HI Cheat Sheet 2026

The 11 highest-yield HI facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

1. What is the purpose of 'early-stage critical illness' coverage available from many Singapore insurers? → To pay a benefit when a covered condition is detected at an early or intermediate stage
2. What medical expenses can Medisave NOT be used for in Singapore? → Cosmetic procedures and general outpatient GP visits for non-approved conditions
3. Under the Life Insurance Association (LIA) Singapore's standard critical illness framework, how many severe-stage critical illnesses are covered? → 37
4. What are the '3Ms' of Singapore's healthcare financing framework? → MediShield Life, MediFund, and Medisave
5. Which of the following conditions is NOT covered under the LIA Singapore standard critical illness framework? → Severe Influenza with Respiratory Failure
6. Under Singapore insurance practice, disability income insurance is primarily designed to: → Replace a portion of the insured's income when they are unable to work due to disability
7. What is the MediShield Life Scheme's 'lifetime limit' feature? → There is no lifetime limit — MediShield Life has an unlimited lifetime claim amount
8. What is the typical payout structure of a critical illness (CI) insurance policy in Singapore? → A lump sum payment upon diagnosis of a covered condition
9. What does the 'waiting period' in a Singapore critical illness policy mean for a new policyholder? → The initial period after policy inception during which no CI benefits are payable
10. What is the '3M' framework in Singapore's healthcare financing? → Medisave, MediShield Life, and Medifund — the three layers of healthcare financing
11. What is the CPF Medisave contribution rate for employees aged 35 and below? → 9% of monthly wages (employee plus employer total Medisave contribution)