/akn/sg/act/sub_leg/1953/CPFA-S281-2024

Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024

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Type: Subsidiary Legislation
Status: In force
Enacted: 1953
Sections: 33

Quick answer

About this subsidiary legislation

Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 is Singapore Subsidiary Legislation, cited as Subsidiary Legislation CPFA-S281-2024 1953, currently marked in force and first recorded in 1953.

Part 1

PRELIMINARY

Regulation 1

Citation and commencement

These Regulations are the Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 and come into operation on 1 April 2024.

Regulation 2

Definitions

Amended byS 319/2025 wef 26/05/2025

Subregulation 1

In these Regulations —

Definition

“AP cover” means an annual premium insurance cover provided under the Scheme;

Definition

“applicable refund” means a refund in accordance with regulation 24;

Definition

“approved developer” and “housing accommodation” have the meanings given by section 87 of the Housing and Development Act 1959;

Definition

“CPF member” has the same meaning as “member of the Fund” or “member” in section 2(1) of the Act;

Definition

“housing loan” means —

(a)

a loan obtained by a Scheme member from a Housing Authority or an approved mortgagee for the purchase of a property from the Housing Authority or an approved developer; or

(b)

a loan obtained by a Scheme member from a Housing Authority or an approved mortgagee to finance or re‑finance the purchase of a property from the Housing Authority or an approved developer;

Definition

“insured sum” means the outstanding cover on the death or incapacity of a Scheme member, as the case may be;

Definition

“mortgage” includes any charge on a property;

Definition

“outstanding cover”, in relation to a Scheme member’s insurance cover under the Scheme on a particular date, means the total amount payable under that insurance cover calculated as of that date in accordance with the applicable Table in the Third Schedule;

Definition

“policy year”, in relation to an SP cover or an AP cover, means each period of 12 months since the start of the SP cover or the AP cover, as the case may be;

Definition

“property” means a house or flat or any estate or interest in a house or flat purchased by a Scheme member from a Housing Authority, or any housing accommodation or any estate or interest in any housing accommodation purchased by a Scheme member from an approved developer;

Definition

“revoked Regulations” means the Central Provident Fund (Home Protection Insurance Scheme) Regulations (Rg 11);

Definition

“Scheme” means the Home Protection Insurance Scheme established and maintained by the Board under section 29(1) of the Act;

Definition

“SP cover” means a single premium insurance cover provided under the Scheme;

Definition

“surrender value”, in relation to a Scheme member’s SP cover on any particular date, is the amount determined in accordance with the applicable Table in the First Schedule for the outstanding cover of that SP cover on that date.

Subregulation 2

In these Regulations, a reference to the deduction of a premium by the Board refers to the deduction of the amount of the premium from a member’s account in the Fund under section 32 of the Act.

Subregulation 3

Amended byS 319/2025 wef 26/05/2025

In these Regulations (except regulations 4, 11, 11A and 17(3) and (7) and the Second Schedule), a reference to any premium payable by a person for an insurance cover under the Scheme includes a reference to any premium loading payable by the person for the insurance cover.

Part 2

SINGLE PREMIUM INSURANCE COVER

Regulation 3

Application of this Part

Subregulation 1

This Part applies to every person who was a Scheme member on 28 February 2001 and remains a Scheme member with regard to a housing loan for the purchase of any property from a Housing Authority and —

(a)

who has not adjusted the housing loan on or after 1 March 2001; or

(b)

who continues to be covered by an SP cover pursuant to paragraphs (2) and (3), or regulation 11 of the revoked Regulations.

Subregulation 2

Subject to paragraph (5), a Scheme member mentioned in regulation 7(1)(a) (or regulation 11(1) of the revoked Regulations) may apply, in any manner that the Board may require, to continue to be covered by an SP cover despite regulation 7 (or regulation 10 of the revoked Regulations).

Subregulation 3

If the Board approves an application under paragraph (2) —

(a)

the Scheme member’s AP cover under regulation 7(2) (or regulation 10(2) of the revoked Regulations) is cancelled as if it had not been issued and the Board must credit to the Scheme member’s account in the Fund the total amount of premiums paid for that AP cover; (b)the Board must, subject to any terms and conditions that the Board may impose, cover the Scheme member with an SP cover; and

(c)

the Board may recover any applicable refund made under regulation 7(2)(b) (or regulation 10(2) of the revoked Regulations) when that AP cover was issued.

Subregulation 4

Every application made under regulation 11 of the revoked Regulations pending immediately before 1 April 2024 is deemed to be an application under paragraph (2).

Subregulation 5

Paragraphs (2) and (3) do not apply to a Scheme member who is not a citizen or permanent resident of Singapore.

Regulation 4

Premium payment and start of SP cover

Subregulation 1

Where the Board deducts or accepts the premium for a member’s SP cover, the SP cover starts —

(a)

on the date the premium is payable under regulation 12; or

(b)

if the first premium is deducted or accepted after that date, on a date (on or after that date) specified by the Board.

Subregulation 2

The Board may deduct or accept the first premium payment or a further premium payment for a member’s SP cover after the date the premium is payable under regulation 12 —

(a)

if the Board is satisfied that there is a reasonable excuse for the failure to pay the premium on or before that date; and

(b)

even if the member who is insured or to be insured under an SP cover is not in good health or is incapacitated or has died.

Subregulation 3

To avoid doubt, despite the first premium payment or a further premium payment for a person’s SP cover being deducted or accepted by the Board on or after 1 March 2001, that person is deemed to be a Scheme member on 28 February 2001 for the purposes of regulations 3 and 7 if the SP cover —

(a)

starts before 1 March 2001 pursuant to paragraph (1); and

(b)

does not cease before 1 March 2001.

Regulation 5

Deemed termination of SP cover under section 29(8) of Act

Subregulation 1

Unless the member’s SP cover ceases or is cancelled earlier under these Regulations or had ceased or been cancelled under the revoked Regulations, where the Board is satisfied that the member is not a citizen or permanent resident of Singapore, the member’s SP cover is deemed to be terminated —

(a)

if he or she became a Scheme member before 1 March 1995 — at the end of the policy year in which he or she attains 55 years of age; or

(b)

if he or she became a Scheme member on or after 1 March 1995 — at the end of the policy year in which he or she attains 60 years of age.

Subregulation 2

To avoid doubt, paragraph (1)(a) also applies to a person who became a member of the Scheme before 1 March 1988.

Part 3

ANNUAL PREMIUM INSURANCE COVER

Regulation 6

Application of this Part

Subject to regulations 3 and 4, this Part applies to every person who —

(a)

became or becomes a Scheme member on or after 1 March 2001; or

(b)

has an AP cover pursuant to regulation 7(2)(a), or regulation 10(2) of the revoked Regulations.

Regulation 7

Change of SP cover to AP cover

Amended byS 319/2025 wef 26/05/2025

Subregulation 1

Amended byS 319/2025 wef 26/05/2025

Subject to regulations 3 and 4, the SP cover of a Scheme member ceases on the following date, as applicable to the person:

(a)

where the person was a Scheme member on 28 February 2001 and remains a Scheme member with regard to any property purchased from a Housing Authority —

(i)

if the Board adjusts the Scheme member’s insurance cover because the Scheme member’s housing loan is adjusted (whether by a partial repayment of the housing loan, or otherwise) on or after 1 March 2001 —

(A)

on the date the Scheme member’s housing loan is adjusted (whether by a partial repayment of the housing loan, or otherwise); or

(B)

where the date mentioned in sub-paragraph (A) cannot reasonably be determined by the Board, on a date specified by the Board; or

(ii)

if the Board adjusts the Scheme member’s insurance cover on the Scheme member’s application under regulation 25(b) to increase or reduce his or her insurance cover — on the date the Board receives the Scheme member’s application under regulation 25(b);

(b)

where —

(i)

the person became a Scheme member before 1 March 1995, remained a Scheme member on 28 February 2001 and attains 55 years of age after 28 February 2001; or

(ii)

the person became a Scheme member on or after 1 March 1995, remained a Scheme member on 28 February 2001 and attains 60 years of age after 28 February 2001,on a date, specified by the Board, in the policy year in which the Scheme member attains the age mentioned in sub‑paragraph (i) or (ii), as the case may be.

Subregulation 2

Subject to paragraph (3), where a Scheme member’s SP cover ceases under paragraph (1), the Board must, subject to any terms and conditions that it may impose —

(a)

cover the Scheme member under an AP cover; and

(b)

make the applicable refund, unless the Board has paid the Scheme member any previous claim under the Scheme.

Subregulation 3

Paragraph (2) does not apply to a Scheme member whose SP cover is deemed to be terminated under regulation 5.

Regulation 8

Period of AP cover

Subregulation 1

The first policy period of an AP cover runs for 12 months starting —

(a)

where the Board deducts or accepts the first premium for the AP cover on the date the first premium is payable under regulation 12 (called in this regulation the first date) — on the first date; or

(b)

if the Board deducts or accepts the first premium for the AP cover after the first date — a date (on or after the first date) specified by the Board.

Subregulation 2

Where the Board deducts or accepts the annual premium for a subsequent policy year, the AP cover is renewed and continues for 12 months from the expiry of the previous policy year.

Subregulation 3

Despite regulation 15, if the policy year of a Scheme member’s AP cover in which the Scheme member attains 65 years of age ends before the date of the full redemption of the housing loan or the date of the full discharge of the mortgage of the property (as the case may be), the Scheme member’s AP cover ceases at the end of that policy year.

Regulation 9

Payment of annual premiums

Subregulation 1

The first premium for a member’s AP cover is payable on the date prescribed by regulation 12(1), (2) or (3), as the case may be.

Subregulation 2

The premium for each subsequent policy year of an AP cover is payable annually at the beginning of each policy year, or within any further time that the Board may allow.

Subregulation 3

If a Scheme member fails to pay the annual premium for any subsequent policy year of AP cover in accordance with paragraph (2), the Scheme member’s cover under the Scheme is not renewed.

Subregulation 4

Where the Board approves the Scheme member’s application to renew the Scheme member’s AP cover for a subsequent policy year despite paragraph (3) and deducts or accepts the annual premium for the subsequent policy year, the Scheme member’s AP cover continues under regulation 8(2), subject to any terms and conditions that the Board may impose.

Subregulation 5

The Board may deduct or accept the premium for an AP cover after the date it is payable under paragraph (1) or (2), as the case may be —

(a)

only if the Board is satisfied that there is a reasonable excuse for the failure to pay the premium on or before that date; and

(b)

even if the member who is insured or to be insured under the AP cover is not in good health or is incapacitated or has died.

Subregulation 6

Every application made under regulation 14(4) of the revoked Regulations pending immediately before 1 April 2024 is deemed to be an application mentioned in paragraph (4).

Regulation 10

Deemed termination of AP cover under section 29(8) of Act

Subregulation 1

Unless the member’s AP cover ceases or is cancelled earlier under these Regulations or had ceased or been cancelled under the revoked Regulations, where the Board becomes satisfied in any policy year that the member is not a citizen or permanent resident of Singapore, the member’s AP cover is deemed to be terminated —

(a)

if the policy year starts within the premium holiday period — when the member’s AP cover ceases under regulation 8(3) or 15, whichever is earlier; or

(b)

if the policy year starts before the premium holiday period — at the end of the policy year.

Subregulation 2

In this regulation —

Definition

“premium holiday period” means the last 10% of the total period of a member’s AP policy cover (rounded up to the nearest year);

Definition

“total period of a member’s AP policy cover” is the period (inclusive of both the starting date and the ending date) —

(a)

starting on the date the first policy period of the AP cover starts as determined under regulation 8(1); and

(b)

ending on the earlier of the following dates:

(i)

the date the housing loan is fully redeemed or the mortgage fully discharged, as determined under regulation 15(1);

(ii)

the last day of the policy year in which the member attains 65 years of age as mentioned in regulation 8(3).

Part 4

GENERAL PROVISIONS

Regulation 11

Amount of premium

For the purposes of section 32(1) of the Act, the amount of premium payable for a CPF member’s insurance cover under the Scheme in respect of a housing loan for the purchase of a property is calculated in accordance with the applicable Table in the Second Schedule based on the owner’s extent of cover under the Scheme prescribed by regulation 13.

Regulation 11A

Maximum amount of premium loading

Amended byS 319/2025 wef 26/05/2025

The maximum amount of premium loading payable by a Scheme member for an insurance cover under the Scheme is 3.5 times the amount of the premium payable by the Scheme member for the insurance cover.

Regulation 12

Payment of first premium

Subregulation 1

Subject to paragraphs (2) and (3), the first premium for an SP cover or the first premium for an AP cover is payable on —

(a)

the earliest of the following dates:

(i)

the date of commencement of the housing loan, if a loan document or mortgage instrument of the housing loan is executed before that date;

(ii)

the date of the possession of the property by the CPF member; (iii)the date of withdrawal of any money standing to the credit of the CPF member in the Fund for repayment of any instalment of the housing loan, if a loan document or mortgage instrument of the housing loan is executed before that date; or

(b)

where the Board considers it appropriate in the particular circumstances, any other date specified by the Board.

Subregulation 2

Where the Board permits a person to join the Scheme (who would not otherwise be eligible to be a member of the Scheme), the first premium for the person’s insurance cover under the Scheme is payable on a date specified by the Board.

Subregulation 3

Where a Scheme member’s insurance cover under the Scheme is adjusted under regulation 16, the first premium for the adjusted insurance cover is payable on the relevant date for the adjusted insurance cover under regulation 16(2).

Subregulation 4

Subject to section 32 of the Act, premiums for insurance cover under the Scheme may be paid in any manner that the Board may approve.

Subregulation 5

In paragraph (1), “loan document” means any agreement or other document evidencing a housing loan.

Regulation 13

Extent of cover under Scheme and declaration of liability to repay housing loan

Amended byS 319/2025 wef 26/05/2025

Subregulation 1

Where any property is purchased or owned by 2 or more persons, and more than one of those persons is a Scheme member in respect of that property, unless the Board otherwise permits —

(a)

the extent to which each Scheme member is covered under the Scheme must not be —

(i)

less than the percentage of the housing loan that the Scheme member declares, for the purposes of the Scheme, he or she is liable to repay; or

(ii)

more than 100% of the housing loan; and

(b)

the percentage of the housing loan that each Scheme member declares, for the purposes of the Scheme, he or she is liable to repay must not, when aggregated, be less than 100% of the housing loan.

Subregulation 1A

Amended byS 319/2025 wef 26/05/2025

Despite paragraph (1)(b), where the Board has approved or refused any application under paragraph (5) by one or more of the Scheme members in respect of a property mentioned in paragraph (1), the percentage of the housing loan for that property that each Scheme member is declared liable to repay for the purposes of the Scheme may, when aggregated, be less than 100% of the housing loan.

Subregulation 2

Where any property is purchased or owned by 2 or more persons, but only one of those persons is a Scheme member in respect of that property, unless the Board otherwise permits, the Scheme member —

(a)

is to be covered under the Scheme for 100% of the housing loan; and

(b)

must declare, for the purposes of the Scheme, that the Scheme member is liable to repay 100% of the housing loan.

Subregulation 3

Where any person who is the sole purchaser or owner of any property is a Scheme member in respect of that property, the Scheme member —

(a)

is to be covered under the Scheme for 100% of the housing loan; and

(b)

must declare, for the purposes of the Scheme, that the Scheme member is liable to repay 100% of the housing loan.

Subregulation 4

The maximum amount for which a Scheme member may be insured under the Scheme in respect of a property is the amount of the housing loan obtained for, or to finance or re‑finance, the purchase of the property.

Subregulation 5

A Scheme member may apply in writing to the Board to amend the extent of liability declared by him or her for repayment of the housing loan.

Regulation 14

Disposal of whole of property by Scheme member

Subregulation 1

If, while a Scheme member is insured under the Scheme in respect of any property, the Scheme member sells, transfers or otherwise disposes of the whole of his or her property on or after 1 April 2024 —

(a)

the Scheme member’s insurance cover under the Scheme ceases —

(i)

on the date that the sale, transfer or disposition of the property is completed; or

(ii)

if the Board is unable to ascertain the exact date mentioned in sub‑paragraph (i), on a date specified by the Board; and

(b)

the Board must, subject to any terms and conditions that it may impose, make the applicable refund.

Subregulation 2

Despite regulation 28(1), regulation 5 or 16 of the revoked Regulations (as the case may be) continues to apply where the Scheme member sold, transferred or otherwise disposed of the whole of his or her property before 1 April 2024.

Regulation 15

Full redemption of housing loan or full discharge of mortgage

Subregulation 1

If, while a Scheme member is insured under the Scheme in respect of a housing loan or a mortgage, the housing loan is fully redeemed or the mortgage is fully discharged on or after 1 April 2024 —

(a)

the Scheme member’s insurance cover under the Scheme ceases —

(i)

on the date that the housing loan is fully redeemed or the mortgage is fully discharged, as the case may be; or (ii)if the Board is unable to ascertain the exact date mentioned in sub‑paragraph (i), on a date specified by the Board; and

(b)

the Board must, subject to any terms and conditions that it may impose, make the applicable refund.

Subregulation 2

Despite regulation 28(1), regulation 7 or 18 of the revoked Regulations (as the case may be) continues to apply where the housing loan was fully redeemed or the mortgage was fully discharged before 1 April 2024.

Regulation 16

Adjusted insurance cover

Amended byS 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025

Subregulation 1

Where, in any case mentioned in paragraph (2), the Board decides to adjust a Scheme member’s insurance cover under the Scheme, the Board may —

(a)

issue an adjusted insurance cover to the Scheme member commencing on the relevant date; and

(b)

terminate the Scheme member’s existing insurance cover under the Scheme immediately before the relevant date.

Subregulation 2

Amended byS 319/2025 wef 26/05/2025

In paragraph (1), “relevant date” means —

(a)

in a case where a Scheme member applies under regulation 25(b) to increase or reduce his or her insurance cover — the date the Board receives the Scheme member’s application under regulation 25(b);

(b)

in the case where there is an adjustment of a Scheme member’s housing loan (whether by partial repayment of the housing loan, or otherwise) —

(i)

the date the housing loan is adjusted; or

(ii)

if the Board is unable to ascertain the exact date mentioned in sub‑paragraph (i) — a date specified by the Board; or

(c)

in any other case where there is a disparity between the insurance cover and the outstanding housing loan — a date specified by the Board.

Subregulation 3

If the Board terminates the Scheme member’s existing insurance cover under paragraph (1)(b), the Board must, subject to any terms and conditions that it may impose, make the applicable refund.

Subregulation 3A

Amended byS 319/2025 wef 26/05/2025

Where, on a Scheme member’s application mentioned in paragraph (2)(a) to adjust his or her insurance cover under the Scheme —

(a)

the Board decides to adjust the Scheme member’s insurance cover on the condition that the Scheme member pays premium loading; but(b)the Scheme member does not agree to the condition within the time specified by the Board,the Board may —

(c)

refuse to adjust the Scheme member’s insurance cover; and

(d)

refuse to approve the Scheme member’s application under regulation 13(5) (if any) in relation to the Scheme member’s application to adjust his or her insurance cover.

Subregulation 4

To avoid doubt, despite an adjusted insurance cover being issued to a person on or after 1 March 2001, that person is deemed to be a Scheme member on 28 February 2001 for the purposes of regulations 3 and 7 if the person’s existing insurance cover —

(a)

started before 1 March 2001; and

(b)

did not cease before 1 March 2001.

Subregulation 5

To avoid doubt, this regulation applies whether the case mentioned in paragraph (2) arose before, on or after 1 April 2024.

Regulation 17

Insurance cover for another property

Amended byS 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025

Subregulation 1

The Board must, subject to any terms and conditions that it may impose, make the applicable refund if a Scheme member’s insurance cover under the Scheme in respect of any property ceases by virtue of section 30(2) of the Act on or after 1 April 2024.

Subregulation 2

Amended byS 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025

Subject to paragraph (5A), paragraphs (3), (4) and (5) apply where —

(a)

a Scheme member is insured under the Scheme in respect of any property (called in paragraphs (3), (4) and (5) the firstmentioned property) when the Scheme member purchases another property (called in this paragraph and paragraphs (3), (4), (5) and (5A) the second-mentioned property); and (b)the Board permits the Scheme member to join the Scheme under section 31(2) of the Act in respect of the second‑mentioned property.

Subregulation 3

For the purpose of determining the premium payable under regulation 11 by a Scheme member mentioned in paragraph (2) for the insurance cover under the Scheme for the second‑mentioned property —

(a)

the “Term of Loan” in the Second Schedule is taken to be the shorter of the following periods:

(i)

the period that would have been the remainder of the term of the housing loan obtained for, or to finance or re‑finance, the purchase of the firstmentioned property, as determined with reference to the date of the commencement of the insurance cover under the Scheme in respect of the second‑mentioned property, had the Scheme member continued to be insured under the Scheme in respect of the firstmentioned property on that date;

(ii)

the term of the housing loan obtained for, or to finance or re‑finance, the purchase of the second‑mentioned property; and

(b)

the “Age Next Birthday” in the Second Schedule is determined with reference to the date of commencement of the insurance cover under the Scheme for the second‑mentioned property.

Subregulation 4

Subject to regulation 13, the maximum amount for which the Scheme member mentioned in paragraph (2) may be insured under the Scheme in respect of the second‑mentioned property is the lower of —

(a)

the amount for which the Scheme member would have been insured under the Scheme in respect of the firstmentioned property on the date of the commencement of the insurance cover under the Scheme in respect of the second‑mentioned property, had the Scheme member continued to be insured under the Scheme in respect of the firstmentioned property on that date; or

(b)

the amount of the housing loan obtained for, or to finance or re‑finance, the purchase of the second‑mentioned property which the Scheme member is liable to repay.

Subregulation 5

Subject to regulation 13, for the purpose of determining the insured sum in respect of the second‑mentioned property, the “Term of Loan” in the Third Schedule is taken to be the shorter of the following periods:

(a)

Subregulation 5A

Amended byS 319/2025 wef 26/05/2025

The Board may issue an insurance cover under the Scheme in respect of the second-mentioned property without applying paragraphs (3), (4) and (5) if the Board is satisfied that the terms and conditions (if any) imposed under section 31(2) of the Act on the issuance of the insurance cover adequately address the Scheme member’s assessed risk at the time of the issuance.

Subregulation 6

Amended byS 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025

Subject to paragraph (9A), paragraphs (7), (8) and (9) apply where —

(a)

a Scheme member is insured under the Scheme in respect of any property (called in this paragraph and paragraphs (7), (8) and (9) the firstmentioned property) when the Scheme member purchases another property (called in this paragraph and paragraphs (7), (8), (9) and (9A) the second-mentioned property); (b)the Scheme member is insured under the Scheme in respect of a second‑mentioned property and the Scheme member’s insurance cover under the Scheme in respect of the firstmentioned property ceases under section 30(2) of the Act; and (c)the Board cancels the Scheme member’s insurance cover under the Scheme in respect of the second‑mentioned property and issues the Scheme member a new insurance cover under the Scheme in respect of the second‑mentioned property under regulation 18(2)(d).

Subregulation 7

For the purpose of determining the premium payable under regulation 11 by a Scheme member mentioned in paragraph (6) for the new insurance cover under the Scheme for the second‑mentioned property —

(a)

the “Term of Loan” in the Second Schedule is taken to be the shorter of the following periods:

(i)

the period that would have been the remainder of the term of the housing loan obtained for, or to finance or re‑finance, the purchase of the firstmentioned property, as determined with reference to the date of the commencement of the new insurance cover under the Scheme in respect of the second‑mentioned property, had the Scheme member continued to be insured under the Scheme in respect of the firstmentioned property on that date;

(ii)

the term of the housing loan obtained for, or to finance or re‑finance, the purchase of the second‑mentioned property; and

(b)

the “Age Next Birthday” in the Second Schedule is determined with reference to the date of commencement of the new insurance cover under the Scheme for the second‑mentioned property.

Subregulation 8

Subject to regulation 13, the maximum amount for which the Scheme member mentioned in paragraph (6) may be insured under the Scheme in respect of the new insurance cover for the second‑mentioned property is the lower of —

(a)

the amount for which the Scheme member would have been insured under the Scheme in respect of the firstmentioned property on the date of the commencement of the new insurance cover under the Scheme in respect of the second‑mentioned property, had the Scheme member continued to be insured under the Scheme in respect of the firstmentioned property on that date; or

(b)

the amount of the housing loan obtained for, or to finance or re‑finance, the purchase of the second‑mentioned property which the Scheme member is liable to repay.

Subregulation 9

Subject to regulation 13, for the purpose of determining the insured sum in respect of the new insurance cover for the second‑mentioned property, the “Term of Loan” in the Third Schedule is taken to be the shorter of the following periods:

(a)

the period that would have been the remainder of the term of the housing loan obtained for, or to finance or re‑finance, the purchase of the firstmentioned property, as determined with reference to the date of the commencement of the new insurance cover under the Scheme in respect of the second‑mentioned property, had the Scheme member continued to be insured under the Scheme in respect of the firstmentioned property on that date;

(b)

the term of the housing loan obtained for, or to finance or re‑finance, the purchase of the second‑mentioned property.

Subregulation 9A

Amended byS 319/2025 wef 26/05/2025

The Board may issue a new insurance cover under the Scheme in respect of the second-mentioned property under regulation 18(2)(d) without applying paragraphs (7), (8) and (9) if the Board is satisfied that the terms and conditions (if any) imposed under section 31(2) of the Act on the issuance of the new insurance cover adequately address the Scheme member’s assessed risk at the time of the issuance.

Subregulation 10

Despite regulation 28(1), regulations 11A(2), 12(1A) and 21(1A) of the revoked Regulations continue to apply instead of paragraphs (2) to (5) where a Scheme member’s insurance cover under the Scheme in respect of the firstmentioned property ceases by virtue of section 30(2) of the Act before 1 April 2024.

Regulation 18

Cancellation or termination of insurance cover for false or misleading statement, etc.

Subregulation 1

Paragraph (2) applies in the following circumstances: (a)a Scheme member has made or provided to the Board any statement or fact that is false or misleading in any material particular, or failed to disclose to the Board any material fact or circumstance; (b)that material particular, fact or circumstance, if known to the Board, might influence the Board as to whether the Scheme member should be insured under the Scheme (including being insured under an adjusted insurance cover or an insurance cover in respect of a second‑mentioned property mentioned in section 30(2) of the Act).

Subregulation 2

In the circumstances under paragraph (1), the Board may do any of the following:

(a)

terminate the Scheme member’s insurance cover, on which that person ceases immediately to be insured under the Scheme;

(b)

if the material particular, fact or circumstance mentioned in paragraph (1) is that the Scheme member was incapacitated on or before the date of commencement of the Scheme member’s insurance cover under the Scheme — cancel the Scheme member’s insurance cover, on which that person is deemed never to have been insured under the Scheme; (c)if the Board has adjusted the Scheme member’s insurance cover under the Scheme before, on or after 1 April 2024, and the material particular, fact or circumstance mentioned in paragraph (1) is that the Scheme member was not in good health on or before the date of commencement of the adjusted cover — cancel the adjusted cover, and reinstate the earlier insurance cover; (d)if the Board has issued the Scheme member’s insurance cover under the Scheme in respect of a second‑mentioned property mentioned in section 30(2) of the Act before, on or after 1 April 2024, and the material particular, fact or circumstance mentioned in paragraph (1) is that the Scheme member was not in good health on or before the date of commencement of that insurance cover — cancel the Scheme member’s insurance cover, and issue a new insurance cover under the Scheme in respect of that second‑mentioned property.

Subregulation 3

Where the Board has cancelled or terminated a Scheme member’s insurance cover under paragraph (2), the Board must, subject to any terms and conditions that it may impose, make the applicable refund.

Regulation 19

Exemption of CPF member from Scheme

Subregulation 1

The Board may, on an application by a CPF member who is required to be insured under the Scheme in respect of a housing loan for property, exempt the CPF member from the Scheme under section 29(4) of the Act if the Board is satisfied that —

(a)

there is in force an appropriate policy of insurance and —

(i)

the amount payable under the policy is sufficient to discharge the housing loan which the CPF member declares to the Board as the CPF member’s liability for repayment in the event of the CPF member’s death or incapacity; or

(ii)

the housing loan which the CPF member declares to the Board as the CPF member’s liability for repayment in the event of the CPF member’s death or incapacity does not exceed the amount payable under the policy by more than $3,000 or such other amount as the Minister may direct; (b)the amount of the housing loan does not exceed $3,000 or any other amount that may be determined from time to time by the Minister and the housing loan will be repaid in 2 years or any other period that the Minister may direct; or

(c)

the CPF member is not using the moneys standing to his or her credit in the Fund to repay any instalment of the housing loan.

Subregulation 2

An exemption under section 29(4) of the Act starts on a date specified by the Board.

Subregulation 3

Where a CPF member is already insured under the Scheme when an exemption is granted to the CPF member under section 29(4) of the Act —

(a)

the existing insurance cover is cancelled or terminated (as the case may be) with effect from the date on which the exemption starts under paragraph (2); and

(b)

the Board must, subject to any terms and conditions that it may impose, make the applicable refund.

Subregulation 4

The Board may revoke an exemption granted to a CPF member under paragraph (1) and require the CPF member to be insured under the Scheme based on the percentage of the housing loan which the CPF member declares as his or her liability for repayment if, at any time after the start of the exemption —

(a)

the policy of insurance mentioned in paragraph (1)(a) is no longer in force or is insufficient to discharge the percentage of the housing loan which the CPF member declares as his or her liability for repayment; or

(b)

an application to use any moneys standing to the CPF member’s credit in the Fund to repay any instalment of housing loan is approved.

Regulation 20

Opt out from Scheme

Subregulation 1

Where —

(a)

the Board permits a person to join the Scheme under section 29(3) of the Act; and

(b)

the person then applies to the Board to opt out from the Scheme,the Board must —

(c)

if the application is received by the Board before the date of issue of the person’s insurance cover under the Scheme or within one month (or a longer period permitted by the Board) after that date of issue — cancel the insurance cover from its date of issue; or

(d)

in any other case — terminate the insurance cover with effect from the date of receipt of the application by the Board.

Subregulation 2

The Board must, subject to any terms and conditions that it may impose, make the applicable refund in the case of paragraph (1)(c) or (d).

Regulation 21

Payment on death or incapacity of Scheme member

Amended byS 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025

Subregulation 1

The following amounts are as specified in paragraph (2):

(a)

the amount payable under section 36(1) of the Act, or under section 36(1) of the Act as modified by the Central Provident Fund (Modifications to Act for Design‑Build‑and‑Sell Scheme) Order (O 7);

(b)

the amount payable at the time of incapacity of the Scheme member for the purposes of section 36(2)(a) of the Act.

