PGI Passing Score & Exam Format 2026: Complete Guide (Personal General Insurance)
PGI passing score is 70% (35/50 questions). Full breakdown of the Personal General Insurance exam format 2026: 50 questions, 75 minutes, calculator policy, and how to register with SCI.
Understanding the PGI exam format is essential before you start studying. This guide breaks down exactly what you need to know about the Personal General Insurance certification exam.
Quick Summary: 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)
- Exam Mode: Computer Screen Examination (CSE)
- Current Edition: 7th Edition
The PGI Passing Score: 70%
The PGI exam uses a straightforward single-tier passing system. You need to achieve 70% or higher to pass—that means answering at least 35 out of 50 questions correctly.
What Does 70% Mean in Practice?
| Score | Questions Correct | Result |
|---|---|---|
| 70%+ | 35+ out of 50 | PASS |
| Below 70% | 34 or fewer | FAIL |
You have a margin of 15 wrong answers. This is achievable with proper preparation, but don't underestimate the exam—PGI covers a wide range of personal insurance products.
Scoring Rules
- One mark is awarded for each correct answer
- No mark is awarded or deducted for wrong or blank answers
- There is no negative marking, so always attempt every question
Exam Structure: 50 Questions, 75 Minutes
The PGI exam gives you 75 minutes to complete 50 multiple-choice questions. This works out to 1.5 minutes per question —comfortable timing that allows you to read questions carefully.
Time Management Strategy
| Section | Suggested Approach |
|---|---|
| First Pass | Answer all questions you're confident about (40-50 minutes) |
| Second Pass | Return to flagged/uncertain questions (15-20 minutes) |
| Final Review | Check answers if time permits (5-10 minutes) |
CMFAS Prep provides instant feedback and explanations to help you understand the concepts better
The 7 Chapters Covered
PGI tests your knowledge across 7 chapters of personal insurance products:
| Chapter | Topic |
|---|---|
| 1 | Private Motor Car Insurance |
| 2 | Personal Property Insurance |
| 3 | Personal Accident Insurance |
| 4 | Travel Insurance |
| 5 | Personal Liability Insurance |
| 6 | Health Insurance: Critical Illness And Hospital Cash |
| 7 | Foreign Domestic Worker Insurance And Golfer's Insurance |
Question Distribution: Chapter 1 (Motor Insurance) tends to have slightly more questions, while Chapter 7 has fewer. All other chapters are fairly evenly distributed.
CMFAS Prep's Practice by Chapter mode helps you focus on specific chapters and master the concepts.
PGI vs. Other CGI Modules
How does PGI compare to the other modules in the CGI framework?
| Module | Questions | Duration | Passing Score | Chapters |
|---|---|---|---|---|
| BCP | 40 | 45 min | 70% | 9 |
| PGI | 50 | 75 min | 70% | 7 |
| ComGI | 50 | 75 min | 70% | 9 |
PGI and ComGI have identical formats (50 questions, 75 minutes). PGI has fewer chapters (7 vs. 9) but covers them in similar depth.
Calculator Policy
Calculators are allowed for the PGI exam. However, only non-programmable calculators from the approved list are permitted.
Check the SCI approved calculator list before purchasing or bringing a calculator.
Tips:
- Bring your calculator even if you're not sure you'll need it
- Practice with your calculator before exam day
- Calculations may appear in motor NCD or premium questions
Exam Registration and Fees
Exam Fee: $75–$85 SGD (inclusive of GST)
How to Register:
- Create an account on the SCI website
- Navigate to exam registration
- Select PGI and your preferred date/time
- Pay the exam fee
- Receive confirmation
Exam Schedule: PGI examinations are conducted daily on weekdays at SCI examination centres.
What to Bring on Exam Day
Required:
- Original NRIC (for Singapore Citizens/PRs) or valid Passport/Employment Pass
- Exam confirmation
Allowed:
- Approved non-programmable calculator
Not Allowed:
- Mobile phones (must be switched off and stored)
- Notes or study materials
- Programmable calculators
What Happens If You Don't Pass?
If you score below 70%:
- No limit on re-attempts—you can resit as many times as needed
- Full exam fee applies for each attempt
- Review your weak chapters before reattempting
Pro Tip: Practice Before You Book
Take a few practice tests before booking your exam date. This helps you gauge your readiness and identify which chapters need more work.
CMFAS Prep's performance by chapter feature shows you your weakest chapters after every practice.
The AI Recommendation Engine in CMFAS Prep creates personalized quizzes based on your weakest areas after every mock exam.
After Passing PGI
Upon passing PGI:
- You'll receive a Result Slip (no certificate is issued)
- Combined with BCP, you'll have the Personal General Insurance Certification
- You'll be entitled to 1.25 CPD Hours
- You can proceed to take ComGI if you want the full Cert SCI (General Insurance) designation
Your Next Steps
- Create your study plan — Follow our complete PGI study guide
- Test yourself — Try our free PGI sample questions
- Start practicing — Begin your PGI preparation with CMFAS Prep
Now that you understand the format, it's time to start studying!
Frequently Asked Questions About PGI Exam Format
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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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