Financial Information

School Fees Structure

School fee rates
Year 2025 Monthly School Fees


Category	Sec 1 to Sec 2	Sec 3 to Sec 4	JC1 to JC 2
Singapore Citizen	$300	$350	$350
Singapore Permanent Resident	$920	$970	$1,060
International Student (ASEAN)	$1,360	$1,430	$1,660
International Student (Other Countries)	$2,370	$2,430	$2,800

Note:
1) School fees will be adjusted accordingly for pupils under Scholarships or Special Programmes.
2) School fees may be subject to review and revision by the school.

School fees payable by Singaporean students on MOE Scholarship

Please note that the annual award quantum cap of $2,400 for all MOE scholarships will apply to all students.

The Edusave or any other MOE Scholarships will cover the school fees of $200 per month and the student needs to pay the balance of the monthly school fees to HCI unless the student is also a recipient of MOE Independent School Bursary (ISB).

School fees payable by Singaporean students on MOE Independent School Bursary (ISB)

Please refer to below for more details on ISB scheme and school fee rates.

School fees payment

The school fees payable is structured by spreading an annual fee over 12 months of the academic year. As such, students who join in February have to pay fees for January; and those who leave on or after 5^th October will have to pay fees for November and December.

School fees will be deducted through Interbank Giro on 15th of each month; or the next working day if the 15th day of the month falls on a weekend or Public Holiday, unless otherwise advised.

Giro Collection Dates For Sec 1 school fees


Month	Date of Giro Collection
Jan-Feb-25	27 Mar 2025
Mar-Apr-25	29 Apr 2025
May till Sep-25	15th day of each month or the next working day if the 15th day of the month falls on a weekend or Public Holiday
Oct-25	01 Oct 2025
Nov-25	15 Oct 2025
Dec-25	03 Nov 2025

Giro Collection Dates For Sec 2 to 4 school fees


Month	Date of Giro Collection
Jan till Sep-25	15th day of each month or the next working day if the 15th day of the month falls on a weekend or Public Holiday
Oct-25	01 Oct 2025
Nov-25	15 Oct 2025
Dec-25	05 Nov 2025

Interbank Giro Application Form

It is compulsory for all students to take part in the Inter-bank Giro scheme. Parents / guardians are to submit the Interbank Giro application form for the scheme upon admission of their child/ward to HCI.This is to facilitate the school to collect school fees and any other fees as may be required from time to time.

The application form is available here for download.

Financial Assistance / Awards

A range of financial assistance schemes, scholarships and awards are available to support our students.

(A) Awards and scholarships offered by MOE:

1 . MOE Edusave Scholarships for Students of Independent Schools (ESIS)
2 . MOE Edusave Awards

Edusave Merit Bursary (EMB)
Good Progress Awards (GPA)
Edusave Awards for Achievement, Good Leadership and Service (EAGLES)
Edusave Character Awards (ECHA)

3 . MOE Special Programme Scholarships

(B) Financial Assistance Schemes:

1 . Independent Schools Bursary Scheme (ISB)
- For Singaporean Citizens only (details please refer to ISB Section)

2 . Hwa Chong Institution Needy Pupils Fund
- For all students

3 . Opportunity Fund (OF) / MOE Discretionary School-Based FAS
- For Singaporean Citizens to fund overseas study trips and enrichment programmes

Students who require financial assistance at any point of time can approach either their Form teachers or Head of Consortium for advice on the application for the above funds.

4 . Trip for Internationalization Experience (TIE)
- For Singapore Citizens, the TIE provides a subsidy for overseas learning journeys to Asia with a focus on ASEAN countries, school immersion programmes and student exchange programmes with a cultural focus. The TIE fund needs no application and is granted to all Singaporean students who are going on eligible overseas trips.