Subregulation 2

Subject to section 36(9), (10) and (11) of the Act and regulation 22, the amount specified for the purposes of paragraph (1) is the lower of the following:

(a)

the outstanding cover of the Scheme member’s insurance cover under the Scheme at the time of the Scheme member’s death or incapacity, as the case may be;

(b)

the aggregate of the amounts mentioned in section 36(8)(a) and (b) of the Act.

Subregulation 3

The circumstances mentioned in section 36(1)(a) and (2)(a) of the Act are as follows:

(a)

either or both of the following apply:

(i)

the property for which the Scheme member was covered under the Scheme is sold, transferred or otherwise disposed of;

(ii)

the Scheme member’s liability to repay the housing loan is fully discharged;

(b)

the Board has not already made payment under section 36(1)(b) or (2)(b) of the Act (as the case may be), before sub‑paragraph (a) is satisfied.

Subregulation 4

For the purposes of section 36(1)(a) or (2)(a) of the Act, the Board must pay the amount specified in paragraph (2) in any manner specified in paragraph (5) to any persons that the Board is satisfied to have discharged the Scheme member’s liability to repay the housing loan for the property for which the Scheme member is covered under the Scheme.

Subregulation 5

Amended byS 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025

Payment under section 36(1)(a) or (2)(a) of the Act may be made to the person entitled to be paid —

(a)

by crediting that person’s account in the Fund;

(b)

by cash or cheque payment to that person; (c)by crediting that person’s bank account; or

(d)

by any other manner of payment applied for by that person and approved by the Board.

Subregulation 6

The amount payable by the Board under section 36(6) of the Act is determined in accordance with the formula (A + B) – C, where —

(a)

A is the amount specified in paragraph (2);

(b)

B is the amount of interest accrued on A as determined by the Board from the time the first monthly or other periodic loan instalment is made under section 36(2)(b) of the Act to the time the amount under this regulation is paid by the Board; and

(c)

C is the total amount paid by the Board under section 36(2)(b) of the Act.

Subregulation 7

Nothing in this regulation is to be construed as requiring the Board to make any payment to any person if the death or incapacity of the Scheme member occurs before the Scheme member’s insurance cover under the Scheme starts.

Regulation 22

Payments affected by section 36(9) of Act

Amended byS 319/2025 wef 26/05/2025S 319/2025 wef 26/05/2025

Subregulation 1

The Board must, subject to any terms and conditions that it may impose, make the applicable refund, if the Board does not make any payment to a Scheme member because of —

(a)

section 36(9)(a), (b) or (c) of the Act; or

(b)

section 36(9)(d) of the Act.

Subregulation 2

If the Board does not make payment under a Scheme member’s adjusted insurance cover because of section 36(9)(a), (b) or (c) of the Act, the Board may instead cancel the Scheme member’s adjusted cover and reinstate the Scheme member’s earlier insurance cover.

Subregulation 3

Amended byS 319/2025 wef 26/05/2025

Paragraph (4) applies where —

(a)

a Scheme member —

(i)

was insured under the Scheme in respect of any property (called in this paragraph and paragraph (4) the firstmentioned property) when the Scheme member purchased another property (called in this paragraph and paragraph (4) the second-mentioned property); and

(ii)

is insured under the Scheme in respect of the second-mentioned property and has ceased to be covered under the Scheme in respect of the firstmentioned property under section 30(2) of the Act; and

(b)

the Board is not required to make any payment under the Scheme member’s insurance cover in respect of the second-mentioned property because of section 36(9)(a), (b) or (c) of the Act.

Subregulation 4

Amended byS 319/2025 wef 26/05/2025

Despite section 36(9)(a), (b) or (c) of the Act, the Board may, under section 36(12) of the Act, pay any part of the insured sum in respect of the second-mentioned property if the Board would have been required to make payment under the Scheme member’s insurance cover in respect of the firstmentioned property had that cover not ceased under section 30(2) of the Act.

Regulation 23

Notional date of birth

For the purposes of these Regulations, where the date of birth of a CPF member cannot be ascertained or is doubtful, the CPF member’s date of birth is taken to be 1 January of the year in which he or she was born.

Regulation 24

Applicable refund

Subregulation 1

Subject to paragraph (2), the amount of the applicable refund is as provided in the Fourth Schedule.

Subregulation 2

The amount of an applicable refund in relation to an insurance cover must not exceed an amount determined in accordance with the formula X – Y, where —

(a)

X is the premium paid for the insurance cover; and

(b)

Y is the total amount of all relevant refunds determined or paid by the Board for the insurance cover, before the amount of the applicable refund is determined by the Board.

Subregulation 3

In paragraph (2)(b), “relevant refunds” means the following refunds in respect of the insurance cover:

(a)

all the applicable refunds under regulation 7(2)(b), 14(1)(b), 15(1)(b), 16(3), 17(1), 18(3), 19(3)(b), 20(2) or 22(1) in respect of that insurance cover;

(b)

all refunds of premiums under regulation 22B or 22C of the revoked Regulations.

Subregulation 4

Subject to paragraph (5), the Board must credit the applicable refund to the Scheme member’s account in the Fund.

Subregulation 5

Where a CPF member has, under section 32(5) of the Act, paid the whole or part of the premium that a Scheme member is liable to pay under the Scheme —

(a)

the Board may, where it considers appropriate, deduct the amount of premium paid by the CPF member from the applicable refund and credit the amount to the CPF member’s account in the Fund; and

(b)

the Board must credit to the Scheme member’s account in the Fund any balance of the applicable refund.

Regulation 25

Form of applications, etc.

Every application by a person —

(a)

for the withdrawal of money in the Fund for the payment of any premium under the Scheme;

(b)

to increase or reduce his or her insurance cover under the Scheme; (c)to be exempted from the Scheme; or

(d)

to terminate that person’s insurance cover under the Scheme,must be made in any form and supported by any evidence that the Board may require.

Regulation 26

Power of Board to invest moneys in Home Protection Fund

All moneys in the Home Protection Fund may from time to time be invested by the Board in any manner that the Board thinks fit.

Regulation 27

Acronyms used in Schedules

In the Schedules —“HDB” means the Housing and Development Board;“HUDC” means the Housing and Urban Development Company (Private) Limited;“JTC” means the Jurong Town Corporation;“MINDEF” means the Ministry of Defence.

Definition

“HDB” means the Housing and Development Board;

Definition

“HUDC” means the Housing and Urban Development Company (Private) Limited;

Definition

“JTC” means the Jurong Town Corporation;

Definition

“MINDEF” means the Ministry of Defence.

Regulation 28

Revocation and transitional provisions

Subregulation 1

Revoke the Central Provident Fund (Home Protection Insurance Scheme) Regulations.

Subregulation 2

Subject to paragraphs (3) and (4) and regulations 3(4), 9(6), 14(2), 15(2) and 17(10), these Regulations apply on or after 1 April 2024 to any insurance cover under the Scheme which commenced before that date and continues in force on or after that date.

Subregulation 3

Despite paragraph (1), regulation 22B or 22C of the revoked Regulations (as the case may be) continues to apply for the purposes of the following refunds or recomputations made by the Board on or after 1 April 2024:

(a)

the refund of payments under regulation 22B or 22C of the revoked Regulations to an eligible member (as defined in that regulation);

(b)

the recomputation of the refund of payments under regulation 22B or 22C of the revoked Regulations in respect of an eligible insurance cover (as defined in that regulation), due to the termination, cancellation or adjustment of that eligible insurance cover.

Subregulation 4

Paragraph (1) does not affect anything done under any provision of the revoked Regulations before 1 April 2024.

