The last chapter of the HI syllabus puts the earlier chapters to work on client situations. Each case gives you a person, their income, family and existing cover, then asks one thing: how big the gap is, what a claim pays, which product or provision fits, or what the adviser must do under MAS Notice 120. Expect worked arithmetic on disability income caps, partial disability, CI shortfalls, accelerated benefits, and hospital bills with deductible, co-insurance and pro-ration. Read the stem's plan terms closely: most wrong options come from one skipped step.
9 min read·7 sections
✓Checked against the Checked 21 Oct 2026. Built from public sources: MOH 'New requirements for Integrated Shield Plan riders' (26 Nov 2025); MOH 'How to make a MediShield Life claim' (last updated 1 Jun 2026); CPF Board CareShield Life page (last updated 21 Sep 2026); MAS Notice 120 (latest amendment effective 1 Jun 2022); LIA Members' Undertaking 58/25 on the LIA CI Framework 2024 (13 May 2025); MoneySense 'Interpreting your insurance documents' (last updated 11 May 2026); and the product mechanics taught in this site's other HI notes. HI papers from 22 Oct 2026 are set on the 9th Edition study text; this note has not been checked against that text.. Unofficial prep, not endorsed by MAS or SCI.
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Must-know for the exam
✓Work every case in four steps: facts, needs, existing cover, gap and recommendation.
✓Disability income is usually capped at 75% of average monthly income from all DI policies combined; deduct existing DI cover from the cap, not from 100% of income.
✓Partial (rehabilitation) benefit = (pre-disability earnings - current earnings) / pre-disability earnings x total disability benefit, paid when the insured earns 75% or less of former earnings.
✓Benefit starts only after the deferred period; a relapse from the same cause within the recurrent disability period (often 180 days) continues the old claim with no new deferred period.
✓Own occupation pays even if the insured works in another job; any occupation pays only if he cannot work at all.
✓Accelerated CI reduces the death benefit by the CI amount paid; additional or standalone CI pays on top.
✓Multi-stage CI: the early-stage payout is deducted from later payouts when total payments are capped at 100% of the sum assured.
✓Hospital bill order: pro-ration first, then the deductible, then co-insurance on the amount above the deductible.
✓MOH minimum IP deductibles (as at Nov 2025, subject to change): Class A or private S$3,500, B1 S$2,500, B2 S$2,000, C S$1,500 a policy year.
✓New IP riders sold from 1 Apr 2026 cannot cover the MOH minimum deductible; the 5% minimum co-payment stays and the yearly co-payment cap is at least S$6,000, excluding the deductible (MOH, 26 Nov 2025).
✓MediShield Life co-insurance is tiered on the claimable amount in a policy year: 10% on the first S$5,000 (inclusive of the deductible), 5% on the next S$5,000, 3% above S$10,000; the policy-year claim limit is S$200,000 with no lifetime limit (MOH, last updated 1 Jun 2026).
✓CareShield Life: automatic for those born 1980 or later from age 30 or 1 Oct 2020, whichever is later; optional for those born 1979 or earlier; a claim needs inability to do 3 of 6 ADLs (CPF Board, last updated 21 Sep 2026).
✓CPF Board's example: a person born in 1980 whose CareShield Life claim succeeds in 2026 receives S$689 a month for life; payouts rise yearly until age 67 or the first successful claim.
✓Free-look: 14 days from receipt of the policy, refund of premium less medical costs incurred (MoneySense, last updated 11 May 2026; MAS Notice 120).
✓MAS Notice 120 selected client: any two of aged 62 or above, not proficient in English, or education below GCE 'O' or 'N' level.
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Traps that cost marks
→Forgetting to deduct existing group disability income from the 75% cap.
→Multiplying by the earnings kept instead of the earnings lost.
→Assuming any disability definition pays once the client stops his old job.
→Thinking a shorter waiting time before payment makes the policy cheaper.
→Paying benefit for the deferred period as well.
→Applying a fresh deferred period to a relapse within the recurrent window.
→Counting employer group cover as if it stays with the client.
→Treating an accelerated CI benefit as if it were paid on top of the death benefit.
Why case studies matter in the exam
•Case items mix several facts, but only one or two decide the answer. The examiner rewards candidates who pull out the client's income, dependants and existing cover before reading the options, and who run the arithmetic in the right order.
•Trap: answering from the product's headline feature instead of the client's facts.
•Takeaway: find the deciding fact first, then calculate, then check each option against it.
Key rules and numbers (with sources)
•These are the figures that drift. Each is dated; recheck before you rely on it after the date shown.
•MOH minimum IP deductibles, as at Nov 2025: Class A or private S$3,500, B1 S$2,500, B2 S$2,000, C S$1,500 per policy year. The hospitalisation deductible is the lower of the plan's targeted ward and the ward actually used (MOH release, 26 Nov 2025).
•IP riders sold from 1 Apr 2026: may not cover the minimum deductible; 5% minimum co-payment unchanged; yearly co-payment cap at least S$6,000, excluding the deductible. Riders bought before 27 Nov 2025 are not automatically changed (MOH release, 26 Nov 2025).
•MediShield Life: tiered co-insurance 10% / 5% / 3% on the first S$5,000 (including the deductible), the next S$5,000 and above S$10,000; S$200,000 claim limit per policy year, no lifetime limit (MOH claim page, last updated 1 Jun 2026).
•CareShield Life: born 1980 or later covered automatically from 30 or 1 Oct 2020; born 1979 or earlier may opt in; claim needs 3 of 6 ADLs assessed by an MOH-accredited assessor; S$689 a month is CPF Board's example for a 2026 claim by someone born in 1980 (CPF Board, last updated 21 Sep 2026).
LIA CI Framework Version 2024 applies to new CI policies from 1 Oct 2025: 37 severe-stage illnesses, seven definitions revised; existing policies keep their definitions (LIA MU 58/25, 13 May 2025).
•Free-look: 14 days from receipt of the policy; refund of premium less medical and other costs incurred (MoneySense, last updated 11 May 2026; MAS Notice 120).
•The rest is timeless product mechanics: the 75% disability income cap, the partial benefit formula, deferred and recurrent periods, accelerated against additional CI, waiting and survival periods, co-ordination of benefits and the order of pro-ration, deductible and co-insurance. Case items state the plan's own terms in the stem; use the stem's numbers, not figures you remember.
•Trap: carrying a deductible or payout figure from an old textbook into a question that states its own terms.
•Takeaway: use the stem's plan terms; quote drifting figures only with their date.
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