(C) Other Bursary and Scholarship schemes:

Singapore Buddhist Lodge Bursary
The Straits Times School Pocket Money Fund
Koh Brothers Scholarship
Koh Choon Joo Scholarship
Tan Sri Dr Tan Chin Tuan Scholarship
Irene Tan Liang Kheng Scholarship (from Yr 2020)
Singapore Buddhist Youth Mission Bursary Award

Students and parents will be notified of application times on IEMB, ISP and other communication channels used by the School.

(D) HCI Awards (through nomination by school):

Annie Tan (Mrs Wan Boo Sow) Bilingual Award
Trilingual Award
Hwang Fu Award
Xue Yong Shu Model Student Award
Zheng An Lun Model Student Award
Tooh Fee San All-Round Excellence Award
Leong Heng Keng Venture Scouts Award
Leong Heng Keng Boy Scouts Award
Lee Tai Hui Boy Scouts Award
Lee Tai Huo Venture Scouts Award
Top Students Award
HCI EAGLE Award
HCI ECHA Award

MOE Independent School Bursary (ISB) Scheme

Eligibility Criteria

Student is a Singapore Citizen, and meets either the gross monthly household income (GHI) or per capita income (PCI) criterion shown in the table below.

Tenure of Bursary

All MOE ISB approved will be valid till December of the year or when your child is no longer eligible for financial assistance, whichever is earlier. Fresh applications will have to be submitted for each school year.

Effective Month

Student can apply for MOE ISB at any time of the year. It will take effect in the month the application is approved. There will be no backdating of the effective month.

Newly admitted students are to submit their ISB application latest by end Feb 2025 for ISB subsidy to take effect from Jan 2025.

Income Criteria and Benefits

The income limits and benefits for Year 2025are as shown in the tables below:

Income Criteria
(Meet one of the following criteria)

Monthly Gross Household Income (GHI)	Monthly Gross Per Capita Income (PCI)	Benefits
Not exceeding $3,000	Not exceeding $750	* 100% subsidy of school fees * Free textbooks and school attire at Secondary level; Annual bursary of $1,200 at Pre-university level * Transport Subsidy (for students taking public transport): $17 per month from the month of approval, up to $204 per annum, to be paid quarterly on end Apr, Jun, Sep and Dec. * School meal subsidies for 10 meals per school week for Secondary level, to be paid quarterly on end Apr, Jun, Sep and Dec. * UPLIFT Scholarship^ of $1,000 cash award per annum for students admitted via DSA and/or ESIS recipients
$3,001 - $4,400	$751 - $1,100	* School fee rate per month: Pre-university level MOE Scholar: $0.00 Non-MOE Scholar: $33.00 to be funded by MOE’s School Based Financial Assistance Scheme, no fee payable this year. Secondary level MOE Scholar: $0.00 Non-MOE Scholar: $25.00 to be funded by MOE’s School Based Financial Assistance Scheme, no fee payable this year. * UPLIFT Scholarship^ of $1,000 cash award per annum for students admitted via DSA and/or ESIS recipients
$4,401 - $7,500	$1,101 - $1,875	* School fee rate per month: Pre-university level MOE Scholar: $0.00 Non-MOE Scholar: $49.50 Secondary level MOE Scholar: $0.00 Non-MOE Scholar: $37.50
$7,501 - $10,000	$1,876 - $2,500	* School fee rate per month: Pre-university level MOE Scholar: $34.50 Non-MOE Scholar: $234.50 Secondary level MOE Scholar: $1.00 (Sec 1 & 2); $34.50 (Sec 3 & 4) Non-MOE Scholar: $201.00 (Sec 1 & 2); $234.50 (Sec 3 & 4)

^ No separate application is required; please refer to MOE’s website for more details.

To download the 2025 ISB Application Form click here

To apply for the 2025 ISB Application Online click here

Students need only satisfy either the monthly Gross Household Income (GHI) or the PCI criterion to qualify for ISB. More information can be found in the Annex I of the ISB Application Form.

Completed ISB Application Form, together with required supporting documents are to be submitted to High School or College Reception Office.

