Free CMFAS HI (Health Insurance) Mock Exam Questions & Papers (2026)
Looking for free CMFAS Health Insurance (HI) mock exam questions? We break down 5 tricky calculation and scheme examples (Hospital Bills, MediSave Limits, CareShield) from the 2026 syllabus.
If you are taking the Health Insurance (HI) exam, there is one specific question type that causes the most anxiety: The Hospital Bill Calculation.
With the April 2025 MediShield Life updates, the claim limits and deductibles have changed. If you practice with old questions found on forums or Carousell, you are memorizing the wrong math. (See our full study guide on passing the HI exam.)
Most candidates look for free HI mock exam papers, but finding ones that account for the new $1,630 Daily Ward Limit is difficult.
Below, we have created a free mini-mock covering the 5 concepts that trip up most agents: Bill Pro-Ration, MediSave Withdrawal Limits, and CareShield Definitions.
✨ TL;DR: The "Calculation" Trap
- The Math: You must apply the "Pro-Ration Factor" before the Deductible.
- The Limit: MediSave withdrawal limits are different from MediShield claim limits.
- The Fix: Practice calculating payouts for Private Hospital stays until you stop missing steps.
- The Score: 50 questions, 1 hour 15 minutes. You need to get at least 70% of the questions correct to pass.
🧮 Question 1: Hospital Bill Calculation (Chapter 2)
Scenario:
Mr. Lim (Singaporean) stays in a Private Hospital for 10 days. The total bill is $50,000.
He has an Integrated Shield Plan (IP) covering Private Hospitals with the following features:
- Pro-Ration Factor: N.A. (As-charged)
- Deductible: $3,500
- Co-insurance: 10%
What is the total amount payable by the insurer?
- A) $46,500
- B) $41,850
- C) $45,000
- D) $41,500
The Trap: Forgetting the order of operations (Deductible first, then Co-insurance).
The Correct Answer: B ($41,850)
The Logic:
- Bill: $50,000
- Less Deductible: $50,000 - $3,500 = $46,500
- Less Co-insurance (10%): $46,500 x 90% = $41,850
(Note: The insurer pays 90%, Mr. Lim pays the 10%).
ExamPrep.sg platform will give you instant feedback and explanations for every question.
🏥 Question 2: MediSave Limits (Chapter 9)
Question:
A patient undergoes a surgical procedure (Table 4A). The withdrawal limit for the surgery is $1,850. He stays in the hospital for 2 days. The daily hospital limit for MediSave withdrawal is $550.
What is the maximum amount he can withdraw from MediSave?
- A) $2,400
- B) $2,950
- C) $1,100
- D) $1,850
The Trap: Confusing MediSave Withdrawal Limits ($550/day) with MediShield Claim Limits ($1,630/day).
The Correct Answer: B ($2,950)
The Logic:
- Daily Ward: $550 x 2 days = $1,100
- Surgery: $1,850
- Total: $1,100 + $1,850 = $2,950.
🤔 Confused by MediSave vs MediShield?
Chapter 9 (Healthcare Financing) is the hardest chapter for memorization. Our platform has a "Practice by Chapter" mode to help you drill on your weakest chapters.
👉 Practice by Chapter♿ Question 3: CareShield Life (Chapter 5)
Scenario:
Mr. Tan, born in 1985, is covered under CareShield Life. He suffers a stroke and is unable to perform **Washing** and **Feeding**, but can perform the other 4 ADLs.
Is he eligible for a payout?
- A) Yes, because he cannot perform 2 ADLs.
- B) No, the deferment period is not over.
- C) No, he must be unable to perform at least 3 ADLs.
- D) Yes, but only 50% payout.
The Trap: Confusing ElderShield (some versions allowed 2 ADLs) with CareShield.
The Correct Answer: C
The Logic: CareShield Life strictly requires the inability to perform at least 3 out of 6 Activities of Daily Living (ADLs) to trigger a payout. 2 is not enough.
Struggling with Scheme Confusion? Use the ExamPrep.sg platform to isolate Chapter 5 and drill it until you master the concepts.
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📝 Question 4: Moratorium Underwriting (Chapter 12)
Question:
A client buys an IP with a **Moratorium Underwriting** clause. He has a pre-existing knee condition. Under what condition will this pre-existing condition be covered in the future?
- A) It will never be covered.
- B) It is covered immediately with a loading.
- C) It is covered if he seeks no treatment/advice for that condition for a continuous period (usually 5 years).
- D) It is covered after a standard 12-month waiting period.
The Trap: Confusing "Waiting Period" (generic) with "Moratorium" (specific condition).
The Correct Answer: C
The Logic: Moratorium underwriting does not exclude the condition permanently. It covers it only if the policyholder remains symptom-free and treatment-free for a specific period (often 5 years) after the policy starts.
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Why HI Accuracy Matters
Did you get Question 2 (MediSave) right?
The HI exam has 50 questions. Roughly 10-15 of them will require you to recall specific dollar limits or scheme rules. (Take a look at the mistakes typically made by candidates in the HI exam here). If you are studying 2024 notes, you might know the concept, but you will fail the math.
How to Fix It:
You need to stop studying outdated notes and make sure you are using the latest platform and materials. (See our review of the best HI study tools & mock exams here.)
At ExamPrep.sg, our HI Simulator includes:
- 2025/2026 Updated Syllabus: Don't study outdated notes. Our platform is updated with the latest changes.
- Practice by Chapter Mode: Practice your weakest chapters until you master them.
- Instant Feedback and Explanations: 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.
Don't leave your pass/fail result to chance.
Common Questions on HI (Health Insurance) Mock Exams
By The ExamPrep.sg Team
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Practice these calculation questions and more with our updated 2026 HI (Health Insurance) question bank.