Work Injury Compensation Insurance (WICA)
Fast, MOM-compliant cover with renewal reviews and claims support
Compulsory for Employees
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All employees involved in manual work, regardless of salary.
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Non-manual employees earning a monthly salary of $2,600 or less. (wef 1 Apr 2021)
Medical Expenses
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Medical expenses for work-related injuries or occupational diseases are covered up to one year from the date of the accident or diagnosis.
Lost of Wages
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lost wages during medical leave due to work-related injuries
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100% of the average monthly earnings (AME) for the first 14 days of medical leave.
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2/3 of AME for the remainder of medical leave up to one year.
Permanent Incapacity or Death
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Permanent incapacity or death, with minimum and maximum compensation limits
Why you’re likely here today
Most companies come to us for one of these reasons
A recent claim exceeded $100,000, and the renewal premium loading shocked you
You had a poor claims experience. Left without proper guidance or support
A claim was rejected due to non-disclosure, and you were never clearly advised at inception.
Your premium increased by 40% despite having no claims in the last policy period, and now you want a second opinion.
👉 If any of these sound familiar, you’re not alone. These are common pain points for employers, and they don’t have to be repeated.
NRM helps companies benchmark, review, and secure the right WICA cover with clarity and claims support built in.
Which task do you want to tackle first?
Renewal Review
Premiums rising or terms changed? Get a second opinion 60–120 days before expiry.
Claim Review for Next Renewal
Had issues with past claims? We review patterns and adjust cover when you renew.
Compliance Check
Unsure if your policy still meets MOM rules? Quick review to stay compliant.
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