Enhanced Public Housing Contents Insurance

For most of us, our home is our biggest and most precious investment. With the HDB Fire Insurance scheme, most of our flats are insured under the plan. However, many of us do not know the extent of the coverage.

Did you know that the HDB Fire Insurance scheme only covers the rebuilding costs of the interior structure and fixtures provided by HDB?

In an unfortunate event of a fire or break-in, losses or damages to your renovations, home contents and personal belongings are not covered. If a fire should start from your flat, you could also be potentially liable for bodily injuries and damages to property belonging to your neighbours.

Imagine the financial setback and emotional strains should such an unfortunate incident occur. Hence, it is important to ensure adequate cover for your home and family against unexpected loss and damage.

Specially designed to provide you and your family with complete peace of mind and security, Enhanced Public Housing Contents Insurance plan (EPHCI) supplements your HDB Fire Insurance coverage with protection beyond the bare minimum.

Enrol for EPHCI today and start to enjoy the benefits of this affordable yet comprehensive range of benefits.

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Coverage Back To Top

For as little as $0.19 a day, you and your family can enjoy a complete peace of mind with comprehensive coverage of up to $330,000.

Coverage includes:
Building (Free Enhanced Benefit)
Covers up to $92,000¹ for losses or damages to the building² arising from insured perils³.

Renovations and Household Contents⁴Covers up to $100,000* for losses or damages to your fixtures and fittings, furniture and other personal effects caused by insured perils³ belonging to you and your immediate family.

*Includes coverage of up to $25,000 for losses or damages due to theft by forcible entry.

Alternative Accommodation Expense
Covers alternative accommodation expense of up to $10,000 if your insured premises are made uninhabitable due to insured perils³.

Personal Liability within your Insured Premises
Covers personal liability of up to $200,000 that you and your immediate family may be held legally liable for such as accidental bodily injury or property damage to a third party.

Worldwide Accidental Death Cover (Free)
Accidental death benefit of up to $10,000 each for you and your spouse (65 years and below).

Note:

The sum insured for building is dependent on the flat type and will vary from 19,000/annum for a 1-room flat to $92,000/annum for an executive apartment. Details are specified in the policy terms and conditions.
Building refers to the insured’s residence and fixtures and fittings provided by HDB based on current standard and specifications as defined by HDB. The common areas, fixtures and fittings added by the insured or previous owner of the building, interior decorations, household furniture and fittings are excluded.
Insured perils shall mean fire, lightning, explosion of domestic appliances, smoke damage, earthquake, bursting and overflowing of domestic water pipes, vehicle and aircraft damage, malicious damage, riots and strikes, spontaneous combustion and theft by violent and forcible entry. Excess applies for selected insured perils where applicable.
Contents shall mean fixtures and fittings installed by the insured (not provided by HDB), household furniture and furnishings, clothings and personal effects belonging to the insured or to members of his immediate family or domestic servants permanently residing with the insured.

FAQ Back To Top

I own a private apartment, can I buy EPHCI?
EPHCI is only available for HDB flats. Owners who wish to insure their landed residential property, condominiums and private apartments can obtain cover under other home protection plans.
I am insured under HDB Fire Insurance. In the event of a loss/damage to my building, can I claim under the HDB Fire Insurance and EPHCI?
The building coverage under EPHCI supplements the insured’s HDB Fire Insurance policy or its equivalent policy. Hence, in the event of an insured peril, the insured must first make a claim under HDB Fire Insurance or its equivalent policy before submitting a claim under EPHCI building cover. We will therefore provide reimbursement for the balance amount for loss/damage that is not claimable under the abovementioned policies.
Does excess apply for any of the listed insured perils?
Excess of $200 applies for resultant damage caused by burst water pipes within the insured’s premises. For theft of personal valuables by forcible entry, an excess of $100 applies for each and every claim.
Is there a difference in my premium if I move from a 3-room flat to a 5-room flat?
There is no difference in the premium across the different HDB room types.
Can I pay additional premium to increase the sum insured?
EPHCI is a packaged plan and there are no provisions for additional premium to increase the sum insured. For other home insurance plans that allow the flexibility, please contact your agent/broker or call our hotline at 6419 3000 for assistance.
If I move house during my policy period, what happens to my policy? Will I get a refund?
If you are moving to another HDB flat, simply inform us in writing and we will amend your address in the policy schedule.
How do I file a claim?
Simply call our hotline at 6419 3000 and our customer service officer will attend to you. If necessary, a loss adjustor will be appointed to assess the damages/claims.
However, if the policyholder moves to a non-HDB type of dwelling, he/she can inform us of the cancellation request and a refund will be made on any unused premium. Please be advised that a minimum premium of $69 will be retained.

Additional Details Back To Top

For a continuous coverage with automatic yearly, sign up via GIRO and enjoy continuous coverage renewal at only $70.62 per year.

To enjoy 5 years of continuous coverage, save $17.10 by opting for 12 months interest-free instalment payment plan via POSB/POSB/UOB at $28 a month for 12 months.