Try the full study dashboard free, no signup: practice, flashcards and your Exam Readiness Score. Open it →
CMFASQuizBank
Start free
Home / Practice tests / HI
Life insurance · Last updated October 2026

CMFAS Health Insurance (HI) Module: free practice test

Required to advise on or arrange policies with health or accident benefits (MAS Notice 117). It covers Singapore's healthcare financing system, MediShield Life and Integrated Shield Plans, CareShield Life, critical illness, disability income and other health cover.

Start the free 15-question testRead the study guide

Premium: 3,000 practice questions, 6 full mock exams, 800 flashcards and 60 comprehensive key notes, topic by topic. See the study path ·

Or open the free HI study dashboard: flashcards, notes and your Readiness Score, no signup →

About the HI exam

Required to advise on or arrange policies with health or accident benefits (MAS Notice 117). It covers Singapore's healthcare financing system, MediShield Life and Integrated Shield Plans, CareShield Life, critical illness, disability income and other health cover.

What's on the exam

HI
Singapore's Healthcare Financing Framework
6 key facts
MediShield Life and Integrated Shield Plans
6 key facts
Long-Term Care: CareShield Life and ElderShield
6 key facts
Critical Illness and Disability Income Insurance
6 key facts
Other Health Insurance Products
6 key facts
Underwriting, Claims and Policy Provisions
6 key facts

Each branch is a topic in the official outline. Members see every key fact on the full mind map. Read the free study guide →

How to pass the HI exam

  • 50 questions in 75 minutes is 1 minute 30 seconds each, the most generous pace in CMFAS. Use the time to read scenario questions twice.
  • Draw the healthcare framework once: government subsidies, MediSave, MediShield Life, MediFund, then private cover on top. Many questions test where each piece fits.
  • Know what MediSave can and can't pay for. Integrated Shield Plan riders, for example, must be paid in cash.
  • You need 35 out of 50 to pass.

Save your results and get your Readiness Score

Create a free account after the test: your score by topic, a mistakes bank, the complete study notes for the first topic, flashcards and the CMFAS Key Numbers Sheet.

Take the test first

What's in the premium HI prep

Premium HI prep is studied one topic at a time. Each step starts with that topic's key notes and flashcard deck, then its own question sets of 25, so you master one topic before you move to the next. When every topic is strong, the 6 full mock exams show you're ready.

3,000practice questions, every answer explained
6full-length mock exams, 50 questions each, timed
800flashcards with spaced repetition, sorted by topic
60comprehensive key notes across 6 topics

Your step-by-step study path

  1. 1
    Singapore's Healthcare Financing Framework10 key notes, 135 flashcards, then 500 practice questions in 20 sets of 25
    Notes free with an account
  2. 2
    MediShield Life and Integrated Shield Plans10 key notes, 135 flashcards, then 500 practice questions in 20 sets of 25
    Premium
  3. 3
    Long-Term Care: CareShield Life and ElderShield10 key notes, 135 flashcards, then 500 practice questions in 20 sets of 25
    Premium
  4. 4
    Critical Illness and Disability Income Insurance10 key notes, 135 flashcards, then 500 practice questions in 20 sets of 25
    Premium
  5. 5
    Other Health Insurance Products10 key notes, 130 flashcards, then 500 practice questions in 20 sets of 25
    Premium
  6. 6
    Underwriting, Claims and Policy Provisions10 key notes, 130 flashcards, then 500 practice questions in 20 sets of 25
    Premium
  7. Final step: 6 full mock exams50 questions each, timed like test day. Pass them, then book your exam.
    Premium
Free with an account

Read the complete HI study notes for “Singapore's Healthcare Financing Framework”

Our first full set of comprehensive notes, about 11 minutes of reading: S + 3M · Who pays first · Why co-payment exists · Where private insurance fits, a worked exam example, the traps examiners use and a one-minute recap. Create a free account to read it and see how premium notes work before you decide.

Open the free dashboard

Study tools included

3,000 practice questions

3,000 exam-style questions per exam, organized topic by topic in sets of 25. Every answer explained, with the rule it comes from.

6 full mock exams

6 full-length timed mock exams per exam, with real question counts and time limits, so test day feels like practice day.

