A Home Protection Scheme (HPS) claim may be made when a member passes away or suffers from terminal illness or total permanent disability.
If member passes away
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 co-owner(s) or the next-of-kin of the outcome and whether additional information is required.
If member suffers from terminal illness or total permanent disability
For member’s convenience, CPF Board has developed a one-stop application form to apply for Home Protection Scheme (HPS) and Dependants’ Protection Scheme (DPS) benefits and withdraw CPF savings, if applicable.
To do so, you will need to:
- Submit an online application after logging in via Singpass. The application form will allow you to concurrently apply for both DPS benefits and withdrawal of your CPF savings if applicable.
- Download the Medical Assessment Report that is provided upon submission of the online application and have it completed by an accredited doctor. The medical institution must submit the completed Medical Assessment Report to CPF Board within 90 days of your application. Otherwise, your application will be cancelled.
- If you are claiming HPS benefits, you must inform your employer to submit your employment information to CPF Board for claim assessment purposes. A FormSG link will be provided to you upon submission of the online application for your employer to complete. Corppass login is required.
After CPF Board receives the completed Medical Assessment Report and employment information (for HPS claim, if required), you will receive an email or SMS notification that the application is in progress. CPF Board will notify you of the outcome of your withdrawal application and HPS claim, while Great Eastern Life will notify you separately of your DPS claim outcome.
If the Medical Assessment Report is to be completed by a doctor from an overseas medical institution, please write to us for assistance.
If you are mailing your documents from overseas, all documents (except for original documents) must be witnessed/certified as true copies by an official of a Singapore Overseas Mission with their official seal/stamp duly affixed.
- Your documents must first be witnessed and certified true by a Notary Public.
Thereafter, the notarised documents must be certified by the designated Competent Authority of your country via the issuance of an apostille certificate.
When the claim is approved, the HPS claim benefits will be paid directly to the mortgagee. to settle the outstanding housing loan, up to the insured sum.
To apply for withdrawal due to Reduced Life Expectancy (RLE) only, please write to us for assistance. If you are claiming DPS benefits only, you may submit an application directly to Great Eastern Life. 