Schedule 1

FIRST SCHEDULERegulation 2(1)Table 1(For policies entered into or adjusted before 1 March 1995)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR MALE SCHEME MEMBER (PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345204.757.9711.1314.3117.46214.757.9711.2114.4117.60224.758.0811.3514.6017.81234.758.0811.3914.6517.89244.758.1311.4614.7518.03254.758.1311.4814.8118.08264.758.1811.5514.8918.21274.758.1811.5514.9418.35284.758.1811.6315.1118.66294.758.2911.8815.5319.19304.758.4412.2215.9819.81314.758.6612.5116.4520.57324.758.6712.7316.9921.44334.758.9813.4218.0722.96345.059.6814.5619.6725.06355.3510.4415.8021.4627.46365.8411.4417.3623.6530.39376.3512.5719.1826.2733.83386.9713.9321.4029.3637.86397.7315.6324.0532.9742.45408.6517.4926.8836.8547.49419.8419.7030.2041.3753.304211.3422.3734.1446.7160.174312.8025.2138.4552.6467.904414.3828.3543.3159.4577.004516.4632.2949.3867.9888.394619.0637.1956.9678.68102.214722.3143.4066.5891.63118.414826.3551.1577.79106.18136.364931.6759.9289.92121.77155.545038.0069.66103.25138.84176.535146.2381.68119.23158.96200.955254.4894.08135.97180.24206.735363.98108.15154.84178.13192.095474.73124.00140.40148.58153.495590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 6789102020.5823.6826.7629.7932.772120.7623.8826.9830.0233.062220.9924.1527.2630.3433.412321.0924.2727.4130.5533.712421.2424.4527.6530.8834.102521.3624.6127.9231.2234.562621.5524.9328.3131.7535.252721.8025.2828.8132.4336.162822.2425.8529.5933.4537.472922.9326.7730.7734.9439.303023.7927.9332.2736.8041.583124.8729.3534.0739.0944.383226.1331.0636.2941.8447.753328.1233.5939.4045.5952.213430.8036.9043.4050.3357.713533.8740.7147.9855.7263.983637.5945.2353.3762.0571.283741.9050.4659.5969.3079.703846.8756.4666.7277.6489.383952.5663.3374.8487.19100.554058.8170.9383.9498.02113.364166.0779.7994.63110.83128.414274.6390.30107.43126.03146.074384.49102.61122.29143.49166.224496.20117.07139.52163.56189.2145110.51134.33159.76186.87215.6946127.45154.39183.06213.48245.7447146.93177.24209.36243.40270.4548168.36202.27238.14265.90287.9949191.29229.10257.31279.18296.5650216.37244.72265.89282.27295.3151228.85248.71263.54275.02284.1652224.35236.88246.23253.48259.2453201.36207.95212.89216.69219.7254156.75159.07160.79162.13163.205590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 11121314152035.7438.6841.6444.5847.522136.0639.0942.0945.1248.182236.5039.5942.7045.8549.072336.8640.0443.2846.6050.002437.3740.6944.1047.6151.272537.9941.5045.1348.9052.842638.8842.6446.5550.6354.932740.0444.0948.3352.8257.562841.6846.0850.7555.7060.932943.9048.7653.9259.3965.203046.6852.0657.7963.8770.333150.0356.0362.3969.1776.403254.0260.7167.8175.3983.483359.2266.6974.6483.1492.233465.5573.9182.8392.41102.723572.7782.1592.22103.07114.853681.1791.76103.18115.59129.033790.84102.88115.94130.12145.4038102.05115.83130.77146.89164.2139115.08130.84147.84166.10185.6540130.01147.96167.22187.84209.8341147.36167.72189.47212.67237.3542167.56190.53215.01241.04263.3943190.47216.32243.76267.11287.1644216.49245.44269.78290.46308.2545246.24271.55292.80310.86326.4046271.96293.67311.91327.41340.7447292.47310.69326.00339.01350.2048305.96320.83333.32343.95353.0849310.70322.39332.24340.60347.7850305.92314.70322.07328.34333.7251291.59297.72302.90307.28311.0752263.93267.81271.07273.84276.2253222.19224.23225.95227.41228.6654164.05164.78165.39165.89166.335590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 16171819202050.5253.5456.6659.8563.172151.3254.5257.8161.2564.822252.3655.7859.3463.0266.912353.5257.2061.0465.0769.322455.0659.0563.2567.6772.352556.9961.3565.9570.8375.982659.4964.2969.3774.7580.472762.5567.8773.5179.4985.872866.4872.3778.6485.3192.452971.3677.9484.9392.41100.453077.2084.5492.40100.84110.003184.0992.32101.22110.82121.213292.14101.46111.57122.50134.2833102.05112.68124.19136.60149.9434113.91126.03139.10153.14168.2035127.61141.37156.17172.01188.9536143.53159.11175.81193.64212.6437161.83179.41198.20218.21236.0238182.74202.53223.62242.27258.8939206.52228.73248.27265.57280.9740233.25253.71271.71287.63301.8141258.75277.46293.89308.46321.4242282.78299.73314.64327.82339.5843304.56319.77333.13344.98355.4944323.65337.13348.98359.46368.8045339.86351.63361.98371.14379.3146352.31362.39371.29379.14386.1447359.89368.37375.83382.42388.3048360.99367.91374.00379.39384.1849354.01359.45364.24368.49372.2650338.41342.48346.07349.25352.0851314.33317.19319.70321.94323.9252278.28280.09281.68283.08284.3353229.75230.70231.54232.28232.9354166.71167.05167.35167.61167.845590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 21222324252066.6170.2374.0077.9782.142168.5572.4976.6280.9785.562270.9975.2979.8384.6389.722373.8078.5383.5388.8594.522477.2882.5188.0793.99100.342581.4587.2693.45100.11107.292686.5593.03100.02107.54115.662792.6699.97107.86116.39125.5828100.11108.39117.35126.99137.3629109.16118.57128.69139.59151.2730119.88130.53141.99154.26167.3831132.42144.48157.38171.18185.9132146.97160.55175.08190.57204.6233164.24179.52195.82210.55223.9234184.27201.44216.89230.85243.5235207.00223.21237.81251.02263.0036229.63244.89258.64271.08282.3437251.94266.23279.11290.77301.3338273.73287.05299.06309.93319.7839294.72307.08318.21328.27337.4040314.48325.85336.10345.38353.7941333.00343.39352.77361.25368.9342350.06359.48367.99375.66382.6343364.92373.38380.99387.88394.1244377.15384.64391.40397.49403.0445386.58393.13399.03404.36409.2146392.39398.01403.08407.65411.8047393.55398.26402.52406.36409.8448388.45392.31395.78398.91401.7649375.63378.67381.39383.86386.0950354.61356.88358.93360.77362.4651325.69327.29328.71330.01331.1952285.45286.45287.37288.18288.9353233.52234.05234.52234.95235.3554168.04168.24168.40168.54168.675590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 26272829302086.5591.2296.18101.46107.152190.4495.62101.15107.10113.522295.14100.93107.16113.88121.1023100.58107.11114.15121.72129.8424107.18114.56122.50131.03140.1525115.03123.36132.31141.89152.1226124.41133.80143.86154.61166.0827135.44146.02157.30169.37180.4328148.46160.33173.00184.61195.2729163.75177.08189.23200.39210.6130181.39194.16205.83216.52226.3131199.30211.52222.68232.89242.2732217.40229.04239.69249.46258.4133236.08247.15257.29266.57275.0934255.06265.57275.19283.99292.0735273.90283.82292.91301.22308.8436292.59301.94310.50318.31325.5137310.94319.70327.71335.04341.7738328.73336.89344.37351.20357.4739345.71353.28360.20366.55372.3640361.42368.40374.79380.63385.9741375.93382.31388.13393.46398.3742388.97394.74400.02404.86409.3043399.81404.99409.73414.06418.0544408.08412.67416.85420.72424.2445413.60417.62421.28424.64427.7246415.58419.01422.17425.04427.6947413.00415.91418.54420.96423.1748404.34406.69408.86410.83412.6449388.13389.98391.68393.23394.6650363.99365.37366.65367.81368.8851332.26333.23334.12334.94335.6852289.59290.21290.78291.29291.7653235.70236.02236.32236.60236.8454168.80168.93169.03169.12169.215590.1990.1990.1990.1990.19Table 1A(For policies entered into or adjusted on or after 1 March 1995 but before 1 March 2001)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR MALE SCHEME MEMBER(PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345204.757.9711.1314.3117.46214.757.9711.2114.4117.60224.758.0811.3514.6017.81234.758.0811.3914.6517.89244.758.1311.4614.7518.03254.758.1311.4814.8118.08264.758.1811.5514.8918.21274.758.1811.5514.9418.35284.758.1811.6315.1118.66294.758.2911.8815.5319.19304.758.4412.2215.9819.81314.758.6612.5116.4520.57324.758.6712.7316.9921.44334.758.9813.4218.0722.96345.059.6814.5619.6725.06355.3510.4415.8021.4627.46365.8411.4417.3623.6530.39376.3512.5719.1826.2733.83386.9713.9321.4029.3637.86397.7315.6324.0532.9742.45408.6517.4926.8836.8547.49419.8419.7030.2041.3753.304211.3422.3734.1446.7160.174312.8025.2138.4552.6467.904414.3828.3543.3159.4577.004516.4632.2949.3867.9888.394619.0637.1956.9678.68102.214722.3143.4066.5891.63118.414826.3551.1577.79106.18136.364931.6759.9289.92121.77155.545038.0069.66103.25138.84176.535146.2381.68119.23158.96200.955254.4894.08135.97180.24226.955363.98108.15154.84204.11256.025474.73124.00175.97230.74288.335590.19145.02202.78263.51327.3156100.54161.52225.62292.93363.5157111.92179.61250.69325.21369.8158124.37199.49278.21317.48341.0159138.15221.38249.09262.92271.1960153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 6789102020.5823.6826.7629.7932.772120.7623.8826.9830.0233.062220.9924.1527.2630.3433.412321.0924.2727.4130.5533.712421.2424.4527.6530.8834.102521.3624.6127.9231.2234.562621.5524.9328.3131.7535.252721.8025.2828.8132.4336.162822.2425.8529.5933.4537.472922.9326.7730.7734.9439.303023.7927.9332.2736.8041.583124.8729.3534.0739.0944.383226.1331.0636.2941.8447.753328.1233.5939.4045.5952.213430.8036.9043.4050.3357.713533.8740.7147.9855.7263.983637.5945.2353.3762.0571.283741.9050.4659.5969.3079.703846.8756.4666.7277.6489.383952.5663.3374.8487.19100.554058.8170.9383.9498.02113.364166.0779.7994.63110.83128.414274.6390.30107.43126.03146.074384.49102.61122.29143.49166.224496.20117.07139.52163.56189.2145110.51134.33159.76186.87215.6946127.45154.39183.06213.48245.7447146.93177.24209.36243.40279.3648168.36202.27238.14276.04316.0449191.29229.10269.03311.15355.5250216.37258.44302.82349.54398.6551245.27292.02341.22392.96447.2652276.22328.06382.55439.73485.2353310.67368.08428.31474.94512.0354348.84412.31459.72496.42525.6255394.21441.81477.36504.88526.7756410.43443.81468.74488.04503.3957399.44420.53436.29448.49458.1858356.63367.74376.06382.49387.6159276.70280.63283.54285.80287.6060153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 11121314152035.7438.6841.6444.5847.522136.0639.0942.0945.1248.182236.5039.5942.7045.8549.072336.8640.0443.2846.6050.002437.3740.6944.1047.6151.272537.9941.5045.1348.9052.842638.8842.6446.5550.6354.932740.0444.0948.3352.8257.562841.6846.0850.7555.7060.932943.9048.7653.9259.3965.203046.6852.0657.7963.8770.333150.0356.0362.3969.1776.403254.0260.7167.8175.3983.483359.2266.6974.6483.1492.233465.5573.9182.8392.41102.723572.7782.1592.22103.07114.853681.1791.76103.18115.59129.033790.84102.88115.94130.12145.4038102.05115.83130.77146.89164.2139115.08130.84147.84166.10185.6540130.01147.96167.22187.84209.8341147.36167.72189.47212.67237.3542167.56190.53215.01241.04268.6443190.47216.32243.76272.86303.6544216.49245.44276.13308.58342.8345246.24278.61312.80348.89386.9046279.86315.89353.90393.92435.9847317.33357.36399.47443.75481.7948358.20402.54449.12488.72522.7649402.19451.22492.39527.40557.4850450.24492.94528.83559.34585.5451491.41527.97558.68584.79607.2352522.23552.85578.58600.46619.2653542.19567.17588.14605.99621.3154549.35568.99585.50599.55611.6055544.58559.33571.69582.22591.2856515.87526.21534.88542.27548.6257466.07472.60478.10482.74486.7658391.77395.21398.10400.57402.6859289.06290.28291.29292.16292.9160153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 16171819202050.5253.5456.6659.8563.172151.3254.5257.8161.2564.822252.3655.7859.3463.0266.912353.5257.2061.0465.0769.322455.0659.0563.2567.6772.352556.9961.3565.9570.8375.982659.4964.2969.3774.7580.472762.5567.8773.5179.4985.872866.4872.3778.6485.3192.452971.3677.9484.9392.41100.453077.2084.5492.40100.84110.003184.0992.32101.22110.82121.213292.14101.46111.57122.50134.2833102.05112.68124.19136.60149.9434113.91126.03139.10153.14168.2035127.61141.37156.17172.01188.9536143.53159.11175.81193.64212.6437161.83179.41198.20218.21239.4938182.74202.53223.62246.03269.7939206.52228.73252.33277.34303.8040233.25258.09284.44312.31341.7041263.54291.28320.62351.56384.1542297.86328.75361.32395.62426.1343336.18370.49406.55438.51466.9244378.94416.91450.34479.90506.2345426.87461.79492.53519.73543.9346472.46504.32532.38557.20579.2847514.77543.59568.96591.40611.3948552.27578.07600.77620.86638.7249583.57606.38626.44644.20659.9950608.27628.14645.62661.08674.8551626.68643.69658.66671.89683.6752635.57649.81662.35673.43683.3153634.60646.22656.43665.47673.5254622.06631.21639.26646.37652.7155599.11605.99612.00617.35622.1056554.13558.93563.15566.90570.2357490.25493.27495.95498.31500.4258404.51406.11407.51408.77409.8759293.55294.12294.60295.04295.4460153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 21222324252066.6170.2374.0077.9782.142168.5572.4976.6280.9785.562270.9975.2979.8384.6389.722373.8078.5383.5388.8594.522477.2882.5188.0793.99100.342581.4587.2693.45100.11107.292686.5593.03100.02107.54115.662792.6699.97107.86116.39125.5828100.11108.39117.35126.99137.3629109.16118.57128.69139.59151.2730119.88130.53141.99154.26167.3831132.42144.48157.38171.18185.9132146.97160.55175.08190.57207.0533164.24179.52195.82213.15231.5734184.27201.44219.67239.04259.5735207.00226.20246.58268.16290.9836232.85254.30277.01301.01326.3137262.06285.95311.19337.81361.9638294.92321.48349.47374.79397.7639331.74361.19387.72411.71433.4840372.68400.50425.56448.21468.7741413.28439.44463.02484.34503.6742453.41477.90499.97519.93538.0343492.35515.15535.71554.29571.1644529.76550.88569.92587.13602.7445565.58585.00602.50618.33632.6946599.02616.75632.74647.18660.2847629.24645.26659.71672.77684.6348654.71669.05681.99693.67704.2749674.13686.80698.24708.57717.9450687.16698.20708.17717.17725.3351694.22703.68712.20719.91726.8952692.14700.06707.20713.67719.5153680.73687.20693.00698.27703.0454658.37663.44668.03672.17675.9355626.35630.16633.59636.71639.5256573.20575.89578.30580.48582.4557502.30503.99505.51506.89508.1458410.88411.77412.57413.28413.9659295.78296.10296.39296.64296.8860153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 26272829302086.5591.2296.18101.46107.152190.4495.62101.15107.10113.522295.14100.93107.16113.88121.1023100.58107.11114.15121.72129.8424107.18114.56122.50131.03140.1525115.03123.36132.31141.89152.1226124.41133.80143.86154.61166.0827135.44146.02157.30169.37182.2028148.46160.33173.00186.50200.8229163.75177.08191.24206.31222.2730181.39196.29212.14228.90246.6731201.58218.23235.88254.53274.2432224.56243.10262.74283.44302.4633251.08271.72293.49313.43331.7234281.26304.15325.06344.23361.8235315.06337.00357.06375.44392.3036349.33370.33389.52407.09423.2137383.91403.94422.24439.00454.3938418.63437.68455.08471.03485.6639453.28471.34487.83502.94516.8140487.47504.53520.11534.37547.4641521.26537.30551.95565.38577.6942554.50569.52583.23595.81607.3443586.50600.48613.26624.97635.7044616.94629.89641.71652.56662.5245645.75657.66668.55678.52687.6646672.19683.06693.00702.10710.4547695.41705.23714.21722.44729.9848713.92722.71730.74738.11744.8849726.46734.23741.35747.84753.8250732.75739.53745.72751.38756.5951733.25739.05744.34749.20753.6652724.84729.70734.14738.20741.9353707.38711.34714.97718.29721.3254679.34682.46685.32687.93690.3255642.08644.43646.56648.51650.3156584.24585.88587.39588.76590.0157509.28510.30511.26512.12512.9258414.55415.09415.59416.04416.4659297.08297.28297.45297.62297.7660153.28153.28153.28153.28153.28Table 2(For policies entered into or adjusted before 1 March 1995)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR FEMALE SCHEME MEMBER(PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345203.185.818.3910.9413.46213.185.818.3910.9413.46223.185.818.3910.9413.46233.185.818.3910.9413.46243.185.818.3910.9413.46253.185.818.3910.9413.46263.185.818.3910.9413.46273.185.818.3910.9413.46283.185.818.3910.9413.46293.185.818.3910.9413.46303.185.818.3910.9413.53313.185.818.3911.0513.79323.185.818.5211.3814.35333.186.018.9812.1015.39343.386.489.7313.1716.79353.586.9910.5914.3718.39363.917.6511.6215.8320.35374.278.4212.8617.6022.68384.689.3314.3319.6825.36395.1810.4716.1022.0928.45405.8011.7118.0024.6931.82416.5713.1820.2227.7135.72427.5914.9922.8831.2940.33438.5716.8925.7535.2645.51449.6319.0029.0239.8651.634511.0321.6333.0845.5659.274612.7724.9138.1652.7368.854714.9529.0844.6161.8080.474817.6434.2652.6572.5293.824921.2040.9362.1084.66108.705025.4547.8371.6797.02124.005130.9656.1282.87111.30141.505236.4764.7194.69126.53145.595342.8274.46108.05124.79134.835450.0485.4797.27103.16106.685560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 6789102015.9418.3720.7723.1425.462115.9418.3720.7723.1425.462215.9418.3720.7723.1425.462315.9418.3720.7723.1425.462415.9418.3720.7723.1425.462515.9418.3720.7723.1425.502615.9418.3720.7723.1725.622715.9418.3720.8223.3125.862815.9418.4320.9823.6026.332916.0018.6021.3024.1327.063016.2119.0021.8924.9528.173116.6719.6922.8726.2229.773217.5020.8124.3128.0332.003318.8422.5026.4130.5634.993420.6224.7229.0933.7338.683522.6927.2832.1637.3542.883625.1830.3135.7741.5847.813728.0733.8239.9546.4853.453831.4137.8644.7352.0759.963935.2342.4550.1858.4867.474039.4247.5456.2965.7676.074144.2853.4963.4874.3786.334250.0360.5772.0984.7498.574356.6568.8482.2596.88112.734464.5378.7694.28111.06129.104574.3990.86108.67127.78148.224686.37105.27125.49147.14170.2147100.53121.98144.88169.24188.6448116.55140.75166.49186.43202.2849134.25161.44181.72197.42209.9050152.64173.02188.24200.02209.4051161.56175.84186.51194.77201.3352158.26167.26173.99179.21183.3453141.49146.24149.78152.52154.7254109.02110.70111.93112.90113.665560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 11121314152027.7429.9932.2034.3736.502127.7429.9932.2034.3936.572227.7429.9932.2334.4536.732327.7430.0132.3134.6237.002427.7830.1232.4934.9337.442527.8830.3232.8335.4038.092628.1130.6833.3436.1339.062728.5131.2734.1337.1840.382829.1732.1535.2938.6242.152930.1533.4236.9040.5744.493031.5935.2039.0643.1447.473133.5737.6041.8646.4151.273236.2240.7145.4850.5856.023339.7044.7150.0655.7861.893443.9449.5655.5762.0268.953548.7955.1061.8769.1877.123654.4361.5669.2577.6086.733760.9669.0477.8587.4897.993868.4877.7687.9298.99111.023977.2387.9799.67112.35126.014087.4199.76113.15127.59143.104199.39113.55128.79145.17162.7142113.54129.65146.94165.47181.3643129.78148.05167.60184.23198.5144148.44169.09186.45201.19213.8745170.04188.11203.29216.20227.2846188.96204.48217.52228.63238.1547204.40217.45228.42237.74245.7648215.16225.83234.79242.42248.9849220.07228.48235.53241.54246.7250217.02223.33228.63233.14237.0151206.66211.09214.81217.96220.6852186.71189.51191.86193.84195.5553156.48157.94159.18160.24161.1354114.29114.80115.22115.60115.925560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 16171819202038.6540.8043.0145.2647.572138.7941.0543.3645.7448.212239.0541.4143.8746.4149.092339.4341.9744.6147.3750.272440.0442.7745.6348.6551.822540.9243.8947.0150.3053.822642.1345.3948.8152.4656.322743.7747.3451.1455.1759.472845.9049.8754.0858.5863.392948.6453.0457.7662.8068.223052.1157.0362.3368.0374.183156.4461.9967.9674.4481.513261.8268.1174.9382.3590.453368.5075.6683.4892.00101.233476.4884.7293.69103.41113.903585.8095.24105.48116.54128.443696.70107.50119.15131.69145.1537109.37121.66134.88149.05161.6738123.97137.91152.85166.08177.8539140.72156.48170.35182.62193.5440159.73174.25187.02198.34208.4141177.92191.21202.91213.25222.4742195.15207.22217.83227.22235.5643210.92221.73231.25239.68247.1944224.87234.48242.93250.41257.0745236.90245.31252.70259.24265.0746246.41253.64259.99265.62270.6247252.71258.79264.12268.85273.0748254.65259.62263.99267.85271.2949251.19255.10258.53261.60264.3050240.37243.31245.89248.18250.2151223.04225.09226.90228.50229.9352197.05198.34199.49200.49201.4053161.91162.60163.20163.74164.2254116.20116.43116.65116.83117.005560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 21222324252049.9652.4655.0557.7760.642150.7753.4856.2959.2862.412251.8854.8157.9161.1664.632353.3156.5459.9463.5567.382455.1658.7162.4766.4970.792557.5061.4465.6370.1274.972660.4264.8269.5274.6080.132764.0768.9974.3280.1286.422868.5474.1480.2386.8494.012974.0780.4887.4394.96103.093080.9088.2096.12104.67113.873189.2097.52106.51116.20126.613299.21108.68118.87129.81139.7433111.20121.92133.44143.86153.3134125.20137.34148.27158.15167.1135141.22152.68163.01172.35180.8336157.17167.97177.71186.51194.4837172.96183.07192.20200.45207.9338188.38197.82206.34214.04221.0239203.30212.06219.96227.11233.5840217.40225.48232.76239.35245.3341230.69238.08244.74250.78256.2342243.04249.75255.79261.26266.2043253.89259.91265.34270.25274.7144263.03268.38273.18277.54281.4845270.27274.95279.15282.96286.4246275.10279.11282.74286.01288.9847276.82280.20283.25286.00288.5048274.35277.12279.61281.86283.9049266.72268.89270.85272.63274.2450252.02253.66255.14256.47257.6851231.20232.35233.37234.31235.1552202.20202.92203.57204.16204.6853164.63165.02165.35165.67165.9454117.15117.28117.41117.52117.615560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 26272829302063.6566.8470.2173.8177.682165.7169.2573.0177.0681.432268.3072.2476.4681.0586.012371.4975.9280.7285.9191.542475.4180.4485.9091.8098.152580.2585.9692.1598.82106.012686.1392.6399.63107.17115.262793.25100.59108.51117.03124.8228101.73110.06119.01127.19134.7029111.84121.24129.83137.69144.9130123.75132.77141.00148.56155.4831136.06144.68152.57159.79166.4132148.77157.00164.52171.41177.7433161.90169.74176.89183.45189.4734175.26182.70189.50195.71201.4435188.54195.56202.00207.87213.2836201.76208.37214.43219.97225.0637214.74220.95226.62231.83236.6038227.37233.17238.45243.31247.7639239.47244.85249.76254.26258.3940250.75255.70260.23264.38268.1741261.20265.73269.88273.66277.1542270.71274.82278.58282.03285.1843278.74282.44285.81288.91291.7444285.08288.35291.35294.10296.5945289.57292.43295.04297.45299.6546291.68294.14296.39298.45300.3547290.77292.84294.73296.46298.0448285.76287.45288.99290.41291.7149275.70277.03278.25279.37280.3950258.76259.77260.68261.51262.2951235.93236.62237.26237.84238.3852205.17205.62206.01206.39206.7353166.21166.43166.65166.84167.0354117.70117.78117.86117.93117.995560.3960.3960.3960.3960.39Table 2A(For policies entered into or adjusted on or after 1 March 1995 but before 1 March 2001)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR FEMALE SCHEME MEMBER(PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345203.185.818.3910.9413.46213.185.818.3910.9413.46223.185.818.3910.9413.46233.185.818.3910.9413.46243.185.818.3910.9413.46253.185.818.3910.9413.46263.185.818.3910.9413.46273.185.818.3910.9413.46283.185.818.3910.9413.46293.185.818.3910.9413.46303.185.818.3910.9413.53313.185.818.3911.0513.79323.185.818.5211.3814.35333.186.018.9812.1015.39343.386.489.7313.1716.79353.586.9910.5914.3718.39363.917.6511.6215.8320.35374.278.4212.8617.6022.68384.689.3314.3319.6825.36395.1810.4716.1022.0928.45405.8011.7118.0024.6931.82416.5713.1820.2227.7135.72427.5914.9922.8831.2940.33438.5716.8925.7535.2645.51449.6319.0029.0239.8651.634511.0321.6333.0845.5659.274612.7724.9138.1652.7368.854714.9529.0844.6161.8080.474817.6434.2652.6572.5293.824921.2040.9362.1084.66108.705025.4547.8371.6797.02124.005130.9656.1282.87111.30141.505236.4764.7194.69126.53160.295342.8274.46108.05143.63181.305450.0485.47123.01162.71204.685560.3999.97141.84186.08232.785667.30111.48158.15207.41259.305774.93124.20176.15230.92263.705883.25138.13195.93224.76242.035992.49153.52173.84183.99190.0660102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 6789102015.9418.3720.7723.1425.462115.9418.3720.7723.1425.462215.9418.3720.7723.1425.462315.9418.3720.7723.1425.462415.9418.3720.7723.1425.462515.9418.3720.7723.1425.502615.9418.3720.7723.1725.622715.9418.3720.8223.3125.862815.9418.4320.9823.6026.332916.0018.6021.3024.1327.063016.2119.0021.8924.9528.173116.6719.6922.8726.2229.773217.5020.8124.3128.0332.003318.8422.5026.4130.5634.993420.6224.7229.0933.7338.683522.6927.2832.1637.3542.883625.1830.3135.7741.5847.813728.0733.8239.9546.4853.453831.4137.8644.7352.0759.963935.2342.4550.1858.4867.474039.4247.5456.2965.7676.074144.2853.4963.4874.3786.334250.0360.5772.0984.7498.574356.6568.8482.2596.88112.734464.5378.7694.28111.06129.104574.3990.86108.67127.78148.224686.37105.27125.49147.14170.2147100.53121.98144.88169.24195.1548116.55140.75166.49193.83222.8149134.25161.44190.25220.80253.1450152.64183.02215.20249.26285.2651173.51207.43243.30281.20321.1852196.01233.81273.73315.83349.3253221.11263.16307.52341.84369.1654249.00295.73330.62357.64379.1155282.01317.05343.20363.45379.5856293.80318.36336.71350.90362.1957285.47300.99312.56321.52328.6558253.50261.67267.77272.49276.2559194.08196.96199.10200.77202.0960102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 11121314152027.7429.9932.2034.3736.502127.7429.9932.2034.3936.572227.7429.9932.2334.4536.732327.7430.0132.3134.6237.002427.7830.1232.4934.9337.442527.8830.3232.8335.4038.092628.1130.6833.3436.1339.062728.5131.2734.1337.1840.382829.1732.1535.2938.6242.152930.1533.4236.9040.5744.493031.5935.2039.0643.1447.473133.5737.6041.8646.4151.273236.2240.7145.4850.5856.023339.7044.7150.0655.7861.893443.9449.5655.5762.0268.953548.7955.1061.8769.1877.123654.4361.5669.2577.6086.733760.9669.0477.8587.4897.993868.4877.7687.9298.99111.023977.2387.9799.67112.35126.014087.4199.76113.15127.59143.104199.39113.55128.79145.17162.7142113.54129.65146.94165.47185.2343129.78148.05167.60188.46210.6444148.44169.09191.10214.53239.3845170.04193.29217.99244.20271.9646194.75220.80248.43277.68308.6047222.64251.76282.59315.14343.1348253.52285.98320.24349.40374.4649287.32323.41353.72379.50401.6650323.24354.68381.10403.56422.8651353.70380.63403.24422.45438.9952376.58399.13418.07434.19448.0253391.36409.75425.18438.33449.6154396.60411.05423.20433.54442.4255392.67403.51412.63420.38427.0456371.36378.96385.34390.78395.4557334.45339.24343.28346.71349.6558279.30281.82283.96285.76287.3259203.15204.05204.79205.44205.9760102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 16171819202038.6540.8043.0145.2647.572138.7941.0543.3645.7448.212239.0541.4143.8746.4149.092339.4341.9744.6147.3750.272440.0442.7745.6348.6551.822540.9243.8947.0150.3053.822642.1345.3948.8152.4656.322743.7747.3451.1455.1759.472845.9049.8754.0858.5863.392948.6453.0457.7662.8068.223052.1157.0362.3368.0374.183156.4461.9967.9674.4481.513261.8268.1174.9382.3590.453368.5075.6683.4892.00101.233476.4884.7293.69103.41113.903585.8095.24105.48116.54128.443696.70107.50119.15131.69145.1537109.37121.66134.88149.05164.2338123.97137.91152.85168.85185.9039140.72156.48173.32191.30210.4340159.73177.49196.42216.56237.9741181.44201.41222.63245.16269.0442206.26228.64252.37277.50299.8843234.23259.24285.70309.14329.9944265.73293.61318.13339.83359.1545301.31326.97349.55369.52387.3046335.42358.83379.45397.70413.9447367.38388.58407.25423.74438.4448396.18415.18431.87446.65459.8249420.86437.66452.43465.50477.1250439.61454.22467.09478.49488.6251453.32465.84476.86486.60495.2852460.02470.52479.75487.92495.2053459.40467.95475.48482.15488.0754450.11456.84462.76468.01472.6755432.81437.85442.30446.21449.7156399.48403.03406.14408.89411.3357352.22354.44356.40358.15359.7058288.66289.82290.87291.77292.5959206.45206.87207.22207.54207.8360102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 21222324252049.9652.4655.0557.7760.642150.7753.4856.2959.2862.412251.8854.8157.9161.1664.632353.3156.5459.9463.5567.382455.1658.7162.4766.4970.792557.5061.4465.6370.1274.972660.4264.8269.5274.6080.132764.0768.9974.3280.1286.422868.5474.1480.2386.8494.012974.0780.4887.4394.96103.093080.9088.2096.12104.67113.873189.2097.52106.51116.20126.613299.21108.68118.87129.81141.5433111.20121.92133.44145.77158.9634125.20137.34150.32164.20178.9735141.22154.88169.48185.05201.6036159.55174.93191.31208.72227.2137180.42197.66215.99235.45253.0838204.06223.35243.82262.33279.1139230.74252.28271.70289.24305.1740260.63281.00299.33315.93330.9741290.38309.54326.81342.41356.5942319.87337.81354.00368.63381.9043348.61365.36380.41394.05406.4344376.42391.92405.90418.54429.9845403.20417.47430.32441.95452.5046428.45441.48453.24463.84473.4747451.57463.38473.98483.61492.3248471.57482.14491.65500.24508.0549487.52496.85505.27512.88519.7850497.67505.83513.15519.78525.7951503.05510.01516.28521.96527.1152501.69507.52512.79517.54521.8453493.36498.12502.40506.28509.8054476.85480.58483.95487.00489.7755452.85455.64458.18460.46462.5456413.53415.50417.26418.87420.3357361.07362.31363.43364.46365.3758293.32293.97294.56295.10295.5959208.10208.32208.52208.70208.8960102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 26272829302063.6566.8470.2173.8177.682165.7169.2573.0177.0681.432268.3072.2476.4681.0586.012371.4975.9280.7285.9191.542475.4180.4485.9091.8098.152580.2585.9692.1598.82106.012686.1392.6399.63107.17115.262793.25100.59108.51117.03126.1328101.73110.06119.01128.58138.8229111.84121.24131.31142.08153.5630123.75134.35145.66157.74170.6031137.75149.65162.34175.87190.2332154.06167.42181.64196.74210.5933173.02187.98203.86218.40231.7334194.72211.41226.68240.67253.4935219.17235.20249.83263.25275.5536244.03259.34273.36286.20297.9737269.14283.76297.13309.38320.6238294.38308.31321.02332.69343.3739319.65332.85344.92355.97366.1240344.66357.13368.54378.99388.5841369.45381.20391.93401.77410.8042393.95404.96415.02424.23432.6743417.66427.92437.30445.89453.7744440.42449.92458.61466.57473.8645462.09470.84478.84486.14492.8746482.23490.21497.52504.21510.3547500.25507.48514.08520.14525.6948515.14521.62527.54532.95537.9249526.06531.78537.01541.81546.2050531.25536.25540.80544.98548.8251531.79536.05539.95543.52546.8152525.77529.35532.62535.62538.3653512.99515.90518.57521.01523.2654492.29494.57496.68498.60500.3555464.42466.15467.71469.15470.4756421.64422.85423.96424.96425.8957366.19366.96367.65368.29368.8858296.02296.42296.80297.13297.4459209.03209.17209.31209.41209.5460102.62102.62102.62102.62102.62Table 3(For policies entered into or adjusted