Exam Readiness Score

One 0 to 100 number that tells you when you're ready to book. Reach 80 and you're covered by our Pass Guarantee.

800 flashcards + spaced repetition

800 flashcards per exam, in a deck for each topic, that come back right before you'd forget them. Five minutes a day keeps every number fresh.

60 comprehensive key notes

60 key notes per exam, split across its topics and each explained in full: the concepts, worked exam examples, the traps examiners use and a quick recap. Your first set is free with an account.

Mind maps

See the whole exam on one screen: every topic and the facts under it.

Sample questions with answers

These are the questions in the free test above, with answers. Try the test first. You'll learn more by getting some wrong.

1. Singapore's healthcare financing is often described as 'S+3M'. The 3Ms are:
Answer: MediSave, MediShield Life and MediFund. Government subsidies (S) plus MediSave (savings), MediShield Life (basic insurance) and MediFund (safety net for the needy).
2. MediSave is:
Answer: A national medical savings account within CPF. MediSave is part of each member's CPF savings, set aside to pay for approved medical expenses and certain insurance premiums.
3. Who is covered by MediShield Life?
Answer: All Singapore citizens and permanent residents, for life, including those with pre-existing conditions. MediShield Life, launched in November 2015, gives universal lifetime basic coverage to all citizens and PRs, including pre-existing conditions.
4. An Integrated Shield Plan (IP) consists of:
Answer: MediShield Life plus additional private coverage from an insurer. An IP combines the MediShield Life component with a private insurer's additional coverage, often for higher ward classes or private hospitals.
5. Premiums for Integrated Shield Plan riders that cover deductibles and co-insurance must be paid:
Answer: In cash. MediSave can pay for MediShield Life and part of the IP's additional premium, but not for riders. Riders are paid in cash.
6. IP riders sold from April 2019 must include a minimum co-payment by the policyholder of:
Answer: 5%. New riders must have at least 5% co-payment, to curb over-consumption. A yearly cap on co-payment applies for treatment by panel or pre-authorised providers.
7. CareShield Life covers Singapore citizens and PRs born in or after which year automatically?
Answer: 1980. People born in 1980 or later are covered automatically (from age 30, or from 2020 if already 30 to 40 then). Older cohorts could join voluntarily.
8. CareShield Life pays when the insured is severely disabled, defined as being unable to perform at least how many of the 6 activities of daily living?
Answer: 3. Severe disability means being unable to perform at least 3 of the 6 ADLs: washing, dressing, feeding, toileting, walking or moving around, and transferring.
9. Critical illness policies in Singapore commonly use standard definitions for how many severe-stage illnesses set by the LIA?
Answer: 37. The LIA's standard definitions cover 37 severe-stage critical illnesses, which keeps policies comparable across insurers.
10. Disability income insurance mainly replaces:
Answer: Part of the insured's income if they can't work because of disability. It pays a monthly benefit, usually a proportion of pre-disability income, after a deferred period.
11. In a disability income policy, the 'deferred period' is:
Answer: The time before benefits start after the disability begins. Benefits begin only after the deferred period; a longer deferred period lowers the premium.
12. A hospital cash (income) policy typically pays:
Answer: A fixed daily amount for each day in hospital. Hospital cash pays a set amount per day of hospitalisation, regardless of the actual bill, to help with incidental costs.
13. MediFund is best described as:
Answer: An endowment fund set up by the government to help needy patients who can't afford their bills after other means. MediFund is the safety net for Singaporeans who still can't pay after subsidies, MediShield Life, MediSave and cash.
14. A pre-existing condition in private health insurance refers to:
Answer: A medical condition that existed before the policy began, which may be excluded or loaded. Private insurers may exclude pre-existing conditions or charge extra. MediShield Life, by contrast, covers them (with possible additional premiums).
15. Most private health policies include a waiting period after inception during which certain illnesses are not covered. Its purpose is to:
Answer: Prevent people from buying cover only after symptoms appear (anti-selection). Waiting periods guard against anti-selection by people who already suspect an illness.

