Power to delegate
57.—(1) The Council may in respect of a specified matter or class of matters, by writing, delegate any of its functions or duties under this Act to a member of the Council or a committee appointed under section 37(5), except the power of delegation conferred by this subsection.
(2) The Board may in respect of a specified matter or class of matters, by writing, delegate any of its functions, duties or powers under this Act to a member, an officer or a committee of the Board, except the power of delegation conferred by this subsection.
(3) The chief executive officer of the Board may in respect of a specified matter or class of matters, by writing, delegate any of the chief executive officer’s functions, duties or powers under this Act to a member or an officer of the Board, except the power of delegation conferred by this subsection.
(4) An Administrator may in respect of a specified matter or class of matters, by writing, delegate any of its functions, duties or powers under this Act to an officer of the Administrator, except the power of delegation conferred by this subsection.
(5) A recovery body may in respect of a specified matter or class of matters, by writing, delegate any of its powers under this Act to any officer of the recovery body, except the power of delegation conferred by this subsection.
(6) Without affecting the power of delegation under section 36 of the Interpretation Act 1965, any Minister who has the power to issue an approval or a direction under Part 8 may in respect of any specified matter or class of matters, by writing, delegate that power to any public officer.
(7) Every member, officer, committee or public officer purporting to act pursuant to a delegation under this section is, in the absence of proof to the contrary, presumed to be acting in accordance with the terms of the delegation.
(8) A delegation under this section is revocable at will, and no such delegation prevents the exercise of any power, function or duty by the Minister, the Council, the Board, the chief executive officer of the Board, the Administrator or the recovery body (as the case may be) that made the delegation.
Change of address
58.—(1) Subject to subsection (2) —(a)
every insured person who is liable to pay any premium;
(b)
every person who is liable to pay any premium on behalf of an insured person; and
(c)
every person who receives any benefit under the CSHL Scheme or ESH Scheme, including a person who receives any such benefit on behalf of an insured person,
must inform the Board or the Administrator in writing of any change in that insured person’s or that person’s residential address, as the case may be.
(2) If a person has changed the person’s residential address and has made a report of the change under section 10 of the National Registration Act 1965, that person is taken to have informed the Board of the change of that residential address in accordance with subsection (1).
Certificate of officer authorised by Board to be evidence
59.—(1) In any legal proceedings, a copy of an entry in the accounts of the Fund duly certified under the hand of an officer of the Board authorised by the Board to sign the certification is prima facie evidence of the entry having been made and of the truth of the contents of the entry.
(2) In any suit under section 27, the production of a certificate signed by an officer of the Board authorised by the Board to sign the certification stating the following is sufficient evidence of the amount due and sufficient authority for the court to give judgment for that amount:(a)
the name and address of the defaulter or the person from whom the amount is due;
(b)
the amount of the outstanding premium payable by the defaulter or other amount payable by the person from whom the amount is due.
Protection from personal liability
60. No liability shall lie against —(a)
any public officer;
(b)
any member of the Council or of any committee appointed under section 37;
(c)
any member, officer or employee of the Board, the Administrator or a recovery body; or
(d)
any other person acting under the direction of the Council, the Board or the Administrator,
for anything which is done or purported to be done, or omitted to be done, in good faith and with reasonable care in the exercise or purported exercise of any power under this Act, or the performance or purported performance of any function or duty under this Act.
Service of documents
61.—(1) A document that is permitted or required by or under this Act to be served on a person may be served as described in this section.[Act 18 of 2025 wef 01/01/2026]
(2) A document permitted or required by or under this Act to be served on an individual may be served —(a)
by giving it to the individual personally;
(b)
by sending it by prepaid registered post to the address specified by the individual for the service of documents generally, or specifically for the document, or (if no address is so specified), the individual’s residential address or business address;[Act 18 of 2025 wef 01/01/2026]
(c)
by leaving it at the individual’s residential address with an adult apparently resident there, or at the individual’s business address with an adult apparently employed there;
(d)
by affixing a copy of the document in a conspicuous place at the individual’s residential address or business address;
(e)
by sending it by fax to the fax number last known to the person giving or serving the document as the fax number for the service of documents on the individual; or
(f)
by sending it by email to the individual’s last email address.