before 1 March 1995)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR MALE SCHEME MEMBER(PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345204.758.0111.2514.5017.76214.758.0111.3214.6117.90224.758.1111.4614.8018.13234.758.1111.4914.8418.21244.758.1711.5614.9618.32254.758.1711.5915.0018.39264.758.2311.6615.0818.52274.758.2311.6615.1318.66284.758.2311.7315.3319.00294.758.3211.9815.7519.53304.758.4912.3416.2120.18314.758.7112.6416.6920.95324.758.7212.8617.2321.85334.759.0413.5618.3323.41345.059.7314.7119.9825.56355.3510.5115.9721.7827.99365.8411.5017.5524.0130.99376.3512.6519.4026.6834.52386.9714.0221.6429.8438.62397.7315.7324.3033.4843.30408.6517.5927.1737.4348.44419.8419.8230.5242.0154.384211.3422.5234.5347.4561.374312.8025.3538.8753.4569.274414.3828.5143.7960.3978.574516.4632.4949.9269.0590.194619.0637.4057.5979.92104.314722.3143.6767.3193.07120.814826.3551.4678.65107.82139.074931.6760.2690.87123.63158.595038.0070.05104.32140.92179.945146.2382.11120.44161.27204.765254.4894.58137.32182.82209.995363.98108.70156.34180.06194.245474.73124.61141.19149.45154.385590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 6789102021.0224.2527.4830.6933.862121.1924.4727.7130.9434.142221.4424.7428.0131.2734.532321.5424.8628.1531.4834.832421.6925.0328.4031.8235.252521.7825.2128.6832.1935.752622.0125.5429.1032.7436.482722.2725.9129.6233.4537.442822.7126.5130.4534.5338.822923.4227.4631.6736.0840.763024.3228.6633.2338.0443.153125.4230.1435.1340.4446.113226.7431.9137.4243.3249.633328.7934.5240.6847.2654.313431.5337.9444.8152.1760.053534.6941.8649.5557.7966.593638.4946.5355.1264.3474.233742.9151.9161.5571.8983.003848.0258.1068.9180.5493.093953.8465.1477.3190.45104.744060.2572.9886.73101.71118.134167.6982.0997.80115.03133.854276.4692.94111.04130.83152.284386.57105.61126.42148.98173.314498.61120.53144.26169.83197.2745113.29138.29165.18194.01224.8346130.63158.93189.22221.57256.0447150.55182.38216.32252.48281.0748172.46208.03245.92275.12298.2049195.86235.54265.06287.78305.7550221.48250.94272.83289.69303.0451233.56253.98269.17280.87290.1352228.00240.76250.25257.56263.3453203.62210.28215.23219.04222.0654157.65159.96161.69163.02164.065590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 11121314152037.0240.1643.3546.5249.702137.3640.6043.8447.1050.422237.8341.1344.4647.8751.352338.2041.6045.1048.6852.372438.7442.3245.9849.8053.762539.4043.1647.1051.1855.472640.3744.4048.6253.0457.752741.5945.9650.5555.4360.602843.3248.0853.1458.5264.242945.6850.9356.5362.4868.853048.6254.4360.6567.2874.363152.1658.6465.5672.9680.853256.3863.6171.3379.5988.473361.8569.9278.5787.8497.823468.4977.5387.2297.67108.993576.0586.2097.15109.00121.933684.8596.29108.72122.29137.053794.99108.00122.23137.73154.5138106.73121.63137.90155.53174.5539120.38137.44155.95175.92197.4040136.05155.48176.45198.99223.1441154.26176.29199.96225.30252.3742175.41200.29226.88255.31279.5243199.42227.36257.19282.35303.7944226.61257.92284.02306.04324.8245257.69284.70307.21326.23342.4246283.90306.80325.92342.02355.7847304.20323.21339.06352.44363.8348316.86332.20345.01355.81364.9949320.27332.23342.19350.60357.7750313.83322.69330.09336.33341.6551297.61303.76308.88313.21316.9052268.01271.87275.07277.76280.0853224.49226.50228.16229.58230.7854164.93165.61166.21166.69167.115590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 16171819202052.9456.2459.6463.1566.802153.8257.3160.9264.6968.622254.9658.6962.5766.6670.952356.2260.2464.4768.9373.642457.9162.2966.9171.8077.002560.0264.8269.9075.2981.042662.7468.0473.6479.6385.992766.1171.9578.2084.8491.952870.3576.8483.7991.2299.192975.6282.8790.6498.96107.973081.9390.0398.75108.16118.403189.3398.46108.31119.03130.683298.00108.32119.56131.78144.9933108.63120.40133.21147.07162.0334121.33134.76149.30165.01181.8835136.02151.28167.73185.44204.4236153.06170.34188.90208.83230.1137172.64192.13213.03235.37255.0138195.01216.94240.37260.89278.9539220.42245.00266.42285.17301.6740248.94271.27290.73307.76322.7541275.64295.78313.33328.70342.2242300.33318.33334.04347.77359.8643322.22338.18352.06364.23374.9444340.95354.90367.06377.71387.1045356.35368.39378.89388.08396.1546367.57377.78386.69394.48401.3447373.63382.10389.50395.95401.6548372.90379.74385.71390.93395.5349363.92369.26373.90377.96381.5450346.22350.18353.61356.63359.2951320.07322.80325.20327.30329.1252282.06283.77285.27286.58287.7253231.82232.71233.49234.16234.7754167.46167.78168.04168.28168.505590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 21222324252070.5974.6078.8083.2387.922172.7877.1581.7586.6391.812275.5080.2985.3590.7496.482378.6283.9289.5395.50101.912482.5088.3694.61101.29108.462587.1493.66100.64108.15116.302692.80100.10107.96116.47125.712799.56107.78116.71126.37136.8128107.78117.12127.25138.18149.9929117.73128.35139.83152.19165.4830129.52141.55154.51168.45183.3831143.30156.89171.50187.19203.9332159.25174.59191.03208.60224.3333178.12195.37213.79230.25244.9734199.97219.30236.52251.86265.6235224.71242.70258.72273.01285.7936248.93265.62280.44293.71305.5637272.38287.78301.50313.72324.6638294.91309.07321.65332.90342.9639316.26329.19340.71350.99360.1740336.01347.75358.21367.54375.8741354.16364.75374.19382.59390.1342370.55380.02388.44395.97402.7043384.39392.79400.26406.92412.8744395.37402.71409.26415.07420.3045403.30409.65415.28420.32424.8146407.39412.77417.56421.82425.6447406.67411.14415.10418.64421.8248399.59403.18406.39409.25411.8049384.70387.51389.98392.23394.2150361.63363.70365.56367.22368.6951330.76332.20333.48334.63335.6652288.74289.64290.45291.15291.7953235.30235.76236.19236.57236.8954168.67168.85169.00169.12169.245590.1990.1990.1990.1990.19Age Next BirthdayTerm of Loan (years) 26272829302092.8898.15103.75109.77116.272197.29103.15109.44116.24123.5722102.60109.17116.28123.95132.2323108.78116.22124.26132.93142.2424116.25124.67133.76143.52154.0125125.10134.61144.87155.86167.6326135.66146.41157.94170.28183.4727148.07160.16173.11186.93199.4428162.66176.23190.75203.84215.6729179.72194.94208.65221.02232.1930199.36213.71226.63238.29248.8231218.96232.46244.62255.58265.4832238.42251.10262.50272.80282.1133258.18270.03280.72290.37299.0734277.93289.01298.99307.98316.1235297.27307.58316.85325.23332.7936316.19325.75334.35342.11349.1337334.48343.30351.25358.42364.8938351.97360.08367.38373.97379.9139368.41375.82382.49388.51393.9440383.38390.11396.15401.63406.5741396.88402.96408.42413.34417.7942408.74414.17419.06423.48427.4643418.23423.04427.37431.27434.8144424.99429.18432.98436.39439.4745428.86432.49435.76438.70441.3746429.07432.15434.92437.41439.6847424.67427.20429.51431.59433.4648414.09416.16418.02419.68421.1949395.99397.60399.04400.35401.5350370.02371.22372.28373.26374.1251336.57337.40338.14338.83339.4252292.37292.90293.35293.77294.1553237.19237.47237.70237.92238.1254169.34169.42169.53169.59169.665590.1990.1990.1990.1990.19Table 3A(For policies entered into or adjusted on or after 1 March 1995 but before 1 March 2001)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR MALE SCHEME MEMBER (PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345204.758.0111.2514.5017.76214.758.0111.3214.6117.90224.758.1111.4614.8018.13234.758.1111.4914.8418.21244.758.1711.5614.9618.32254.758.1711.5915.0018.39264.758.2311.6615.0818.52274.758.2311.6615.1318.66284.758.2311.7315.3319.00294.758.3211.9815.7519.53304.758.4912.3416.2120.18314.758.7112.6416.6920.95324.758.7212.8617.2321.85334.759.0413.5618.3323.41345.059.7314.7119.9825.56355.3510.5115.9721.7827.99365.8411.5017.5524.0130.99376.3512.6519.4026.6834.52386.9714.0221.6429.8438.62397.7315.7324.3033.4843.30408.6517.5927.1737.4348.44419.8419.8230.5242.0154.384211.3422.5234.5347.4561.374312.8025.3538.8753.4569.274414.3828.5143.7960.3978.574516.4632.4949.9269.0590.194619.0637.4057.5979.92104.314722.3143.6767.3193.07120.814826.3551.4678.65107.82139.074931.6760.2690.87123.63158.595038.0070.05104.32140.92179.945146.2382.11120.44161.27204.765254.4894.58137.32182.82231.215363.98108.70156.34206.99260.755474.73124.61177.65233.94293.575590.19145.70204.63267.08333.1156100.54162.28227.67296.89369.9557111.92180.46252.97329.57375.3058124.37200.41280.73320.74344.6359138.15222.42250.42264.40272.7260153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 6789102021.0224.2527.4830.6933.862121.1924.4727.7130.9434.142221.4424.7428.0131.2734.532321.5424.8628.1531.4834.832421.6925.0328.4031.8235.252521.7825.2128.6832.1935.752622.0125.5429.1032.7436.482722.2725.9129.6233.4537.442822.7126.5130.4534.5338.822923.4227.4631.6736.0840.763024.3228.6633.2338.0443.153125.4230.1435.1340.4446.113226.7431.9137.4243.3249.633328.7934.5240.6847.2654.313431.5337.9444.8152.1760.053534.6941.8649.5557.7966.593638.4946.5355.1264.3474.233742.9151.9161.5571.8983.003848.0258.1068.9180.5493.093953.8465.1477.3190.45104.744060.2572.9886.73101.71118.134167.6982.0997.80115.03133.854276.4692.94111.04130.83152.284386.57105.61126.42148.98173.314498.61120.53144.26169.83197.2745113.29138.29165.18194.01224.8346130.63158.93189.22221.57256.0447150.55182.38216.32252.48290.9148172.46208.03245.92286.20328.9549195.86235.54277.72322.48369.8950221.48265.63312.49362.12414.6051250.97300.03351.98406.93464.9252282.56336.95394.49455.22503.2753317.72377.95441.55490.51529.2754356.65423.24472.77510.91541.1055402.85452.29489.06517.38539.7856418.37452.70478.22497.89513.4457405.60427.08443.05455.36465.1058360.46371.69380.03386.45391.5359278.24282.15285.06287.31289.0860153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 11121314152037.0240.1643.3546.5249.702137.3640.6043.8447.1050.422237.8341.1344.4647.8751.352338.2041.6045.1048.6852.372438.7442.3245.9849.8053.762539.4043.1647.1051.1855.472640.3744.4048.6253.0457.752741.5945.9650.5555.4360.602843.3248.0853.1458.5264.242945.6850.9356.5362.4868.853048.6254.4360.6567.2874.363152.1658.6465.5672.9680.853256.3863.6171.3379.5988.473361.8569.9278.5787.8497.823468.4977.5387.2297.67108.993576.0586.2097.15109.00121.933684.8596.29108.72122.29137.053794.99108.00122.23137.73154.5138106.73121.63137.90155.53174.5539120.38137.44155.95175.92197.4040136.05155.48176.45198.99223.1441154.26176.29199.96225.30252.3742175.41200.29226.88255.31285.5843199.42227.36257.19288.95322.7044226.61257.92291.25326.65364.1845257.69292.64329.76369.11410.7446292.72331.63372.88416.50462.5347331.71374.93420.63468.86509.9648374.22422.08472.59515.22551.5449420.00472.90517.01554.23585.9550469.99515.53553.51585.55612.8751511.79550.33582.48609.61632.7052542.10574.03600.66623.13642.2753560.59586.35607.83625.94641.3854565.49585.53602.26616.37628.4055557.87572.77585.19595.66604.5856526.00536.35544.96552.23558.4357472.97479.44484.82489.37493.2558395.65399.03401.84404.22406.2459290.51291.70292.68293.50294.2160153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 16171819202052.9456.2459.6463.1566.802153.8257.3160.9264.6968.622254.9658.6962.5766.6670.952356.2260.2464.4768.9373.642457.9162.2966.9171.8077.002560.0264.8269.9075.2981.042662.7468.0473.6479.6385.992766.1171.9578.2084.8491.952870.3576.8483.7991.2299.192975.6282.8790.6498.96107.973081.9390.0398.75108.16118.403189.3398.46108.31119.03130.683298.00108.32119.56131.78144.9933108.63120.40133.21147.07162.0334121.33134.76149.30165.01181.8835136.02151.28167.73185.44204.4236153.06170.34188.90208.83230.1137172.64192.13213.03235.37259.1838195.01216.94240.37265.35291.9239220.42245.00271.21299.09328.6740248.94276.44305.68336.71369.5441281.24311.91344.44378.89415.2642317.76351.89387.99426.14459.6943358.49396.36436.35471.37502.1844403.87445.80482.31514.28542.4245454.67492.70525.82554.83580.3546502.10536.35566.16592.28615.2647545.28575.85602.47625.79646.3148582.75609.77633.30653.91672.0349613.20636.80657.34675.34691.1750636.33656.64674.34689.82703.4651652.56669.76684.72697.83709.3652658.72672.98685.37696.24705.8053654.66666.14676.14684.89692.6154638.74647.67655.47662.29668.2955612.26618.90624.67629.75634.2056563.76568.38572.39575.90579.0057496.59499.47501.98504.19506.1258407.99409.50410.81411.96412.9759294.83295.34295.80296.21296.5560153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 21222324252070.5974.6078.8083.2387.922172.7877.1581.7586.6391.812275.5080.2985.3590.7496.482378.6283.9289.5395.50101.912482.5088.3694.61101.29108.462587.1493.66100.64108.15116.302692.80100.10107.96116.47125.712799.56107.78116.71126.37136.8128107.78117.12127.25138.18149.9929117.73128.35139.83152.19165.4830129.52141.55154.51168.45183.3831143.30156.89171.50187.19203.9332159.25174.59191.03208.60227.3433178.12195.37213.79233.46254.3834199.97219.30239.93261.88285.1635224.71246.34269.37293.79319.6736252.82276.95302.58329.73358.4137284.50311.40339.86369.94396.8538320.12349.98381.53409.68434.8739359.97393.06422.49448.77472.2640404.23435.01462.37486.82508.6841447.40475.91501.28523.92544.1842489.35515.66539.06559.96578.6443529.40553.55575.05594.22611.3944567.27589.34608.96626.46642.1445602.90622.92640.72656.60670.8246635.58653.60669.63683.94696.7347664.44680.51694.83707.60719.0348688.05702.27714.91726.19736.3049705.16717.57728.62738.47747.2950715.51726.19735.71744.19751.7851719.57728.61736.66743.83750.2652714.24721.73728.40734.34739.6753699.44705.47710.85715.65719.9454673.59678.29682.49686.22689.5755638.13641.63644.75647.52649.9956581.73584.15586.31588.23589.9757507.85509.35510.70511.91512.9958413.86414.66415.36416.00416.5659296.88297.14297.38297.62297.8060153.28153.28153.28153.28153.28Age Next BirthdayTerm of Loan (years) 26272829302092.8898.15103.75109.77116.272197.29103.15109.44116.24123.5722102.60109.17116.28123.95132.2323108.78116.22124.26132.93142.2424116.25124.67133.76143.52154.0125125.10134.61144.87155.86167.6326135.66146.41157.94170.28183.4727148.07160.16173.11186.93201.6928162.66176.23190.75206.23222.6929179.72194.94211.18228.45246.7730199.36216.39234.50253.74274.1031221.80240.80260.97282.34304.9232247.28268.45290.87314.55335.9433276.59300.09324.95347.35367.6034309.84335.90359.37380.53399.6635347.02371.59393.71413.66431.7036384.13407.25428.06446.83463.7937420.98442.68462.21479.84495.7638457.46477.77496.04512.53527.4339493.35512.30529.36544.76558.6640528.28545.91561.77576.09589.0241562.35578.69593.38606.65618.6342595.40610.46624.03636.26647.3243626.77640.61653.07664.31674.4644656.20668.81680.18690.45699.7245683.57695.03705.34714.65723.0746708.22718.53727.84736.21743.7847729.28738.49746.79754.27761.0348745.36753.50760.82767.44773.4149755.21762.31768.71774.50779.7050758.59764.71770.22775.19779.6951756.02761.21765.87770.07773.8852744.44748.74752.60756.08759.2453723.79727.24730.36733.16735.7254692.56695.25697.68699.87701.8455652.23654.22656.02657.65659.1256591.51592.90594.15595.28596.2957513.96514.83515.60516.31516.9658417.06417.51417.92418.29418.6359297.99298.15298.28298.42298.5260153.28153.28153.28153.28153.28Table 4(For policies entered into or adjusted before 1 March 1995)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR FEMALE SCHEME MEMBER (PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345203.185.848.4811.0913.69213.185.848.4811.0913.69223.185.848.4811.0913.69233.185.848.4811.0913.69243.185.848.4811.0913.69253.185.848.4811.0913.69263.185.848.4811.0913.69273.185.848.4811.0913.69283.185.848.4811.0913.69293.185.848.4811.0913.69303.185.848.4811.0913.77313.185.848.4811.2114.05323.185.848.6211.5414.65333.186.049.0712.2815.68343.386.529.8513.3717.11353.587.0310.6914.6018.76363.917.6911.7516.0920.76374.278.4813.0017.8823.14384.689.3914.5020.0025.87395.1810.5416.2722.4329.02405.8011.7918.2125.0832.46416.5713.2720.4428.1436.44427.5915.0723.1231.7941.14438.5716.9926.0335.8246.44449.6319.1029.3440.4752.684511.0321.7733.4546.2860.484612.7725.0538.5853.5770.264714.9529.2545.1162.7982.134817.6434.4653.2373.6795.734921.2041.1762.7785.96110.865025.4548.1072.4398.53126.445130.9656.4383.73112.97144.235236.4765.0595.65128.39147.935342.8274.86109.12126.18136.385450.0485.9097.84103.77107.335560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 6789102016.2718.8221.3623.8426.322116.2718.8221.3623.8426.322216.2718.8221.3623.8426.322316.2718.8221.3623.8426.322416.2718.8221.3623.8426.322516.2718.8221.3623.8426.352616.2718.8221.3623.8926.492716.2718.8221.4024.0526.762816.2718.8821.5624.3427.252916.3419.0621.9224.9128.043016.5719.4922.5525.7829.233117.0520.2123.5727.1230.933217.9021.3825.0829.0333.263319.2923.1227.2531.6736.413421.1225.4230.0234.9740.273523.2428.0533.2138.7444.663625.7831.1836.9543.1449.793728.7734.7941.2648.2155.683832.1938.9546.2154.0262.453936.0843.6851.8560.6770.294040.3948.9258.1768.2479.294145.3755.0365.6077.1990.014251.2762.3374.5187.99102.794358.0570.8685.04100.62117.594466.1581.1197.52115.39134.704576.2693.58112.41132.73154.634688.56108.39129.81152.81177.4847103.04125.59149.77175.69196.1948119.44144.85172.05192.99209.5749137.52166.04187.24203.57216.5050156.31177.48193.23205.35214.9551164.95179.63190.56198.96205.6252160.87170.05176.88182.13186.2953143.13147.92151.48154.22156.3854109.67111.35112.58113.55114.305560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 11121314152028.7531.1433.5135.8338.152128.7531.1433.5135.8638.242228.7531.1433.5535.9638.402328.7531.1833.6436.1338.702428.7931.2733.8336.4739.202528.9031.5234.2137.0039.942629.1531.9134.7837.8041.002729.5932.5535.6638.9542.462830.3033.5136.9240.5444.402931.3534.8938.6642.6646.943032.8936.8040.9745.4250.193135.0039.3343.9948.9554.263237.8042.6547.8553.4159.363341.4646.8852.6958.9465.643445.9251.9958.5265.5473.163551.0057.8265.1873.1681.873656.9264.6172.9782.1092.153763.7372.4982.0692.62104.163871.6381.6792.73104.87118.063980.8092.44105.16119.04134.094091.48104.88119.47135.26152.3141104.08119.40136.02153.92173.2042118.91136.37155.19175.43192.6943135.95155.74177.01194.95210.2344155.52177.85196.49212.22225.6145178.10197.41213.50227.10238.6846197.42213.81227.49239.03248.8647212.75226.39237.74247.34255.5148222.95233.97243.15250.91257.5249226.93235.53242.69248.74253.8750222.70229.08234.38238.87242.7051211.00215.41219.12222.22224.8752189.65192.42194.73196.68198.3353158.14159.58160.79161.79162.6654114.90115.41115.83116.18116.485560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 16171819202040.4642.8145.2147.6550.192140.6243.0845.5848.2150.922240.9143.4946.1848.9851.922341.3644.1247.0250.0653.272442.0445.0348.1851.5055.022543.0346.2849.7253.3857.262644.3647.9451.7455.7860.092746.1650.1154.3158.8063.592848.5152.8857.5662.5567.932951.5056.3761.6167.2173.263055.2860.7366.5972.9379.843159.9866.1172.7579.9787.903265.7772.7280.3088.6097.683372.9280.8589.5699.09109.463481.4890.62100.60111.48123.273591.44101.95113.35125.73139.1036103.16115.14128.12142.15157.2537116.75130.38145.10160.96174.9038132.40147.84164.50179.07191.9039150.32167.80183.01196.34208.0840170.66186.54200.37212.49223.1541189.75204.09216.57227.51237.1342207.52220.35231.51241.31249.9143223.37234.74244.65253.33260.9644237.12247.08255.76263.37270.0545248.60257.22264.73271.29277.0746257.30264.61270.98276.57281.4647262.53268.60273.90278.53282.6148263.19268.09272.38276.12279.4349258.31262.13265.47268.39270.9650245.99248.83251.30253.48255.3851227.16229.13230.84232.35233.6752199.75200.99202.06203.00203.8353163.40164.04164.61165.09165.5354116.75116.96117.16117.32117.485560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 21222324252052.8255.5758.4661.4964.692153.7656.7559.9063.2266.742255.0258.2861.7465.3969.272356.6660.2464.0668.1172.442458.7662.7266.9371.4676.322561.3965.7970.5075.5981.092664.6769.6074.9180.6586.942768.7374.2880.3086.8794.062873.7380.0286.9294.44102.602979.8787.0994.97103.52112.803087.4195.65104.64114.37124.863196.56105.97116.18127.19139.0432107.57118.27129.83142.27153.4133120.69132.81145.88157.54167.9534136.00149.70161.90172.79182.5335153.48166.24177.58187.71196.7836170.60182.44192.96202.36210.7737187.24198.16207.88216.56224.3438203.22213.28222.21230.20237.3439218.44227.61235.80243.09249.6440232.57240.92248.35254.99260.9341245.63253.17259.88265.88271.2342257.53264.28270.28275.63280.4343267.72273.69279.02283.77288.0344275.97281.22285.87290.05293.7745282.18286.71290.74294.34297.5546285.80289.65293.07296.13298.8747286.20289.41292.25294.79297.0648282.33284.91287.21289.26291.1049273.22275.24277.03278.64280.0750257.07258.56259.89261.09262.1451234.83235.88236.80237.62238.3652204.56205.20205.78206.30206.7653165.90166.25166.55166.82167.0554117.61117.72117.84117.93118.005560.3960.3960.3960.3960.39Age Next BirthdayTerm of Loan (years) 26272829302068.0771.6575.4679.5683.952170.4674.4478.7183.3288.332273.4477.8982.7187.9493.652377.0982.1187.6093.57100.042481.5887.3193.55100.33107.662587.0993.62100.73108.39116.672693.79101.23109.25117.94127.2727101.83110.27119.36129.15138.0028111.45120.98131.25140.52148.8729122.80133.56143.28152.02159.9230136.16146.32155.47163.72171.1731149.68159.24167.84175.62182.6332163.39172.37180.45187.73194.3333177.31185.71193.29200.13206.2934191.26199.11206.19212.56218.3235204.92212.23218.81224.74230.1036218.32225.09231.20236.70241.6837231.30237.56243.19248.29252.8938243.75249.51254.69259.36263.6039255.50260.76265.50269.78273.6440266.24271.04275.35279.23282.7541276.03280.35284.24287.75290.9242284.74288.61292.09295.23298.0843291.83295.26298.35301.13303.6444297.11300.11302.82305.25307.4545300.44303.04305.37307.48309.3846301.31303.53305.50307.28308.9147299.10300.93302.57304.05305.4048292.76294.23295.57296.78297.8549281.36282.50283.55284.48285.3450263.11263.96264.73265.42266.0551239.03239.61240.16240.65241.0752207.18207.55207.87208.19208.4553167.27167.46167.64167.80167.9454118.09118.15118.21118.27118.335560.3960.3960.3960.3960.39Table 4A(For policies entered into or adjusted on or after 1 March 1995 but before 1 March 2001)HOME PROTECTION INSURANCE SURRENDER VALUE PER $10,000 OUTSTANDING COVER FOR FEMALE SCHEME MEMBER (PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345203.185.848.4811.0913.69213.185.848.4811.0913.69223.185.848.4811.0913.69233.185.848.4811.0913.69243.185.848.4811.0913.69253.185.848.4811.0913.69263.185.848.4811.0913.69273.185.848.4811.0913.69283.185.848.4811.0913.69293.185.848.4811.0913.69303.185.848.4811.0913.77313.185.848.4811.2114.05323.185.848.6211.5414.65333.186.049.0712.2815.68343.386.529.8513.3717.11353.587.0310.6914.6018.76363.917.6911.7516.0920.76374.278.4813.0017.8823.14384.689.3914.5020.0025.87395.1810.5416.2722.4329.02405.8011.7918.2125.0832.46416.5713.2720.4428.1436.44427.5915.0723.1231.7941.14438.5716.9926.0335.8246.44449.6319.1029.3440.4752.684511.0321.7733.4546.2860.484612.7725.0538.5853.5770.264714.9529.2545.1162.7982.134817.6434.4653.2373.6795.734921.2041.1762.7785.96110.865025.4548.1072.4398.53126.445130.9656.4383.73112.97144.235236.4765.0595.65128.39163.335342.8274.86109.12145.70184.715450.0485.90124.22165.04208.505560.39100.47143.19188.66237.025667.30112.03159.65210.28264.035774.93124.79177.83234.13267.745883.25138.81197.78227.16244.695992.49154.28174.82185.05191.1860102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 6789102016.2718.8221.3623.8426.322116.2718.8221.3623.8426.322216.2718.8221.3623.8426.322316.2718.8221.3623.8426.322416.2718.8221.3623.8426.322516.2718.8221.3623.8426.352616.2718.8221.3623.8926.492716.2718.8221.4024.0526.762816.2718.8821.5624.3427.252916.3419.0621.9224.9128.043016.5719.4922.5525.7829.233117.0520.2123.5727.1230.933217.9021.3825.0829.0333.263319.2923.1227.2531.6736.413421.1225.4230.0234.9740.273523.2428.0533.2138.7444.663625.7831.1836.9543.1449.793728.7734.7941.2648.2155.683832.1938.9546.2154.0262.453936.0843.6851.8560.6770.294040.3948.9258.1768.2479.294145.3755.0365.6077.1990.014251.2762.3374.5187.99102.794358.0570.8685.04100.62117.594466.1581.1197.52115.39134.704576.2693.58112.41132.73154.634688.56108.39129.81152.81177.4847103.04125.59149.77175.69203.4048119.44144.85172.05201.10232.0849137.52166.04196.49228.95263.5150156.31188.19222.19258.37296.8451177.61213.21251.09291.35334.0852200.59240.25282.41327.14362.5453226.22270.37317.19353.27381.8054254.69303.73340.20368.27390.4855288.35324.73351.80372.63389.1256299.64324.89343.65358.12369.5657290.01305.80317.52326.58333.7258256.31264.54270.68275.40279.1359195.21198.08200.23201.87203.1660102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 11121314152028.7531.1433.5135.8338.152128.7531.1433.5135.8638.242228.7531.1433.5535.9638.402328.7531.1833.6436.1338.702428.7931.2733.8336.4739.202528.9031.5234.2137.0039.942629.1531.9134.7837.8041.002729.5932.5535.6638.9542.462830.3033.5136.9240.5444.402931.3534.8938.6642.6646.943032.8936.8040.9745.4250.193135.0039.3343.9948.9554.263237.8042.6547.8553.4159.363341.4646.8852.6958.9465.643445.9251.9958.5265.5473.163551.0057.8265.1873.1681.873656.9264.6172.9782.1092.153763.7372.4982.0692.62104.163871.6381.6792.73104.87118.063980.8092.44105.16119.04134.094091.48104.88119.47135.26152.3141104.08119.40136.02153.92173.2042118.91136.37155.19175.43197.1343135.95155.74177.01199.80224.1544155.52177.85201.79227.36254.6245178.10203.23230.07258.67289.1046203.87232.04262.05293.96327.8347232.93264.42297.86333.38363.6248265.07300.13337.33368.73395.4749300.24339.22371.70399.13422.4950337.64371.21399.18422.78442.9151368.61397.02420.70440.66457.6952391.15414.67434.28450.84464.9453404.88423.83439.66453.00464.3754408.46423.21435.52445.91454.7755402.45413.41422.53430.25436.8256378.82386.41392.74398.10402.6557339.51344.27348.24351.58354.4358282.15284.63286.69288.44289.9259204.22205.08205.81206.41206.9360102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 16171819202040.4642.8145.2147.6550.192140.6243.0845.5848.2150.922240.9143.4946.1848.9851.922341.3644.1247.0250.0653.272442.0445.0348.1851.5055.022543.0346.2849.7253.3857.262644.3647.9451.7455.7860.092746.1650.1154.3158.8063.592848.5152.8857.5662.5567.932951.5056.3761.6167.2173.263055.2860.7366.5972.9379.843159.9866.1172.7579.9787.903265.7772.7280.3088.6097.683372.9280.8589.5699.09109.463481.4890.62100.60111.48123.273591.44101.95113.35125.73139.1036103.16115.14128.12142.15157.2537116.75130.38145.10160.96177.9738132.40147.84164.50182.35201.4739150.32167.80186.54206.60228.0140170.66190.34211.38233.89257.8241193.88215.97239.56264.68291.3742220.35245.10271.46299.47324.1043250.14277.79307.17332.89355.5044283.64314.44341.27364.78385.4645321.42349.38373.74395.07413.8546356.96382.15404.09423.32440.2247389.63412.13431.74448.89464.0248418.46438.36455.69470.87484.2349442.57459.97475.09488.35500.0150460.19475.15488.18499.59509.6551472.32484.98496.01505.67514.1852477.05487.56496.69504.69511.7253474.15482.60489.97496.42502.1054462.36468.95474.69479.72484.1255442.47447.35451.61455.34458.6256406.58409.98412.92415.51417.7857356.87359.00360.84362.46363.8958291.21292.32293.28294.12294.8759207.38207.77208.11208.40208.6560102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 21222324252052.8255.5758.4661.4964.692153.7656.7559.9063.2266.742255.0258.2861.7465.3969.272356.6660.2464.0668.1172.442458.7662.7266.9371.4676.322561.3965.7970.5075.5981.092664.6769.6074.9180.6586.942768.7374.2880.3086.8794.062873.7380.0286.9294.44102.602979.8787.0994.97103.52112.803087.4195.65104.64114.37124.863196.56105.97116.18127.19139.0432107.57118.27129.83142.27155.6233120.69132.81145.88159.90174.9134136.00149.70164.42180.17197.0035153.48168.92185.45203.10221.9336173.46190.81209.35229.11250.1037196.18215.64236.34258.39278.0938221.88243.62266.73287.38305.8339250.85275.10296.66315.93333.1640283.26305.83325.91343.82359.8641314.96335.88354.50371.11385.9742345.88365.19382.37397.70411.4243375.52393.26409.05423.14435.7444403.74419.94434.36447.24458.7645430.44445.15458.24469.91480.3846455.18468.43480.22490.75500.1747477.36489.21499.74509.14517.5548496.03506.50515.81524.12531.5749510.31519.47527.60534.86541.3650518.52526.40533.40539.66545.2551521.68528.34534.27539.56544.2952517.94523.47528.39532.76536.6853507.11511.57515.52519.06522.2254488.05491.50494.58497.33499.8155461.52464.10466.37468.42470.2556419.79421.58423.16424.58425.8557365.14366.25367.25368.14368.9358295.52296.10296.62297.08297.5159208.89209.08209.26209.41209.5760102.62102.62102.62102.62102.62Age Next BirthdayTerm of Loan (years) 26272829302068.0771.6575.4679.5683.952170.4674.4478.7183.3288.332273.4477.8982.7187.9493.652377.0982.1187.6093.57100.042481.5887.3193.55100.33107.662587.0993.62100.73108.39116.672693.79101.23109.25117.94127.2727101.83110.27119.36129.15139.6728111.45120.98131.25142.27154.0729122.80133.56145.13157.53170.7430136.16148.30161.28175.17189.9631151.78165.41179.97195.51212.0032169.94185.23201.51218.83234.4933190.95208.04226.22242.62257.4334214.95234.01251.19266.68280.6735241.95259.94276.13290.74303.9436268.93285.85301.10314.84327.2737295.77311.67325.99338.89350.5438322.38337.26350.67362.75373.6739348.63362.52375.02386.31396.5140374.24387.17398.81409.31418.8041399.31411.29422.08431.82440.6042423.73434.79444.75453.74461.8643447.04457.21466.35474.61482.0744469.08478.36486.72494.26501.0845489.76498.18505.77512.62518.8146508.62516.21523.05529.22534.7947525.10531.88537.98543.50548.4748538.23544.23549.63554.50558.9049547.18552.42557.13561.38565.2350550.25554.77558.83562.49565.8051548.54552.35555.79558.90561.6952540.19543.36546.20548.77551.0953525.06527.61529.90531.97533.8454502.01503.99505.77507.39508.8455471.87473.37474.67475.87476.9656426.98428.01428.93429.75430.5157369.63370.27370.85371.37371.8558297.87298.20298.50298.78299.0159209.70209.81209.91210.00210.1160102.62102.62102.62102.62102.62

