Claiming under the Home Protection Scheme

HPS claims will not be payable if they arise from excluded pre-existing health conditions stated in the HPS certificate.

HPS claims are not payable if:

• Member has committed self-inflicted injury or suicide.
• Member has committed a criminal offence punishable by death.
• The claim arose out of the member's own intentional criminal act.

HPS claims are not payable if:

• Member provided false or misleading information.
• The claim arose from wars, warlike operations, or participation in any riot.

For claims under death grounds, HPS benefits will be paid in a lump sum.

Any excess claim amounts will be paid to the insured member's CPF Ordinary Account. Thereafter, the deceased member’s CPF savings will be distributed to nominees. In cases where no nominations are made, they will be distributed by the Public Trustee under the intestacy laws or Muslim inheritance laws. 

Co-owners or personal representatives will be informed once the HPS claim payment has been made.

For claims under medical grounds, the member's housing instalments can be paid by HPS for up to two years. After this period, the member’s eligibility to claim the remaining insured amount in a lump sum will be reviewed. 

Any excess claim amounts will be paid to the insured member's CPF Ordinary Account.