Reasons for Rejection of Home Protection Scheme Insurance Applications

Ms Yeo Wan Ling asked the Minister for Manpower (a) what are the top reasons for the rejection of the Home Protection Scheme (HPS) Insurance applications; (b) whether there is an exclusion list of pre-existing medical conditions for such applications; and (c) if so, whether a review of the list can be considered.

In the last three years, about 1.3% of Home Protection Scheme (HPS) applications were rejected due to serious pre-existing medical conditions. The top reasons for such rejection is due to the applicant having multiple pre-existing medical conditions or cancer. There is no predefined list of pre-existing medical conditions that would cause an applicant to be rejected. In line with general industry practice, eligibility for HPS is assessed based on the overall severity, prognosis and control of the medical condition as well as the individual’s health risk profile.

As I have shared during the Ministry of Manpower's Committee of Supply 2024 debate, the Government is reviewing ways to expand the coverage of HPS, taking into consideration the affordability of premiums across all HPS policyholders and the financial viability of the scheme. We will provide further details once the review has been completed.