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How can I apply to be exempted from Home Protection Scheme?

You may apply to be exempted from the Home Protection Scheme (HPS) if your private insurance coverage is enough to cover your outstanding housing loan against death, terminal illness (TI) and total permanent disability (TPD) until the end of your loan term or age 65, whichever is earlier.


  • Approach the insurer(s) of your private insurance policies to submit your application to be exempted from HPS.
  • Provide to your insurer(s) supporting documents showing your current* housing loan details, i.e. loan commencement date, balance loan amount, balance term of loan and the mortgage rate. These can generally be found on your housing loan statement.

*Within six months from the date the application for exemption is submitted.

We will only accept applications submitted by insurers. Upon receipt of the application and necessary documents, we will assess your eligibility for exemption from HPS, and inform you of the outcome within five working days.

If you are successful in the exemption application, you will get a full premium refund into your CPF Ordinary Account (OA) provided that the exemption application is received (by the Board) within one month from the issuance of the HPS cover. Otherwise, a pro-rated refund will be credited to your OA upon the termination of your HPS cover.