Schedule 2

SECOND SCHEDULERegulations 11 and 17(3) and (7)Table 1A(For policies entered into or adjusted on or after 1 December 1997 but before 1 March 2001)HOME PROTECTION INSURANCE SINGLE PREMIUM RATE PER $10,000 INITIAL COVER FOR MALE SCHEME MEMBER (PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345204.888.1811.4314.6917.91214.888.1811.5014.7918.06224.888.2911.6414.9718.28234.888.2911.6815.0318.36244.888.3411.7515.1318.49254.888.3411.7815.1918.54264.888.3911.8615.2818.68274.888.3911.8615.3318.83284.888.3911.9415.5119.14294.888.5112.1815.9419.69304.888.6712.5416.3920.33314.888.8812.8416.8821.10324.888.8913.0617.4322.00334.889.2213.7618.5323.55345.199.9414.9320.1825.71355.4910.7216.2122.0228.17365.9911.7317.8024.2631.17376.5312.8919.6826.9534.70387.1614.2921.9530.1338.83397.9416.0424.6633.8243.54408.8717.9527.5737.8148.714110.0920.2130.9842.4454.674211.6322.9535.0347.9261.714313.1325.8639.4453.9969.654414.7629.0844.4360.9878.984516.8933.1250.6569.7390.664619.5638.1458.4280.70104.844722.8944.5268.3093.99121.454827.0352.4779.79108.91139.864932.4961.4692.23124.90159.535038.9971.45105.89142.40181.065147.4283.78122.30163.04206.115255.8896.50139.46184.87232.785365.62110.93158.82209.34262.595476.65127.19180.49236.66295.735592.51148.75207.98270.27335.7056103.11165.67231.41300.45372.8457114.80184.22257.13333.55379.3058127.57204.60285.35325.63349.7659141.70227.07255.49269.67278.1560157.21157.21157.21157.21157.21•Where the premium payable is less than $1, the minimum premium of $1 is charged.Age Next BirthdayTerm of Loan (years) 6789102021.1224.2927.4530.5633.622121.2924.5027.6830.8033.912221.5424.7827.9631.1234.282321.6424.9028.1231.3434.582421.7925.0828.3631.6834.992521.9025.2528.6432.0235.452622.1125.5729.0432.5736.162722.3725.9329.5533.2637.102822.8226.5230.3534.3238.442923.5227.4631.5735.8440.323024.4128.6533.1037.7542.663125.5130.1234.9640.0945.523226.8031.8637.2242.9148.973328.8534.4540.4246.7753.553431.5937.8544.5251.6359.193534.7441.7649.2257.1565.623638.5546.4054.7463.6473.123742.9851.7561.1271.0981.753848.0857.9268.4379.6491.673953.9164.9576.7689.43103.134060.3272.7686.10100.54116.274167.7681.8497.06113.67131.714276.5592.63110.19129.27149.814386.66105.25125.42147.18170.484498.68120.07143.10167.76194.0645113.36137.78163.86191.67221.2246130.72158.36187.75218.97252.0447150.71181.79214.73249.64286.5248172.68207.46244.25283.12324.1549196.20234.97275.93319.14364.6550221.92265.07310.58358.50408.8851251.57299.51349.97403.04458.7352283.31336.47392.37451.01497.6753318.64377.52439.30487.12525.1654357.79422.89471.52509.15539.1055404.32453.15489.61517.83540.2856420.95455.20480.76500.56516.3057409.69431.32447.48459.99469.9358365.78377.18385.71392.31397.5659283.79287.82290.82293.13294.9860157.21157.21157.21157.21157.21Age Next BirthdayTerm of Loan (years) 11121314152036.6639.6842.7145.7348.752137.0040.0943.1846.2749.422237.4440.6143.8047.0250.322337.8241.0844.4047.8051.292438.3441.7445.2448.8452.592538.9742.5746.2950.1654.202639.8943.7447.7551.9356.342741.0845.2349.5854.1859.042842.7547.2752.0657.1362.492945.0350.0255.3160.9266.883047.8853.4059.2865.5272.143151.3257.4764.0070.9578.363255.4162.2769.5677.3385.633360.7468.4076.5685.2894.613467.2375.8184.9794.78105.363574.6384.2794.59105.72117.803683.2694.11105.83118.55132.343793.18105.52118.92133.46149.1338104.67118.81134.13150.67168.4239118.03134.20151.64170.37190.4240133.35151.75171.51192.66215.2241151.14172.02194.33218.13243.4442171.86195.42220.53247.22275.5343195.37221.87250.01279.87311.4444222.04251.74283.22316.50351.6345252.56285.75320.83357.84396.8246287.03324.00362.98404.03447.1747325.47366.53409.73455.14494.1548367.39412.86460.64501.26536.1649412.52462.79505.01540.93571.7850461.79505.59542.39573.68600.5751504.02541.51573.01599.79622.8052535.63567.03593.42615.86635.1553556.10581.72603.22621.53637.2554563.44583.58600.52614.93627.2955558.54573.67586.36597.15606.4456529.11539.71548.61556.18562.6957478.02484.72490.36495.13499.2558401.82405.35408.31410.84413.0159296.48297.73298.77299.66300.4260157.21157.21157.21157.21157.21Age Next BirthdayTerm of Loan (years) 16171819202051.8254.9258.1261.4064.802152.6455.9259.3162.8266.482253.7157.2260.8664.6568.632354.9058.6762.6266.7571.112456.4860.5864.8869.4174.212558.4562.9267.6572.6477.932661.0265.9471.1576.6782.542764.1769.6275.3981.5388.072868.1974.2380.6687.5094.822973.2079.9487.1194.78103.033079.1986.7194.77103.43112.823186.2594.70103.81113.66124.333294.51104.07114.43125.65137.7433104.67115.57127.37140.11153.7834116.84129.27142.67157.07172.5135130.88145.00160.18176.43193.8036147.22163.19180.32198.62218.1037165.98184.02203.28223.82245.6438187.43207.73229.36252.34276.7139211.82234.60258.80284.45311.5940239.24264.72291.74320.31350.4741270.30298.76328.84360.58394.0042305.50337.18370.59405.77437.0643344.81379.99416.98449.76478.9044388.66427.61461.89492.21519.2145437.82473.64505.17533.06557.8846484.58517.26546.03571.50594.1447527.97557.54583.55606.57627.0748566.44592.90616.18636.78655.1049598.55621.93642.51660.72676.9250623.87644.25662.18678.04692.1651642.76660.21675.55689.12701.2152651.87666.48679.34690.71700.8453650.88662.80673.27682.55690.8054638.02647.40655.65662.95669.4455614.48621.53627.71633.19638.0656568.34573.26577.60581.44584.8557502.82505.93508.67511.09513.2658414.88416.53417.97419.26420.3859301.08301.66302.17302.61303.0260157.21157.21157.21157.21157.21Age Next BirthdayTerm of Loan (years) 21222324252068.3372.0375.9079.9784.262170.3274.3678.5983.0587.772272.8277.2381.8886.8092.022375.7080.5585.6991.1496.942479.2784.6390.3496.40102.922583.5489.5095.86102.68110.052688.7795.43102.59110.30118.632795.04102.54110.64119.38128.8028102.68111.17120.37130.24140.8829111.96121.62132.00143.18155.1530122.96133.88145.63158.22171.6831135.82148.18161.42175.57190.6832150.75164.67179.57195.46212.3733168.45184.13200.85218.62237.5134189.00206.60225.30245.17266.2235212.31232.01252.91275.04298.4536238.83260.82284.12308.73334.6937268.79293.28319.18346.48371.2538302.49329.73358.44384.40407.9639340.26370.45397.67422.28444.6040382.24410.77436.48459.71480.8041423.88450.72474.90496.76516.5942465.04490.16512.80533.27551.8443504.97528.37549.45568.51585.8144543.35565.01584.54602.19618.2045580.08600.00617.96634.19648.9246614.39632.58648.97663.78677.2247645.38661.81676.63690.03702.1948671.49686.21699.48711.46722.3349691.42704.42716.14726.74736.3550704.78716.10726.32735.56743.9351712.02721.73730.47738.37745.5452709.89718.01725.34731.97737.9753698.19704.82710.77716.17721.0854675.26680.47685.17689.42693.2755642.41646.32649.84653.04655.9256587.91590.66593.13595.37597.3957515.18516.92518.48519.89521.1758421.42422.33423.15423.88424.5759303.37303.70303.99304.26304.4960157.21157.21157.21157.21157.21Age Next BirthdayTerm of Loan (years) 26272829302088.7793.5698.65104.07109.902192.7698.08103.75109.85116.432297.58103.52109.91116.81124.2123103.16109.86117.08124.85133.1724109.93117.51125.65134.39143.7525117.98126.53135.71145.53156.0326127.61137.23147.55158.58170.3527138.92149.76161.34173.72186.8828152.28164.45177.44191.29205.9729167.95181.62196.15211.61227.9830186.05201.33217.58234.78253.0031206.76223.83241.93261.07281.2832230.32249.34269.48290.72310.2233257.53278.69301.02321.47340.2434288.47311.96333.41353.06371.1035323.14345.65366.21385.07402.3736358.30379.83399.50417.53434.0737393.76414.30433.07450.26466.0438429.37448.90466.75483.11498.1139464.91483.42500.34515.84530.0640499.98517.47533.44548.07561.5141534.63551.08566.11579.88592.5142568.72584.12598.19611.09622.9243601.54615.88629.00640.99652.0144632.76646.05658.18669.30679.5145662.32674.53685.69695.92705.3046689.44700.58710.77720.10728.6747713.24723.32732.54740.97748.7048732.23741.24749.49757.04763.9849745.09753.06760.36767.03773.1650751.55758.50764.84770.66776.0051752.05758.00763.43768.42772.9852743.44748.42752.97757.13760.9753725.53729.59733.31736.71739.8254696.77699.96702.90705.57708.0255658.55660.96663.14665.15666.9956599.23600.91602.45603.86605.1457522.34523.39524.37525.25526.0758425.18425.74426.25426.72427.1559304.70304.91305.08305.25305.4060157.21157.21157.21157.21157.21Table 1B(For policies entered into, adjusted or renewed with policy year commencing on or after 1 July 2021)HOME PROTECTION INSURANCE ANNUAL PREMIUM RATE PER $10,000 INITIAL COVER FOR MALE SCHEME MEMBER (LOANS UNDER CONCESSIONARY INTEREST RATE)Age Next BirthdayTerm of Loan (years) 12345204.338.486.185.425.03214.338.486.185.425.03224.338.486.185.425.03234.338.486.185.425.03244.338.486.185.425.03254.338.486.185.425.03264.728.876.575.815.42274.728.876.575.815.42284.728.876.575.815.42294.728.876.575.815.42304.728.876.575.815.42314.728.876.575.815.42324.728.876.575.815.42334.728.876.575.815.42344.728.876.575.815.42354.728.876.575.885.52364.799.177.046.495.74375.1310.097.777.176.40385.4110.548.007.367.18395.6811.748.958.238.06406.4113.1410.049.269.06416.4313.1610.069.289.08426.8713.3010.359.509.29437.3114.2910.649.729.49447.7515.4811.4010.3710.12458.1916.9012.3511.2010.92468.6320.8415.1713.8213.48479.2822.8816.6415.0514.674810.0825.2418.2816.5016.064911.0527.9420.1718.1917.685012.2131.0122.3420.1319.575113.5734.4524.8222.3521.705214.4737.6526.9424.1923.465315.6341.3129.4226.3525.545417.0145.4732.2728.8627.955518.7150.1735.5631.7730.295624.0261.9444.3039.7137.385728.9970.8351.3446.2543.065834.3480.4558.9453.3349.115940.1090.8867.1660.9755.566046.31102.1776.0469.2064.046147.09102.9576.8269.9865.626250.51109.4581.8174.5589.986356.63121.2690.92116.14129.826463.29134.08179.55202.26215.886570.51104.90116.36122.09122.47•Where the premium payable is less than $1, the minimum premium of $1 is charged.•The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of one year.Age Next BirthdayTerm of Loan (years) 678910204.844.714.634.594.56214.844.714.634.594.56224.844.714.634.594.56234.844.714.634.594.56244.844.714.634.594.56254.844.714.634.594.56265.205.054.954.894.84275.205.054.954.894.84285.205.054.954.894.84295.205.054.954.894.84305.205.054.954.894.84315.205.054.954.894.84325.205.054.954.895.02335.205.055.125.095.25345.325.205.305.305.49355.455.355.485.515.73365.735.825.976.176.40376.356.396.506.666.85387.067.057.127.237.40397.897.837.877.948.07408.768.528.448.428.47418.788.618.538.518.55428.978.818.738.738.78439.169.008.938.959.02449.809.649.599.649.754510.5810.4310.4110.4810.634613.1313.0313.0813.2513.504714.3214.2414.3414.5614.884815.7215.6715.8216.1116.514917.3317.3417.5417.8918.365019.2219.2519.5119.9320.505121.3621.4321.7522.2722.915223.1723.3323.7824.4325.235325.2925.5626.1326.9327.905427.7628.1228.8229.7830.925530.0930.5131.3232.4033.715637.1637.6738.7240.0641.655742.7143.1444.1845.5852.285848.6148.9550.0257.6863.725954.7354.7963.8270.7576.226064.4073.6182.0688.3989.766174.7883.1789.4594.1897.8262101.09108.87114.80119.35122.9463139.95147.18152.75157.14160.6864225.67232.85238.42242.89246.5965123.96125.44126.93128.41129.89Age Next BirthdayTerm of Loan (years) 1112131415204.974.914.894.884.90214.974.914.894.884.90224.974.914.894.884.90234.974.914.894.884.90244.974.914.894.884.90254.974.914.894.884.90265.235.164.894.884.90275.235.164.985.014.90285.235.165.075.095.03295.235.165.155.175.35305.355.355.245.375.55315.355.455.325.515.73325.635.745.505.685.91335.916.045.695.866.25346.196.345.886.046.69356.476.646.857.086.91367.067.057.077.117.17377.577.537.537.557.57387.768.118.078.038.02398.298.528.558.588.90408.8910.0310.1410.2810.45419.7310.0910.2110.3710.47429.7510.4510.6810.9510.764310.5310.8111.1511.5411.954411.4811.8912.3612.8813.454512.4412.7513.1213.5514.064615.5915.8316.1616.5516.994717.2017.4417.7718.1618.604819.0319.2619.5519.9220.344921.0921.2921.5421.8622.215023.6624.0224.5025.0725.675126.5527.0827.8528.6829.575229.4230.1731.2532.4235.825332.6733.6835.1139.3042.875436.1137.1142.3346.8650.865539.7445.2350.2154.5258.295648.1253.4858.3462.5966.315758.2563.2367.7371.6375.065869.2573.8877.9781.5584.675981.3583.8687.5290.6993.476090.4193.1596.2398.89101.2361101.41104.41106.98109.18111.1162126.22128.96131.32133.37135.1663163.65166.16168.32170.20171.8864249.39251.79253.86255.68257.3065130.62131.25131.80132.28132.73Age Next BirthdayTerm of Loan (years) 1617181920204.904.894.894.894.88214.904.894.894.894.88224.904.894.894.894.88234.904.894.894.894.88244.904.894.894.895.01254.904.894.895.025.17264.904.895.025.185.33274.994.945.065.185.42285.085.175.265.375.51295.395.455.545.635.75305.575.615.645.735.82315.745.745.785.835.90325.925.935.986.056.14336.256.276.326.396.48346.706.726.766.866.95356.957.027.117.237.40367.267.377.527.717.95377.757.978.248.558.91388.698.649.049.489.99398.899.389.9110.5110.794010.2810.5510.8711.2311.624110.7411.0711.4311.8412.094211.0511.3711.7112.0812.504312.2412.5712.9013.2613.634413.7414.0214.3114.6014.904514.4614.8615.3615.8616.354617.5618.1618.9019.6620.454719.2319.8820.7921.7423.554821.0621.7722.8725.0226.874922.7323.2425.8728.2630.425026.6729.1531.6833.9335.945132.5835.1737.7440.0642.155238.9641.6844.3446.7448.925346.1749.0751.8254.2956.545454.3557.4660.2762.8565.195561.6764.7267.4869.9972.285669.5972.5275.2177.6679.905778.1180.8683.3685.6187.705887.4990.0292.3194.4196.335995.9998.25100.32102.18103.9160103.41105.38107.16108.79110.2961113.00114.70116.26117.67118.9862136.85138.37139.76141.02142.1863173.37174.69175.92177.02178.0464258.64259.85260.96261.96262.8965133.33133.88134.44134.94135.45Age Next BirthdayTerm of Loan (years) 2122232425204.914.944.975.005.02214.955.025.085.155.22225.035.145.205.265.33235.125.265.315.375.44245.205.375.425.485.55255.295.495.535.595.66265.375.615.655.705.77275.575.665.725.845.95285.805.926.046.196.35295.876.026.286.446.55305.996.366.516.676.85316.286.446.606.797.00326.566.726.907.097.30336.947.107.297.487.68347.447.607.787.968.15357.938.088.288.458.64368.518.678.849.019.20379.529.679.8410.0210.193810.6210.7810.9411.1011.263911.2111.9812.1312.2612.394012.3313.0113.4813.8314.194112.9813.4713.8214.1814.574213.5013.9414.4614.9915.954314.8615.4816.2017.4418.564416.3217.0418.6320.0921.434518.0619.6821.2622.7124.054622.4024.1725.8827.4728.924725.5227.2928.9930.5532.024828.8330.6532.3233.8835.344932.4134.2135.9037.4638.915037.9539.7841.4943.0744.525144.1646.0247.7349.3250.805250.9552.8254.5756.1957.685358.6060.4962.2463.8965.415467.2769.1770.9472.5974.125574.3076.1677.8979.5081.035681.8683.6785.3586.9288.405789.5491.2592.8494.3295.725898.0699.65101.15102.53103.8559105.47106.93108.29109.57110.7760111.69112.99114.20115.35116.4361120.22121.39122.48123.52124.5062143.27144.28145.24146.13146.9763178.98179.84180.65181.41182.1264263.70264.45265.15265.82266.4365135.96136.47136.95137.44137.90Age Next BirthdayTerm of Loan (years) 2627282930205.055.085.115.145.16215.285.355.425.485.55225.395.455.515.585.65235.495.555.605.675.74245.595.655.705.775.84255.705.745.795.875.94265.805.845.895.966.03276.006.076.146.226.33286.406.456.536.626.62296.576.606.626.656.92307.027.117.197.287.21317.107.197.287.397.50327.407.497.607.717.81337.787.887.998.108.22348.268.378.488.598.72358.818.989.169.349.52369.449.709.9510.2110.473710.5610.9811.3611.7712.423811.8112.3812.9313.7514.493913.2114.0714.2415.1115.864014.5214.6415.6716.5417.344114.7115.7716.6817.5118.294217.0918.1519.0919.9520.764319.7020.7721.7222.6123.444422.5623.6124.5925.5026.354525.2126.2827.2828.2029.074630.1731.3132.4033.3834.324733.2634.4135.4936.4937.434836.5737.7238.7939.8040.734940.1241.2642.3443.3444.285045.7946.9548.0649.0850.055152.0853.2854.4055.4756.445258.9960.2161.3662.4363.435366.7467.9769.1370.2271.265475.4776.7277.9079.0080.055582.3383.5784.7285.8286.855689.6790.8892.0293.0894.115796.9498.0999.18100.20101.1758105.00106.08107.13108.10109.0459111.82112.83113.79114.70115.5760117.39118.31119.18120.02120.8261125.39126.22127.03127.83128.5662147.75148.48149.17149.84150.4763182.76183.37183.96184.52185.0464266.97267.48267.98268.43268.8965138.34138.74139.17139.57139.96Age Next BirthdayTerm of Loan (years) 3132333435205.195.225.255.285.30215.615.685.755.815.88225.755.855.966.066.45235.855.966.076.196.54245.956.066.176.276.64256.046.156.256.356.73266.306.436.566.696.83276.596.726.846.987.11286.887.017.127.267.38297.177.307.397.547.66307.467.597.677.837.93317.757.887.948.118.20328.178.348.618.889.29338.708.999.399.9710.50349.219.4710.2911.0811.813510.2911.0311.8612.6413.373611.3812.2113.1213.9714.773713.3514.2015.1015.9416.743815.4516.3517.2518.0818.893916.8217.7418.5919.3920.174018.2919.1419.9620.7121.434119.1219.8920.6221.3121.974221.5922.3623.1023.7924.444324.2725.0525.7926.4827.144427.1927.9828.7129.4130.074529.9030.6731.4132.1032.744635.1936.0136.7737.4938.174738.2839.0939.8540.5841.274841.5942.4043.1543.8744.554945.1445.9346.6847.3948.075050.9151.7352.4953.2353.925157.3358.1558.9559.6860.385264.3365.1966.0066.7467.465372.1873.0373.8474.6275.365480.9781.8582.6883.4584.215587.7688.6189.4390.2090.945694.9995.8396.6297.3998.1257102.03102.84103.60104.34105.0458109.84110.62111.36112.09112.7459116.33117.06117.75118.42119.0560121.52122.19122.83123.46124.0461129.21129.84130.44131.03131.5862151.03151.57152.08152.59153.0563185.52185.97186.38186.81187.2064269.28269.65270.02270.36270.6865140.31140.64140.95141.30141.60Age Next BirthdayTerm of Loan (years) 3637383940205.375.575.846.146.93215.976.146.766.897.03226.586.726.856.997.39236.686.816.957.357.77246.776.917.317.738.17256.877.277.698.138.57267.237.658.098.539.00277.588.068.478.989.58287.928.489.179.5710.20298.278.899.5410.2110.83308.629.3110.1110.7811.44318.979.7210.4311.1011.743210.0810.8311.5512.2212.883311.2812.0412.7713.4614.123412.6113.3814.1014.8015.483514.1914.9615.7016.4117.093615.5816.3617.1017.8118.483717.5518.3219.0619.7520.423819.6920.4521.1721.8622.533920.9221.6622.3423.0124.394022.1522.8423.5124.1324.734122.6423.2823.9024.4825.044225.1225.7526.3626.9527.514327.8228.4429.0529.6330.184430.7331.3731.9732.5433.094533.4034.0234.6135.1735.704638.8539.4940.0840.6641.214741.9242.5543.1543.7144.264845.2045.8346.4146.9747.514948.7049.3249.9050.4550.985054.5555.1855.7856.3256.865161.0361.6662.2662.8163.365268.1468.7769.3669.9370.495376.0476.6877.3077.8778.425484.8985.5386.1686.7487.315591.6192.2392.8593.4393.985698.7699.3899.96100.53101.0857105.67106.26106.83107.39107.9258113.34113.92114.47115.01115.5359119.62120.17120.68121.18121.6860124.57125.08125.56126.03126.4861132.08132.56133.02133.46133.8962153.49153.89154.28154.65155.0363187.56187.89188.22188.53188.8264270.98271.25271.52271.78272.0365141.87142.12142.38142.64142.88Table 2A(For policies entered into or adjusted on or after 1 December 1997 but before 1 March 2001)HOME PROTECTION INSURANCE SINGLE PREMIUM RATE PER $10,000 INITIAL COVER FOR FEMALE SCHEME MEMBER (PROPERTY PURCHASED FROM HDB, JTC OR MINDEF)Age Next BirthdayTerm of Loan (years) 12345203.275.968.6211.2313.80213.275.968.6211.2313.80223.275.968.6211.2313.80233.275.968.6211.2313.80243.275.968.6211.2313.80253.275.968.6211.2313.80263.275.968.6211.2313.80273.275.968.6211.2313.80283.275.968.6211.2313.80293.275.968.6211.2313.80303.275.968.6211.2313.89313.275.968.6211.3414.15323.275.968.7411.6714.73333.276.179.2212.4115.78343.476.659.9913.5217.22353.687.1810.8614.7518.87364.017.8611.9316.2520.88374.388.6513.2018.0623.26384.809.5714.7120.1926.02395.3210.7516.5122.6529.18405.9512.0218.4625.3332.64416.7413.5320.7528.4336.64427.8015.3823.4732.1041.36438.7917.3326.4236.1746.68449.8919.4929.7740.8852.964511.3222.1933.9346.7460.794613.1025.5539.1554.0970.614715.3429.8345.7663.4082.544818.1035.1454.0074.3996.234921.7541.9963.6986.83111.495026.1149.0573.5299.52127.195131.7657.5685.01114.17145.135237.4166.3797.13129.78164.405343.9376.38110.82147.32185.955451.3387.67126.16166.90209.945561.95102.54145.48190.86238.765669.04114.34162.21212.72265.965776.86127.38180.68236.85270.475885.39141.67200.95230.53248.245994.86157.46178.31188.71194.9460105.26105.26105.26105.26105.26•Where the premium payable is less than $1, the minimum premium of $1 is charged.Age Next BirthdayTerm of Loan (years) 6789102016.3518.8521.3023.7426.122116.3518.8521.3023.7426.122216.3518.8521.3023.7426.122316.3518.8521.3023.7426.122416.3518.8521.3023.7426.122516.3518.8521.3023.7426.162616.3518.8521.3023.7726.282716.3518.8521.3623.9126.532816.3518.9121.5224.2127.012916.4119.0921.8524.7527.763016.6319.4922.4625.6028.903117.1020.2023.4626.9030.543217.9621.3524.9428.7532.833319.3323.0827.0931.3535.893421.1625.3529.8434.6039.683523.2727.9832.9938.3243.993625.8331.0936.6942.6649.033728.8034.6940.9847.6754.833832.2338.8345.8853.4161.503936.1343.5451.4759.9969.204040.4448.7757.7467.4678.034145.4254.8765.1176.2888.554251.3262.1373.9486.92101.094358.1170.6084.3699.37115.624466.2080.7896.71113.91132.424576.3093.20111.46131.06152.034688.59107.97128.72150.92174.5747103.10125.12148.60173.59200.1648119.55144.36170.76198.81228.5349137.71165.58195.13226.47259.6450156.55187.72220.72255.66292.5751177.97212.75249.54288.41329.4252201.04239.80280.75323.93358.2853226.78269.91315.41350.61378.6354255.39303.32339.10366.81388.8455289.24325.18352.01372.78389.3156301.34326.54345.34359.90371.4857292.80308.71320.58329.77337.0858260.00268.39274.64279.48283.3459199.06202.02204.21205.92207.2760105.26105.26105.26105.26105.26Age Next BirthdayTerm of Loan (years) 11121314152028.4630.7633.0335.2537.442128.4630.7633.0335.2737.512228.4630.7633.0635.3437.682328.4630.7833.1435.5137.952428.5030.9033.3335.8338.412528.6031.1033.6736.3239.082628.8431.4834.2137.0740.062729.2532.0735.0238.1341.412829.9232.9836.2139.6243.242930.9334.2937.8541.6245.633032.4036.1040.0644.2448.693134.4338.5642.9347.6052.593237.1541.7646.6551.8857.463340.7245.8651.3557.2263.493445.0850.8457.0063.6170.733550.0556.5363.4770.9679.103655.8463.1471.0379.6088.963762.5270.8279.8589.74100.513870.2479.7690.18101.54113.873979.2290.23102.23115.23129.254089.65102.33116.06130.86146.7841101.95116.46132.10148.89166.9042116.45132.98150.72169.72189.9843133.11151.85171.90193.30216.0544152.26173.43196.01220.03245.5245174.41198.25223.58250.46278.9446199.74226.47254.81284.81316.5247228.35258.23289.83323.23351.9348260.02293.31328.46358.37384.0749294.68331.70362.79389.23411.9650331.53363.78390.88413.92433.7151362.77390.39413.58433.29450.2452386.24409.37428.80445.32459.5153401.40420.26436.09449.57461.1454406.77421.60434.06444.66453.7755402.74413.87423.21431.16437.9956380.89388.68395.23400.80405.5957343.03347.95352.09355.61358.6258286.46289.05291.24293.09294.6859208.37209.28210.04210.70211.2660105.26105.26105.26105.26105.26Age Next BirthdayTerm of Loan (years) 16171819202039.6541.8644.1146.4348.802139.8042.1044.4846.9149.452240.0542.4844.9947.6050.342340.4543.0645.7648.5951.562441.0843.8846.8149.9053.152541.9845.0248.2251.6055.202643.2246.5650.0753.8157.772744.8948.5652.4656.5961.002847.0851.1555.4760.0865.022949.8954.4159.2564.4169.973053.4558.5063.9369.7776.083157.9063.5869.7176.3683.613263.4269.8676.8684.4792.773370.2777.6185.6394.36103.823478.4586.9096.10106.07116.833588.0097.68108.19119.54131.743699.19110.26122.22135.07148.8737112.18124.78138.34152.88168.4438127.16141.45156.78173.18190.6739144.33160.50177.77196.21215.8340163.83182.05201.47222.12244.0841186.10206.57228.34251.46275.9442211.56234.51258.85284.63307.5843240.24265.89293.03317.07338.4544272.55301.14326.29348.55368.3645309.05335.37358.52379.00397.2446344.02368.04389.18407.90424.5547376.81398.55417.69434.61449.6948406.35425.82442.95458.11471.6149431.66448.88464.03477.44489.3650450.88465.87479.07490.76501.1651464.95477.79489.09499.09507.9952471.82482.59492.05500.44507.9053471.18479.95487.68494.51500.5954461.66468.56474.63480.01484.7955443.91449.09453.64457.66461.2556409.74413.37416.56419.38421.8857361.25363.53365.54367.34368.9258296.07297.26298.33299.26300.1159211.75212.18212.54212.87213.1760105.26105.26105.26105.26105.26Age Next BirthdayTerm of Loan (years) 21222324252051.2553.8156.4759.2662.202152.0854.8657.7460.8064.022253.2256.2259.4062.7466.292354.6857.9961.4865.1869.112456.5860.2264.0868.2072.602558.9863.0267.3171.9276.902661.9866.4871.3076.5282.192765.7170.7776.2382.1888.642870.3176.0482.2989.0896.432975.9882.5589.6897.40105.743082.9890.4798.59107.36116.803191.49100.03109.25119.18129.8632101.75111.47121.92133.14145.1833114.06125.06136.87149.52163.0434128.42140.86154.18168.41183.5735144.84158.86173.84189.81206.7836163.65179.41196.22214.08233.0337185.04202.74221.53241.49259.5838209.29229.09250.08269.06286.2839236.66258.75278.67296.66313.0040267.32288.21307.02324.04339.4741297.83317.48335.19351.20365.7342328.08346.48363.09378.09391.7043357.55374.73390.18404.16416.8544386.08401.98416.31429.27441.0245413.54428.18441.36453.29464.1146439.44452.81464.86475.74485.6247463.15475.26486.14496.01504.9448483.67494.50504.25513.07521.0849500.03509.60518.23526.03533.1250510.44518.80526.32533.12539.2851515.95523.09529.53535.35540.6352514.56520.54525.94530.81535.2353506.02510.90515.30519.26522.8854489.08492.91496.37499.49502.3355464.46467.34469.93472.28474.4056424.14426.16427.96429.62431.1157370.33371.61372.76373.80374.7458300.85301.52302.12302.67303.1759213.43213.67213.87214.06214.2560105.26105.26105.26105.26105.26Age Next BirthdayTerm of Loan (years) 26272829302065.2868.5572.0175.7179.682167.4171.0374.8979.0483.522270.0674.1078.4383.1388.222373.3277.8782.7988.1293.902477.3582.5188.1094.15100.672582.3188.1794.52101.36108.732688.3595.00102.19109.92118.232795.64103.17111.30120.03129.3728104.35112.89122.06131.88142.3829114.72124.36134.68145.72157.5030126.93137.80149.40161.79174.9831141.28153.50166.51180.39195.1132158.02171.72186.30201.78216.0033177.46192.80209.09224.00237.6834199.71216.84232.50246.84259.9935224.79241.24256.25270.01282.6336250.29266.00280.37293.54305.6237276.04291.04304.75317.32328.8438301.93316.21329.26341.22352.1839327.86341.39353.77365.11375.5140353.50366.29378.00388.71398.5541378.93390.99401.99412.07421.3442404.06415.36425.67435.11443.7843428.38438.91448.52457.33465.4144451.72461.46470.37478.53486.0245473.94482.92491.12498.62505.5246494.60502.79510.28517.14523.4547513.08520.49527.26533.47539.1848528.36535.00541.07546.62551.7149539.55545.42550.78555.70560.2150544.88550.01554.68558.96562.9051545.43549.81553.80557.47560.8452539.26542.93546.28549.36552.1753526.15529.14531.88534.38536.6854504.91507.26509.42511.39513.1855476.34478.11479.71481.19482.5456432.46433.70434.84435.86436.8257375.59376.38377.08377.74378.3458303.62304.02304.41304.75305.0759214.40214.54214.68214.79214.9260105.26105.26105.26105.26105.26Table 2B(For policies entered into, adjusted or renewed with policy year commencing on or after 1 July 2021)HOME PROTECTION INSURANCE ANNUAL PREMIUM RATE PER $10,000 INITIAL COVER FOR FEMALE SCHEME MEMBER (LOANS UNDER CONCESSIONARY INTEREST RATE)Age Next BirthdayTerm of Loan (years) 12345204.138.235.935.214.83214.138.285.935.224.83224.138.285.985.224.83234.138.285.985.224.83244.138.285.985.224.83254.138.285.985.224.83264.138.285.985.224.83274.158.306.005.244.85284.168.316.015.254.86294.178.326.025.264.87304.188.336.035.274.88314.208.356.055.294.90324.228.376.075.314.92334.248.396.095.334.94344.268.416.115.354.96354.288.436.135.374.98364.308.456.155.395.00374.358.506.205.445.05384.398.546.245.725.57394.509.006.876.326.17404.989.947.627.026.86415.5511.018.477.837.65425.9311.899.138.438.38436.3012.769.789.039.21446.6713.6410.439.629.37457.0414.5111.0810.229.53467.4115.3811.7310.8110.58477.5516.4512.3711.3411.09487.8017.7413.1912.0411.76499.3421.5515.8814.5314.195010.0023.6017.3615.7715.395110.8025.9619.0017.2216.785211.9328.8221.0519.0718.565313.2532.0523.3821.1720.615414.7935.6726.0423.5722.925516.5439.7229.0126.2625.535618.5444.2232.3329.2628.455718.9245.1032.9929.8628.515819.2945.9733.6430.4628.935919.6646.8534.2931.0534.306020.0347.7234.9431.6536.026120.8366.9445.4339.8238.256225.8176.5952.8746.6861.886331.2487.1060.9782.8795.986431.2487.10117.26134.52144.876534.6660.7469.4473.7876.39•Where the premium payable is less than $1, the minimum premium of $1 is charged.•The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of one year.Age Next BirthdayTerm of Loan (years) 678910204.604.444.324.254.19214.604.444.324.254.19224.604.444.324.254.19234.604.444.324.254.19244.604.444.324.254.19254.604.444.324.254.19264.604.444.324.254.19274.614.454.334.264.19284.624.464.344.264.20294.634.474.354.274.20304.644.474.364.284.21314.664.484.364.284.21324.674.504.374.294.21334.694.514.384.294.21344.714.524.394.304.21354.734.544.404.304.39364.744.554.614.714.82374.944.914.935.005.08385.415.355.335.385.45395.965.875.835.845.88406.636.496.426.426.43417.377.217.117.087.08428.107.947.877.857.87438.878.598.458.408.40449.058.628.558.548.61459.239.089.039.039.104610.2910.1410.1110.1410.244710.7210.5210.4210.4210.484811.3011.0310.9010.8510.884913.6413.3613.2213.2013.265014.7114.2914.0613.9413.905115.9615.4315.0614.8514.725217.5016.7916.2415.8415.535319.3118.3717.6317.0216.545421.3520.1719.2118.4217.725523.8522.6321.6620.8620.185626.7025.4424.4723.7123.105727.3926.8126.5626.5530.215828.4728.5929.1034.3438.395934.5135.4543.1749.1954.026036.7646.6454.2160.2165.156151.0060.4367.7873.7778.786273.5082.2189.1194.8299.6663106.53112.34117.25121.55125.4364153.88160.91166.71171.69176.086578.8381.2783.7186.1688.60Age Next BirthdayTerm of Loan (years) 1112131415204.574.504.454.424.41214.574.504.454.424.41224.574.504.454.424.41234.574.504.454.424.41244.574.504.454.424.41254.574.504.454.424.41264.574.504.454.424.41274.584.504.464.434.42284.584.514.474.434.43294.594.524.474.444.44304.594.524.484.454.45314.604.534.494.464.57324.644.584.554.654.77334.674.624.674.754.85344.714.794.734.814.91354.914.955.025.115.23365.375.415.495.595.72375.685.745.815.926.05386.096.146.226.346.49396.616.666.756.877.02407.237.287.397.527.69417.988.048.158.308.49428.358.509.169.379.60438.569.739.8810.0810.33449.789.9210.1410.3810.684510.2710.3710.5111.0311.364611.5011.5411.6211.7411.904711.8811.9312.0012.1312.264812.4112.4412.5112.5912.704915.1115.1115.1015.1415.185015.9816.0716.1516.3616.595117.0117.2017.3917.7918.235218.1218.4818.8419.5021.645319.3919.9320.4723.1625.405420.3522.0023.6426.7929.605524.0527.3830.8333.7836.305627.2130.4833.8336.7139.265734.3837.7841.1244.0546.665842.6646.2349.5952.5855.245958.7862.9066.5169.7372.636069.6073.4476.8679.8982.656182.8786.4789.6392.4995.1062103.45106.80109.78112.47114.9563128.02130.41132.60134.64136.6064179.14181.93184.44186.76188.956589.9091.2192.5193.8195.12Age Next BirthdayTerm of Loan (years) 1617181920204.414.404.394.384.37214.414.404.394.384.37224.414.404.394.384.37234.414.404.394.384.37244.414.404.394.384.37254.414.404.394.384.37264.414.404.394.384.37274.444.444.444.444.38284.474.474.484.494.39294.504.514.534.554.42304.534.554.574.614.47314.564.584.624.664.73324.804.844.894.975.06334.894.955.015.115.21344.995.045.155.255.39355.315.405.525.655.81365.815.916.046.186.33376.166.266.406.566.72386.596.726.877.027.21397.157.287.447.617.78407.848.028.208.408.62418.688.889.119.359.60429.8010.0210.2510.3510.754310.7310.9311.1411.2311.524410.8611.0411.7411.6411.904511.7911.6712.2011.7812.064612.1212.3712.6612.9713.304712.6513.0713.5714.0815.214813.2713.8614.5715.9817.244915.9416.7318.6420.3621.915017.6319.7021.6523.3924.995120.6622.8124.8426.6728.325224.0726.2528.2730.1131.795327.8530.0432.0733.9135.615432.0534.2736.2938.1539.875538.8241.0843.1545.0546.815641.6243.7745.7347.5349.225749.0051.1653.1354.9556.655857.5859.7261.6763.4865.175975.0777.3179.3681.2683.056084.9787.1089.0790.9292.636197.3099.32101.18102.95104.5962116.95118.80120.53122.13123.6663137.93139.18140.39141.53142.6464190.52191.97193.35194.66195.916595.8396.5597.2797.9998.71Age Next BirthdayTerm of Loan (years) 2122232425204.424.464.514.554.59214.424.464.514.554.59224.424.464.514.554.65234.424.464.514.594.71244.424.464.544.644.77254.424.484.584.694.83264.484.584.694.794.90274.594.704.814.924.97284.714.814.935.055.06294.824.935.065.195.17304.935.055.185.325.29315.055.165.315.455.60325.205.385.635.765.90335.435.795.916.046.18345.755.886.006.156.30356.226.376.506.676.83366.786.947.097.257.43377.197.327.487.627.78387.697.807.958.078.20398.278.388.488.588.68409.169.299.459.619.794110.1910.3310.5710.8211.074211.4811.6912.0712.4513.204311.8412.2712.9613.7914.734412.3813.3814.3015.3116.214513.1014.0615.1216.0616.924614.4515.4216.5017.4518.334716.4217.4518.5419.5220.434818.4819.6220.7321.7422.694923.3824.7325.9627.1028.165026.4427.7729.0330.1831.245129.7831.1332.3633.5134.575233.2434.5835.8336.9838.075337.0638.4139.6540.8141.905441.3142.6543.8945.0646.165548.2849.6650.9452.1353.295650.6351.9553.1754.3455.425758.0859.3960.6361.8162.925866.5967.9269.1970.3571.495984.5385.9387.2588.5089.706094.0695.4396.7097.9199.0861105.98107.27108.52109.70110.8362124.39125.10125.79126.46127.0963143.42144.17144.91145.61146.2864196.83197.70198.55199.37200.136599.40100.09100.76101.43102.09Age Next BirthdayTerm of Loan (years) 2627282930204.554.644.764.884.91214.684.804.925.065.10224.734.834.945.065.10234.784.874.965.065.10244.834.904.985.065.10254.884.945.005.065.10264.944.985.025.065.10275.005.055.105.185.25285.115.165.235.315.42295.225.295.375.485.56305.365.445.665.625.75315.655.725.815.906.00325.966.036.086.136.15336.226.246.266.276.29346.336.366.386.416.44356.916.977.077.167.25367.547.677.838.008.17377.998.228.508.789.27388.528.849.269.8810.44399.059.4310.2310.9911.694010.3211.1612.0012.7913.524112.0612.9813.8914.7415.554214.2415.1716.1116.9817.784315.7016.6217.5318.3819.204417.1418.0918.9819.8220.604517.8818.7519.5920.3721.104619.2520.0920.8821.6222.334721.3322.1822.9723.7224.404823.5924.4325.2225.9526.654929.1330.0330.8731.6832.425032.2033.0933.9434.7235.485135.5236.4337.2638.0538.795239.0239.9240.7541.5242.275342.8543.7444.5945.3846.135447.1148.0048.8449.6450.405554.2455.1556.0256.8357.625656.3557.2358.0558.8359.605763.8564.7465.5866.4067.175872.4373.3374.1875.0175.795990.6891.6492.5493.4094.2460100.04100.97101.85102.71103.5261111.77112.66113.53114.35115.1562127.56128.01128.44128.87129.2863146.78147.26147.72148.18148.6164200.73201.29201.83202.37202.8765102.60103.09103.58104.07104.55Age Next BirthdayTerm of Loan (years) 3132333435204.975.025.075.125.17215.165.215.275.325.37225.165.215.275.325.37235.165.215.275.325.37245.165.215.275.325.37255.165.215.275.325.37265.165.215.275.325.37275.315.385.455.515.58285.505.575.645.715.79295.655.735.825.905.99305.845.936.026.106.20316.136.206.286.346.40326.266.386.536.607.25336.446.706.777.297.77346.706.797.317.808.26357.698.098.579.039.43368.669.099.5810.0610.47379.8010.2810.8011.3011.743811.0311.5812.1412.6513.133912.3612.9913.5514.1114.624014.2114.8615.4616.0416.574116.2416.9217.5518.1418.714218.5219.2019.8420.4521.024319.9020.5721.2121.7922.354421.2821.9422.5523.1223.674521.7622.3722.9523.4924.014622.9523.5424.1124.6525.154725.0425.6426.1926.7227.224827.2727.8628.4328.9629.464933.0933.7234.3434.9135.445036.1436.7737.3737.9338.485139.4540.0740.6741.2441.775242.9543.5844.1744.7445.285346.7947.4248.0348.5949.145451.0551.6852.2852.8653.405558.3058.9359.5560.1360.705660.2460.8761.4462.0062.565767.8368.4569.0469.6370.185876.4577.0877.6978.2878.845994.9495.6196.2696.8897.4960104.20104.85105.50106.10106.6961115.83116.46117.08117.68118.2562129.59129.90130.18130.46130.7463148.95149.28149.58149.89150.1864203.28203.67204.03204.39204.7465104.92105.28105.64106.00106.36Age Next BirthdayTerm of Loan (years) 3637383940205.275.365.455.546.55215.655.936.216.496.77225.655.936.216.496.77235.655.936.216.496.77245.655.936.216.496.77255.655.936.216.496.77265.655.936.216.496.77275.926.256.606.937.25286.196.586.987.367.72296.466.917.367.798.19306.727.247.748.228.67317.007.578.138.659.14327.848.428.969.479.96338.338.869.369.8410.30348.789.279.7410.1910.61359.9510.4310.8911.3311.743610.9611.4411.8812.3112.703712.2412.7113.1713.5913.993813.6314.1114.5715.0015.383915.1415.6216.0616.5016.904017.0817.5818.0418.4618.894119.2319.7320.2020.6421.074221.5522.0622.5422.9923.424322.8723.3623.8324.2625.654424.1724.6525.1025.5325.924524.5024.9525.3925.7926.194625.6126.0426.4626.8627.254727.6928.1228.5428.9329.324829.9330.3530.7731.1631.544935.9436.3936.8537.2837.685038.9639.4339.8740.3140.715142.2642.7143.1543.5743.985245.7646.2346.6847.0947.505349.6250.0850.5350.9451.355453.8754.3354.7755.2055.615561.1861.6662.1162.5462.965663.0163.4663.9164.3264.725770.6671.1171.5671.9972.395879.3379.7980.2480.6881.085998.0098.4898.9599.4299.8560107.20107.68108.14108.60109.0261118.75119.21119.67120.11120.5462130.95131.16131.37131.56131.7563150.41150.63150.86151.06151.2764205.02205.28205.56205.80206.0565106.62106.88107.15107.42107.68Table 3A(For policies entered into or adjusted on or after 1 December 1997 but