[Act 18 of 2025 wef 01/01/2026]
(3) A document permitted or required or under by this Act to be served on a partnership (other than a limited liability partnership) may be served —(a)
by giving it to any partner or other similar officer, or an authorised representative, of the partnership;[Act 18 of 2025 wef 01/01/2026]
(b)
by leaving it at, or by sending it by prepaid registered post to, the business address of the partnership;
(c)
by sending it by fax to the fax number used at the business address of the partnership; or
(d)
by sending it by email to the last email address of the partnership.
[Act 18 of 2025 wef 01/01/2026]
(4) A document permitted or required by or under this Act to be served on a body corporate (including a limited liability partnership) or an unincorporated association may be served —(a)
by giving it to the secretary or other similar officer of the body corporate or unincorporated association, or to the manager of the limited liability partnership;
(b)
by leaving it at, or by sending it by prepaid registered post to, the registered office or principal office in Singapore of the body corporate or unincorporated association;
(c)
by sending it by fax to the fax number used at the registered office or principal office in Singapore of the body corporate or unincorporated association; or
(d)
by sending it by email to the last email address of the body corporate or unincorporated association.
[Act 18 of 2025 wef 01/01/2026]
(5) Service of a document under subsection (2), (3) or (4) takes effect —(a)
if the document is sent by fax and a notification of successful transmission is received, on the day of transmission;
(b)
if the document is sent by prepaid registered post, 2 days after the day the document was posted (even if it is returned undelivered); or
(c)
if the document is sent by email, at the time the email becomes capable of being retrieved by the person to whom the document is sent.
(6) However, service of any document under this Act on a person by email may be effected only with that person’s prior written consent to service in that way.[Act 18 of 2025 wef 01/01/2026]
(7) [Deleted by Act 18 of 2025 wef 01/01/2026]
(8) In this section —“authorised representative”, in relation to a partnership (other than a limited liability partnership), means any person authorised to accept service of documents on behalf of the partnership;[Act 18 of 2025 wef 01/01/2026]
“business address” means —(a)
in the case of an individual, the individual’s usual or last known place of business in Singapore; or[Act 18 of 2025 wef 01/01/2026]
(b)
in the case of a partnership (other than a limited liability partnership), the principal or last known place of business in Singapore of the partnership;
“document” excludes the following documents:(a)
any document to be served in proceedings in court;
(b)
any document to be served on the Government or a public authority;
(c)
a demand note mentioned in section 23(2);
(d)
a notice mentioned in section 26(1)(c);
[Act 18 of 2025 wef 01/01/2026]
“last email address” means —(a)
the last email address given, by the addressee concerned to the person giving or serving the document, as the email address for the service of documents under this Act; or
(b)
the last email address of the addressee concerned known to the person giving or serving the document;
“residential address” means an individual’s usual or last known place of residence in Singapore.
Service of demand notes
61A.—(1) A demand note may be served as described in this section.(2) A demand note may be served on a person —(a)
by giving it to the person personally;
(b)
by sending it by prepaid registered post to the address specified by the person generally for the service of documents permitted or required by or under this Act to be served, or specifically for the service of demand notes;
(c)
if no address mentioned in paragraph (b) is so specified, by sending it by prepaid registered post to —(i)
the person’s residential address;
(ii)
the person’s business address; or
(iii)
any correspondence address provided by the person —(A)
in relation to the administration of this Act; or
(B)
in accordance with regulations made under section 64;
(d)
by leaving it at the person’s residential address with an adult person apparently resident there, or at the person’s business address with an adult person apparently employed there;
(e)
by affixing a copy of the demand note in a conspicuous place at the person’s residential address or business address;
(f)
by sending it by fax to the fax number given by the person generally for the service of documents permitted or required by or under this Act to be served, or specifically for the service of demand notes; or
(g)
by sending it by email in any manner provided in subsection (3).
(3) For the purposes of subsection (2)(g), a demand note may be served on a person (A) —(a)
by sending it by email to the last email address given by A to the recovery body as the email address for the service of demand notes under this Act, if A has given prior written consent to service in this manner; or
(b)
by sending it by email to an email address of A, if —(i)
the recovery body sends A an email at that email address;
(ii)
the email contains a prominent notice stating —(A)
that if A sends any reply to the recovery body from that email address, A is treated as consenting to service of any demand note on A by sending it by email to that email address; and
(B)
that A may, at any time, give the recovery body a notice in writing —(BA)
refusing service of any demand note on A by email at that email address; and
(BB)
specifying a valid address or valid email address at which A may be served with a demand note;
(iii)
A sends a reply to the recovery body from that email address and does not give the recovery body the notice mentioned in sub-paragraph (ii)(B) in that reply; and
(iv)
in the period between the date A sends the reply and the date immediately before the day the demand note is served (both dates inclusive), A does not give the recovery body the notice mentioned in sub-paragraph (ii)(B).
