Exclusions and Premiums for CPF Members with Pre-existing Health Conditions Under Home Protection Scheme

Mr Ong Hua Han asked the Minister for Manpower (a) what is the current percentage of CPF members under the Home Protection Scheme (HPS) who have pre-existing health conditions that are excluded from HPS claims; (b) how does CPF Board determine the broadness of exclusions based on declared pre-existing conditions; and (c) whether CPF members who have pre-existing health conditions that are excluded from coverage can pay lower premiums.

Today, the majority of members with pre-existing health conditions who are covered under the Home Protection Scheme (HPS) do not have exclusions imposed. In the last three years, about 1.8% of HPS applications granted coverage had exclusions imposed due to pre-existing health conditions.

In line with general industry practice, the assessment of a member's eligibility for HPS coverage, including whether an exclusion is to be imposed, is conducted based on the overall severity, prognosis and control of the medical condition as well as the individual's health risk profile.

The exclusions imposed on these members are intended to bring their likelihood of a claim to a level that is comparable to healthy members. As such, standard premiums are applied to them.