HI sample questions: MediShield maths and Shield plan traps to try

If you want free Health Insurance (HI) mock questions, the four worked examples below cover the parts of the exam that fail the most candidates: hospital bill maths, MediSave withdrawal limits, CareShield Life eligibility, and moratorium underwriting. Each one comes with the full calculation and the specific mistake that loses you the mark, all checked against the rules in force for 2026.

One thing to settle first. The HI paper has 50 multiple-choice questions and you get 1 hour 15 minutes. The pass mark is 70%, so you need 35 right. The format and timing are spelled out in our HI passing score and format guide, but the number that matters here is 35. Roughly 10 to 15 of those 50 questions ask you to recall an exact dollar figure or apply a scheme rule, which is why old notes will sink you even when you understand the concept.

Why 2024 notes give you the wrong answer

The MediShield Life changes from April 2025 moved several claim limits, including the daily ward and treatment limit, now $1,630. If you drilled with a forum PDF or a secondhand study pack, you have memorised numbers that are no longer correct. The exam tests the current figures. So does our HI exam page, which runs the updated 2026 question bank.

The questions that follow use the current rules. Work each one before reading the solution.

Hospital bill calculation, private ward

Mr Ho, a Singaporean, spends 6 days in a private hospital and runs up a bill of $36,000. His Integrated Shield Plan covers private hospitals on these terms:

• Pro-ration factor: not applicable (as-charged)
• Deductible: $3,000
• Co-insurance: 10%

How much does the insurer pay?

A) $29,400 B) $29,700 C) $33,000 D) $32,400

The answer is B, $29,700. The deductible comes off first, then co-insurance applies to what is left:

1. Bill: $36,000
2. Less the $3,000 deductible: $33,000
3. Co-insurance takes 10%, so the insurer pays the remaining 90%: $33,000 × 90% = $29,700

Mr Ho pays the $3,000 deductible plus his 10% share, $3,300, for $6,300 out of pocket.

The standard error is reversing the order, applying co-insurance to the full $36,000 and then subtracting the deductible. That path lands on $29,400, which is option A sitting there waiting for it. That gives a different number and a wrong answer. Deductible first, every time. When a pro-ration factor does apply, which it does for subsidised wards and certain treatments, you scale the bill down by that factor before you touch the deductible. This case says as-charged, so there is no pro-ration step.

MediSave withdrawal limits

A patient has a Table 3C procedure with a MediSave surgical withdrawal limit of $1,250. She stays 3 days, and the MediSave daily hospital charges limit is $550 a day. What is the most she can withdraw from MediSave?

A) $1,650 B) $2,900 C) $1,250 D) $2,350

The answer is B, $2,900. The surgical limit and the daily ward limit are separate allowances that add together:

1. Daily charges: $550 × 3 days = $1,650
2. Surgical limit: $1,250
3. Total MediSave withdrawal: $1,650 + $1,250 = $2,900

The trap here is mixing up two systems. The $550 daily figure is a MediSave withdrawal limit, capping what comes out of the patient's own account. It has nothing to do with the $1,630 MediShield Life daily limit, which caps what the insurance scheme pays. Same patient, same stay, two different ceilings governed by different rules. Chapter 9 on healthcare financing is where most candidates lose marks for exactly this reason, because the figures look similar and live in the same scenario.

If you keep confusing the two, the practice by chapter mode lets you isolate Chapter 9 and run it until the limits stop blurring together.

CareShield Life eligibility

Mdm Lee, insured under CareShield Life, loses the ability to dress and bathe herself after a fall. She still manages the other four activities of daily living. Does she receive a payout?

A) Yes, a partial payout applies B) No, she must fail at least 3 of the 6 ADLs C) Yes, failing 2 ADLs qualifies D) No, payouts only start from age 67

The answer is B. CareShield Life pays out only when the insured cannot perform at least 3 of the 6 ADLs: washing, feeding, dressing, toileting, mobility, and transferring. Failing 2 is not enough, so Mdm Lee does not qualify yet.

The reason this catches people is the older ElderShield scheme. Some ElderShield versions triggered at the inability to perform 2 ADLs, and that figure sticks in memory. CareShield Life uses 3. If you learned the threshold for one scheme and apply it to the other, you will pick the wrong option with full confidence.

Moratorium underwriting

A client takes up an Integrated Shield Plan underwritten on moratorium terms. He has a long-standing back condition. When does that condition come into cover?

A) After a fixed 12-month wait, no matter what happens B) It stays excluded for the life of the policy C) Immediately, with a premium loading applied D) Once he stays free of symptoms, treatment and medical advice for it over the stated continuous period, often 5 years

The answer is D. Moratorium underwriting does not exclude the condition for good. It covers the pre-existing back once the policyholder has gone a set continuous period, commonly 5 years, with no symptoms, no treatment, and no medical advice for it. Seeing a doctor about the back inside that window resets the clock.

The confusion is between a moratorium and a plain waiting period. A waiting period is a fixed stretch of time after which cover starts regardless of what happens. A moratorium is conditional on the client staying symptom-free and treatment-free for that specific condition, so the two work in different ways even though both involve waiting.

Where candidates actually lose the exam

Look back at the MediSave question. If you wrote $2,400 or $1,100, you knew the structure but missed a figure, and that is the pattern across the whole paper. The concept is rarely the problem. The exact number, the order of operations, and the rule that looks almost identical to another rule are what cost the marks. Our breakdown of the most common HI exam mistakes goes through these slip-ups one by one.

The fix is to drill current questions until the steps are automatic, not to reread static notes. For a side-by-side of what is available, see our comparison of HI mock exam tools.

On CMFAS Prep, the HI question bank runs the 2026 syllabus with the post-April-2025 figures, gives you the worked solution after every question, lets you target your weakest chapters, and tracks where you keep slipping so you can see your accuracy climb before exam day.

Try the four questions above, then keep going with the full set. Practise HI on CMFAS Prep and check your answers against the current rules.