HI Study Guide 2026
Everything you need to pass the HI exam in one place: the exam format, every topic to study, real practice questions with explanations, flashcards, and full-length practice tests. Free, no sign-up needed.
📋 HI Exam Format at a Glance
📚 HI Topics to Study (25)
✍️ Sample HI Questions & Answers
1. What is a 'panel' vs 'non-panel' hospital in the context of Singapore IPs?
Many IP insurers have panel arrangements with specific private hospitals. Treatment at panel hospitals typically offers higher coverage limits and direct billing. Non-panel visits may have reduced benefits.
2. What is a 'deductible' in the context of MediShield Life?
The deductible is the first portion of the bill that the patient bears. For MediShield Life, the deductible is SGD 2,000 for those under 81 and SGD 3,000 for those 81 and above (per policy year).
3. What reforms has MAS introduced to make IP premiums more sustainable in Singapore?
MAS and MOH reforms include mandatory co-payment on riders (minimum 5%), managed care frameworks, pre-authorisation requirements for certain procedures, and fee transparency measures to control claim costs.
4. What consumer protection measures exist for health insurance policyholders in Singapore?
Multiple protections exist: guaranteed renewability (cannot be dropped), portability (switch without penalty for covered conditions), 14-day free-look period, FIDReC for disputes, and MAS fair dealing guidelines.
5. What is ElderShield and its successor CareShield Life?
CareShield Life (replacing ElderShield from 2020) provides monthly cash payouts for those unable to perform at least 3 out of 6 Activities of Daily Living. It is compulsory for Singaporeans born in 1980 or later.
6. What is Medifund in Singapore's healthcare system?
Medifund is the third layer of the 3M framework — a safety net of last resort. It helps needy Singaporeans who exhaust all other means. Applications are assessed by hospital Medifund committees.