HI Practice Test

HI Exam at a Glance

Facts verified Oct 26, 2026 against Singapore College of Insurance (SCI), which runs the exam under MAS Notice 117 issued by the Monetary Authority of Singa. Dates that have passed are removed automatically.

Free HI Health Insurance Study Tools

Interactive HI Health Insurance resources on PracticeTestGeeks, free to start:

• HI Critical Illness and Long-Term Care Insurance 1 — 7 questions with answer explanations
• HI Health Insurance flashcards — review key terms and concepts card by card
• HI Health Insurance study guide — topic-by-topic overview of what the exam covers
• HI Health Insurance cheat sheet — one-page printable summary for last-minute review

What the HI is and how it works

According to Singapore College of Insurance (SCI), which runs the exam under MAS Notice 117 issued by the Monetary Authority of Singa, “is required to pass the health insurance module conducted by the Singapore College of Insurance (SCI).”^[2] Practice with the free HI Health Insurance practice test on PracticeTestGeeks (7 questions with answer explanations).

The HI module is the health insurance exam run by the Singapore College of Insurance (SCI). It exists because MAS Notice 117, issued by the Monetary Authority of Singapore, requires a person who advises on or arranges health insurance to pass the health insurance module conducted by SCI. In practice that covers insurance agents, broker staff and FA representatives.

The exam is a Computer Screen Examination (CSE) in English. SCI holds it daily on weekdays, so there is no single sitting to wait for. It has 50 multiple-choice questions, and candidates receive their result immediately on finishing the computer-screen exam.

There is no limit on the number of times a candidate can sit the exam, so a failed attempt does not end your route to the module. Each attempt still costs you time, so it is worth preparing properly before you book.

This page does not state a pass mark, time limit or fee, because they are not in the facts we have checked. Confirm them on the SCI exam details page for HI before you book, along with any change to the syllabus. Our practice questions are written by us with AI tools. They are not real exam questions and they do not predict what you will see.

HI content outline and where to practise each area

The content areas below are copied from the official HI content outline published by Singapore College of Insurance (SCI), which runs the exam under MAS Notice 117 issued by the Monetary Authority of Singa. The right-hand column shows which of our practice sets covers it.

Worked examples: how to reason through HI questions

These are practice questions written for this site, not questions from the real exam. Each explanation shows why the right answer is right and why the others are wrong.

Example 1

Question: What is 'medical inflation' and how does it affect IP premium sustainability in Singapore?

1. Inflation only in government hospital costs
2. The tendency for healthcare costs to rise faster than general inflation due to new technologies, aging populations, and demand-side factors, creating upward pressure on IP premiums over time
3. Inflation caused only by insurer profit-seeking
4. Medical inflation affects only the elderly and is not relevant to younger IP policyholders

Answer: B. The tendency for healthcare costs to rise faster than general inflation due to new technologies, aging populations, and demand-side factors, creating upward pressure on IP premiums over time

Explanation:

The correct answer is that medical inflation is the tendency for healthcare costs to rise faster than general inflation, driven by new technologies, ageing populations and demand-side factors. That is why premiums for integrated plans come under upward pressure over time and need regular review.

The first option is wrong because the pressure is not limited to government hospital costs. The option blaming only insurer profit-seeking is wrong because cost growth has several causes, not a single one. The last option is wrong because younger policyholders sit in the same pool, so rising claims costs affect what they pay too.

Rule to remember: when an option says a cause or effect is only one thing or only one group, be suspicious. Cost pressure in health insurance is broad and has more than a single driver.

Example 2

Question: Which of the following conditions is NOT covered under the LIA Singapore standard critical illness framework?

1. Major Cancer
2. Heart Attack of Specified Severity
3. Severe Influenza with Respiratory Failure
4. Stroke with Permanent Neurological Deficit

Answer: C. Severe Influenza with Respiratory Failure

Explanation:

The correct answer is Severe Influenza with Respiratory Failure, because it is not a condition in the standard critical illness framework. Even when influenza leads to serious complications, it is still treated as a common illness rather than a defined critical illness.

Major Cancer, Heart Attack of Specified Severity and Stroke with Permanent Neurological Deficit are all conditions the framework does cover. Notice that each of those carries a severity or permanence qualifier built into its name. Those qualifiers are how a critical illness definition separates a payable event from an ordinary one.

Rule to remember: a critical illness policy pays for named conditions that meet a stated definition. A serious complication of an everyday illness does not become a listed condition just because it is severe.

Example 3

Question: What is the Healthier SG programme's approach to chronic disease prevention?

1. Only treating diseases after diagnosis
2. Enrolling residents with a family doctor for regular health plans, preventive screenings, lifestyle coaching, and early intervention before diseases develop
3. Only providing medication
4. Only hospital-based treatment

Answer: B. Enrolling residents with a family doctor for regular health plans, preventive screenings, lifestyle coaching, and early intervention before diseases develop

Explanation:

The correct answer is that Healthier SG enrols residents with a family doctor, who sets up regular health plans, preventive screenings, lifestyle coaching and early intervention before disease develops. The programme is about keeping people well and catching problems early.

Treating diseases only after diagnosis is wrong because it describes the reverse of a prevention approach. Providing only medication is wrong because it leaves out screening, coaching and planning. Only hospital-based treatment is wrong because the model moves care into the community, with a regular family doctor as the anchor.

Rule to remember: Healthier SG is a prevention and continuity-of-care programme. Any option that reduces it to treatment alone, medication alone or hospital care alone is describing something else.

How to use these practice tests

Start with the official content areas from SCI and read each chapter heading against our topic map above, so you know which areas have a matching practice set and which you must cover from the official material alone.

Take the free HI practice test cold to see where you stand. Then work through the topic sets that match your weakest areas, such as MediShield Life, Integrated Shield Plans and Claims and Procedures.

• Read every explanation, including for questions you got right.
• When you miss a question, go back to the matching chapter in the official material and find the sentence that settles it.
• Keep a short list of terms you confuse, such as basic cover versus integrated cover, and re-test them.

Repeat the weak topics until your answers come from understanding rather than from recognising our wording. Our questions are not real exam questions, so the aim is knowledge of the syllabus, not memorising items. Before you book, check the SCI exam details page for the current format and any updates.