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CPF Home Protection Scheme Medical 

The HPS is a mortgage-reducing insurance that protects members and their families against losing their HDB flat in the event of death, terminal illness or total permanent disability. HPS insures members up to age 65 or until the housing loans are paid up, whichever is earlier.​

​You have to be insured under HPS if you are using your CPF savings to pay for your monthly housing loan instalments on your HDB flat. HPS does not cover private residential properties, such as executive condominiums (ECs) or privatised Housing and Urban Development Company (HUDC) flats.

You may be required to undergo a medical examination. The CPF Board may also request a copy of the medical report on your health condition.

CPF HPS Medical Examination

You have to fully disclose all information regarding your health, including:

  • All your past and current illnesses;
  • Any past or planned surgery; and
  • Any physical or mental impairment.

You may be required to undergo a medical examination. The CPF Board may also request a copy of the medical report on your health condition.

  • Bring along your identity document (NRIC/FIN/Passport) and letter from CPF Board.
  • If investigation is required, please take note of the following:
  • For blood test (only if required, e.g.- Lipids/Cholesterol or Blood Sugar Test), you are required to fast for at least 8 – 10 hours before test (no food & drinks, except plain water, is allowed).
  • Please follow CPF instruction if unsure: Fast for at least 8 – 10 hours before test (no food & drinks, except plain water, is allowed).
  • Bring along your medication if you are on long-term medication.
  • If you have done a Chest X-ray within the past 6 months, please bring along the “certified true” copy or original copy of the result for verification.

  • * For female: You should schedule your appointment 5 days before/after your menstruation to avoid affecting the urine test result.