before 1 March 2001)HOME PROTECTION INSURANCE SINGLE PREMIUM RATE PER $10,000 INITIAL COVER FOR MALE SCHEME MEMBER (PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345204.888.2211.5414.8818.22214.888.2211.6114.9818.37224.888.3211.7515.1818.59234.888.3211.7915.2318.68244.888.3811.8715.3518.80254.888.3811.9015.3918.87264.888.4411.9715.4819.00274.888.4411.9715.5319.14284.888.4412.0415.7219.50294.888.5512.2916.1620.04304.888.7112.6716.6320.70314.888.9312.9617.1221.49324.888.9513.2017.6822.42334.889.2813.9218.8124.01345.199.9915.0920.4926.22355.4910.7816.3822.3528.71365.9911.8018.0124.6331.79376.5312.9719.9027.3735.41387.1614.3822.2030.6139.62397.9416.1424.9334.3544.42408.8718.0527.8738.4049.684110.0920.3431.3143.1055.784211.6323.1035.4248.6762.954313.1326.0139.8854.8371.064414.7629.2544.9161.9580.594516.8933.3351.2170.8392.514619.5638.3759.0781.97106.994722.8944.7969.0595.46123.914827.0352.7880.67110.59142.644932.4961.8193.21126.80162.665038.9971.84107.00144.54184.565147.4284.22123.54165.41210.015255.8897.00140.84187.51237.145365.62111.49160.35212.30267.445476.65127.81182.20239.94301.105592.51149.45209.88273.93341.6656103.11166.44233.52304.50379.4457114.80185.09259.46338.03384.9358127.57205.56287.94328.97353.4759141.70228.12256.85271.18279.7160157.21157.21157.21157.21157.21•Where the premium payable is less than $1, the minimum premium of $1 is charged.Age Next BirthdayTerm of Loan (years) 6789102021.5724.8828.1931.4934.732121.7425.1028.4331.7435.032222.0025.3828.7332.0735.422322.1025.5028.8832.2935.742422.2525.6829.1332.6436.162522.3525.8629.4233.0236.672622.5726.2029.8533.5937.422722.8526.5830.3834.3238.412823.2927.1931.2335.4239.832924.0328.1732.4937.0241.813024.9529.4034.0839.0344.263126.0830.9236.0341.4847.303227.4332.7338.3944.4450.913329.5335.4141.7348.4855.713432.3438.9245.9753.5161.593535.5942.9350.8359.2868.313639.4847.7356.5566.0076.143744.0253.2563.1373.7485.133849.2659.5970.6882.6195.483955.2366.8279.3092.77107.434061.8074.8688.96104.32121.164169.4484.20100.31117.98137.294278.4395.33113.89134.19156.194388.79108.32129.67152.81177.7644101.14123.63147.97174.19202.3345116.21141.85169.42198.99230.6046133.99163.01194.08227.26262.6147154.42187.05221.87258.96298.3748176.88213.37252.24293.55337.3949200.89241.59284.85330.75379.3850227.17272.45320.51371.41425.2351257.40307.73361.02417.37476.8552289.80345.60404.61466.89516.1853325.87387.64452.87503.09542.8554365.80434.11484.90524.01554.9755413.19463.90501.60530.64553.6256429.10464.31490.49510.66526.6157416.01438.03454.42467.04477.0358369.70381.22389.78396.37401.5759285.38289.39292.38294.67296.5060157.21157.21157.21157.21157.21Age Next BirthdayTerm of Loan (years) 11121314152037.9741.2044.4747.7250.982138.3341.6544.9648.3051.712238.8042.1845.6049.1052.672339.1942.6846.2549.9353.722439.7443.4047.1751.0755.142540.4244.2748.3052.5056.902641.4045.5449.8754.4159.242742.6747.1551.8556.8662.162844.4449.3254.5160.0365.892946.8552.2457.9864.0970.613049.8755.8462.2169.0176.273153.5060.1567.2474.8482.943257.8365.2473.1781.6490.743363.4571.7280.5990.09100.333470.2679.5289.46100.18111.793578.0188.4299.64111.80125.073687.0498.77111.51125.42140.573797.43110.77125.36141.26158.4838109.47124.75141.44159.52179.0339123.47140.97159.95180.44202.4640139.54159.47180.97204.10228.8641158.22180.81205.09231.09258.8542179.92205.43232.71261.86292.9143204.53233.20263.79296.36330.9844232.42264.54298.72335.03373.5245264.30300.16338.23378.58421.2846300.23340.14382.44427.18474.3947340.22384.55431.42480.89523.0448383.82432.91484.71528.44565.6949430.78485.03530.28568.45600.9850482.04528.75567.71600.58628.5951524.92564.45597.42625.24648.9352556.01588.76616.06639.12658.7553574.98601.39623.42642.00657.8354579.99600.56617.71632.18644.5155572.19587.46600.20610.94620.0956539.49550.10558.94566.40572.7557485.10491.74497.26501.93505.9158405.80409.27412.15414.60416.6759297.96299.18300.19301.03301.7660157.21157.21157.21157.21157.21Age Next BirthdayTerm of Loan (years) 16171819202054.3057.6961.1764.7868.512155.2058.7862.4866.3570.392256.3760.2064.1968.3772.782357.6761.7966.1370.7075.542459.4063.8968.6373.6578.982561.5666.4871.7077.2383.122664.3569.7875.5481.6888.202767.8073.8080.2187.0394.312872.1678.8185.9493.56101.732977.5785.0192.96101.51110.743084.0392.34101.29110.94121.443191.62100.98111.09122.08134.0432100.52111.10122.63135.16148.7233111.42123.50136.63150.85166.2034124.45138.22153.13169.24186.5535139.51155.16172.03190.20209.6736156.99174.71193.75214.19236.0237177.08197.06218.50241.41265.8338200.02222.51246.54272.16299.4139226.07251.28278.17306.76337.1040255.32283.53313.52345.34379.0241288.45319.91353.28388.61425.9142325.91360.91397.95437.07471.4943367.68406.53447.54483.45515.0644414.23457.24494.68527.48556.3345466.33505.34539.31569.06595.2446514.98550.10580.68607.48631.0547559.27590.62617.92641.84662.8948597.70625.41649.54670.68689.2749628.93653.13674.20692.67708.9150652.66673.48691.63707.52721.5051669.30686.93702.28715.73727.5652675.62690.24702.95714.09723.9053671.45683.23693.49702.46710.3754655.12664.29672.28679.28685.4355627.96634.77640.70645.90650.4756578.23582.96587.07590.67593.8557509.33512.28514.86517.12519.1058418.45420.01421.35422.52423.5759302.39302.93303.39303.81304.1760157.21157.21157.21157.21157.21Age Next BirthdayTerm of Loan (years) 21222324252072.4176.5280.8385.3790.182174.6479.1383.8588.8594.162277.4382.3587.5493.0898.952380.6486.0791.8497.96104.522484.6290.6397.03103.89111.252589.3896.07103.23110.93119.282695.19102.67110.73119.47128.9427102.12110.55119.71129.62140.3228110.55120.13130.52141.73153.8329120.75131.65143.42156.10169.7330132.85145.19158.48172.77188.0931146.97160.92175.91191.99209.1732163.34179.08195.94213.95233.1833182.69200.38219.28239.45260.9134205.10224.93246.09268.60292.4835230.48252.66276.28301.33327.8836259.30284.06310.35338.19367.6037291.80319.39348.58379.43407.0438328.33358.96391.31420.19446.0239369.21403.14433.33460.28484.3840414.61446.16474.24499.31521.7341458.88488.12514.14537.36558.1442501.91528.89552.88574.32593.4843542.98567.75589.80609.47627.0744581.83604.45624.58642.53658.6145618.37638.89657.15673.44688.0346651.88670.37686.80701.48714.6047681.48697.96712.65725.75737.4748705.70720.28733.25744.82755.1949723.25735.98747.30757.41766.4650733.87744.82754.58763.27771.0751738.03747.29755.55762.91769.5052732.56740.24747.09753.18758.6453717.37723.56729.07734.00738.4054690.87695.69699.99703.82707.2555654.50658.09661.28664.12666.6656596.65599.13601.36603.33605.1057520.87522.41523.80525.04526.1558424.47425.30426.02426.67427.2459304.49304.76305.02305.25305.4460157.21157.21157.21157.21157.21Age Next BirthdayTerm of Loan (years) 26272829302095.27100.67106.42112.59119.252199.78105.80112.25119.22126.7422105.24111.97119.26127.14135.6323111.57119.20127.44136.34145.9024119.23127.87137.19147.21157.9625128.32138.07148.59159.86171.9326139.15150.17161.99174.65188.1827151.87164.27177.55191.73206.8728166.84180.76195.64211.52228.4129184.33199.94216.60234.31253.1030204.47221.94240.51260.25281.1331227.49246.98267.67289.59312.7432253.63275.34298.33322.62344.5633283.68307.80333.29356.27377.0334317.79344.52368.59390.30409.9135355.92381.12403.81424.28442.7736393.98417.69439.04458.29475.6937431.78454.04474.07492.15508.4738469.19490.02508.77525.68540.9639506.01525.45542.94558.74572.9940541.83559.91576.19590.87604.1341576.77593.53608.60622.21634.5042610.67626.12640.04652.58663.9243642.85657.04669.82681.35691.7544673.03685.97697.63708.17717.6745701.10712.85723.43732.98741.6146726.38736.96746.50755.09762.8547747.98757.43765.94773.61780.5548764.47772.82780.34787.12793.2449774.58781.85788.42794.36799.7050778.05784.32789.97795.07799.6951775.41780.73785.51789.82793.7252763.53767.94771.91775.48778.7253742.35745.89749.10751.97754.5954710.33713.09715.58717.83719.8555668.96671.00672.85674.52676.0356606.69608.11609.39610.54611.5957527.14528.03528.83529.56530.2258427.76428.22428.63429.02429.3759305.64305.80305.93306.07306.1860157.21157.21157.21157.21157.21Table 3B(For policies entered into, adjusted or renewed with policy year commencing on or after 1 July 2021)HOME PROTECTION INSURANCE ANNUAL PREMIUM RATE PER $10,000 INITIAL COVER FOR MALE SCHEME MEMBER (LOANS UNDER MARKET INTEREST RATE)Age Next BirthdayTerm of Loan (years) 12345204.348.516.225.455.07214.348.516.225.455.07224.348.516.225.455.07234.348.516.225.455.07244.348.516.225.455.07254.348.516.225.455.07264.738.906.615.845.46274.738.906.615.845.46284.738.906.615.845.46294.738.906.615.845.46304.738.906.615.845.46314.738.906.615.845.46324.738.906.615.845.46334.738.906.615.845.46344.738.906.615.845.46354.738.906.615.915.56364.799.197.096.545.79375.1410.117.817.216.45385.4210.588.057.407.25395.6911.798.998.298.13406.4213.1810.099.329.14416.4413.2010.119.349.16426.8813.3410.409.579.38437.3214.3510.709.799.59447.7615.5411.4710.4610.23458.2116.9712.4211.2911.04468.6520.8515.1813.9313.63479.3022.9716.7515.1814.824810.1025.3418.3916.6416.244911.0728.0620.3018.3417.885012.2531.1222.4920.3119.795113.6134.5824.9822.5421.945214.5137.7927.1124.4023.735315.6641.4829.6126.5925.845417.0745.6432.4929.1228.285518.7550.3735.7932.0630.725624.0862.1844.5940.0737.975729.0571.0951.6546.6543.815834.4180.7559.2953.7550.045940.1891.2267.5461.4356.696046.40102.5276.4669.7165.176147.18103.3077.2470.4966.636250.60109.8382.2575.0991.066356.73121.6791.40116.84130.896463.41134.52180.26203.12216.816570.64105.12116.61122.35122.75•Where the premium payable is less than $1, the minimum premium of $1 is charged.•The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of one year.Age Next BirthdayTerm of Loan (years) 678910204.884.774.694.644.63214.884.774.694.644.63224.884.774.694.644.63234.884.774.694.644.63244.884.774.694.644.63254.884.774.694.644.63265.245.115.014.944.91275.245.115.014.944.91285.245.115.014.944.91295.245.115.014.944.91305.245.115.014.944.91315.245.115.014.944.91325.245.115.014.955.10335.245.115.195.165.33345.375.255.375.385.60355.515.415.565.605.84365.795.906.056.286.53376.426.476.606.776.98387.147.147.247.367.55397.987.947.988.088.24408.848.618.568.568.63418.878.738.678.678.73429.078.938.878.908.98439.279.149.099.149.24449.929.799.779.859.994510.7210.6010.6110.7110.904613.3113.2313.3213.5413.834714.5014.4714.6214.8815.244815.9315.9216.1216.4616.914917.5817.6217.8818.2718.815019.4919.5719.8820.3720.995121.6521.7822.1722.7523.465223.5023.7224.2324.9625.845325.6525.9926.6427.5128.575428.1528.5929.3730.4231.665530.5931.0731.9833.1634.545637.8238.4139.5441.0142.725743.5344.0145.1746.6853.575849.5949.9751.1659.0465.215955.8655.9265.1972.3177.916065.4174.7783.3189.7591.176175.9484.4290.8195.5999.2962102.28110.12116.10120.69124.3063141.06148.32153.94158.34161.8964226.64233.83239.42243.90247.6265124.24125.73127.20128.69130.17Age Next BirthdayTerm of Loan (years) 1112131415205.044.994.974.985.00215.044.994.974.985.00225.044.994.974.985.00235.044.994.974.985.00245.044.994.974.985.00255.044.994.974.985.00265.305.244.974.985.00275.305.245.065.115.00285.305.245.155.195.14295.305.245.255.285.48305.445.445.355.495.68315.445.565.445.645.87325.735.865.625.826.07336.016.175.836.026.43346.326.476.046.206.88356.676.917.207.527.44367.337.477.667.888.12377.948.158.418.719.04388.678.969.299.6510.08398.839.2210.3110.7711.28409.0710.5510.9911.4912.054110.2510.9411.4211.9712.494210.5811.1512.1312.6812.764310.9111.3512.4412.9913.034411.7812.2312.7413.3113.934512.7713.1213.5314.0114.564615.9916.2716.6517.0617.554717.6317.9218.2818.7019.184819.5019.7620.0920.4920.934921.6121.8322.1022.4322.815024.2424.6125.1225.7126.355127.1827.7328.5229.4030.345230.1130.8932.0133.2436.735333.4434.4635.9640.2743.915436.9137.9143.2647.9252.005540.7346.3051.3955.7959.615649.3254.7659.7264.0467.825759.6764.7369.3073.2676.735870.8675.5679.7583.3686.535983.1685.7789.4992.7295.526091.8894.6697.78100.46102.8161102.92105.96108.55110.76112.7062127.59130.38132.75134.81136.6063164.86167.38169.55171.43173.1064250.42252.80254.88256.70258.3165130.89131.52132.08132.55132.99Age Next BirthdayTerm of Loan (years) 1617181920205.004.994.994.994.98215.004.994.994.994.98225.004.994.994.994.98235.004.994.994.995.01245.004.994.995.025.14255.004.995.025.155.31265.005.025.155.325.49275.125.075.205.345.60285.215.315.415.555.70295.535.605.715.825.96305.715.765.825.926.04315.895.925.976.056.13326.096.136.206.286.39336.456.496.566.666.77346.916.967.037.157.28357.457.497.537.617.73368.118.118.138.198.27379.039.049.089.159.233810.0810.1110.1510.2010.303911.2711.3011.3311.3911.464012.3012.3012.3112.3412.374112.4912.5112.5412.5913.144212.8612.5212.6312.7413.694313.2213.4313.6313.8514.064414.2214.5114.8015.1015.394514.9815.3915.9116.4116.924618.1618.7919.5620.3521.164719.8620.5721.5322.5124.394821.7222.5123.6825.9027.834923.4224.0426.7829.2431.505027.4630.0632.6935.0237.125133.4936.1938.8541.2543.405240.0042.8045.5548.0050.245347.3150.2953.0955.6257.925455.5758.7661.6264.2466.615563.0766.1668.9671.5073.845671.1474.1376.8579.3381.595779.8482.6285.1587.4389.535889.3991.9594.2696.3998.335998.08100.38102.46104.34106.0760105.00106.99108.78110.41111.9161114.61116.32117.88119.29120.6062138.29139.80141.21142.44143.6163174.59175.92177.13178.22179.2464259.65260.85261.95262.94263.8665133.59134.14134.70135.20135.69Age Next BirthdayTerm of Loan (years) 2122232425205.015.045.105.135.16215.055.155.215.295.38225.165.275.345.425.51235.255.405.475.555.63245.345.535.605.675.77255.455.675.725.815.89265.555.805.875.936.02275.765.875.956.096.23286.026.156.306.476.66296.106.276.556.726.85306.226.626.776.957.15316.546.706.887.097.32326.837.007.197.397.60337.257.407.587.777.98347.767.918.078.258.42358.268.428.618.768.95368.859.019.199.369.54379.8610.0310.2210.4110.593810.9811.1511.3411.5211.713911.7712.3712.5612.7412.904012.6813.6113.9514.3514.774113.5813.9414.3414.7615.194213.9614.4515.0315.6116.644315.3816.0716.8618.1819.364416.9217.7419.4120.9422.344518.7320.4622.1123.6325.034623.2325.0926.8828.5330.044726.4528.3130.0731.6933.214829.8731.7433.4935.0936.594933.5535.4137.1538.7340.225039.1741.0642.8044.4045.905145.4747.3749.1150.7252.225252.3154.2255.9957.6459.155360.0161.9463.7165.3766.905468.7270.6272.4374.0975.625575.8877.7679.5081.1282.655683.5885.4087.0988.6690.145791.4093.1194.7196.2097.5958100.07101.67103.15104.54105.8659107.64109.11110.46111.74112.9460113.31114.62115.82116.96118.0461121.85123.01124.09125.13126.0962144.69145.70146.64147.53148.3663180.17181.03181.81182.58183.2864264.66265.39266.09266.73267.3365136.20136.71137.19137.67138.13Age Next BirthdayTerm of Loan (years) 2627282930205.215.265.315.365.41215.465.555.645.735.81225.595.685.765.855.94235.715.785.855.935.99245.825.905.966.026.10255.956.006.046.136.21266.066.096.156.236.32276.286.346.416.496.58286.716.746.806.876.98296.866.896.897.227.39307.347.407.497.577.48317.397.497.577.667.75327.697.807.908.008.11338.098.208.328.448.56348.558.698.838.989.12359.149.349.549.759.97369.8210.1010.3810.6710.973710.9911.4211.8412.2812.973812.2712.8713.4514.3215.103913.7114.5714.8415.7416.534015.1415.2716.3217.2318.064115.3416.4217.3718.2319.044217.8218.9119.8920.7821.614320.5421.6522.6323.5624.414423.5224.6125.6426.5727.454526.2427.3528.3829.3330.214631.3332.5233.6234.6535.604734.4835.6636.7737.7938.764837.8639.0440.1341.1542.094941.4642.6343.7244.7345.685047.1948.3849.4950.5251.505153.5354.7455.8756.9457.925260.4861.7162.8563.9464.945368.2569.4770.6471.7372.765476.9878.2279.4180.5081.565583.9685.1986.3387.4388.455691.4192.6293.7694.8195.835798.8199.96101.03102.04103.0158107.01108.09109.13110.08111.0059114.00114.99115.94116.85117.7160118.98119.88120.76121.60122.3661126.96127.80128.61129.37130.0962149.13149.84150.53151.18151.8063183.91184.51185.08185.62186.1564267.87268.37268.85269.30269.7465138.57138.97139.39139.79140.18Age Next BirthdayTerm of Loan (years) 3132333435205.585.755.926.096.25215.946.086.216.356.48226.006.116.236.356.70236.116.236.366.446.77246.226.356.426.506.83256.336.406.486.546.89266.556.666.756.856.95276.836.957.067.177.27287.237.317.407.497.56297.517.647.897.988.07307.717.867.958.148.27318.028.168.258.458.55328.508.678.969.279.71339.079.369.8010.4110.95349.619.8710.7211.5412.313510.7611.5212.3813.1813.943611.9012.7513.6914.5515.393713.9314.8015.7316.5917.413816.1017.0017.9418.8019.623917.5018.4619.3420.1620.954019.0419.9220.7621.5322.264119.9020.6921.4422.1422.824222.4723.2724.0224.7325.404325.2726.0726.8227.5328.204428.3229.1229.8730.5931.254531.0731.8632.6033.3133.964636.4937.3238.0938.8139.504739.6240.4441.2141.9442.624842.9843.7944.5345.2745.944946.5547.3548.1048.8149.485052.3753.1853.9554.6755.355158.8159.6260.4261.1461.845265.8366.6867.4868.2268.925373.6874.5275.3476.0976.825482.4683.3284.1484.9185.655589.3590.2091.0091.7692.475696.7097.5398.3099.0599.7657103.85104.65105.41106.12106.8258111.81112.58113.29114.00114.6559118.45119.17119.83120.50121.1260123.05123.72124.35124.96125.5361130.74131.36131.94132.52133.0662152.35152.88153.38153.88154.3363186.60187.05187.46187.86188.2464270.12270.48270.82271.16271.4665140.53140.85141.16141.49141.81Age Next BirthdayTerm of Loan (years) 3637383940206.426.596.766.937.09216.626.756.897.027.15226.816.917.017.117.52236.876.977.077.487.92246.937.037.447.888.34256.997.407.848.308.77267.367.808.268.739.22277.778.288.719.259.88288.118.789.259.9310.58298.459.279.9510.6511.31308.979.7210.5311.2411.92319.3810.1410.8911.5812.253210.5311.3012.0512.7413.433311.7712.5613.3014.0114.693413.1413.9314.6815.3916.073514.7715.5816.3217.0617.743616.2117.0117.7618.4919.173718.2419.0219.7720.4821.163820.4321.2121.9422.6423.313921.7222.4723.1723.8324.474023.0023.7124.3725.0025.614123.5124.1424.7725.3625.924226.0826.7227.3427.9228.494328.8929.5130.1430.7131.264431.9232.5633.1733.7334.284534.6235.2435.8336.3936.924640.1840.8241.4142.0042.534743.2843.9144.5045.0645.604846.5947.2047.7948.3448.874950.1250.7251.2951.8552.365056.0056.6157.1857.7358.265162.4863.1063.6764.2464.755269.6070.2170.7971.3571.905377.4878.1078.7079.2879.815486.3286.9487.5488.1188.665593.1293.7494.3394.8995.4356100.40100.99101.58102.13102.6557107.42108.01108.55109.10109.6158115.23115.79116.34116.85117.3559121.69122.20122.70123.19123.6860126.05126.55127.01127.46127.9161133.55134.01134.45134.89135.3062154.76155.14155.52155.88156.2463188.58188.91189.21189.50189.8064271.75272.02272.28272.52272.7565142.07142.32142.57142.83143.07Table 4A(For policies entered into or adjusted on or after 1 December 1997 but before 1 March 2001)HOME PROTECTION INSURANCE SINGLE PREMIUM RATE PER $10,000 INITIAL COVER FOR FEMALE SCHEME MEMBER (PROPERTY PURCHASED FROM HUDC)Age Next BirthdayTerm of Loan (years) 12345203.275.998.7011.3914.05213.275.998.7011.3914.05223.275.998.7011.3914.05233.275.998.7011.3914.05243.275.998.7011.3914.05253.275.998.7011.3914.05263.275.998.7011.3914.05273.275.998.7011.3914.05283.275.998.7011.3914.05293.275.998.7011.3914.05303.275.998.7011.3914.13313.275.998.7011.5014.41323.275.998.8411.8515.02333.276.209.3112.6116.09343.476.6910.1013.7117.56353.687.2210.9714.9719.24364.017.9012.0616.5021.29374.388.7013.3418.3523.74384.809.6314.8820.5126.54395.3210.8116.7023.0129.77405.9512.1018.6825.7333.29416.7413.6120.9728.8737.38427.8015.4723.7232.6142.19438.7917.4326.7036.7447.63449.8919.6030.1041.5154.044511.3222.3334.3247.4762.044613.1025.7039.5754.9572.074715.3430.0046.2664.4084.254818.1035.3554.6075.5798.194921.7542.2364.3888.17113.715026.1149.3474.29101.05129.695131.7657.8985.88115.87147.945237.4166.7398.11131.69167.535343.9376.78111.92149.45189.455451.3388.11127.40169.27213.855561.95103.05146.86193.50243.105669.04114.90163.75215.68270.805776.86128.00182.40240.14274.615885.39142.37202.86232.98250.975994.86158.24179.31189.81196.0860105.26105.26105.26105.26105.26•Where the premium payable is less than $1, the minimum premium of $1 is charged.Age Next BirthdayTerm of Loan (years) 6789102016.7019.3121.9024.4627.002116.7019.3121.9024.4627.002216.7019.3121.9024.4627.002316.7019.3121.9024.4627.002416.7019.3121.9024.4627.002516.7019.3121.9024.4627.032616.7019.3121.9024.5127.172716.7019.3121.9524.6627.452816.7019.3722.1224.9727.952916.7719.5622.4925.5528.773017.0020.0023.1326.4529.983117.5020.7424.1827.8231.733218.3721.9325.7329.7834.123319.7823.7227.9532.4937.343421.6726.0830.8035.8741.303523.8428.7834.0639.7445.813626.4531.9837.9044.2451.063729.5135.6942.3349.4557.113833.0239.9547.4055.4164.063937.0244.8053.1862.2372.104041.4350.1859.6669.9981.334146.5456.4567.2879.1792.324252.5963.9376.4390.25105.434359.5472.6787.22103.21120.614467.8583.19100.03118.35138.164578.2295.99115.29136.14158.594690.83111.17133.14156.74182.0447105.69128.81153.62180.19208.6148122.50148.57176.47206.27238.0449141.05170.31201.54234.83270.2750160.32193.02227.90265.00304.4551182.17218.68257.54298.83342.6452205.74246.41289.66335.54371.8453232.03277.30325.33362.33391.6054261.23311.52348.93377.72400.5055295.75333.06360.82382.19399.1156307.32333.22352.47367.31379.0457297.45313.65325.67334.95342.2958262.89271.33277.62282.46286.2959200.23203.16205.36207.05208.3860105.26105.26105.26105.26105.26Age Next BirthdayTerm of Loan (years) 11121314152029.5031.9434.3736.7539.142129.5031.9434.3736.7839.222229.5031.9434.4136.8939.392329.5031.9834.5037.0739.702429.5332.0834.7037.4140.212529.6532.3335.0937.9540.972629.9032.7335.6838.7742.052730.3533.3936.5839.9543.552831.0834.3737.8741.5845.542932.1735.7939.6643.7648.153033.7437.7542.0246.5951.483135.9040.3545.1350.2155.663238.7743.7549.0854.7860.883342.5348.0954.0560.4567.323447.1053.3360.0367.2275.043552.3159.3266.8675.0483.973658.3866.2874.8584.2194.523765.3874.3684.1794.99106.843873.4783.7795.12107.56121.103982.8894.81107.86122.09137.534093.84107.57122.53138.73156.2241106.75122.47139.51157.87177.6542121.96139.87159.18179.94202.2043139.44159.74181.55204.93229.9144159.51182.42206.97233.20261.1645182.67208.45235.98265.31296.5246209.11238.00268.77301.51336.2547238.91271.20305.50341.93372.9548271.87307.83345.98378.19405.6249307.94347.92381.24409.37433.3350346.30380.73409.42433.63454.2651378.07407.20431.49451.97469.4452401.19425.31445.42462.40476.8753415.27434.70450.93464.63476.2954418.93434.07446.69457.35466.4355412.77424.02433.37441.28448.0256388.53396.33402.82408.31412.9857348.22353.10357.17360.60363.5258289.39291.93294.05295.84297.3659209.46210.35211.09211.71212.2460105.26105.26105.26105.26105.26Age Next BirthdayTerm of Loan (years) 16171819202041.5043.9246.3848.8851.482141.6744.1846.7649.4552.232241.9744.6147.3750.2453.262342.4345.2648.2351.3554.642443.1346.1849.4252.8356.442544.1347.4751.0054.7558.732645.5049.1853.0757.2261.632747.3551.4055.7160.3165.222849.7654.2459.0464.1769.682952.8357.8263.1968.9475.153056.7062.2968.3174.8181.893161.5267.8074.6182.0390.163267.4774.5982.3690.87100.193374.8082.9491.87101.64112.273483.5892.94103.18114.34126.443593.80104.57116.26128.96142.6736105.81118.10131.41145.80161.2937119.74133.73148.83165.09182.5438135.80151.64168.72187.03206.6339154.18172.10191.33211.90233.8740175.05195.23216.81239.89264.4441198.85221.51245.71271.47298.8542226.00251.40278.42307.15332.4143256.55284.91315.05341.43364.6344290.92322.51350.03374.14395.3445329.66358.35383.34405.21424.4646366.11391.95414.45434.18451.5147399.63422.71442.81460.41475.9248429.20449.60467.39482.95496.6549453.93471.76487.28500.87512.8450472.00487.34500.71512.41522.7351484.44497.42508.74518.64527.3652489.29500.06509.43517.63524.8553486.31494.99502.54509.15514.9854474.23480.98486.87492.02496.5555453.82458.83463.20467.02470.3856417.01420.49423.52426.17428.5057366.03368.20370.10371.75373.2358298.68299.82300.81301.67302.4359212.70213.10213.44213.75214.0160105.26105.26105.26105.26105.26Age Next BirthdayTerm of Loan (years) 21222324252054.1857.0059.9763.0766.352155.1458.2161.4464.8568.452256.4459.7863.3367.0771.062358.1261.7965.7069.8674.302460.2764.3368.6573.2978.282562.9767.4972.3277.5383.172666.3371.3876.8482.7289.182770.4976.1982.3689.1196.482875.6382.0889.1696.86105.242981.9289.3397.41106.18115.693089.6598.11107.33117.30128.063199.03108.69119.16130.46142.6232110.33121.30133.16145.93159.6233123.79136.22149.62164.00179.4034139.49153.55168.64184.80202.0635157.42173.25190.21208.32227.6236177.92195.71214.72234.98256.5137201.21221.17242.41265.02285.2338227.57249.87273.57294.75313.6839257.28282.15304.28324.04341.7140290.52313.68334.27352.64369.0941323.04344.50363.59380.64395.8842354.75374.56392.18407.90421.9843385.15403.35419.54433.99446.9144414.09430.71445.50458.71470.5245441.48456.57470.00481.97492.7046466.85480.45492.54503.34513.0047489.61501.76512.55522.21530.8248508.76519.49529.05537.56545.2049523.41532.79541.13548.59555.2550531.82539.90547.09553.50559.2351535.06541.89547.97553.41558.2652531.23536.89541.94546.43550.4453520.13524.69528.74532.38535.6254500.57504.11507.27510.09512.6355473.36476.00478.34480.44482.3156430.56432.40434.01435.48436.7757374.50375.65376.67377.58378.3958303.10303.70304.24304.70305.1459214.25214.45214.63214.79214.9560105.26105.26105.26105.26105.26Age Next BirthdayTerm of Loan (years) 26272829302069.8173.4977.3981.6086.112172.2876.3680.7385.4690.602275.3279.8984.8390.2096.062379.0784.2289.8695.98102.612483.6889.5595.96102.91110.422589.3396.03103.32111.17119.672696.19103.82112.07120.97130.5427104.45113.10122.43132.47143.2628114.31124.08134.62145.93158.0329125.96136.99148.86161.57175.1330139.65152.11165.42179.67194.8331155.68169.66184.59200.52217.4432174.31189.98206.68224.45240.5033195.85213.38232.03248.84264.0434220.46240.02257.64273.52287.8735248.16266.61283.22298.20311.7436275.84293.19308.82322.92335.6637303.36319.66334.35347.59359.5338330.66345.92359.67372.06383.2539357.57371.81384.64396.22406.6840383.84397.11409.05419.80429.5441409.55421.84432.91442.90451.9142434.60445.94456.16465.38473.7043458.51468.94478.32486.78494.4444481.11490.63499.21506.94513.9245502.32510.96518.75525.76532.1146521.66529.45536.47542.79548.5147538.57545.52551.78557.44562.5348552.04558.19563.73568.72573.2349561.21566.59571.42575.78579.7350564.37569.00573.16576.92580.3251562.60566.52570.05573.23576.0952554.05557.30560.21562.85565.2353538.53541.14543.49545.61547.5354514.89516.92518.75520.40521.8955483.98485.50486.85488.08489.1956437.93438.99439.93440.77441.5657379.11379.77380.36380.90381.3958305.52305.85306.16306.44306.6859215.08215.20215.30215.39215.4960105.26105.26105.26105.26105.26Table 4B(For policies entered into, adjusted or renewed with policy year commencing on or after 1 July 2021)HOME PROTECTION INSURANCE ANNUAL PREMIUM RATE PER $10,000 INITIAL COVER FOR FEMALE SCHEME MEMBER (LOANS UNDER MARKET INTEREST RATE)Age Next BirthdayTerm of Loan (years) 12345204.148.235.935.214.87214.148.315.935.254.87224.148.316.025.254.87234.148.316.025.254.87244.148.316.025.254.87254.148.316.025.254.87264.148.316.025.254.87274.168.336.045.274.89284.178.346.055.284.90294.188.356.065.294.91304.198.366.075.304.92314.218.386.095.324.94324.238.406.115.344.96334.258.426.135.364.98344.278.446.155.385.00354.298.466.175.405.02364.318.486.195.425.04374.368.536.245.475.09384.408.576.285.755.61394.509.026.926.376.22404.999.967.667.066.91415.5611.058.527.877.72425.9411.949.178.498.45436.3112.809.839.099.29446.6813.6810.489.689.45457.0514.5511.1310.299.62467.4215.4411.7910.8810.68477.5616.5112.4411.4311.20487.8217.8113.2612.1311.88499.3621.5615.8914.6414.345010.0223.6917.4715.9015.545110.8226.0619.1117.3616.965211.9528.9421.1819.2218.765313.2932.1623.5321.3520.835414.8335.8026.2023.7623.165516.5839.8629.1826.4725.805618.5744.3932.5229.5028.755718.9845.2733.2130.1228.845819.3346.1733.8730.7529.295919.7247.0934.5831.4134.736020.0947.9835.2532.0536.506120.9067.2445.7840.2438.786225.8976.9353.2547.1462.536331.3387.4561.3983.4896.736431.3387.45117.81135.17145.576534.7560.9169.6373.9976.60•Where the premium payable is less than $1, the minimum premium of $1 is charged.•The annual premium is payable for 90% (rounded down to the nearest year) of the period of cover, or for such lesser percentage of the period of cover as the Board may, in its discretion, determine, subject to a minimum of one year.Age Next BirthdayTerm of Loan (years) 678910204.644.504.384.304.26214.644.504.384.304.26224.644.504.384.304.26234.644.504.384.304.26244.644.504.384.304.26254.644.504.384.304.26264.644.504.384.304.26274.654.514.394.314.26284.664.524.404.314.27294.674.534.414.324.27304.684.534.424.334.28314.704.544.424.334.28324.714.564.434.344.28334.734.574.444.344.28344.754.584.454.354.28354.774.604.464.364.47364.784.614.684.784.90374.994.965.005.085.19385.475.415.415.475.56396.025.955.915.956.01406.706.576.526.536.56417.457.307.237.217.23428.198.057.987.998.04438.958.688.578.548.56449.148.748.698.708.79459.339.209.179.209.304610.4010.2810.2710.3310.464710.8410.6710.6010.6310.724811.4411.2011.1011.0811.154913.8213.5613.4613.4913.595014.8914.5114.3314.2414.245116.1615.6615.3415.1715.085217.7417.0416.5416.1715.915319.5618.6517.9517.3716.925421.6220.4719.5518.7918.125524.1622.9722.0421.2920.665627.0425.8424.9224.2123.665727.7627.2527.0727.1330.905828.9029.0829.6935.0739.205935.0336.0743.9550.1055.026037.3547.3955.0761.1766.176151.7061.2468.6974.7379.796274.2883.0790.0295.77100.6363107.34113.19118.13122.45126.3464154.61161.66167.47172.46176.866579.0481.4883.9286.3888.81Age Next BirthdayTerm of Loan (years) 1112131415204.644.584.534.524.51214.644.584.534.524.51224.644.584.534.524.51234.644.584.534.524.51244.644.584.534.524.51254.644.584.534.524.51264.644.584.534.524.51274.654.584.544.534.52284.654.594.554.534.53294.664.604.554.544.54304.664.604.564.554.55314.674.614.574.564.68324.714.664.654.764.90334.764.714.784.874.98344.804.904.854.945.05355.015.075.145.255.39365.475.545.635.755.90375.815.875.976.086.24386.236.296.396.536.70396.766.826.947.097.25407.397.477.607.767.96418.168.258.388.558.78428.518.569.429.669.93438.749.9610.1410.3710.664410.0110.1810.4310.7111.054510.5210.6410.8111.3811.754611.7611.8211.9312.0812.274712.1712.2312.3312.4812.644812.7312.7712.8512.9513.074915.4815.4715.5015.5315.585016.3716.4816.5816.8017.045117.4217.6417.8518.2818.735218.5618.9519.3320.0422.225319.8620.4321.0023.7726.075420.8222.5324.2327.4530.325524.6228.0431.5734.5637.155627.8631.2134.6037.5540.125735.1538.6242.0244.9847.625843.5347.1650.5753.5956.285959.8464.0167.6770.9373.846070.6774.5578.0081.0483.836183.9187.5390.7293.5996.2162104.44107.81110.79113.49115.9763128.94131.35133.54135.56137.5264179.93182.70185.22187.54189.706590.1191.4192.7194.0295.33Age Next BirthdayTerm of Loan (years) 1617181920204.514.504.494.484.47214.514.504.494.484.47224.514.504.494.484.47234.514.504.494.484.47244.514.504.494.484.47254.514.504.494.484.47264.514.504.494.484.50274.544.544.544.574.51284.574.574.614.624.53294.604.644.664.694.58304.664.684.714.774.65314.694.724.774.844.92324.944.995.065.165.25335.035.105.195.305.43345.145.225.345.475.62355.485.595.735.866.04366.006.116.256.416.56376.356.476.626.786.95386.816.947.087.257.42397.397.517.667.817.98408.118.278.448.648.84418.979.179.389.609.844210.1210.3210.5410.7711.024311.1011.2912.1312.7113.024411.2212.0312.5912.8813.204512.2212.5213.4413.0813.434612.4812.7313.7013.3413.674713.0213.4513.9614.4815.644813.6514.2514.9916.4317.714916.3517.1319.1120.8922.475018.1020.2122.2124.0025.625121.2323.4125.4927.3329.035224.7126.9228.9830.8632.565328.5630.8032.8634.7336.445432.8435.0837.1539.0340.785539.7042.0044.1046.0447.805642.5344.7046.6848.5150.225749.9952.1754.1555.9957.705858.6360.7862.7764.5866.295976.3178.5680.6282.5284.316086.1688.3090.2792.1293.836198.41100.42102.30104.05105.7062117.97119.82121.55123.15124.6763138.84140.10141.32142.43143.5464191.26192.74194.10195.41196.636596.0496.7597.4698.1998.90Age Next BirthdayTerm of Loan (years) 2122232425204.524.564.614.654.69214.524.564.614.654.72224.524.564.614.684.78234.524.564.644.724.85244.524.594.674.784.93254.554.614.724.855.01264.614.724.854.975.09274.734.864.995.115.19284.874.995.125.275.29295.005.125.285.425.42305.125.305.475.665.54315.265.375.535.685.85325.415.605.866.006.13335.666.036.136.266.39345.996.106.226.366.50356.456.606.736.907.05367.037.187.327.497.67377.427.577.727.878.03387.918.058.208.338.48398.498.628.748.868.98409.419.569.769.9410.134110.4910.6410.9211.1911.484211.8012.0512.4612.8913.624313.4813.9914.5114.8815.904413.7514.3114.7315.7816.734514.0314.4915.5916.5817.474614.8615.8917.0017.9918.894716.8817.9619.0820.1021.024819.0020.1621.3022.3523.314923.9925.3626.6227.7928.865027.1128.4729.7430.9231.995130.5131.8833.1334.2935.385234.0435.3936.6637.8238.925337.9239.2840.5341.7142.805442.2343.5944.8346.0247.125549.2950.6851.9653.1654.315651.6452.9554.1855.3556.435759.1360.4661.7062.8863.995867.7069.0470.3071.4672.605985.8087.2088.5189.7590.956095.2596.6297.8999.09100.2561107.08108.37109.61110.79111.9062125.38126.10126.77127.44128.0563144.31145.06145.78146.48147.1364197.56198.42199.26200.06200.826599.59100.27100.95101.62102.27Age Next BirthdayTerm of Loan (years) 2627282930204.684.774.905.045.09214.814.945.085.085.14224.874.995.125.125.18234.945.055.165.175.22245.015.105.205.215.27255.085.175.215.265.31265.165.215.275.305.35275.235.305.325.335.36285.365.385.385.425.47295.445.445.485.535.58305.585.625.675.735.79315.895.925.986.046.10326.166.216.266.306.35336.426.456.506.526.56346.546.606.636.686.74357.137.227.357.457.56367.807.948.128.328.51378.789.609.8610.1210.34389.349.669.9810.2410.813910.029.7310.5711.3612.094010.7011.5512.4213.2413.984112.5113.4414.3815.2516.074214.6715.6616.5717.4818.344316.9617.9018.8919.8220.674417.6918.6719.5920.4421.244518.4619.3620.2121.0121.754619.8420.7021.5022.2622.974721.9422.8123.6124.3725.064824.2225.0825.8726.6227.324929.8530.7631.6132.4233.165032.9633.8634.7135.5036.265136.3337.2438.0838.8739.605239.8840.7741.6142.3943.145343.7644.6545.4946.2947.045448.0748.9649.7950.6051.345555.2756.1857.0557.8558.645657.3558.2259.0559.8360.585764.9165.8066.6267.4368.205873.5474.4275.2776.0876.865991.9392.8893.7694.6195.4460101.20102.12103.00103.84104.6361112.84113.71114.56115.38116.1862128.52128.95129.37129.79130.1963147.63148.08148.55149.00149.4264201.41201.96202.50203.02203.5265102.77103.26103.76104.23104.72Age Next BirthdayTerm of Loan (years) 3132333435205.175.245.295.385.39215.205.265.325.405.41225.235.295.345.425.44235.275.315.365.455.47245.305.345.385.475.49255.335.365.405.495.52265.365.395.435.515.55275.395.405.455.555.61285.525.575.685.745.84295.655.775.855.956.03305.885.966.076.146.23316.286.296.376.446.50326.446.576.706.757.25336.746.956.977.518.02346.956.997.538.058.53358.008.388.879.329.73369.009.429.9210.4010.823710.9411.5412.0912.6513.153811.4211.9812.5613.0713.563912.7713.4314.0214.5915.114014.6915.3615.9816.5717.114116.7917.4718.1218.7319.304219.0819.7920.4321.0421.614321.4222.1122.7823.3823.964421.9322.6023.2223.8024.354522.4223.0423.6324.1724.694623.6124.2024.7725.3125.814725.7126.3126.8727.3927.894827.9528.5429.1129.6330.134933.8334.4735.0835.6536.175036.9237.5538.1538.7039.255140.2740.8841.4842.0442.575243.8144.4345.0245.5946.115347.6948.3148.9149.4650.005451.9952.6153.2153.7754.315559.3159.9360.5461.1161.675661.2161.8362.4162.9663.495768.8569.4670.0570.6271.165877.5178.1378.7279.3179.855996.1396.8097.4398.0398.6360105.31105.95106.58107.18107.7661116.84117.46118.07118.65119.2162130.49130.79131.06131.32131.5963149.75150.06150.36150.65150.9464203.92204.30204.65205.00205.3565105.08105.44105.80106.15106.50Age Next BirthdayTerm of Loan (years) 3637383940205.515.615.635.686.60215.726.026.246.496.77225.766.066.316.586.87235.806.116.386.666.98245.846.166.446.747.08255.886.216.516.827.19265.926.266.586.907.29275.976.296.636.957.32286.236.617.007.397.78296.496.937.397.858.26306.787.317.838.328.78317.127.718.278.799.31327.858.438.969.4810.26338.609.149.6710.1410.62349.069.5810.0410.5110.943510.2710.7611.2411.6812.113611.3211.8112.2612.6913.103713.6714.1814.6815.1315.563814.0814.5815.0415.4715.863915.6316.1116.5817.0117.424017.6418.1318.5919.0319.454119.8420.3420.8121.2521.694222.1522.6623.1323.5826.034324.4924.9925.4625.9026.324424.8525.3225.7826.2026.594525.1725.6326.0626.4626.864626.2726.7027.1227.5127.894728.3628.7929.2029.5929.964830.6031.0231.4231.8132.184936.6737.1237.5737.9838.385039.7340.1840.6141.0441.435143.0543.4943.9344.3444.735246.5947.0447.4847.8848.285350.4650.9451.3651.7752.175454.7755.2255.6556.0656.465562.1462.6163.0463.4663.865663.9464.3864.8165.2065.605771.6472.0772.5172.9273.325880.3380.7981.2281.6482.035999.1399.59100.06100.50100.9360108.25108.71109.16109.59110.0261119.68120.14120.60121.02121.4462131.79131.98132.20132.36132.5563151.16151.37151.58151.77151.9764205.61205.86206.13206.36206.6065106.77107.04107.31107.56107.82

