How to Pass PGI Exam Singapore: Complete 2026 Study Guide (Personal General Insurance)
Pass the PGI (Personal General Insurance) exam Singapore on your first try. Complete 2026 study guide covering all 7 chapters, 3-week study plan, and proven strategies for the SCI certification.
The PGI exam (Personal General Insurance) is one of the three modules under the Singapore College of Insurance's Certification in General Insurance (CGI) framework.
If you're planning to provide advice or sell personal general insurance products in Singapore—covering motor insurance, travel insurance, personal accident, and more—this certification is essential.
Combined with BCP (Basic Insurance Concepts & Principles), PGI gives you the Personal General Insurance Certification required by MAS for selling personal lines products.
This guide provides a complete study strategy to help you pass the PGI exam on your first attempt.
Quick Reference: PGI Exam Format
- Questions: 50 multiple-choice questions
- Duration: 75 minutes (1 hour 15 minutes)
- Passing Score: 70% (35 out of 50 questions)
- Exam Fee: $75–$85 (inclusive of GST)
- Administered by: SCI (Singapore College of Insurance)
- Current Edition: 7th Edition
Should You Take BCP First?
Yes. The BCP (Basic Insurance Concepts and Principles) module is the foundation for both PGI and ComGI.
SCI recommends taking BCP first because it covers:
- Insurance principles (indemnity, subrogation, utmost good faith)
- Law of contract and agency
- Claims processes and documentation
- Regulatory frameworks
If you skip BCP, you'll encounter terms and concepts in PGI that assume foundational knowledge. Take BCP first, then proceed to PGI.
Understanding the PGI Exam Structure
The PGI exam tests your knowledge of personal general insurance products. Here's what you're up against:
Exam Format:
- 50 multiple-choice questions in 75 minutes
- Passing score: 70% (you need at least 35 correct answers)
- Computer-based exam conducted at SCI examination centres
- Calculator allowed — check the SCI approved calculator list
For full details on the format, see our PGI passing score and format breakdown.
The 7 Chapters You Need to Master
PGI covers 7 chapters, each focusing on a different type of personal insurance:
| Chapter | Topic | Question Volume |
|---|---|---|
| 1 | Private Motor Car Insurance | Slightly Higher |
| 2 | Personal Property Insurance | Medium |
| 3 | Personal Accident Insurance | Medium |
| 4 | Travel Insurance | Medium |
| 5 | Personal Liability Insurance | Medium |
| 6 | Health Insurance: Critical Illness And Hospital Cash | Medium |
| 7 | Foreign Domestic Worker Insurance And Golfer's Insurance | Lower |
Key insight: Questions are fairly evenly distributed, but Chapter 1 (Motor Insurance) tends to have slightly more questions, while Chapter 7 has fewer. Motor insurance is the bread and butter of personal lines—master it well.
Chapter-by-Chapter Study Strategy
Chapter 1: Private Motor Car Insurance
The most heavily tested chapter. Key concepts:
- Types of motor policies (third-party, comprehensive)
- Excess — the unclaimable portion of each loss
- No-claim discount (NCD) structure
- Policy conditions and exclusions
- Claims procedures
Focus on: Understanding excess, NCD calculations, and what's covered vs. excluded.
Chapter 2: Personal Property Insurance
Covers householder and houseowner policies. Key concepts:
- Named perils vs. all-risks coverage
- Insurers' freedom to decide which perils to cover
- Sum insured and underinsurance
- Policy conditions
Focus on: Understanding that insurers can design products by choosing which perils to insure.
Chapter 3: Personal Accident Insurance
Covers PA policies for individuals. Key concepts:
- Benefits (death, disability, medical expenses)
- Policy definitions
- Exclusions (pre-existing conditions, hazardous activities)
Chapter 4: Travel Insurance
Covers travel policies. Key concepts:
- Personal baggage coverage and exclusions
- Trip cancellation/curtailment
- Medical expenses overseas
- What's NOT covered — unattended baggage, fragile items, baggage sent in advance
Focus on: Know the common exclusions for baggage claims.
Chapter 5: Personal Liability Insurance
Covers personal liability policies. Key concepts:
- Legal liability for bodily injury/property damage
- Subrogation — insurer's right to pursue the wrongdoer in the insured's name
- Policy limits and exclusions
Focus on: Understanding subrogation and how it prevents double recovery.
Chapter 6: Health Insurance
Covers critical illness and hospital cash policies. Key concepts:
- Critical illness definitions
- Hospital cash benefits
- Waiting periods
- Pre-existing condition clauses
Chapter 7: Foreign Domestic Worker Insurance And Golfer's Insurance
Covers niche personal insurance products. Key concepts:
- FDW bond requirements
- Medical and PA coverage for domestic workers
- Golfer's hole-in-one coverage
Note: This chapter has fewer questions, but don't skip it entirely.
CMFAS Prep has a feature that allows you to focus on specific chapters and master the concepts.
CMFAS Prep's Practice by Chapter mode helps you focus on specific chapters and master the concepts.
Your 3-Week Study Plan
Week 1: Core Products (Chapters 1-3)
- Chapter 1: Motor Insurance (high volume—spend extra time here)
- Chapter 2: Personal Property Insurance
- Chapter 3: Personal Accident Insurance
Start with motor insurance—it's the most tested and the most practical for daily work.
Week 2: Travel, Liability & Health (Chapters 4-6)
- Chapter 4: Travel Insurance
- Chapter 5: Personal Liability Insurance
- Chapter 6: Health Insurance
These chapters cover common consumer products you'll encounter regularly.
CMFAS Prep provides instant feedback and explanations to help you understand the concepts better
Week 3: Specialty Products & Review (Chapter 7 + Mock Exams)
- Chapter 7: FDW and Golfer's Insurance
- Take 2-3 full mock exams
- Review weak areas
Pro Tip: Know the Exclusions
PGI questions often test what's NOT covered. For each product type, make sure you know the common exclusions—these are frequently tested and easy marks if you've prepared.
Exam Day Tips
Time Management
You have 75 minutes for 50 questions—that's 1.5 minutes per question. This is comfortable timing, but don't linger too long on difficult questions.
Read Questions Carefully
PGI questions often test specific policy terms and exclusions. Pay attention to words like "NOT covered," "excluded," and "claimable."
CMFAS Prep's performance by chapter feature shows you your weakest chapters after every practice.
Know Your Definitions
Key terms to master:
- Excess vs. franchise
- Subrogation
- Indemnity
- Named perils vs. all-risks
What Products Does PGI Cover?
After passing PGI (along with BCP), you'll be certified to advise on and sell:
- Personal Motor Insurance
- Personal Accident Insurance
- Travel Insurance
- Personal Property Insurance (Householder, Houseowner)
- Personal Liability Insurance
- Health Insurance (Critical Illness, Hospital Cash)
- Foreign Domestic Worker Insurance
- Golfer's Insurance
Your Next Steps
- Understand the format — Read our PGI passing score and exam format guide
- Test yourself — Try our free PGI sample questions
- Start practicing — Begin your PGI preparation with CMFAS Prep
- Register for the exam — Book your slot on the SCI website
Good luck with your PGI exam!
Frequently Asked Questions About PGI Exam
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By The CMFAS Prep Team
Singapore's leading insurance exam preparation platform, helping thousands of candidates pass their certification exams on the first try.
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