Best CMFAS HI (Health Insurance) Mock Exams & Study Guides (2026 Comparison)
Should you buy HI mock papers from Carousell, a traditional provider, or an online simulator? We compare the top 3 options for the 2026 syllabus updates.
If you are following a proper HI Study Strategy, you know that the hardest part isn't the concepts—it's the April 2025 Updates.
The MediShield Life claim limits and deductibles were significantly revised in 2025. (e.g., Daily Ward limits increased to $1,630).
A quick search yields dozens of cheap PDF notes online. But here is the danger: Are they updated? If you study a note that lists the old $1,000 limit, you will fail every calculation question in the exam. (We have created a free mini mock exam to help you test your knowledge of the new syllabus here.)
In this guide, we compare the three main types of HI mock exams available in Singapore to help you decide which one is safe to use for the 2026 syllabus.
✨ At a Glance: The 3 Options
- 1. Carousell / Peer Notes: Cheap, but extremely high risk of outdated 2024 data.
- 2. Traditional Providers (e.g., CMFAS Hub): Reliable, but often sold as static sets (pay per paper).
- 3. AI Simulators (ExamPrep.sg): Live-updated question bank with calculation walkthroughs.
The Comparison Table
Here is how the different study materials stack up against the requirements of the new 2026 HI (Health Insurance) exam.
| Feature | ❌ Carousell / PDFs | ⚠️ Traditional (Static) | ✅ ExamPrep.sg (Dynamic) |
|---|---|---|---|
| Format | Static PDF / Hardcopy | Static Digital Papers | Interactive Simulator |
| 2025 Limits | High Risk of Old Data | Updated | Live Real-Time Updates |
| Calculations | Answer Key Only | Answer Key Only | Step-by-Step Working |
| Explanations | No | No | Yes (Instant Feedback & Explanations) |
| Practice by Chapter Mode | No | No | Yes (Practice by Chapter Mode) |
| Weakness Detection | No | No | Yes (AI Engine) |
| Price Model | ~$15 - $20 | ~$40 per set | ~$39 for Unlimited |
Option 1: Buying Notes on Carousell
Best for: Candidates who want to gamble on "General Knowledge."
You can find cheap notes from seniors who passed last year.
- The Fatal Flaw: The HI syllabus changes frequently. A note from 2024 will teach you that the MediShield Daily Limit is $1,000. It is now $1,630.
- The Result: You will walk into the exam, do the math correctly based on the old number, and get the wrong answer. (Look at the HI exam format here.)
Option 2: Traditional Providers (e.g., CMFAS Hub)
Best for: Candidates who prefer a traditional "Exam Paper" feel.
Established providers update their materials regularly. They are a safe choice.
- The Limitation: They typically sell by "Sets" (e.g., 2 sets of 50 questions). Since HI requires memorizing dozens of different limits (Surgery Tables, Pro-ration factors), doing just 100 questions might not be enough to lock the numbers into your memory.
- The Verdict: Reliable quality, but expensive ($40+) if you need extensive practice.
Option 3: The Interactive Platform (ExamPrep.sg)
Best for: Candidates who need to memorize the new limits fast.
We built ExamPrep.sg to solve the "Stale Data" problem. Because our platform is digital, we push updates instantly.
Why "Smart" Beats "Static" for HI
- Guaranteed 2026 Updates: We don't have "old stock" to clear. Our question bank reflects the April 2025 MediShield Life changes immediately.
- Practice by Chapter Mode: No other platform offers a "Practice by Chapter" mode to help you focus on your weakest chapters. We made it because we know how important it is to drill on the hardest chapters first.
Struggling with specific chapters? Use the ExamPrep.sg platform to isolate them and drill them until you master the concepts.
- Instant Feedback and Explanations: Get instant feedback and explanations for every question.
Get instant feedback and explanations for every question.
- Progress Tracking: See your improvement over time and track your weak spots.
See your progress and track your weak spots. Our AI Recommendation Engine identifies your weak spots and creates a custom practice plan to help you master them.
- The "All-in-One" Value: For $39.90, you get unlimited access to the entire platform. That includes Chapter Drills (to fix your Healthcare Financing knowledge) and full Mock Exams.
- The Cost of Failure:
* The Retake Cost: Failing HI costs ~$76 to retake.
* The Time Cost: More importantly, it delays your licensing by another month.
* The Verdict: Investing $39 to ensure you pass on the first try is the fastest route to getting your license.
🛑 Don't study outdated limits.
The 2026 exam tests the new April 2025 MediShield limits. Ensure your practice questions match the real exam.
👉 Start Free HI Mock ExamConclusion: Accuracy is Everything
- If you buy random notes online, verify the publication date. If it is before April 2025, throw it away.
- If you want a standard paper experience, Traditional Providers are good.
- If you want to drill the Calculation Steps and ensure you have the New Limits: ExamPrep.sg.
Don't let an outdated PDF cost you a passing grade.
Ready to book your slot?
Read our Step-by-Step HI Registration Guide to ensure you are ready for the exam day.
Frequently Asked Questions About HI Mock Exams
By The ExamPrep.sg Team
Singapore's leading CMFAS and SCI exam preparation platform, helping thousands of candidates pass their financial adviser exams on the first try.
Ready to Put This Strategy Into Action? 💯
Stop guessing with static PDFs. Get unlimited HI practice with instant feedback and explanations, as well as a "Practice by Chapter" mode to help you focus on your weak spots.