Enhanced Public Housing Contents Insurance (EPHCI)

Enhanced Public Housing Contents Insurance (EPHCI)

AIG Enhanced Public Housing Contents Insurance (EPHCI)

Step up your existing HDB Fire Insurance to protect your renovated items, furniture, valuables, and even personal liability for you and your immediate family.


Special features of the AIG EPHCI Plan:

Cover for loss or damage to your fixtures and fittings, furniture and other personal effects
Cover for worldwide personal liability
Free worldwide personal accident cover
Cover for your utility bills following unforeseen events including retrenchment

Common Questions

I own a private apartment. Can I buy EPHCI?

EPHCI is only available for HDB flats. If you wish to insure your landed residential properties, condominiums and private apartments, please check out AIG Homes Complete at www.SAFRA.sg/HomesComplete for the SAFRA-exclusive price. Or check out www.aig.sg/home-insurance for more details.
Do I have to be insured under HDB Fire Insurance to make a claim under the building cover?

No. Homeowners without HDB Fire Insurance can still make a claim under EPHCI’s building cover. However, if the homeowner is a HDB Fire Insurance policyholder, EPHCI serves to supplement the insured’s HDB Fire Insurance policy or its equivalent policy. Hence, in the event of an insured peril, the insured must first make a claim under HDB Fire Insurance or its equivalent policy before submitting a claim under EPHCI building cover. We will then provide reimbursement for the balance amount for loss/damage that is not claimable under the abovementioned policies.
Is there a difference in my premium if I move from a 3-room flat to a 5-room flat?

There is no difference in the premium across the different HDB flat types.


Product Brochure

Policy Wording


Contact Information

1. Have questions regarding your policy or claims?
Call the AIG Hotline at 6419 3000 or send us a message here.
2. Need to file a claim?
Simply click here and follow the on-screen instructions to proceed.

Important Notes:

AIG EPHCI is underwritten by AIG Asia Pacific Insurance Pte. Ltd. (AIG). SAFRA does not hold itself out to be an insurer, insurance broker or insurance agent. Please refer to the Policy for the specific terms, conditions and exclusions of this Policy. No insurance is in force until the Proposal Form is accepted by AIG in accordance with the Policy terms and conditions.

AIG EPHCI Policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these Policies is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites.

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