh, with prices usually quoted in US dollars. The Fertility Clinic of Cambodia and First Fertility Phnom Penh do not publish prices online. No clinic or news report of prices from 2024 to 2026 was found.
| Treatment | Typical cost | Notes |
|---|---|---|
| IVF or ICSI cycle | From US$5,500 | Agency price table, June 2025 (Eggdonors.asia) |
| IVF, Fertility Clinic of Cambodia | US$4,700 to 6,000 | Reported in 2014, when the clinic opened (Phnom Penh Post) |
| Elective egg freezing | US$2,250 | Agency price table, June 2025; storage fees not stated (Eggdonors.asia) |
| Frozen embryo transfer | US$1,500 | Same source |
| IUI | From US$500 | Same source |
| IVF with donor eggs | From US$8,500 | Same source |
Eggdonors.asia is an egg donor agency, and its prices have not been confirmed by clinics. The 2014 figure is more than ten years old. Ask each clinic for a written quote.
| Item | Public support (or own savings) | What the employee still carries |
|---|---|---|
| IVF and IUI | None. NSSF health care excludes IVF treatment and “artificial fertilities” (Prakas No. 109, 2016, Sciaroni summary) | The full cost of every cycle |
| Elective egg freezing | None. Own savings only (not a subsidy) | Stimulation, retrieval, freezing and storage |
| Maternity leave pay | Employer pays 50% of wages for 90 days to women with a year of service; NSSF pays 70% of average earnings for 90 days to insured women (see leave rules below) | Treatment costs before pregnancy are not covered |
| Tax relief | None found | The full cost |
The NSSF exclusions come from a law firm summary of the 2016 prakas; confirm current rules with NSSF.
Age is one of the strongest predictors of IVF success. Cambodia has no national IVF registry and no published success rates by age. For comparison only, the Australia and New Zealand registry (ANZARD) for 2024 reports live births per egg collection in fresh cycles using a woman’s own eggs (excluding freeze-all cycles) of 31.4% under age 30, 28.7% at 30 to 34, 19.0% at 35 to 39 and 6.3% at 40 to 44.
Rates fall with age and some couples need several cycles, so the size of an allowance, and when employees can use it, matter as much as whether you offer one.
Give Employees Access to Fertility Specialists Across Asia
Help employees navigate fertility care with access to doctors and clinics, treatment information, and clear guidance on IVF, egg freezing and other fertility options. Employees can explore their options privately, without needing to go through HR.
Fertility clinics in Cambodia on the Zora app include Orienda International Hospital, Fertility Clinic of Cambodia (FCC) and Royal Phnom Penh Hospital.
Fertility support that fits your workforce and budget
You do not need to overhaul your existing health insurance to support employees through fertility treatment. Start with awareness and manager education, add confidential one-to-one support, or introduce a funded allowance across your offices. There is no minimum company size.
Where included in the employer programme, eligible employees can use talks and care navigation without paying Zora a separate fee. Care navigation allowances are set in each proposal. Treatment and other third-party costs are paid separately, either by employees or through the fertility allowance their employer provides.
Companies starting the conversation
Essentials
Expert-led talks for employees and managers, fertility and menopause policy templates, manager guides and full access to the Zora app. Up to 2 talks a year.
Employees supported one to one
Navigation
Everything in Essentials, plus confidential one-to-one care navigation and access to our partner clinic network.
Large and multi-country teams
Complete
Everything in Navigation, plus quarterly anonymised reporting, a dedicated account manager and scheduled review meetings with HR.
Optional add-ons can be added to any programme, subject to availability: hormone and fertility diagnostics and telehealth with specialists. Pricing is tailored to your headcount, your countries and the services you choose. Most companies start with a single talk.
Request a proposal See how Zora works for employers
Comparing fertility benefit providers? Use our RFP question bank
Our RFP question bank has 40 questions, with why each one matters, what a good answer looks like and a scoring sheet for three providers. Six of the questions for Cambodia:
- Which clinics can employees use in Phnom Penh and Siem Reap, and can the allowance be used for treatment in Thailand or Vietnam?
- Are local-plan employees covered, or only staff on international health plans?
- Can single employees and same-sex couples use the benefit, given that Cambodian clinics set their own eligibility rules?
- How does the allowance work alongside NSSF, which excludes IVF, and the employer and NSSF maternity payments?
- Do you require an infertility diagnosis before support starts?
- How is health data handled before Cambodia’s draft Law on Personal Data Protection is enacted, and what does HR see?
Your download link appears here as soon as you submit. Zora Health may contact you about employee benefits; see our privacy policy.
Plan your fertility benefit budget
Fertility benefit budget planner
Model the annual claims budget for a fertility allowance. Change any number.
This is a claims budget, not a Zora quotation. Zora’s programme fees, implementation and optional services are separate.
