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How do I claim the Home Protection Scheme benefits?

A Home Protection Scheme claim can be made when a member passes away or suffers from terminal illness or total permanent disability.

If an outstanding housing loan was insured by the deceased under the HPS, we will automatically assess the deceased’s claim eligibility once CPF Board is notified of the member’s death by the Immigration and Checkpoints Authority (ICA). 


CPF Board will inform the family members of the outcome and if additional information is required. 


When the claim is approved, the outstanding loan will be paid directly to the mortgagee. 

The member can make a claim by applying online using his/her Singpass.


CPF Board may arrange for the member to be further examined by CPF Board’s doctors to determine his/her eligibility to claim HPS benefits.

  1. A doctor's memorandum or medical report on the medical condition (dated not more than six months from claim application date).
  2. A letter from last employer showing the employment status or a letter on the cancellation of self-employed license.
  3. Any other documents to support the claim (e.g. claim forms from other insurance companies or police report on incapacity due to accidents, etc).