(4) Service of a demand note on a person under this section takes effect —(a)
if the demand note is sent by fax and a notification of successful transmission is received, on the day of transmission;
(b)
if the demand note is sent by email, at the time that the email becomes capable of being retrieved by the person; and
(c)
if the demand note is sent by prepaid registered post, 2 days after the day the demand note was posted (even if it is returned undelivered).
(5) In addition, the Minister may by regulations made under section 64 prescribe, in relation to an electronic service of a recovery body, that despite anything in the relevant written law, the provisions of the relevant written law (so far as relevant) apply in relation to the service by the recovery body of a demand note under this Act using the electronic service as they apply to the service of documents permitted or required to be served using the electronic service under the relevant written law, with any exceptions, modifications and adaptations that may be prescribed.
(6) Service of a demand note in accordance with any relevant written law as applied by regulations made for the purpose of subsection (5) takes effect at the time when an electronic record of it enters the person’s account with the electronic service.
(7) This section does not affect the service of a demand note in accordance with any other written law or in any manner agreed by the person to be served.
(8) In this section —“business address” and “residential address” have the meanings given by section 61(8);
“demand note” means a demand note mentioned in section 23(2);
“electronic service”, in relation to a recovery body, means —(a)
if the recovery body is the Board — the electronic service platform provided under section 74(1) of the CPF Act, if prescribed as an electronic service for the purposes of this section;
(b)
if the recovery body is IRAS — the system established under section 29(1) of the Inland Revenue Authority of Singapore Act 1992, if prescribed as an electronic service for the purposes of this section; and
(c)
if the recovery body is any other public authority appointed as a recovery body under section 30 — any system established under any written law that enables the public authority to serve any document, if prescribed as an electronic service for the purposes of this section;
“relevant written law”, in relation to an electronic service, means —(a)
if the electronic service is the electronic service platform provided under section 74(1) of the CPF Act — the CPF Act and any subsidiary legislation mentioned in section 74(4) or (5) of that Act;
(b)
if the electronic service is the system established under section 29(1) of the Inland Revenue Authority of Singapore Act 1992 — any provision or subsidiary legislation mentioned in paragraph (a) or (c) of the definition of “relevant tax legislation” (for any document or information permitted or required by or under such legislation to be served or given) in section 29(7) of that Act; and
(c)
in any other case —(i)
the written law under which the electronic service is established; and
(ii)
any written law that provides for the procedure for the use of the electronic service, the circumstances in which a document may be served through the electronic service, and the manner in which a person who has been served a document through the electronic service is to be notified of such service.
[Act 18 of 2025 wef 01/01/2026]
—(1) A demand note may be served as described in this section.
(2) A demand note may be served on a person —(a)
by giving it to the person personally;
(b)
by sending it by prepaid registered post to the address specified by the person generally for the service of documents permitted or required by or under this Act to be served, or specifically for the service of demand notes;
(c)
if no address mentioned in paragraph (b) is so specified, by sending it by prepaid registered post to —(i)
the person’s residential address;
(ii)
the person’s business address; or
(iii)
any correspondence address provided by the person —(A)
in relation to the administration of this Act; or
(B)
in accordance with regulations made under section 64;
(d)
by leaving it at the person’s residential address with an adult person apparently resident there, or at the person’s business address with an adult person apparently employed there;
(e)
by affixing a copy of the demand note in a conspicuous place at the person’s residential address or business address;
(f)
by sending it by fax to the fax number given by the person generally for the service of documents permitted or required by or under this Act to be served, or specifically for the service of demand notes; or
(g)
by sending it by email in any manner provided in subsection (3).
(3) For the purposes of subsection (2)(g), a demand note may be served on a person (A) —(a)
by sending it by email to the last email address given by A to the recovery body as the email address for the service of demand notes under this Act, if A has given prior written consent to service in this manner; or
(b)
by sending it by email to an email address of A, if —(i)
the recovery body sends A an email at that email address;
(ii)
the email contains a prominent notice stating —(A)
that if A sends any reply to the recovery body from that email address, A is treated as consenting to service of any demand note on A by sending it by email to that email address; and
(B)
that A may, at any time, give the recovery body a notice in writing —(BA)
refusing service of any demand note on A by email at that email address; and
(BB)
specifying a valid address or valid email address at which A may be served with a demand note;
(iii)
A sends a reply to the recovery body from that email address and does not give the recovery body the notice mentioned in sub-paragraph (ii)(B) in that reply; and
(iv)
in the period between the date A sends the reply and the date immediately before the day the demand note is served (both dates inclusive), A does not give the recovery body the notice mentioned in sub-paragraph (ii)(B).
