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What if I do not have enough savings in my CPF Ordinary Account to pay the annual premium for Home Protection Scheme?

We will inform you to top-up if you do not have enough balances in your CPF Ordinary Account (OA) to pay the Home Protection Scheme (HPS) premium.

You have a grace period of two months to pay the premium for your HPS policy. Your HPS cover will end if you are still unable to pay the premium by the end of the grace period.

You may top-up for your HPS premium via the following means:

  1. PayNow at e-Cashier, or
  2. Cash at any Singapore Post branch offices

HPS premium top-up, which is credited to your OA is considered a voluntary contribution and is subject to the prevailing CPF Annual Limit.

If you have incoming working contributions that will be credited into your OA within the grace period, and the amount is sufficient to cover your premium shortfall, you may choose not to take any action. We will deduct the shortfall from your new working contributions.

Alternatively, your family member (i.e. your spouse, parent, child or sibling) who co-owns the flat with you can authorise us to use his CPF OA savings to pay for your HPS premium online using his Singpass.

Your HPS cover will end if we are unable to deduct the premium by the end of the grace period.