Schedule 3

THIRD SCHEDULERegulations 2(1) and 17(5) and (9)Table 1(For policies entered into or adjusted before 1 March 2001)HOME PROTECTION INSURANCE AMOUNT PAYABLE FOR INITIAL COVER OF $10,000 FOR SCHEME MEMBER WHO HAS PURCHASED PROPERTY FROM HDB, JTC OR MINDEFTerm of Loan (years)Policy Year 123456110,000 210,0005,152 310,0006,8673,537 410,0007,7235,3032,732 510,0008,2356,3594,3672,250 610,0008,5757,0625,4533,7451,929710,0008,8187,5616,2274,8093,302810,0008,9997,9356,8045,6034,327910,0009,1398,2247,2516,2185,1211010,0009,2508,4547,6076,7085,7521110,0009,3418,6407,8967,1066,2651210,0009,4168,7958,1367,4356,6911310,0009,4798,9258,3377,7127,0481410,0009,5329,0368,5087,9477,3511510,0009,5799,1318,6558,1497,6121610,0009,6189,2138,7828,3257,8381710,0009,6539,2858,8948,4788,0361810,0009,6849,3488,9928,6138,2101910,0009,7119,4049,0788,7328,3642010,0009,7359,4549,1558,8388,5012110,0009,7579,4999,2248,9338,6232210,0009,7769,5399,2869,0188,7332310,0009,7949,5759,3429,0958,8322410,0009,8109,6089,3939,1648,9222510,0009,8249,6379,4389,2279,0032610,0009,8379,6649,4809,2859,0772710,0009,8499,6899,5189,3379,1452810,0009,8609,7119,5539,3859,2062910,0009,8709,7329,5859,4289,2633010,0009,8799,7509,6149,4699,314Term of Loan (years)Policy Year 7891011121 2 3 4 5 6 71,701 82,9711,531 93,9542,7151,399 104,7373,6582,5121,294 115,3734,4253,4172,3461,209 125,8995,0594,1663,2172,2091,138136,3425,5924,7953,9493,0502,094146,7186,0455,3314,5713,7642,907157,0416,4355,7905,1064,3783,606167,3226,7736,1895,5704,9114,211177,5677,0686,5385,9755,3764,741187,7827,3276,8446,3315,7865,207197,9737,5577,1166,6476,1485,619208,1437,7627,3576,9286,4715,986218,2947,9457,5737,1796,7596,314228,4308,1097,7677,4047,0186,608238,5538,2577,9427,6077,2516,873248,6648,3918,1007,7917,4627,113258,7658,5128,2437,9577,6537,331268,8578,6228,3738,1097,8277,529278,9408,7238,4928,2477,9867,709289,0168,8158,6018,3738,1317,874299,0868,8998,7008,4898,2648,025309,1508,9768,7918,5958,3868,164Term of Loan (years)Policy Year 1314151617181 2 3 4 5 6 7 8 9 10 11 12 131,079 141,9961,028 152,7841,912985 163,4682,6781,839947 174,0653,3482,5851,775915 184,5913,9373,2422,5041,719886195,0564,4583,8233,1482,4311,670205,4704,9224,3403,7223,0652,367215,8405,3374,8034,2353,6322,991226,1725,7105,2184,6954,1403,550236,4726,0455,5925,1104,5994,055246,7436,3495,9305,4865,0134,511256,9886,6246,2375,8265,3894,925267,2116,8746,5166,1355,7315,301277,4157,1036,7706,4186,0435,644287,6017,3117,0036,6766,3285,958297,7727,5027,2166,9126,5896,245307,9287,6787,4127,1296,8286,509Term of Loan (years)Policy Year 1920212223241 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19860 201,625837 212,3101,586817 222,9242,2581,550799 233,4772,8632,2111,518782 243,9783,4112,8092,1691,490767254,4323,9083,3512,7602,1311,463264,8454,3603,8443,2962,7152,096275,2214,7724,2943,7863,2472,674285,5655,1484,7054,2343,7333,201295,8815,4935,0814,6434,1783,684306,1705,8095,4265,0204,5874,128Term of Loan (years)Policy Year 2526272829301 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25754 261,439742 272,0651,418730 282,6362,0361,398720 293,1602,6022,0091,380711 303,6403,1212,5701,9851,363702Table 2(For policies entered into or adjusted on or after 1 November 1981 but before 1 July 1986)HOME PROTECTION INSURANCE AMOUNT PAYABLE FOR INITIAL COVER OF $10,000 FOR SCHEME MEMBER WHO HAS PURCHASED PROPERTY FROM HUDCTerm of Loan (years)Policy Year 123456110,000 210,0005,261 310,0007,0083,687 410,0007,8775,5202,904 510,0008,3946,6124,6342,438 610,0008,7367,3335,7764,0482,130710,0008,9787,8436,5845,1863,634810,0009,1578,2217,1826,0294,749910,0009,2948,5107,6406,6755,6031010,0009,4028,7388,0017,1846,2761110,0009,4898,9218,2917,5926,8161210,0009,5609,0718,5297,9267,2581310,0009,6189,1958,7258,2037,6241410,0009,6689,2998,8898,4357,9311510,0009,7099,3879,0298,6318,1901610,0009,7459,4629,1478,7988,4111710,0009,7759,5269,2498,9428,6011810,0009,8029,5819,3379,0658,7641910,0009,8249,6299,4139,1738,9062010,0009,8449,6719,4799,2669,0302110,0009,8629,7089,5389,3489,1382210,0009,8779,7409,5889,4209,2332310,0009,8909,7699,6339,4839,3172410,0009,9029,7939,6739,5399,3902510,0009,9139,8169,7089,5889,4562610,0009,9229,8359,7399,6329,5132710,0009,9309,8539,7669,6719,5652810,0009,9379,8689,7919,7059,6102910,0009,9449,8829,8139,7369,6513010,0009,9509,8949,8329,7639,687Term of Loan (years)Policy Year 7891011121 2 3 4 5 6 71,912 83,3281,751 94,4133,0931,627 105,2684,1492,9081,530 115,9554,9993,9372,7591,452 126,5165,6934,7793,7642,6381,388136,9816,2685,4764,5963,6202,537147,3716,7496,0595,2944,4443,500157,7007,1566,5535,8835,1404,314167,9817,5046,9746,3865,7335,009178,2227,8027,3356,8176,2425,604188,4308,0597,6477,1896,6826,118198,6108,2827,9177,5127,0636,565208,7688,4768,1537,7947,3956,953218,9058,6468,3598,0407,6867,293229,0268,7958,5408,2567,9417,591239,1328,9278,6998,4468,1657,854249,2269,0438,8398,6148,3638,086259,3089,1458,9638,7628,5388,290269,3829,2369,0738,8938,6948,472279,4479,3169,1719,0108,8318,633289,5059,3889,2589,1148,9548,776299,5569,4529,3359,2069,0638,904309,6029,5089,4049,2889,1609,017Term of Loan (years)Policy Year 1314151617181 2 3 4 5 6 7 8 9 10 11 12 131,335 142,4531,290 153,3982,3821,253 164,2043,3122,3211,221 174,8964,1103,2372,2691,193 185,4934,7994,0283,1732,2241,170196,0115,3974,7153,9583,1172,185206,4625,9175,3134,6413,8963,069216,8576,3735,8365,2394,5773,842227,2036,7736,2945,7645,1754,521237,5087,1246,6986,2255,7005,118247,7777,4357,0556,6336,1645,645258,0157,7097,3706,9936,5756,111268,2267,9527,6497,3126,9386,523278,4138,1687,8977,5957,2616,890288,5798,3608,1177,8477,5487,216298,7278,5318,3138,0717,8037,506308,8598,6838,4888,2718,0317,764Term of Loan (years)Policy Year 1920212223241 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 191,149 202,1511,131 213,0262,1211,116 223,7952,9892,0951,102 234,4713,7532,9562,0721,090 245,0684,4273,7162,9272,0511,079255,5955,0234,3893,6842,9022,033266,0635,5524,9844,3543,6552,879276,4786,0205,5134,9494,3243,630286,8476,4375,9835,4784,9184,297297,1756,8086,4015,9495,4484,891307,4687,1396,7746,3695,9195,420Term of Loan (years)Policy Year 2526272829301 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 251,070 262,0181,061 272,8592,0031,054 283,6072,8411,9911,047 294,2733,5872,8251,9801,041 304,8664,2513,5692,8111,9701,036Table 2A(For policies entered into or adjusted on or after 1 July 1986 but before 1 March 2001)HOME PROTECTION INSURANCE AMOUNT PAYABLE FOR INITIAL COVER OF $10,000 FOR SCHEME MEMBER WHO HAS PURCHASED PROPERTY FROM HUDCTerm of Loan (years)Policy Year 123456110,000 210,0005,215 310,0006,9493,624 410,0007,8135,4302,832 510,0008,3296,5084,5232,359 610,0008,6717,2225,6433,9212,045710,0008,9137,7286,4375,0293,495810,0009,0938,1057,0285,8534,573910,0009,2328,3957,4826,4885,4041010,0009,3428,6247,8426,9906,0611110,0009,4318,8108,1337,3966,5921210,0009,5038,9628,3727,7297,0291310,0009,5649,0898,5728,0087,3931410,0009,6169,1978,7408,2427,7001510,0009,6599,2888,8848,4427,9621610,0009,6979,3679,0078,6148,1871710,0009,7309,4359,1138,7638,3811810,0009,7589,4949,2068,8938,5511910,0009,7839,5469,2889,0068,6992010,0009,8059,5919,3599,1068,8302110,0009,8249,6329,4239,1948,9462210,0009,8419,6689,4799,2739,0482310,0009,8569,6999,5299,3429,1392410,0009,8709,7289,5739,4049,2212510,0009,8829,7539,6139,4609,2932610,0009,8939,7769,6499,5109,3592710,0009,9039,7979,6819,5559,4172810,0009,9119,8159,7109,5959,4702910,0009,9199,8329,7369,6329,5183010,0009,9279,8479,7609,6659,561Term of Loan (years)Policy Year 7891011121 2 3 4 5 6 71,823 83,1781,658 94,2222,9341,530 105,0483,9442,7411,430 115,7164,7613,7202,5851,348 126,2655,4324,5243,5352,4571,281136,7225,9925,1954,3273,3812,350147,1096,4645,7614,9964,1613,251157,4386,8666,2445,5654,8254,019167,7207,2126,6586,0555,3974,679177,9657,5127,0176,4785,8915,251188,1787,7727,3306,8476,3215,748198,3658,0017,6037,1706,6996,184208,5298,2027,8447,4557,0306,568218,6758,3798,0577,7067,3246,906228,8038,5378,2467,9297,5847,207238,9188,6778,4148,1277,8157,475249,0208,8028,5648,3048,0217,713259,1128,9148,6988,4638,2067,927269,1949,0148,8188,6058,3728,118279,2689,1048,9268,7328,5218,291289,3349,1869,0248,8478,6558,446299,3949,2599,1128,9518,7768,585309,4489,3259,1919,0458,8858,712Term of Loan (years)Policy Year 1314151617181 2 3 4 5 6 7 8 9 10 11 12 131,225 142,2591,178 153,1402,1821,138 163,8973,0452,1161,104 174,5533,7922,9632,0591,074 185,1234,4423,7002,8912,0091,048195,6235,0124,3463,6202,8281,965206,0635,5134,9144,2613,5492,773216,4525,9565,4164,8284,1863,486226,7976,3495,8625,3304,7514,119237,1036,6996,2585,7775,2534,682247,3777,0116,6126,1765,7025,185257,6227,2906,9286,5346,1045,635267,8427,5407,2126,8546,4646,038278,0397,7667,4677,1426,7876,401288,2177,9687,6977,4017,0796,727298,3788,1517,9047,6357,3417,022308,5228,3168,0917,8467,5797,287Term of Loan (years)Policy Year 1920212223241 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 191,025 201,9271,005 212,7241,893987 223,4312,6811,863972 234,0603,3822,6421,836958 244,6224,0073,3382,6081,812945255,1244,5673,9603,2982,5771,791265,5745,0694,5183,9173,2632,549275,9795,5205,0204,4743,8793,231286,3445,9265,4714,9754,4343,845296,6736,2935,8795,4274,9354,399306,9706,6246,2475,8365,3874,899Term of Loan (years)Policy Year 2526272829301 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25934 261,772924 272,5251,754915 283,2032,5021,739907 293,8143,1772,4821,725900 304,3663,7863,1532,4641,712893Table 3(For policies entered into or adjusted on or after 1 January 2003 other than policies to which Table 5 apply)HOME PROTECTION INSURANCE AMOUNT PAYABLE FOR INITIAL COVER OF $10,000 FOR SCHEME MEMBER WHO HAS TAKEN UP A LOAN UNDER CONCESSIONARY INTEREST RATETerm of Loan (years)Policy Year 12345110,000 210,0005,121 310,0006,8273,497 410,0007,6795,2432,685 510,0008,1906,2904,2942,199610,0008,5296,9865,3653,663710,0008,7717,4826,1284,706810,0008,9527,8536,6985,486910,0009,0938,1407,1406,0911010,0009,2048,3707,4936,5731110,0009,2968,5577,7806,9661210,0009,3718,7128,0197,2921310,0009,4358,8428,2207,5661410,0009,4898,9548,3917,8001510,0009,5369,0498,5398,0021610,0009,5779,1338,6678,1781710,0009,6139,2068,7808,3321810,0009,6449,2718,8798,4671910,0009,6729,3288,9678,5882010,0009,6979,3809,0468,6962110,0009,7209,4269,1178,7932210,0009,7409,4679,1818,8802310,0009,7589,5059,2398,9592410,0009,7759,5399,2919,0312510,0009,7909,5709,3399,0962610,0009,8049,5989,3839,1562710,0009,8179,6259,4239,2112810,0009,8289,6489,4609,2612910,0009,8399,6719,4949,3083010,0009,8499,6919,5259,3513110,0009,8589,7109,5549,3903210,0009,8679,7279,5819,4273310,0009,8759,7439,6069,4613410,0009,8829,7599,6299,4933510,0009,8899,7739,6509,5223610,0009,8959,7869,6719,5503710,0009,9019,7989,6899,5753810,0009,9079,8099,7079,5993910,0009,9129,8209,7239,6224010,0009,9179,8309,7399,643Term of Loan (years)Policy Year 6789101 2 3 4 5 61,876 73,2131,645 84,2132,8761,473 94,9883,8312,6161,339 105,6064,5923,5262,4081,233116,1105,2124,2683,2782,238126,5285,7264,8844,0003,072136,8806,1595,4034,6083,774147,1806,5295,8455,1274,373157,4396,8476,2265,5744,890167,6647,1246,5585,9635,339177,8617,3676,8496,3045,732188,0357,5827,1056,6056,080198,1907,7727,3336,8736,389208,3287,9427,5377,1126,665218,4538,0957,7207,3266,912228,5648,2337,8857,5207,136238,6668,3588,0347,6957,338248,7588,4718,1707,8547,522258,8428,5748,2947,9997,689268,9188,6698,4078,1317,842278,9898,7558,5108,2537,983289,0538,8358,6058,3648,111299,1138,9088,6938,4678,230309,1688,9768,7748,5628,340319,2199,0388,8498,6508,441329,2669,0968,9188,7318,535339,3099,1508,9838,8078,622349,3509,2009,0428,8778,703359,3889,2469,0988,9428,779369,4239,2909,1509,0038,849379,4569,3309,1989,0608,915389,4869,3689,2449,1138,976399,5159,4039,2869,1639,033409,5429,4369,3259,2099,087Term of Loan (years)Policy Year 11121314151 2 3 4 5 6 7 8 9 10 111,146 122,0971,074 132,8991,9791,013 143,5822,7511,878962 154,1713,4162,6231,791917164,6833,9943,2712,5121,715175,1324,5023,8403,1452,415185,5294,9504,3423,7033,033195,8815,3474,7874,1993,582206,1965,7035,1864,6434,072216,4786,0225,5435,0414,513226,7336,3105,8665,3994,910236,9646,5706,1585,7245,269247,1736,8076,4236,0195,596257,3647,0236,6646,2885,893267,5397,2206,8856,5346,165277,6997,4017,0886,7596,415287,8467,5677,2746,9676,644297,9817,7207,4467,1576,855308,1067,8617,6047,3337,050318,2227,9927,7507,4967,230328,3298,1137,8867,6477,397338,4298,2258,0117,7877,552348,5218,3298,1287,9177,696358,6078,4278,2378,0387,830368,6878,5178,3398,1517,954378,7628,6028,4338,2578,071388,8328,6818,5228,3558,180398,8978,7548,6048,4478,282408,9588,8238,6828,5338,377Term of Loan (years)Policy Year 16171819201 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16878 171,649844 182,3291,590814 192,9342,2531,538788 203,4742,8452,1851,492764213,9583,3762,7652,1241,450224,3953,8563,2892,6932,068234,7914,2893,7623,2092,628245,1514,6834,1933,6783,137255,4785,0434,5854,1053,601265,7785,3714,9444,4964,025276,0525,6725,2734,8544,413286,3055,9495,5755,1834,770296,5376,2045,8535,4865,099306,7526,4396,1105,7655,403316,9506,6566,3486,0245,684327,1346,8586,5686,2635,944337,3047,0456,7726,4866,185347,4637,2186,9626,6926,410357,6107,3807,1396,8856,618367,7487,5317,3037,0646,813377,8767,6727,4577,2316,995387,9967,8037,6007,3887,164398,1087,9267,7357,5347,323408,2138,0417,8607,6717,471Term of Loan (years)Policy Year 21222324251 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21742 221,412723 232,0181,378706 242,5691,9731,347690 253,0712,5151,9321,319675263,5303,0112,4661,8941,293273,9513,4662,9562,4211,859284,3383,8833,4062,9062,380294,6944,2683,8213,3522,859305,0234,6234,2043,7643,301315,3274,9524,5584,1443,710325,6085,2564,8864,4974,089335,8705,5385,1904,8254,441346,1125,8015,4735,1294,768356,3396,0455,7365,4125,072366,5496,2725,9825,6765,356376,7466,4856,2115,9235,621386,9306,6836,4256,1535,868397,1016,8696,6256,3686,099407,2627,0436,8126,5706,316Term of Loan (years)Policy Year 26272829301 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26662 271,269650 281,8271,248639 292,3411,7981,228629 302,8162,3061,7711,209619313,2552,7762,2741,7461,192323,6613,2112,7392,2431,723334,0383,6153,1712,7052,215344,3893,9913,5733,1342,673354,7154,3403,9473,5333,099365,0194,6664,2953,9063,496375,3034,9704,6204,2533,867385,5685,2544,9244,5774,213395,8165,5205,2084,8814,537406,0495,7685,4745,1654,840Term of Loan (years)Policy Year 31323334351 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31610 321,176602 331,7011,161595 342,1891,6811,148588 352,6442,1651,6631,135581363,0672,6162,1421,6451,123373,4623,0372,5902,1211,629383,8313,4303,0092,5662,102394,1763,7983,4002,9822,544404,5004,1423,7663,3722,958Term of Loan (years)Policy Year 36373839401 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36575 371,112569 381,6141,102564 392,0831,6001,092559 402,5232,0661,5871,083555Table 4(For policies entered into or adjusted on or after 1 January 2003 other than policies to which Table 6 apply)HOME PROTECTION INSURANCE AMOUNT PAYABLE FOR INITIAL COVER OF $10,000 FOR SCHEME MEMBER WHO HAS TAKEN UP A LOAN UNDER MARKET INTEREST RATETerm of Loan (years)Policy Year 12345110,000 210,0005,180 310,0006,9043,577 410,0007,7645,3602,777 510,0008,2786,4274,4382,299610,0008,6197,1355,5403,825710,0008,8617,6386,3234,909810,0009,0428,0136,9075,718910,0009,1828,3037,3586,3421010,0009,2938,5337,7166,8381110,0009,3838,7198,0067,2401210,0009,4578,8738,2467,5721310,0009,5199,0028,4477,8501410,0009,5729,1118,6178,0851510,0009,6179,2058,7638,2871610,0009,6569,2868,8888,4611710,0009,6899,3568,9988,6131810,0009,7199,4189,0948,7461910,0009,7459,4729,1798,8632010,0009,7699,5209,2538,9672110,0009,7899,5639,3209,0592210,0009,8089,6019,3809,1412310,0009,8249,6369,4339,2152410,0009,8399,6669,4819,2822510,0009,8529,6949,5249,3422610,0009,8659,7199,5639,3962710,0009,8759,7429,5999,4452810,0009,8859,7639,6319,4892910,0009,8959,7829,6609,5303010,0009,9039,7999,6879,5673110,0009,9109,8149,7119,6013210,0009,9179,8299,7349,6323310,0009,9249,8429,7549,6603410,0009,9299,8549,7739,6863510,0009,9359,8659,7909,7103610,0009,9409,8759,8069,7313710,0009,9449,8849,8209,7513810,0009,9489,8939,8349,7703910,0009,9529,9019,8469,7874010,0009,9559,9089,8579,803Term of Loan (years)Policy Year 6789101 2 3 4 5 61,981 73,3901,756 84,4393,0651,588 95,2504,0762,8141,458 105,8944,8793,7882,6151,355116,4165,5304,5783,5542,454126,8476,0685,2304,3293,361137,2086,5185,7764,9794,121147,5146,8996,2395,5294,765157,7767,2266,6356,0005,317168,0027,5086,9776,4075,794178,1997,7547,2756,7616,208188,3717,9697,5377,0716,572198,5248,1597,7677,3456,892208,6588,3277,9707,5877,175218,7788,4768,1527,8037,428228,8858,6108,3137,9957,653238,9818,7298,4598,1687,855249,0678,8378,5898,3238,037259,1458,9348,7078,4638,200269,2159,0228,8138,5898,349279,2799,1018,9108,7048,483289,3379,1738,9978,8088,605299,3909,2399,0778,9038,716309,4389,2999,1508,9898,817319,4829,3549,2169,0688,909329,5229,4049,2779,1408,993339,5589,4499,3329,2069,071349,5929,4919,3839,2679,142359,6239,5309,4309,3229,207369,6519,5659,4739,3739,266379,6779,5989,5129,4209,321389,7019,6289,5499,4639,372399,7249,6559,5829,5039,418409,7449,6819,6139,5409,461Term of Loan (years)Policy Year 11121314151 2 3 4 5 6 7 8 9 10 111,271 122,3211,202 133,2002,2091,144 143,9453,0632,1151,095 154,5833,7942,9462,0341,053165,1344,4253,6632,8441,964175,6144,9754,2883,5502,756186,0345,4574,8364,1683,450196,4055,8815,3184,7134,062206,7336,2575,7455,1954,604217,0246,5916,1255,6245,086227,2856,8906,4656,0085,516237,5197,1576,7696,3515,902247,7297,3987,0426,6606,249257,9187,6157,2896,9396,562268,0907,8117,5127,1916,845278,2457,9897,7157,4197,102288,3868,1517,8987,6277,335298,5148,2988,0657,8157,547308,6318,4328,2187,9877,740318,7388,5548,3578,1447,916328,8368,6668,4848,2888,077338,9258,7698,6008,4208,225349,0078,8638,7078,5408,360359,0828,9498,8058,6518,485369,1519,0288,8958,7528,599379,2159,1018,9788,8468,704389,2739,1689,0548,9328,800399,3279,2299,1249,0118,889409,3779,2869,1899,0848,971Term of Loan (years)Policy Year 16171819201 2 3 4 5 6 7 8 9 10 11 12 13 14 15 161,017 171,903986 182,6791,849958 193,3632,6111,802934 203,9683,2852,5501,761912214,5073,8853,2162,4971,724224,9884,4203,8103,1542,449235,4204,9014,3433,7433,099245,8075,3334,8224,2733,683256,1575,7225,2544,7514,210266,4746,0745,6455,1834,687276,7606,3935,9995,5755,119287,0216,6836,3205,9305,511297,2586,9476,6136,2545,868307,4747,1876,8806,5496,194317,6717,4077,1236,8186,491327,8517,6087,3467,0656,762338,0167,7917,5507,2907,011348,1677,9607,7377,4977,239358,3068,1147,9087,6877,448368,4348,2568,0667,8617,640378,5518,3878,2118,0217,817388,6598,5078,3448,1697,980398,7598,6188,4678,3048,130408,8508,7208,5808,4308,268Term of Loan (years)Policy Year 21222324251 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21893 221,691876 232,4061,661860 243,0492,3671,634846 253,6293,0042,3321,610834264,1543,5802,9642,3011,589274,6294,1023,5362,9272,272285,0614,5764,0553,4952,893295,4535,0074,5284,0133,459305,8115,4014,9594,4843,974316,1385,7605,3524,9154,444326,4376,0885,7125,3084,874336,7116,3886,0425,6695,268346,9626,6646,3445,9995,629357,1926,9176,6216,3025,960367,4047,1496,8756,5816,265377,5987,3637,1096,8376,544387,7777,5597,3257,0736,802397,9427,7407,5237,2907,039408,0947,9077,7067,4907,258Term of Loan (years)Policy Year 26272829301 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26823 271,569813 282,2461,551803 292,8632,2231,535795 303,4252,8352,2011,520787313,9383,3952,8102,1821,506324,4083,9063,3672,7872,164334,8374,3743,8763,3412,766345,2314,8034,3433,8493,318355,5935,1974,7724,3153,824365,9255,5595,1664,7444,289376,2305,8925,5285,1374,717386,5116,1985,8615,5005,111396,7706,4806,1685,8345,474407,0086,7406,4516,1415,808Term of Loan (years)Policy Year 31323334351 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31780 321,494774 332,1471,483768 342,7462,1321,472762 353,2962,7292,1181,463757363,8013,2762,7122,1061,454374,2663,7803,2582,6972,094384,6934,2443,7613,2422,683395,0874,6714,2243,7433,226405,4505,0644,6504,2053,726Term of Loan (years)Policy Year 36373839401 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36753 371,446749 382,0831,438745 392,6712,0731,431741 403,2122,6592,0641,425738Table 5(For policies entered into, adjusted or renewed with policy year commencing on or after 1 July 2006)HOME PROTECTION INSURANCE AMOUNT PAYABLE FOR INITIAL COVER OF $10,000 FOR SCHEME MEMBER WHO HAS TAKEN UP A LOAN UNDER CONCESSIONARY INTEREST RATEFor policy years from 1 July 2006, the sum assured payable will be pro‑rated in accordance with the formula A – [(B × C) /12], where —