Get the full HI prep

Most popular · cancel anytime

Premium Monthly

S$187/month
per exam
About S$6.15 a day · less than a kopi a day, for the licence that starts your career
  • One CMFAS module of your choice, from RES5 to M9A, HI or CM-SIP
  • 3,000 practice questions + 6 full mock exams per exam
  • 800 flashcards + 60 key notes per exam, by topic, plus mind maps
  • Spaced repetition + mistakes bank
  • Readiness Score & detailed reports
  • Video lessons as they release
  • Content updates during your access
  • 5 bonuses: key numbers sheet, formula sheet, study planner and more
  • Pass Guarantee: complete the prep, pass or 100% back

Renews monthly until you cancel. Cancel in two clicks from your account; you keep access until the end of the month you've paid for. No minimum term.

Best value · 3 months free

Premium Yearly

S$1,683/year
per exam
Pay for 9 months, get 12. Save S$561 against paying monthly.
  • One CMFAS module of your choice, from RES5 to M9A, HI or CM-SIP
  • 3,000 practice questions + 6 full mock exams per exam
  • 800 flashcards + 60 key notes per exam, by topic, plus mind maps
  • Spaced repetition + mistakes bank
  • Readiness Score & detailed reports
  • Video lessons as they release
  • Content updates during your access
  • 5 bonuses: key numbers sheet, formula sheet, study planner and more
  • Pass Guarantee: complete the prep, pass or 100% back

Renews once a year until you cancel. We email you before each renewal. Cancel any time from your account; you keep access until the end of the year you've paid for.

Pass Guarantee. Complete the full prep, sit your exam within 60 days, and if you don't pass we refund 100% of your subscription payments. See the requirements
Secure checkout by Stripe Card, Apple Pay, Google Pay Pass Guarantee

Certification guide

Which CMFAS modules do you need?: The CMFAS exams are the competency tests MAS requires before a firm can appoint you as a representative. Since the April 2024 restructure, every financial adviser representative sits RES5, plus product modules matched to what they'll advise on. Here's how to work out your list. Always confirm with your principal firm, because exemptions can remove some modules.

HI exam FAQ

How many questions are on the HI exam?

50 multiple-choice questions, with a time limit of 1 hour 15 minutes. Format: closed book, computer-based.

What is the passing score for HI?

70% (35 out of 50).

How much does the HI exam cost?

Listed by SCI at about S$76 (check SCI before you register). Fees can change, so confirm on the SCI or IBF website before you register.

Which languages is the HI exam offered in?

English.

Where do I take the HI exam?

SCI computer-based examination centre, Singapore.

Is this HI practice test free?

Yes. The 15-question practice test on this page is free, with an explanation for every answer and no signup. A free account also unlocks the complete study notes for the first topic. The full HI prep is Premium at S$187 a month for this exam.

What's in the premium HI prep?

3,000 practice questions organized topic by topic (Singapore's Healthcare Financing Framework: 500; MediShield Life and Integrated Shield Plans: 500; Long-Term Care: CareShield Life and ElderShield: 500; Critical Illness and Disability Income Insurance: 500; Other Health Insurance Products: 500; Underwriting, Claims and Policy Provisions: 500), 6 full-length timed mock exams of 50 questions, 800 flashcards and 60 comprehensive key notes split across all 6 topics, plus a mistakes bank and the Readiness Score.

Compare HI with other CMFAS modules

Related practice tests

Life insurance

CMFAS Module 9: Life Insurance and Investment-Linked Policies

The core product knowledge module for life insurance in Singapore: life policy types, riders, policy provisions and nominations, investment-linked policies and annuities.

15 free questions3,000 premium Qs · 6 mocks · 800 flashcards · 60 key notes
Start free test →
Life insurance

CMFAS Module 9A: Life Insurance and Investment-Linked Policies II

The second life insurance module goes deeper into investment-linked policies: investment concepts, ILP sub-funds, unit pricing and charges, disclosure documents and the risks advisers must explain.

15 free questions3,000 premium Qs · 6 mocks · 800 flashcards · 60 key notes
Start free test →

Exam details are summarized from the official candidate information available in October 2026. SCI or IBF changes formats and fees, so confirm with Singapore College of Insurance (SCI) before you book. CMFASQuizBank is not affiliated with MAS, SCI or IBF.

Start the free test