Scheduled Maintenance: CPF digital services will not be available on 3 Dec 2023, from 12am to 8am.

A Singapore Government Agency Website
Central Provident Fund Board logo
Who we are Tools and services Infohub
You are at
my cpf

Account balances, dashboards, statements, and more.
CPF overview
Growing your savings
Retirement income
Home ownership
Healthcare financing
Account services
Who we are
Tools and services
Infohub
e-Cashier
FAQs
Calculators
Forms
Main menu

my cpf

my cpf Home
My dashboards
My statements
My requests
My activities
My mailbox
my cpf

My dashboards

Retirement
Home ownership
Healthcare
Providing for your loved ones
Self-employment
Investment
Education
Child
my cpf

My statements

Contribution history
Transaction history
Year-in-Review
Yearly Statement of Account
Main menu

CPF overview

Find out more
Main menu

Growing your savings

Find out more
CPF contributions
More ways to save
Investments and interest
Government support
Growing your savings

CPF contributions

Employees
Self-employed persons
Growing your savings

More ways to save

Retirement top-ups and transfers
Matching grant for seniors
Voluntary housing refunds
MediSave top-ups
Growing your savings

Investments and interest

Investing your CPF
CPF interest rates
Growing your savings

Government support

Workfare Income Supplement
Main menu

Retirement income

Find out more
Monthly payouts
Retirement withdrawals
Government support
Retirement income

Monthly payouts

CPF LIFE
Other payouts
Retirement income

Retirement withdrawals

For immediate needs
For reduced life expectancy
Retirement income

Government support

Silver Support Scheme
Main menu

Home ownership

Find out more
Using CPF for housing
Protecting against losing your home
Planning your housing journey
Main menu

Healthcare financing

Find out more
Using MediSave
MediShield Life
Supplementary coverage
ElderShield
CareShield Life
Main menu

Account services

Find out more
Your account information
Providing for your loved ones
Account closure
Account services

Your account information

View account balances
Update account settings
Account services

Providing for your loved ones

CPF nomination
Insuring to protect your dependants
Account services

Account closure

When you pass away
When you leave Singapore

Your page is loading.
One moment please.

Overview

How to apply for an HPS claim

Death claim

Upon a member’s passing

If the insured member has an outstanding housing loan, 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 co-owner(s) or next-of-kin of the outcome and if additional information is required.

 

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

Claiming under medical grounds

Terminal illness

Terminal illness refers to an illness that is likely to result in the death of the member within 12 months.

 

A claim under terminal illness can be made only if the terminal illness started on or after 1 May 2016.

Total permanent disability

Total permanent disability refers to (i) the inability to take part in any employment permanently, or (ii) the total permanent loss of physical functions of both eyes, or two limbs, or one eye and one limb.

 

To qualify for a claim under (i), the member must no longer be physically employed.

 

A claim under (ii) can be made only if the total permanent loss of physical function started on or after 1 May 2016.

To make a claim under medical grounds

A member can make a claim by submitting an online application.

 

A detailed medical report may be obtained from the member’s doctor to determine the member’s eligibility to claim HPS benefits.

 

Arrangements may be made for the member to be further examined by CPF Board's doctors to determine his eligibility to claim HPS benefits.

Apply on medical grounds
Claim exclusions

Things to note

Please note the following exclusions before submitting an HPS claim.

Exclusion due to pre-existing condition

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

Events during the first policy year

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.
General exclusions

HPS claims are not payable if:

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

How are claim payments made?

The HPS claim benefits will be paid to the Housing and Development Board (HDB) or the mortgagee directly to settle the outstanding housing loan (based on the share of HPS cover) up to the sum insured.

If the HPS sum assured is higher than the outstanding loan, the excess amount will be paid to the insured member's CPF Ordinary Account.

Members who have passed away

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.

Members suffering from terminal illness or total permanent disability

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.