(a)

A is the sum assured payable at the commencement/renewal date immediately prior to the death or incapacity;

(b)

B is the number of months which have lapsed between the commencement/renewal date immediately prior to the death or incapacity and the date of death or incapacity; and

(c)

C is the difference in the sum assured between the commencement/renewal date immediately prior to the death or incapacity and the renewal date falling immediately after the death or incapacity.Term of Loan (years)Policy Year 12345110,000 210,0005,074 310,0006,7653,432 410,0007,6105,1482,612 510,0008,1166,1764,1782,120610,0008,4546,8625,2223,532710,0008,6957,3515,9664,540810,0008,8757,7176,5245,295910,0009,0168,0026,9585,8821010,0009,1288,2297,3046,3511110,0009,2198,4157,5876,7341210,0009,2958,5707,8227,0521310,0009,3608,7008,0217,3211410,0009,4158,8128,1917,5511510,0009,4628,9098,3387,7511610,0009,5048,9938,4677,9241710,0009,5409,0678,5808,0781810,0009,5739,1338,6808,2131910,0009,6029,1928,7698,3342010,0009,6289,2458,8508,4432110,0009,6519,2928,9228,5412210,0009,6739,3358,9888,6302310,0009,6929,3749,0488,7112410,0009,7109,4109,1028,7852510,0009,7269,4439,1528,8532610,0009,7419,4739,1988,9152710,0009,7549,5019,2418,9722810,0009,7679,5279,2809,0252910,0009,7799,5519,3169,0753010,0009,7909,5739,3509,1213110,0009,8009,5949,3829,1633210,0009,8109,6139,4119,2033310,0009,8189,6319,4399,2403410,0009,8279,6489,4659,2753510,0009,8359,6649,4899,3083610,0009,8429,6799,5129,3393710,0009,8499,6939,5339,3683810,0009,8559,7069,5539,3953910,0009,8629,7199,5729,4214010,0009,8679,7319,5909,445Term of Loan (years)Policy Year 6789101 2 3 4 5 61,792 73,0711,558 84,0302,7261,383 94,7743,6332,4581,247 105,3694,3583,3162,2431,138115,8554,9504,0173,0572,068126,2595,4424,6013,7342,842136,6015,8585,0944,3063,495146,8936,2145,5154,7964,054157,1456,5225,8805,2194,538167,3666,7916,1995,5884,960177,5607,0286,4795,9145,332187,7337,2376,7276,2025,661197,8867,4256,9496,4605,955208,0247,5937,1486,6916,219218,1497,7447,3286,8996,457228,2617,8827,4917,0886,673238,3648,0077,6397,2606,870248,4588,1217,7747,4177,049258,5448,2267,8987,5617,214268,6238,3228,0127,6937,365278,6968,4118,1187,8167,504288,7638,4938,2157,9297,634298,8268,5708,3058,0337,753308,8848,6408,3898,1317,865318,9388,7068,4688,2227,968328,9898,7688,5418,3068,065339,0368,8268,6098,3858,156349,0808,8808,6738,4608,240359,1228,9308,7338,5298,320369,1618,9788,7898,5958,394379,1989,0238,8428,6568,465389,2329,0658,8928,7148,531399,2659,1058,9398,7698,594409,2969,1428,9848,8218,653Term of Loan (years)Policy Year 11121314151 2 3 4 5 6 7 8 9 10 111,049 121,922975 132,6601,799913 143,2912,5041,694859 153,8363,1142,3691,603813164,3133,6462,9592,2521,523174,7324,1143,4782,8232,148185,1044,5303,9393,3302,703195,4364,9014,3503,7823,197205,7345,2334,7184,1883,641216,0025,5345,0514,5544,042226,2465,8065,3524,8864,405236,4686,0535,6275,1884,735246,6706,2805,8785,4635,037256,8566,4876,1075,7165,314267,0266,6786,3195,9495,568277,1846,8546,5146,1645,803287,3307,0176,6946,3626,020297,4657,1686,8616,5466,221307,5907,3087,0176,7176,409317,7077,4397,1626,8776,583327,8177,5617,2977,0256,746337,9197,6757,4237,1646,898348,0147,7817,5427,2957,040358,1047,8827,6537,4177,174368,1887,9767,7577,5327,300378,2688,0657,8557,6407,418388,3428,1487,9487,7427,529398,4138,2278,0357,8387,635408,4808,3018,1187,9297,734Term of Loan (years)Policy Year 16171819201 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16773 171,453737 182,0571,391706 192,5951,9751,336678 203,0782,4981,9011,286653213,5142,9712,4111,8351,241223,9093,3992,8742,3321,775234,2693,7893,2942,7852,261244,5974,1453,6793,1992,704254,8994,4714,0313,5783,111265,1764,7724,3553,9273,485275,4315,0494,6544,2483,830285,6685,3054,9314,5464,149295,8875,5425,1874,8224,445306,0915,7635,4265,0784,721316,2805,9695,6485,3174,977326,4586,1615,8555,5405,216336,6236,3406,0495,7495,440346,7786,5086,2305,9445,649356,9246,6666,4016,1275,846367,0616,8146,5616,3006,031377,1896,9546,7116,4626,204387,3117,0856,8536,6146,368397,4257,2106,9876,7596,523407,5337,3277,1146,8956,669Term of Loan (years)Policy Year 21222324251 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21630 221,201609 231,7201,164590 242,1951,6701,130573 252,6302,1351,6241,099558263,0302,5622,0791,5821,070273,4002,9562,4992,0281,543283,7413,3202,8872,4411,981294,0583,6583,2472,8232,387304,3523,9723,5813,1792,764314,6264,2653,8933,5103,115324,8824,5384,1843,8193,443335,1214,7934,4564,1083,749345,3465,0334,7104,3794,037355,5565,2574,9494,6334,306365,7535,4685,1744,8714,559375,9395,6675,3855,0964,798386,1155,8545,5855,3085,022396,2806,0305,7735,5075,234406,4366,1975,9505,6965,434Term of Loan (years)Policy Year 26272829301 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26543 271,044530 281,5071,020517 291,9371,474997506 302,3371,8961,443976495312,7092,2901,8591,414957323,0562,6572,2461,8231,387333,3803,0002,6092,2051,790343,6853,3222,9482,5642,167353,9703,6243,2672,9002,521364,2383,9073,5663,2152,854374,4904,1743,8483,5123,167384,7284,4254,1143,7923,462394,9534,6634,3644,0573,740405,1654,8874,6014,3064,003Term of Loan (years)Policy Year 31323334351 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31485 32938476 331,362921468 341,7591,339905459 352,1311,7301,316891452362,4812,0981,7031,296876372,8112,4442,0661,6771,276383,1212,7702,4082,0361,653393,4143,0782,7322,3752,008403,6903,3683,0372,6952,344Term of Loan (years)Policy Year 36373839401 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36445 37863438 381,258851432 391,6301,240839426 401,9811,6081,224828420Table 6(For policies entered into, adjusted or renewed with policy year commencing on or after 1 July 2006)HOME PROTECTION INSURANCE AMOUNT PAYABLE FOR INITIAL COVER OF $10,000 FOR SCHEME MEMBER WHO HAS TAKEN UP A LOAN UNDER MARKET INTEREST RATEFor policy years from 1 July 2006, the sum assured payable will be pro‑rated in accordance with the formula A – [(B × C)/12], where —

(a)

A is the sum assured payable at the commencement/renewal date immediately prior to the death or incapacity;

(b)

B is the number of months which have lapsed between the commencement/renewal date immediately prior to the death or incapacity and the date of death or incapacity; and

(c)

C is the difference in the sum assured between the commencement/renewal date immediately prior to the death or incapacity and the renewal date falling immediately after the death or incapacity.Term of Loan (years)Policy Year 12345110,000 210,0005,098 310,0006,7973,465 410,0007,6455,1962,649 510,0008,1546,2344,2372,160610,0008,4926,9245,2943,598710,0008,7347,4176,0484,624810,0008,9157,7866,6125,391910,0009,0558,0727,0505,9871010,0009,1678,3017,4006,4631110,0009,2598,4877,6856,8511210,0009,3348,6427,9237,1741310,0009,3998,7738,1237,4461410,0009,4538,8858,2937,6791510,0009,5018,9818,4417,8791610,0009,5429,0658,5708,0541710,0009,5789,1398,6838,2081810,0009,6109,2058,7838,3441910,0009,6399,2638,8728,4652010,0009,6649,3158,9528,5742110,0009,6879,3629,0248,6722210,0009,7089,4049,0898,7602310,0009,7279,4439,1488,8402410,0009,7449,4789,2018,9132510,0009,7609,5109,2508,9802610,0009,7749,5409,2969,0422710,0009,7889,5679,3379,0982810,0009,8009,5929,3759,1502910,0009,8119,6159,4119,1983010,0009,8229,6369,4439,2433110,0009,8319,6569,4749,2843210,0009,8419,6759,5029,3233310,0009,8499,6929,5299,3593410,0009,8579,7089,5539,3923510,0009,8649,7239,5769,4233610,0009,8719,7379,5989,4533710,0009,8789,7509,6189,4803810,0009,8849,7639,6379,5063910,0009,8899,7749,6559,5304010,0009,8959,7859,6719,553Term of Loan (years)Policy Year 6789101 2 3 4 5 61,834 73,1421,602 84,1222,8011,428 94,8823,7322,5371,293 105,4894,4753,4212,3251,185115,9845,0824,1433,1682,153126,3955,5864,7443,8682,957136,7426,0115,2504,4583,635147,0396,3745,6824,9634,214157,2956,6876,0565,3984,715167,5186,9616,3815,7785,151177,7147,2016,6676,1125,534187,8887,4146,9206,4075,873198,0437,6037,1466,6706,176208,1817,7737,3486,9066,446218,3067,9257,5297,1186,690228,4188,0637,6947,3106,910238,5218,1897,8437,4847,110248,6148,3037,9797,6427,292258,6998,4078,1037,7877,459268,7788,5038,2187,9217,612278,8508,5918,3238,0437,752288,9168,6738,4198,1567,882298,9778,7488,5098,2608,002309,0348,8178,5928,3578,113319,0878,8828,6698,4478,216329,1368,9428,7408,5308,312339,1828,9988,8078,6088,402349,2259,0518,8698,6818,485359,2659,0998,9288,7498,563369,3029,1458,9828,8138,636379,3379,1889,0338,8728,705389,3709,2289,0818,9288,769399,4019,2669,1268,9818,829409,4309,3029,1699,0308,886Term of Loan (years)Policy Year 11121314151 2 3 4 5 6 7 8 9 10 111,098 122,0101,025 132,7791,889963 143,4362,6271,786910 154,0043,2652,4961,696865164,4993,8213,1152,3821,619174,9344,3093,6592,9842,281185,3184,7414,1413,5172,867195,6615,1264,5703,9913,390205,9685,4714,9544,4163,857216,2445,7815,3004,7994,278226,4946,0625,6135,1454,659236,7216,3175,8975,4595,005246,9286,5496,1555,7465,320257,1176,7626,3926,0085,608267,2916,9566,6096,2485,872277,4507,1366,8096,4696,115287,5977,3016,9936,6726,339297,7337,4547,1636,8616,546307,8597,5957,3217,0356,739317,9767,7277,4677,1976,917328,0857,8497,6047,3487,083338,1877,9637,7317,4897,237348,2818,0697,8497,6207,382358,3708,1697,9607,7437,516368,4538,2628,0647,8577,643378,5318,3498,1617,9657,761388,6038,4318,2528,0667,872398,6728,5088,3388,1617,977408,7378,5818,4198,2508,075Term of Loan (years)Policy Year 16171819201 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16825 171,550790 182,1921,490760 192,7642,1131,436732 203,2762,6712,0421,388708213,7373,1732,5871,9781,344224,1533,6273,0812,5121,920234,5324,0403,5282,9962,443244,8774,4163,9373,4382,920255,1924,7604,3103,8423,356265,4815,0754,6524,2133,755275,7475,3654,9674,5534,123285,9935,6325,2574,8684,462296,2205,8805,5265,1584,776306,4306,1095,7755,4275,066316,6256,3216,0065,6775,336326,8076,5196,2215,9105,587336,9766,7046,4216,1275,821347,1346,8766,6086,3296,039357,2817,0376,7836,5186,243367,4207,1876,9466,6956,434377,5497,3297,1006,8616,613387,6717,4617,2447,0176,781397,7857,5867,3797,1636,939407,8937,7037,5067,3017,088Term of Loan (years)Policy Year 21222324251 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21685 221,305665 231,8681,270647 242,3811,8201,237631 252,8502,3241,7761,207615263,2802,7852,2711,7361,180273,6763,2102,7262,2231,699284,0413,6023,1462,6722,178294,3783,9643,5343,0872,621304,6914,3003,8943,4713,032314,9814,6114,2273,8283,412325,2514,9014,5384,1603,767335,5025,1724,8274,4694,097345,7375,4245,0974,7584,405355,9575,6595,3505,0284,694366,1635,8805,5875,2814,963376,3556,0875,8085,5185,216386,5366,2816,0165,7415,454396,7066,4646,2125,9505,677406,8666,6366,3966,1475,887Term of Loan (years)Policy Year 26272829301 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26602 271,155589 281,6651,132577 292,1371,6341,111566 302,5742,0991,6051,091556312,9802,5312,0641,5781,072323,3582,9332,4912,0311,553333,7103,3072,8892,4532,000344,0383,6573,2602,8472,418354,3463,9843,6073,2162,809364,6334,2903,9323,5613,174374,9034,5764,2373,8843,517385,1564,8464,5234,1883,839395,3945,0994,7924,4734,141405,6175,3375,0454,7424,426Term of Loan (years)Policy Year 31323334351 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31547 321,055538 331,5291,039530 341,9721,5071,024522 352,3851,9451,4871,011515362,7722,3541,9201,468997373,1352,7382,3261,8961,450383,4763,0992,7072,2991,874393,7973,4383,0652,6772,273404,0983,7573,4023,0322,649Term of Loan (years)Policy Year 36373839401 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36509 37985502 381,433974496 391,8531,417963491 402,2491,8341,402953486

Schedule 4

Applicable refund

FOURTH SCHEDULERegulation 24(1)Applicable refundFirst columnSecond columnThird columnFourth columnRegulation to which applicable refund relatesAmount for SP coverAmount for AP coverRelevant date1.Regulation 7(2)(b)Surrender value of SP cover on the relevant date—Date of the cessation of the insurance cover under regulation 7(1)2.Regulation 14(1)(b)Surrender value of SP cover on the relevant dateProportion of the premium for the policy year in which the AP cover ceases that corresponds to the unexpired portion of the cover in the policy year, calculated with reference to the relevant dateDate of the cessation of the insurance cover under regulation 14(1)(a)3.Regulation 15(1)(b)Surrender value of SP cover on the relevant dateProportion of the premium for the policy year in which the AP cover ceases that corresponds to the unexpired portion of the cover in the policy year, calculated with reference to the relevant dateDate of the cessation of the insurance cover under regulation 15(1)(a)4.Regulation 16(3)Surrender value of the SP cover on the relevant dateProportion of the premium for the policy year in which the AP cover ceases that corresponds to the unexpired portion of the cover in the policy year, calculated with reference to the relevant dateRelevant date under regulation 16(2)5.Regulation 17(1)Surrender value of the SP cover on the relevant dateProportion of the premium for the policy year in which the AP cover ceases that corresponds to the unexpired portion of the cover in the policy year, calculated with reference to the relevant dateDate of the cessation of the insurance cover by virtue of section 30(2) of the Act6.Regulation 18(3), in relation to termination under regulation 18(2)(a)(a)Surrender value of the SP cover on the relevant date; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if the amount mentioned in paragraph (a) had been standing to the credit of the Scheme member’s account in the Fund(a)Proportion of the premium for the policy year in which the AP cover ceases that corresponds to the unexpired portion of the cover in the policy year, calculated with reference to the relevant date; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if the amount mentioned in paragraph (a) had been standing to the credit of the Scheme member’s account in the FundDate of termination of the insurance cover under regulation 18(2)(a)7.Regulation 18(3), in relation to cancellation under regulation 18(2)(b), (c) or (d)(a)An amount of all the premiums paid by the Scheme member for the insurance cover, as determined by the Board; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if the amount of the premiums had been standing to the credit of that Scheme member’s account in the Fund—8.Regulation 19(3)(b), in relation to cancellation under regulation 19(3)(a)(a)An amount of all the premiums paid by the Scheme member for the insurance cover, as determined by the Board; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if the amount mentioned in paragraph (a) had been standing to the credit of the CPF member’s account in the Fund(a)Proportion of the premium for the policy year in which the AP cover is terminated that corresponds to the unexpired portion of the cover in the policy year, calculated with reference to the relevant date; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if that amount had been standing to the credit of the CPF member’s account in the FundDate of the termination of the insurance cover under regulation 19(3)(a)10.Regulation 20(2), in relation to cancellation under regulation 20(1)(c)(a)An amount of all the premiums paid by the Scheme member for the insurance cover, as determined by the Board; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if the amount of the premiums had been standing to the credit of that Scheme member’s account in the Fund—11.Regulation 20(2), in relation to termination under regulation 20(1)(d)Surrender value of the SP cover on relevant dateProportion of the premium for the policy year in which the AP cover is terminated that corresponds to the unexpired portion of the cover in the policy year, calculated with reference to the relevant dateDate of the termination of the insurance cover under regulation 20(1)(d)12.Regulation 22(1)(a)(a)The amount of all the premiums paid by the Scheme member for the insurance cover, as determined by the Board; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if the amount mentioned in paragraph (a) had been standing to the credit of that Scheme member’s account in the Fund(a)The amount of all the premiums paid by the Scheme member for the insurance cover, as determined by the Board; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if the amount mentioned in paragraph (a) had been standing to the credit of that Scheme member’s account in the Fund—13.Regulation 22(1)(b)(a)Surrender value of the SP cover on relevant date; and

(b)

the whole or any part, that the Board may determine, of the interest that would have been payable if the amount mentioned in paragraph (a) had been standing to the credit of the Scheme member’s account in the Fund(a)Proportion of the premium for the policy year in which the AP cover is terminated that corresponds to the unexpired portion of the cover in the policy year, calculated with reference to the relevant date; and

(b)

Common questions

What is Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024?: Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 is Singapore Subsidiary Legislation, cited as Subsidiary Legislation CPFA-S281-2024 1953, currently marked in force and first recorded in 1953.
Is Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 still in force?: Yes — Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 is currently in force.
When did Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 take effect?: Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 was first recorded in 1953.
How many regulations does Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 have?: Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 contains 29 regulations.
Where can I read the official version of Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024?: The official text of Central Provident Fund (Home Protection Insurance Scheme) Regulations 2024 is published at sso.agc.gov.sg.