Illustration only. Utilisation is an editable assumption, not observed Zora data. The calculation assumes each user claims their full annual allowance, and excludes programme fees and setup costs. For a tailored model, request an employer proposal.
Estimate the potential workforce impact of fertility challenges
A rough planning scenario. It applies a global infertility estimate to your headcount, so it is not a prediction for your workforce, a measured loss or a forecast of savings from any programme.
Range: US$45,100 to USclass=”zc-note o-rng”>Range: 27,600 a year, depending on replacement cost.
Assumptions: infertility affects about 1 in 6 adults (World Health Organization, 2023), applied to employees aged 25 to 44. Replacing an employee costs one-half to two times their annual salary (Gallup, 2019); the headline uses the low end. Absence is valued at salary divided by 250 working days. Exit rate and days lost are your own assumptions.
This is a hypothetical cost scenario, not a prediction of actual employee departures, an estimate of Zora’s financial impact or a guaranteed saving from fertility benefits.
Already have corporate health insurance? Here is where Zora fits
Your medical plan may cover some consultations and tests, but fertility treatment is often limited or excluded, so check your policy wording. Employees still need to understand their options, the public funding they qualify for and which clinic suits them.
Zora works alongside your existing insurance and benefits. We help employees get reliable information, navigate their care options and reach suitable specialists, and we give HR manager guidance, policy templates and, on the Complete programme, anonymised reporting. You strengthen fertility support without replacing your medical plan.
How Zora works
For your employees
Employees join the Zora app with a company code, or single sign-on for larger teams. They can learn about fertility and egg freezing, understand what your benefit covers, book a confidential care navigation call and find partner clinics and specialists.
For HR
- Kick-off, week 1. Agree goals, countries and which employees are eligible.
- Policy and benefit design, weeks 2 to 4. Draft or update your fertility policy using our templates.
- Launch, typically weeks 4 to 6. A launch talk for employees and managers, plus a communications pack for HR to send.
- Live support. Employees book care navigation calls and use the Zora app.
- Reporting, every 3 months, on the Complete programme. Anonymised usage, common themes and our recommendations, reviewed with your account manager.
Privacy
Employee privacy is central to our programmes. On the Complete programme, routine employer reports contain aggregated engagement and utilisation information, with safeguards to prevent identification of individual employees. On every programme, personal health information is not included in standard HR reporting, and employees can get help without telling their manager. Where eligibility checks or claims administration need individual-level data, access is limited to authorised parties for defined purposes, as agreed in writing before launch. Employee data is handled in line with Singapore’s Personal Data Protection Act and the principles of Cambodia’s draft Law on Personal Data Protection, which was still in draft as of August 2026, the latest status we could confirm, and which treats health data as sensitive personal data.
Clinics and doctors in Cambodia
Zora’s directory lists 3 clinics and 7 doctors in Cambodia. Locations include Phnom Penh. Of these clinics, 1 lists IVF.
Employees can browse clinics in Cambodia, see IVF clinics and find a doctor in Cambodia on the Zora app. The directory is for information only and is not an endorsement. See Zora’s employer guides for every country.
Rules and eligibility in Cambodia
Who can use assisted reproduction
Cambodia has no law on assisted reproduction. A Ministry of Health prakas dated 24 October 2016, announced in November, requires IVF clinics to get ministry permission, bans commercial sperm donation and bans surrogacy (Cambodia Daily; PET Progress). It sets no eligibility rules. In 2014 the Fertility Clinic of Cambodia limited treatment to married heterosexual couples as its own policy (Phnom Penh Post). A June 2025 egg donor agency page says Cambodian clinics also treat single women and same-sex couples, without naming them (Eggdonors.asia).
Offered by clinics, with no specific rules
No rule on egg freezing, age limits or storage periods was found. First Fertility Phnom Penh lists egg freezing among its services. Ask the clinic in writing about eligibility, storage periods and fees.
Banned, with a law still in draft
In August 2017 the Ministry of Women’s Affairs was drafting a law to permanently ban commercial surrogacy (PET Progress). As of 31 October 2026, CamboJA News reported that Cambodia still had no specific surrogacy law and that cases go to court under the Law on the Suppression of Human Trafficking and Sexual Exploitation. In December 2024, 13 Filipino surrogates were sentenced to four years for attempted cross-border trafficking, which the court later reduced to two years.
Maternity, paternity and fertility leave
Women get at least 90 calendar days of maternity leave. Those with at least one year of service are paid 50% of wages by the employer, and NSSF pays 70% of average earnings for 90 days to women with 9 months of contributions in the past 12 (WageIndicator; US Social Security Administration, 2018). There is no paternity leave; fathers may use up to 7 days of paid special leave under Article 171 for family events including a birth, which may be deducted from annual leave (WageIndicator). There is no fertility leave and no legal right to flexible work.
