1. What does Golfer's Insurance cover?

This insurance insures golfers whilst playing or practicing golf on any golf course or driving range. Cover includes Liability to the Public, Personal Accident to the Insured Person, Medical Expenses, Golfing Equipment, Personal Effects and Hole-In-One.

For more information, please refer to Golfers' Insurance Summary 2023

2. What is covered under this Liability to Public?

It covers your legal liability towards third party for bodily injury as well as accidental loss or damage to property while you are playing or practicing golf on any golf course or driving range.

3. Does it cover me when I play in Malaysia?

Yes, it covers you whilst you are playing or practicing golf on any golf course or driving range, worldwide.

4. Does Golfer's Insurance provide coverage for the golf clubs?

Yes, golfing equipment and golf bags are protected against loss or damage by any accident that occur whilst you are at the golf course or driving range. There is a S$100.00 deductible for each and every loss.

5. Can the sum insured for the benefits in Golfer's Insurance be increased?

No, the sum insured is fixed.

6. If I lost or damaged my golf club at the hotel, will I be covered?

No, loss or damage at hotel is not covered. Loss or damage is covered only if it occurs at any golf course or driving range.

7. What can I claim for if I scored a hole-in-one?

With effect from 1 March 2023, claims for food and beverage expenses up to S$500, for Hole-In-One celebrations will be reimbursable only for celebrations at CGC outlets. For hole-in-one claims, we will require a singular original food and beverage receipts and an authenticated certificate issued by the appropriate golf club stating your scoring a hole-in-one.

Food and beverage receipts dated more than 14 days from your hole-in-one achievement, will not be accepted.

8. How do I make a claim?

You can complete the claim form (obtainable from the Club) and send it together with supporting documents to the Club's office for co-ordination and submission to the insurers.

9. How do I apply for Golfers' Insurance?

Members can contact the Club to make enquiry and apply for the Golfers' Insurance.



1. Having joined Changi a Social Golfing Member (SGM), must I nominate Changi G.C. as my home club if I am a member of another golf club?

No, provided that you play most of your golf at your other club and that they subscribe to the USGA Handicap System.

2. What is Equitable Stroke Control (ESC)?

Equitable Stroke Control or ESC is the downward adjustment of individual hole scores for handicap purposes in order to make handicaps more representative of a player's potential ability. ESC sets a maximum number that a player can record on any given hole, based upon the player's COURSE HANDICAP. A table giving details is posted on the main Club Notice Board.

3. What is the difference between Handicap Index and Course Handicap?

A Handicap Index (H.I.) is USGA service mark used to indicate a measurement of a player's potential ability on a course of standard playing difficulty. It is expressed as a number taken to one decimal point (e.g 10.4) and is used for conversion to a Course Handicap. This conversion is normally displayed on a board on the 1st Tee of the course being played, giving a table of strokes allowed for the course based upon the player's H.I. and the USGA course/slope rating, from a specific set of tee's. A Course Handicap is expressed as a whole number (e.g. 11).

4. What happens if I forget to submit my scorecard within 14 days of the date of play?

If this situation occurs; you will receive a Penalty Score on your handicap record. This Penalty Score will be equal to your lowest handicap differential of the last 12 months.

5. What is Handicap Differential?

A Handicap Differential is the difference between a player's adjusted gross score and the USGA Course Rating of the course played.

6. What is meant by "Adjusted Gross Score"?

An "adjusted gross score" is a player's gross score adjusted under USGA Handicap System procedures for uncompleted holes, conceded strokes, holes not played or not played under the Rules of Golf or Equitable Stroke Control.

7. How is my H.I. calculated?

The Handicap Sub-Committee is responsible for calculating and maintaining the H.I. of all active golfing members. H.I.'s are calculated by taking the 10 lowest of the last 20 scores submitted. A formula is applied to the total and this determines your monthly H.I.

8. What is meant by "Most Likely Score"?

A "most likely score" is the score a player MUST post for handicap purposes if a hole is started but not completed or if the player is conceded a stroke. It consists of the number of strokes already played PLUS, in the player's best judgement the number of strokes the player would take to "hole out". This number must not exceed the player's ESC Limit.



1.New Formula For Ballsweep Pay-Out

Effective from 1 September 2022 onwards, the Club is changing the ball-sweep calculation formula to determine the pay-out for each division and winner. 

The new formula details as follows:

  • For Ladies' events – There will be only a maximum of 2 winners for each division per nine
  • For Men’s events – There will be only a maximum of 3 winners for each division per nine
  • The winners will be determined by OCB should they have the same points.
  • For Ladies - The pay-out will be divided to 60% (1st placing) & 40% (2nd placing)
  • For Men’s – The payout will be divided to 50% (1st placing), 30% (2nd placing) & 20% (3rd placing)
  • The pay-out depends on the number of participations on each division.