CPE, Student Contract, Fee Protection Scheme and Medical Insurance

The Committee for Private Education (CPE) was appointed by SkillsFuture Singapore (SSG) Board in October 2016 to carry out its functions and powers relating to private education under the Private Education Act. Under the act, schools are referred to as Private Education Institutions (PEIs). All PEIs must comply with all Private Education Act regulations in order to operate.

GEMS World Academy (Singapore) is registered as a Private Education Institute by the Committee for Private Education.

CPE Registration Number: 200803726H
Period of Registration: 19 March 2017 to 18 March 2021

GEMS World Academy (Singapore) has been granted the EduTrust (four-year) award.
EduTrust Certificate No: EDU-2-2082
Date of Issue: 27 July 2016
Date of Expiry: 26 July 2020

For information regarding the Committee for Private Education, details regarding the Private Education Act, as well as additional clarity on the EduTrust certification, please visit their website at

Student Contract

The Student Contract is an important document which binds the school and student. This legal document protects the rights and conditions of the Student whilst enrolled at a Private Education Institution (PEI), in this case, GEMS World Academy (Singapore). It is a legal requirement from the CPE that all students must enter into the Student Contract prior to commencing at GEMS World Academy (Singapore). This contract ensures that there is a transparent arrangement in place between the student, their legal guardians and the PEI.

During the admissions process, families submit a range of application documents for initial review. Once these documents have been considered and an offer made to the student, the family is provided with the GEMS (Singapore) Student Contract. Only once the family has reviewed the contract, signed and returned this document, is the place at GEMS (Singapore) confirmed. Invoicing for the appropriate school fees occurs once the admissions and contract process has been completed.

View a sample of the GEMS World Academy (Singapore) Student Contract

Fee Protection Scheme (FPS Insurance)

As a core part of the outcomes surrounding the Private Education Act, all students' fees must be insured under the Fee Protection Scheme (FPS). The FPS serves to protect student fees in the event that a Private Education Institute (PEI) is unable to continue operations due to insolvency and/or a regulatory closure. Furthermore, the FPS protects the student if the PEI fails to pay penalties or to return fees to the student/s arising from judgements made against the PEI by the Singapore Courts.

EduTrust certified PEIs must ensure they have the FPS in place, thereby making certain there is full protection on all fees paid by Students. All fees refer to all monies paid by the Students to be enrolled in a private education institution, excluding the one-time registration fee, the one-time admissions fee, agent commission fee (if relevant), miscellaneous fees (non-compulsory and non-standard fee paid only when necessary or where applicable e.g. IGCSE examination fees)

Under the EduTrust guidelines, PEIs may choose to implement the escrow scheme, insurance scheme, or a combination of both to provide fee protection to all their Students.

Click here to view the Lonpac Insurance Certificate.

Fee Protection Under The Insurance Scheme (FPS) at GEMS Singapore

GEMS (Singapore) will purchase the FPS Insurance on the Students’ behalf. The FPS Insurance protects students against the following circumstances:

  • Loss of tuition fees paid in advance by the insured Student to GEMS (Singapore) and not refunded, if the Student cannot start or complete his/her course (grade) as a result of GEMS (Singapore) becoming insolvent or being required by the Singapore authorities to cease operations
  • GEMS (Singapore) fails to pay the amount awarded by Singapore Courts to the insured Student, where such finding relates to a dispute between GEMS (Singapore) and the insured Student on course fees paid by the insured Student to GEMS (Singapore)
  • S$10,000 benefit payable covering the insured Student's accidental death or total permanent disability by accident

GEMS (Singapore) has appointed LONPAC Insurance Bhd, a CPE- approved insurance company, to be the FPS provider for our students.

FPS Certificate of Insurance

Upon payment of the insurance premium, LONPAC Insurance Bhd and GEMS (Singapore) will issue a Certificate of Insurance to the insured Student directly via email, within seven (7) working days after confirmation of tuition fees received. A copy of the individual Student's Certificate of Insurance is available upon request. 

FPS Claim Process

Should there be a need to make a claim, the insured student must produce the following:

  • FPS Certificate of Insurance
  • Identity card, passport and other proof of identity
  • Original tuition payment receipts provided by GEMS (Singapore).

LONPAC Insurance Bhd will notify all insured students of the relevant claim procedures that must be followed.

In the event that a Student needs to make a claim, under this scheme the CPE or designated Singapore Government authority, may take charge, provide information to affected parties, and coordinate the claims process, as appropriate.

Medical Insurance

GEMS (Singapore) has a medical insurance scheme in place for all students. This is a core requirement as a PEI registered with CPE and additionally certified through the EduTrust scheme. For this insurance, we have selected AXA Insurance Singapore Pte Ltd as the provider, with insurance paid for by GEMS (Singapore).

Click here to view the Medical Insurance Certificate.
Click here to view information regarding medical insurance coverage.

This medical insurance provides for annual coverage of a maximum S$20,000 per student, in B1 ward in government and restructured hospitals.

Students who need to make a claim under the medical insurance policy should submit this claim form and original medical bills to the School Health Center or to their relevant Division Principal. 

Copyright © 2013 - 2018 GEMS Education. All Rights Reserved.
CPE registration number: 200803726H, 19 March 2017 to 18 March 2021
EduTrust certificate number: EDU-2-2082, 27 July 2016 to 26 October 2020
CEEB Code: 687248