Beware of scam calls and scam messages impersonating as CPF officers asking for your personal details. Ignore them and do not share your Singpass ID/password or banking details with anyone. CPF officers will NOT ask for your Singpass, banking userid or password.

Scheduled Maintenance: CPF digital services will not be available from 26 Nov 2022, 10pm to 27 Nov 2022, 7am.

Maintenance: CPF digital services are not available on 22 Nov 2022 from 12.30pm to 2.30pm. You may access CPF Mobile app.

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What can I do if I do not want to be insured under the Home Protection Scheme?

You can apply to be exempted from the Home Protection Scheme (HPS) if you already have a mortgage-reducing insurance or an appropriate life insurance policy that is enough to cover your outstanding housing loan up to the full term of loan or age 65, whichever is earlier, in the event of death, terminal illness or total permanent disability.


  • 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.

You will get a full premium refund into your CPF Ordinary Account (OA) if 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.