Work Injury Compensation Act (WICA)

Who is covered
Any local or foreign employee who is under a contract of service or contract of apprenticeship, regardless of salary, age or nationality.

What you can claim
• Medical leave wages for days you were issued with medical leave due to the work injury or disease.
•  Medical expenses, including your hospital bills, medication and other charges, due to the work injury.
•  Lump sum compensation for permanent incapacity or death.

Work injury compensation insurance

You need to get work injury compensation insurance for all employees doing manual work, as well as all employees earning $1,600 or less a month.

If you are an employer, you are required to buy work injury compensation insurance for:
•  All employees doing manual work, regardless of salary level.
•  All employees doing non-manual work, earning $1,600 or less a month.
•  You must have insurance for both local and foreign employees. Failure to provide adequate insurance is an offence.

For other employees, you have the flexibility to decide whether to buy insurance for them. However, if those employees make a valid claim, you will have to compensate them regardless of whether they are insured.

If you are applying for or renewing a Work Permit or S Pass, you need to give MOM the work injury compensation insurance and Foreign Worker Medical Insurance details

The declared wages must consist of the normal wages, food and housing allowances, overtime payments, bonuses and AWS but excluding travelling allowances and employers’ CPF contributions.

Get a Quote

Work injury compensation insurance can be available as a standalone policy or part of a business package insurance. For a quote, please complete the form below and we will work out a suitable arrangement with you


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Property and Business Interruption Section

Covers and Sums Insured in SGD
sum-insured to be sufficient on a New-for-Old replacement value
Business Interruption

Property sum-insured

Work injury compensation

Going by MOM regulation, we will need to arrange the insurance for:
– All employees doing manual work, regardless of salary level; and
– All employees doing non-manual work and earning $1,600 or less a month.
For other employees, you have the flexibility to decide whether to buy insurance for them. However, if those employees make a valid claim, you will have to compensate them regardless of whether they are insured.

The declared wages must consist of the normal wages, food and housing allowances, overtime payments, bonuses and AWS but excluding travelling allowances and employers’ CPF contributions.


– Manual work in connection with installation, erection, repair, maintenance, testing, demolition or construction
– Work in connection with underground, digging, excavation, manholes or tunneling
– Work at height greater than 30 feet (10m) above floor or ground level
– Work in connection with scaffolding, gondolas and/or other related activities
– Work in connection with diving and/or related underwater activities
– Work using heavy industries machines that involve cutting, pressing, grinding etc
– Work involving lifts, elevators, escalators, cranes, hoists and machinery
– Work involving welding and/or hot work
– Work involving explosives, gases, irritants or other materials that are toxic, explosive, flammable or corrosive
– Work in high risk areas such as petrochemical or chemical plant, cleanroom or computer room
– Work onboard vessel, shipyards or offshore
– Other hazardous activities

Employee information

Foreign Worker Medical


Group Personal Accident – Occupation class

Class 1 – indoor work mainly of sedentary nature
Class 2 – outdoor work or occasional manual work only when supervising workmen
Class 3 – manual work such as bakers, builders, carpenters, electrical engineers and plumbers and etc.

Group Personal Accident

Liability

Machinery Breakdown

Machine details

Money

In transit
In premises
In residence

Fidelity Guarantee

Employee details

Inland Transit