HI practice papers in 2026: options compared

The best HI mock exams for 2026 are the ones rebuilt around the April 2025 MediShield Life changes. Any paper that still quotes the old claim limits will teach you the wrong numbers, and the HI exam tests those numbers directly. So the real question isn't "which seller is cheapest" — it's "which material matches the current syllabus."

That matters more for HI than for most CMFAS papers. The exam is 50 multiple-choice questions in 1 hour 15 minutes, and you need 70% to pass, registered through the Singapore College of Insurance. A big share of those 50 questions turn on deductibles, co-insurance, pro-ration, and ward claim limits. Get the figure wrong and you lose the whole question, even if your method was right.

What changed in April 2025

MediShield Life limits were revised in 2025, and several of the numbers candidates had memorised went up. The daily ward claim limit, for example, moved to $1,630. Older study notes still list the previous $1,000 figure.

Here's how that bites. A typical HI question gives you a hospital bill, a ward type, and a length of stay, then asks for the claimable amount. If you anchor your working to $1,000 a day, every step after that is wrong, and the wrong total will usually match one of the distractor options on purpose. You'll feel confident and still score zero on it.

If you want to check whether your current material is current, run a few of the free HI mock exam questions we keep updated for 2026 and compare the limits against what your notes say.

The three places people get HI practice

Candidates in Singapore usually pull HI questions from one of three sources, and they fail in different ways.

Peer notes and PDFs are the cheapest. A senior who passed last year sells their scanned set for $15 to $20. The problem is dating: a 2024 set predates the MediShield revision, so the limits inside it are stale and you have no easy way to tell which pages are affected.

Established providers sell static question sets, often priced per paper at around $40 a set. The quality is reliable and the numbers are usually maintained. The catch is volume. HI asks you to hold dozens of separate figures in your head across the surgery tables, pro-ration factors, and Integrated Shield Plan limits. One or two sets of 50 questions rarely gives you enough repetition to make those numbers automatic.

An interactive platform like CMFAS Prep keeps one live question bank that we update when the syllabus moves, with worked solutions and chapter-level drilling instead of a fixed paper.

How the three compare

Feature	Peer notes / PDFs	Established static sets	CMFAS Prep
Format	Scanned PDF or hardcopy	Fixed digital papers	Interactive question bank
2025 limits	Often outdated	Usually updated	Updated when the syllabus changes
Calculation questions	Final answer only	Final answer only	Step-by-step working
Explanations	None	None	Instant, on every question
Drill one chapter	No	No	Practice by chapter mode
Weak-spot analysis	No	No	AI weakness engine
Price	$15 to $20	~$40 per set	$29.90 for a month, unlimited

When peer notes are worth it

Cheap notes can still help you learn the shape of the paper and the wording of underwriting questions, which doesn't change as often as the numbers. If you buy a set, check the date before you trust a single figure. Anything produced before April 2025 should be treated as a vocabulary list, not a source of claim limits. Cross-check every number against a current reference before you commit it to memory.

What they can't give you is feedback. When you get a pro-ration question wrong on a PDF, the answer key tells you the letter, not where your working broke. You can read the HI passing score and format guide to understand the standard you're aiming for, but a static key won't show you how to reach it.

When a static set is enough

If you already understand the concepts and you mainly want a clean run-through under exam conditions, a maintained static set does the job. It feels like a real paper, the numbers are looked after, and one sitting tells you roughly where you stand.

The limit shows up when you need repetition. People who fail HI usually don't fail on theory. They fail because they confused two claim limits under time pressure. Fixing that takes more reps on the specific tables you keep getting wrong, and a fixed set of 100 questions runs out before the numbers stick.

Why CMFAS Prep suits HI specifically

We built the platform around the parts of HI that punish people: shifting numbers and weak-chapter blind spots.

The question bank reflects the April 2025 MediShield Life limits because there's no printed stock to sell through first. When a figure changes, the questions change with it.

Practice by chapter mode lets you isolate one topic and drill only that. If MediShield deductibles are where you keep slipping, you can run that chapter on its own until the numbers are automatic, then move to Integrated Shield Plans. You're not forced to sit a full 50-question paper every time you want to fix one weak area.

Every question carries an instant explanation, so a wrong answer becomes a worked example instead of a dead end. The AI weakness engine watches which topics you miss most and points your next session at them, so your study time lands on your real gaps rather than the chapters you already know.

For $29.90 you get a month of unlimited access, which covers both the chapter drills and full-length mock papers. Practising at least two complete mocks also activates the Pass Guarantee: send us your SCI result slip if you don't pass, and we extend your access for another month at no cost.

What a resit actually costs

Failing HI isn't only the money. You pay the SCI exam fee again, which sits in the S$150 to S$250 range depending on peak timing, and you wait. Slots fill weeks ahead, so a fail usually pushes your licensing back by a month or more. Against that, a month of practice to get it right the first time is the cheaper path. When you're ready to book, our HI registration guide walks through the SCI portal step by step.

Practise on the current numbers

The 2026 HI paper tests the post-April-2025 MediShield limits, so the only practice worth your time uses those figures. Pick your material on that basis first, and on price second.

Start drilling on CMFAS Prep when you want chapter-level practice, worked calculations, and questions that match what you'll actually see in the exam hall.