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