HDB Flat Owners FAQs

1. How do I purchase the Enhanced Public Housing Contents Insurance (EPHCI)?
 

EPHCI can be purchased via the following channels: 

2. What are the insured perils covered?
  

EPHCI covers loss or damage caused by:

•   Fire
•   Lightning
•   Explosion of Domestic Appliances
•   Smoke
•   Earthquake
•   Bursting or overflowing of domestic water pipes
•   Vehicle collision or impact where vehicle(s) do not belong to you or are under your control
•   Aircraft and other aerial devices and article(s) dropped from them
•   Riot and strike
•   Malicious act(s)
•   Theft by violent and forcible entry

Excess applies for selected insured perils.

3. I am insured under HDB Fire Insurance. Can I claim under the HDB Fire Insurance and EPHCI?  
 

EPHCI's building coverage supplements your HDB Fire Insurance policy or its equivalent policy. This means that in the event of an insured peril, you must first make a claim under HDB Fire Insurance or its equivalent before claiming under EPHCI for building cover. We will reimburse you the balance of the loss or damage that is not claimable under your HDB Fire Insurance or its equivalent policy.

4. 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 flat types.

5. Can I pay an additional premium to increase the sum insured?
 

EPHCI is a packaged plan and does not provide for an increase to the sum insured through additional premium payments. For other home insurance plans that provide this flexibility, please contact your agent/broker or click here to email us.

To speak to our customer service representatives, please call us at 6419 3000.
 

6. If I move house during the policy period, what happens to my policy?
 

If you are moving to another HDB flat, simply inform us in writing and we will update your address in the policy schedule. However, if you are moving to a private apartment, landed home or condominium, please contact us to change your policy as EPHCI only covers HDB flats.

7. How do I file a claim?
 

To make a claim, you will need to submit a completed claims form.

Depending on the type of claim, you may be required to provide supporting documents such as original receipts of items that are lost or damaged, an estimate of repair costs and photographs of the damage, or police report (if applicable). More information on the type of documents to be submitted for making a claim can be found here.

1. What are the insured perils covered?
 

Public Housing Protection Plan (PHPP) covers loss or damage caused   by:

•  Fire, lightning, thunderbolt or subterranean fire
•  Explosion
• Aircraft and other aerial devices and article(s) dropped from them
• Collision or impact by any vehicle, falling tree or branches
• Breakage or collapse of TV aerial
• Bursting and overflowing of water tanks, apparatus or pipes
• Theft by violent and forcible entry
• Hurricane, cyclone, typhoon, windstorm, earthquake or volcano eruption
• Flood (including overflow of the sea) caused by earthquake or volcano eruption or by hurricane, cyclone, typhoon or windstorm
• Riot and strike
• Malicious damage
• Accidental breakage of fixed glass

2. What is covered under PHPP's personal accident benefit?
  

It covers you and your spouse against accidental injury, while in the building, if the injury results in death or total permanent disability within 3 months  of the accident.

3. Can I pay additional premium to increase the sum insured?
 

Yes, you have the flexibility to include additional coverage for household contents at the nominal sum of $27.25 (inclusive of 9% GST) per year per $10,000 sum insured.

4. 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 change your address in the policy schedule and notify you if any additional premium is applicable. However, if you are moving to a private apartment or landed home, please inform us to change the policy as PHPP only covers HDB flats.