(4) Service of a demand note on a person under this section takes effect —(a)
if the demand note is sent by fax and a notification of successful transmission is received, on the day of transmission;
(b)
if the demand note is sent by email, at the time that the email becomes capable of being retrieved by the person; and
(c)
if the demand note is sent by prepaid registered post, 2 days after the day the demand note was posted (even if it is returned undelivered).
(5) In addition, the Minister may by regulations made under section 64 prescribe, in relation to an electronic service of a recovery body, that despite anything in the relevant written law, the provisions of the relevant written law (so far as relevant) apply in relation to the service by the recovery body of a demand note under this Act using the electronic service as they apply to the service of documents permitted or required to be served using the electronic service under the relevant written law, with any exceptions, modifications and adaptations that may be prescribed.
(6) Service of a demand note in accordance with any relevant written law as applied by regulations made for the purpose of subsection (5) takes effect at the time when an electronic record of it enters the person’s account with the electronic service.
(7) This section does not affect the service of a demand note in accordance with any other written law or in any manner agreed by the person to be served.
(8) In this section —“business address” and “residential address” have the meanings given by section 61(8);
“demand note” means a demand note mentioned in section 23(2);
“electronic service”, in relation to a recovery body, means —(a)
if the recovery body is the Board — the electronic service platform provided under section 74(1) of the CPF Act, if prescribed as an electronic service for the purposes of this section;
(b)
if the recovery body is IRAS — the system established under section 29(1) of the Inland Revenue Authority of Singapore Act 1992, if prescribed as an electronic service for the purposes of this section; and
(c)
if the recovery body is any other public authority appointed as a recovery body under section 30 — any system established under any written law that enables the public authority to serve any document, if prescribed as an electronic service for the purposes of this section;
“relevant written law”, in relation to an electronic service, means —(a)
if the electronic service is the electronic service platform provided under section 74(1) of the CPF Act — the CPF Act and any subsidiary legislation mentioned in section 74(4) or (5) of that Act;
(b)
if the electronic service is the system established under section 29(1) of the Inland Revenue Authority of Singapore Act 1992 — any provision or subsidiary legislation mentioned in paragraph (a) or (c) of the definition of “relevant tax legislation” (for any document or information permitted or required by or under such legislation to be served or given) in section 29(7) of that Act; and
(c)
in any other case —(i)
the written law under which the electronic service is established; and
(ii)
any written law that provides for the procedure for the use of the electronic service, the circumstances in which a document may be served through the electronic service, and the manner in which a person who has been served a document through the electronic service is to be notified of such service.
General exemption
62. The Minister may, by order in the Gazette, exempt any person or class of persons from all or any of the provisions of this Act, either generally or in a particular case and subject to such conditions as may be specified in the order.
Amendment of First and Fourth Schedules
63.—(1) The Minister may, by order in the Gazette, amend, add to or vary the First Schedule or Fourth Schedule.[Act 18 of 2025 wef 01/01/2026]
(2) The Minister may, in any order made under subsection (1), make such incidental, consequential or supplementary provisions as may be necessary or expedient.
(3) Any order made under subsection (1) must be presented to Parliament as soon as possible after publication in the Gazette.
[Act 18 of 2025 wef 01/01/2026]
—(1) The Minister may, by order in the Gazette, amend, add to or vary the First Schedule or Fourth Schedule.[Act 18 of 2025 wef 01/01/2026]
(2) The Minister may, in any order made under subsection (1), make such incidental, consequential or supplementary provisions as may be necessary or expedient.
(3) Any order made under subsection (1) must be presented to Parliament as soon as possible after publication in the Gazette.
Regulations
64.—(1) The Minister may make regulations necessary or convenient for carrying out the purposes and provisions of this Act.
