Financial Information

Find out about 2026 school fee rates, financial aid schemes, and student insurance coverage available at Hwa Chong Institution.

Last updated 8 July 2026

School Fees Structure

School fee rates
Year 2026 Monthly School Fees

Monthly school fees by student category and level, 2026

Category	Sec 1 to Sec 2	Sec 3 to Sec 4	JC 1 to JC 2
Singapore Citizen	$300	$350	$350
Singapore Permanent Resident	$1,030	$1,030	$1,130
International Student (ASEAN)	$1,500	$1,500	$1,800
International Student (Other Countries)	$2,600	$2,600	$2,950

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 JC 1 school fees

GIRO collection dates for JC1 school fees, 2026

Month	Date of Giro Collection
Jan-Feb-26	30 Mar 2026
Mar-Apr-26	29 Apr 2026
May till Sep-26	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-26	01 Oct 2026
Nov-26	15 Oct 2026
Dec-26	02 Nov 2026

Giro Collection Dates For JC 2 school fees

GIRO collection dates for JC2 school fees, 2026

Month	Date of Giro Collection
Jan till Sep-26	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-26	01 Oct 2026
Nov-26	15 Oct 2026
Dec-26	02 Nov 2026

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 (opens in new tab) 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) (opens in new tab)
2 . MOE Edusave Awards (opens in new tab)

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 teacher-in-charge 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:

HCJC Alumni Bursary
Lin Hsiang Scholarship
Loo Geok Eng Foundation Scholarship
Seah Boon Thong Book Prize
Singapore Buddhist Lodge Bursary
The Straits Times School Pocket Money Fund
Tan Sri Dr Tan Chin Tuan Scholarship

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):

Ang Wee Hiong All-Round Excellence Award
Annie Tan (Mrs Wan Boo Sow) Bilingual Award
HCI ECHA Award
Lim Nai Tian Community Service Award
Ong Teng Cheong Outstanding Leadership Award
SCCCI Academic Excellence Award
Tan Keong Choon 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 2026 for ISB subsidy to take effect from Jan 2026.

Income Criteria and Benefits

The income limits and benefits for Year 2026 are as shown in the table below:

Income Criteria
(Meet one of the following criteria)

MOE Independent School Bursary income criteria and benefits, 2026

Monthly Gross Household Income (GHI)	Monthly Gross Per Capita Income (PCI)	Benefits
Not exceeding $4,000	Not exceeding $1,000	100% subsidy of school fees Free textbooks and uniforms for secondary level Annual bursary of $1,600 for pre-university level Transport Subsidy (for students taking public transport): $21 per month from the month of approval for secondary level, 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 $1,200 cash award per annum for students admitted via DSA and/or ESIS recipients
$4,001 - $5,500	$1,001 - $1,375	* School fee rate per month: Pre-university level MOE Scholar: $0.00 Non-MOE Scholar: $33.00 to be funded by MOE School-based Financial Assistance Scheme, no fee payable for the year. Secondary level MOE Scholar: $0.00 Non-MOE Scholar: $25.00 to be funded by MOE School-based Financial Assistance Scheme, no fee payable for the year. * UPLIFT Scholarship^ of $1,200 cash award per annum for students admitted via DSA and/or ESIS recipients
$5,501 - $9,000	$1,376 - $2,250	* 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
$9,001 - $12,000	$2,251 - $3,000	* 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)

^For Uplift Scholarship, no separate application is required; please refer to MOE’s website (opens in new tab) for more details.

Please click on this link: https://go.gov.sg/moe-efasis (opens in new tab) to apply for 2026 MOE Independent School Bursary.

Student Insurance Matter

(I) MOE GROUP PERSONAL ACCIDENT INSURANCE FOR STUDENTS

MOE Group Personal Accident Insurance policy details and claims procedure

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 (opens in new tab) 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 (opens in new tab)

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 (opens in new tab)

Please submit all required documents as listed in the GPA Factsheet (opens in new tab)

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

MOE Travel Insurance policy details and claims procedure

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) (opens in new tab) for the Benefit Summary and other important information and GTI FAQ for parents (opens in new tab) 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 (opens in new tab)
(Reference: GTI Claim Portal User Guide (opens in new tab))

MOE Travel Claims Form

1. Copy of the claims form can be downloaded from: https://www.income.com.sg/claims/travel-claims (opens in new tab) (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 (opens in new tab)

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 (opens in new tab)