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CMFAS HI Health Insurance｜Complete Exam Prep Guide
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576 題 8/8/2026
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Free CMFAS Health Insurance practice with explanations. Covers MediShield Life, Integrated Shield, E…
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免費體驗 20 題Mr. Ling, a 65-year-old Singaporean, is worried about covering his medical costs if he becomes severely disabled. He was not eligible for ElderShield when it launched in September 2002 due to a pre-existing disability. If Mr. Ling suffers a severe disability and his per capita household income is S$2,000, what payout will he receive under the Interim Disability Assistance Programme for the Elderly?
Jun Hao, age next birthday 55, pays $2,500 for the additional private-insurance component of an IP and $1,000 for an approved CareShield Life/ElderShield Supplement. Ignoring his fully MediSave-payable basic-plan premium and assuming sufficient MediSave, what cash is required?
In which of the following scenarios is a Financial Adviser Representative (FA Rep) engaging in needs selling?
How should the effect of entering full-time military service on medical-expense cover be determined?
Which outpatient treatment is commonly listed under catastrophic outpatient benefits, subject to the policy schedule?
A whole-life policy has $200,000 death cover and a $150,000 additional—not accelerated—CI rider. If a covered CI claim is admitted and paid, then the insured later dies while the base policy remains in force, what total benefits are paid across both events?
Where should operating-theatre, implant, ICU and short-stay-ward charges be classified under a medical-expense policy?
For an IDAPE applicant with no household income, which Annual Value and monthly payout pair reflects the current higher-support tier?
Jane purchased an ElderShield 400 policy from an approved insurer. She later needed long-term care but recovered after 75 months. How much will Jane receive from her ElderShield 400 policy?
Mr. Lim is buying a policy for himself, his wife, and his 2 children, each with the same premium. Given that Mr. Lim's premium is $182.31, Mrs. Lim's premium is $227.89, and each child's premium is $102.50, what is the total premium payable?
Jennie purchased an ElderShield Supplement plan from an approved insurer with an annual premium of $1,300. How much must Jennie pay in cash?
Assume a disability-income benefit starts at 75% of $5,000 monthly income, is paid for 30 full years and increases 3% after each year, with no discounting, offsets, caps or recovery. Using a 30-year growth-sum factor of 47.5754, what is the total?
Assume $3,000 monthly expenses are needed at the start of each year for 23 years, a stipulated real discount rate of 2%, and an annuity-due factor of 18.658. Before considering insurance proceeds, what fund is required?
Which factor is generally less central to morbidity underwriting for basic medical-expense reimbursement than age, occupation and hazardous avocations?
A deductible is a flat dollar amount of medical expenses that the policy owner must pay out-of-pocket before the insurer makes any payment. Which of the following statements is most TRUE?
A patient has a continuous four-day inpatient psychiatric stay outside IMH, with eligible daily charges of S$800, S$900, S$300 and S$260. Using the current daily hospital-charge limits, how much may be withdrawn from MediSave?
For an inpatient psychiatric episode outside IMH, what MediSave daily hospital-charge limit applies from the third day onward?
Mr. Dexter bought a Medical Expense Insurance Policy with the following details: Plan entitlement: Restructured hospital – any standard B1 ward, as charged basis. Hospitalization: Private hospital in Singapore, Pro-ration factor: 35%, Annual Deductibles: $3,500, Co-insurance: 10%, Ward of discharge: Standard single bed, Total expenses incurred: Daily room and board and medical related services: $4,000, Surgical benefits: $20,000, Total Bill: $24,000. How much will the insurer pay under this policy?
Assume Mr Tan wants to fund $2,500 monthly expenses at the start of each year for 30 years, using a stipulated 2% real rate and annuity-due factor 22.8444. What fund is required?
Under the current MediShield Life co-insurance schedule, what rate applies to the first S$5,000 of the claimable amount after the deductible?
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1
MediSave500/700 can be used for all of the following EXCEPT:
最多人誤揀：Approved chronic-disease treatment.
85% 作答者揀咗呢個錯誤選項 · 此題累計 449 次作答
2
Under the Flexi-Medisave Scheme, a patient aged 60 years can use up to ______ per patient …
最多人誤揀：$300
85% 作答者揀咗呢個錯誤選項 · 此題累計 449 次作答
3
Under Managed Healthcare Plans, which model offers the lowest degree of choice for members…
最多人誤揀：Traditional Medical Expense Insurance
85% 作答者揀咗呢個錯誤選項 · 此題累計 446 次作答
4
When does an employee’s group dental cover terminate automatically?
最多人誤揀：Under a life-policy non-forfeiture option
85% 作答者揀咗呢個錯誤選項 · 此題累計 446 次作答
5
An increase in which factor will NOT increase premium computation?
最多人誤揀：Scope of benefits
85% 作答者揀咗呢個錯誤選項 · 此題累計 446 次作答
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