(2) Without limiting subsection (1), such regulations may —(a)
provide for the different classes of persons who are to be covered under the CSHL Scheme under section 6(1)(c);
(b)
provide for determination of insurance periods under the CSHL Scheme and ESH Scheme;
(c)
provide for the commencement of insurance cover under the CSHL Scheme;
(d)
despite sections 6(1) and 11(1), provide for the circumstances in which the insurance cover ends for a person under the CSHL Scheme and ESH Scheme, the date on which such insurance cover ends, and for the reinstatement of a person as an insured person in certain circumstances, including —(i)
refunds and payments to be made to adjust for such changes (including payments, in certain circumstances and to certain persons, of goodwill sum and the treatment of payments of goodwill sum as payments of insured sum when a person is reinstated as an insured person);
(ii)
interest paid into a person’s medisave account to be deducted and paid to the general moneys of the Central Provident Fund; and
(iii)
payments that a person is liable to make under this Act to be deducted from payments due to that person under this Act, to adjust for such changes;
(e)
prescribe the benefits payable under the CSHL Scheme and ESH Scheme (which may differ for different classes of insured persons) and provide for claims for such benefits, including providing for any payments which an insured person is liable to make under this Act to be deducted from the benefits payable to that person or the approved payee;
(f)
prescribe the circumstances for imposing and the manner of computing premiums (which may be at different rates for different classes of insured persons), interest (including compound interest) under section 23 and penalties imposed under section 29, and the order in which payments are applied to such premiums, interest and penalties, and provide for waiver of interest;
(g)
prescribe the circumstances in which premiums, interest under section 23 and penalties imposed under section 29 are payable by a person (other than an insured person) and may be deducted from that person’s medisave account under section 14(4);
(h)
provide for any payment under this Act to be deducted from the medisave account of the person liable to make that payment;
(i)
provide for the refund of any premium, interest under section 23, penalty under section 29 or other payment made under this Act (called in this paragraph the refunded payment), including —(i)
the rate, manner or circumstances for the refund to be made;
(ii)
for any payments which the insured person is liable to make under this Act to be deducted from the amount to be refunded; and
(iii)
if the refunded payment was deducted from an account of a CPF member in the Central Provident Fund, the refund, to that or any other account of that CPF member in the Central Provident Fund, of the whole or such part of the interest which would have been payable if the refunded payment had not been so deducted;
(j)
prescribe the fees and charges for the purposes of this Act;
(k)
provide in respect of any offence under the regulations —(i)
in a case where the offender is an individual, for a penalty not exceeding a fine of $5,000 or imprisonment for a term not exceeding 12 months or both for each offence; or
(ii)
in any other case, for a penalty not exceeding a fine of $10,000 for each offence;
(l)
regulate the participation of insurers in Supplement Schemes, including prescribing terms of supplementary disability insurance policies offered under any Supplement Scheme and where a CPF member or the CPF member’s dependant is insured under a Supplement Scheme —(i)
the withdrawal of money from the CPF member’s medisave account for the payment of any premium payable by the member or the member’s dependant in respect of the Supplement Scheme;
(ii)
the refund or repayment of any premium paid by the member or the member’s dependant in respect of the Supplement Scheme, the circumstances under which any such refund or repayment will be made, and the determination of the manner in which any such refund or repayment will be made (including the person who will make any such determination);
(iii)
the payment of any rebate given in respect of the Supplement Scheme, the circumstances under which any such payment will be made, and the determination of the manner in which any such payment will be made (including the person who will make any such determination); and
(iv)
the requirement for such insurer to pay administrative fees to the Board for any material change or error in relation to any withdrawal, refund or payment by the Board arising from incorrect information provided by the insurer or from such other circumstances as may be prescribed;
(m)
make saving and transitional provisions for —(i)
the former ElderShield Scheme; and
(ii)
an insurance scheme administered by an insurer approved by the Minister, in the case of the revocation of the regulations made under section 77(1)(k) of the CPF Act applying to that insurance scheme,
including for the payment of benefits, the recovery of premiums payable and the refund of payments made under the former ElderShield Scheme on or after 1 October 2020 or under the insurance scheme mentioned in sub‑paragraph (ii) on or after the revocation of those regulations, as the case may be;
(n)
make financial provisions in relation to the Fund, the CSHL Scheme and ESH Scheme, including the audit of the Fund and the CSHL Scheme and ESH Scheme and the submission of reports on the administration and enforcement of the Fund or the CSHL Scheme and ESH Scheme; and
(o)
prescribe anything that is required or permitted to be prescribed under this Act.
(3) The regulations may make different provisions for different classes of persons.
(4) All regulations made under this Act must be presented to Parliament as soon as possible after publication in the Gazette.
Source: Singapore Statutes Online (Attorney-General's Chambers), © Government of Singapore.