Pregnancy protection and health data
The Labour Law bars sex discrimination and does not name marital status (WageIndicator). A 2025 Ministry of Labour guideline forbids discrimination against pregnant employees in jobs, contract renewals and pay, bars dismissal during pregnancy and for one year after birth except for serious misconduct, and requires the employer’s maternity payment to be made in full before leave starts (DFDL). The draft Law on Personal Data Protection, released in July 2025 (Hogan Lovells), lists health data as sensitive personal data (draft text); it was still a draft at a validation workshop on 5 August 2026 (EuroCham Cambodia).
Why employers choose Zora
Companies including Hilton, LinkedIn, Sanofi, HSBC, Mastercard, Carousell and Singapore Management University work with Zora Health. We work alongside your existing insurance, helping employees use the cover they already have and find suitable specialists based on their needs.
Trying to conceive with a heavy workload took a toll on my husband and me. It helped us understand our options.
Questions HR teams ask us
Is fertility leave mandatory in Cambodia?
No. The Labour Law has no fertility or IVF leave. Employees usually use annual leave, sick leave or up to 7 days of special leave unless the employer offers more. Women get at least 90 days of maternity leave after birth.
Does NSSF cover IVF in Cambodia?
No. The NSSF health care scheme lists IVF treatment among its excluded services, according to a law firm summary of Prakas No. 109 of 2016. Employees pay in full unless their employer helps. NSSF does pay a maternity cash benefit to insured women after birth.
Can employees freeze eggs in Cambodia?
Private clinics in Phnom Penh offer egg freezing, and an egg donor agency’s price list from June 2025 gave US$2,250 before storage. No law setting age limits or storage periods was found, so ask the clinic in writing about eligibility and storage.
Does Zora replace our health insurance?
No. Zora works alongside your insurance. We help employees understand their options, find suitable specialists and use the cover they already have.
How much does a fertility benefit cost an employer?
It depends on the allowance, eligibility and expected uptake. Use the budget planner on this page for a first estimate, then ask us for a tailored proposal based on your headcount and countries.
How quickly can we launch?
Typically 4 to 6 weeks from contract to launch, depending on scope and countries. Most companies start with a single talk.
Related guides for Cambodian employers
Build a fertility benefit for your team
Whether you are introducing fertility benefits for the first time or improving an existing programme, tell us your headcount, countries and priorities. We will come back within two working days with suitable services, an indicative budget and a practical rollout plan for your Cambodian team. No obligation.
Not ready to talk yet? Explore how Zora works
Sources
- National Institute of Statistics, Cambodia Demographic and Health Survey 2021 to 2022, fertility report
- World Bank, Labor force participation rate, female, Cambodia (modelled ILO estimate)
- Sciaroni & Associates, Prakas No. 109 on Health Care Benefits (Ministry of Labour, 17 March 2016), July 2016
- Eggdonors.asia (egg donor agency), IVF in Cambodia: cost, clinics, egg donors, June 2025
- Phnom Penh Post, Cambodia set for first IVF babies, September 2014
- Phnom Penh Post, Fertility clinics: what the law says, September 2014
- First Fertility Phnom Penh, clinic services
- Cambodia Daily, Ministry of Health bans surrogate pregnancy, November 2016
- PET Progress, Cambodia bans commercial surrogacy industry, November 2016
- PET Progress, Cambodia moves to permanently ban commercial surrogacy, August 2017
- CamboJA News, Rights advocates call for law to regulate surrogacy in Cambodia, 31 October 2026
- WageIndicator Cambodia, Maternity and work
- WageIndicator Cambodia, Family responsibilities
- WageIndicator Cambodia, Fair treatment
- DFDL, Cambodia: New guideline on special protection for pregnant women, March 2025
- Hogan Lovells, Cambodia moves to enact comprehensive data privacy law, July 2025
- Draft Law on Personal Data Protection, English text, June 2025, Open Development Cambodia
- DLA Piper, Data protection laws of the world: Cambodia
- EuroCham Cambodia Advocacy Compass, Adoption of data protection and privacy laws, updated August 2026
- WTW, Double-digit medical cost increases projected to persist into 2026 in Asia Pacific, November 2025
- Aon, APAC employee medical plan costs to stabilise in 2026, October 2025
- ANZARD, Assisted reproductive technology in Australia and New Zealand 2024, August 2026
- US Social Security Administration, Social Security Programs Throughout the World: Asia and the Pacific, Cambodia, 2018
- Ferring Pharmaceuticals, Fertility Matters at Work and This Can Happen, workplace fertility survey, November 2025
- Carrot Fertility, Global Fertility at Work report, 2023
- Gallup, This fixable problem costs US businesses $1 trillion, 2019
- World Health Organization, 1 in 6 people globally affected by infertility, April 2023
Information on this page is correct as of 5 November 2026. Laws, public funding, insurance rules and treatment costs change often, so check current rules with the relevant authority, insurer or a qualified adviser before making decisions. This page is general information, not legal, financial, tax or medical advice.