Student Insurance Matter

(I) MOE GROUP PERSONAL ACCIDENT INSURANCE FOR STUDENTS

Insurer

Income Insurance Ltd (Income Insurance)

Coverage

All students are automatically insured under the Group Personal Accident (GPA) Insurance which covers death, permanent and total/partial disability and medical expenses due to an accident. The proximate or triggering causes of injuries must be reasonably attributed to an accident.

The GPA Insurance covers each student when that student is:

(a) In his or her school;

(b) Participating in the school’s activities, or any activity related to or endorsed by the school, including Home-Based Learning (HBL), Co-Curricular Activities (“CCAs”) and sports, regardless of the time at which such activities are conducted and whether the activities are conducted in the school, in Singapore, or elsewhere;

(c) Commuting from (or to) his or her place of residence, including a hostel, to (or from) either the school’s premises or the place where an activity covered by the GPA Insurance will be conducted, including any reasonable deviations. For the avoidance of doubt, the student’s place of residence may include a place that is not in Singapore

Please refer to the GPA Factsheet for details of Benefits/Sum Insured and other important information.

Information on claims, FAQs and other details pertaining to the MOE GPA Insurance Plan for students can also be found on Income’s website at https://www.income.com.sg/studentgpa

Claim Submission Procedure

Parents/guardians will have to pay for medical treatments upfront, before submitting claims to Income Insurance Limited (Income Insurance) for reimbursement. Please note the applicable limits and coverage for medical expenses. Ineligible expenses or expenses in excess of the limits will be borne by the students/parents/guardians.

Parents/guardians should also take note that medical treatments at private hospitals will typically cost higher, and parents/guardians may need to pay more out-of-pocket expenses if treatment costs exceed the policy’s coverage limits.

All claims must be submitted online by parents/guardians as soon as possible subjected to a cap of 365 days from the date of accident, via the Income’s GPA Claim Portal at https://studentgpa.incomegroupins.com.sg

Please submit all required documents as listed in the GPA Factsheet

Parents/guardians can also access the above Claim Portal to follow up on claim submission and make enquiry on claim status.

(II) MOE TRAVEL INSURANCE

Insurer

Income Insurance Ltd (Income Insurance)

Coverage

MOE Schools Travel insurance covers accidental death, injury, sickness, loss or damage, legal liability or other specified event occurring to students and teacher chaperones during their school trips.

The school will purchase travel insurance from Income for the travel group. Premium for students will be recovered by the school as part of the overseas trip costs.

Parents/Guardians can refer to GTI Factsheet (Students) for the Benefit Summary and other important information and GTI FAQ for parents for Frequently Asked Questions and Answers.

Claim Submission Procedure

Personal travel insurance claims such as medical expenses/benefits or baggage loss/damage (where 100% of the settlements are to be paid to the individual claimants) are be submitted directly by the parents/guardians to Income.

Insurance claims involving recovering of group trip costs (eg airfare for the group in the case of cancelled trip) for school’s subsidized trips will be submitted by the school.

All claims must be submitted using either the Income Online Claims Portal OR MOE Travel Claims Form.

Online Claims Portal

Please submit via: https://onlinetravelclaim.income.com.sg/travel-claim-web/travel
(Reference: GTI Claim Portal User Guide)

MOE Travel Claims Form

1. Copy of the claims form can be downloaded from: https://www.income.com.sg/claims/travel-claims (Select “Ministry of Education Travel claim form”). The required supporting documents for claims submission can be found in Page 2 of the claims form. Note that the claims form to be endorsed and stamped by the school.

2. Email the completed claims form, together with supporting documents to Income team at plineclaims@income.com.sg

3. Please indicate travel policy number in the subject matter. Total file size of email attachments must not exceed 30MB.

Note that claims must be submitted to Income with supporting documents within 60 days from the date of the event, whereby event refers to injury or incident.

For enquiries on claim matters such as claim status, or further submission of supporting documents, please email govclaim@income.com.sg