AIG Enhanced Public Housing Contents Insurance (EPHCI)

Enhance your existing HDB Fire Insurance with AIG’s home contents cover to protect your home renovations, 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
  • Get up to S$100 worth of HomeCare Services, twice a year, for everyday emergencies such as lock smith, electrical assistance, plumbing and pest control services.

Sign up for Enhanced Public Housing Contents Insurance (EPHCI)*.

*Please note that you will be directed to external websites hosted by AIG which are not managed by SAFRA. Note that you are solely responsible for the personal data that you provide and your personal data shall be subject to their personal data policies.

Common Questions

I own a private apartment. Can I buy EPHCI?

EPHCI is only available for HDB flat owners. If you wish to insure your landed residential properties, condominiums and private apartments, please check out AIG Homes Complete for the SAFRA-exclusive price.


Do I have to be insured under HDB Fire Insurance to make a claim under the building cover?

No. Homeowners without HDB Fire Insurance or an equivalent policy 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 or its equivalent policy. Hence, in the event of damage or loss the HDB flat, the insured must first make a claim under HDB’s Fire Insurance or its equivalent policy before submitting a claim under the 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.

Policy Wording


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.