Work Injury Compensation Insurance

​Singapore Work Injury Compensation Act (WICA)

This policy covers the liability of an employer to pay compensation to their employees who suffer a work-related injury, occupational illness or disease in accordance to the Work Injury Compensation Act (WICA). Such a policy is compulsory as per Section 23 of the Work Injury Compensation Act (Cap. 354) in Singapore.

Employers are required to maintain work injury compensation insurance for:

  • ​All employees doing manual work regardless of their monthly earnings

  • All employees doing non-manual work, earning less than S$2,100/month​

However, employers are susceptible to legal liability for claims under both WICA and also the Common Law for all employees, even if they are not under the categories mentioned above.

The salary threshold for non-manual employees to be insured was raised from S$1,600 to S$2,100 in April 2020. It will be further raised to S$2,600 in April 2021.


What is covered under WICA

Under the Work Injury Compensation Act, insurance coverage is to include medical leave wages, medical expenses, and compensation for permanent incapacity or death. The insurance payout should not be less than the compensation limits under WICA.


Additional Benefits

  • 24-Hour Worldwide Business Travel

  • Non-Contribution Clause

  • Personal Accident Rider:

    • Replacement Staff/Recruitment Costs

    • Funeral Expenses 

    • Continuous Worldwide Bed Confinement 

    • Accidental HIV Infection Benefit

    • Terrorism Benefits

    • Workplace Trauma Benefit

  • Social Recreational Activities

  • Traditional Chinese Medicine (TCM)

  • Travelling To And From Work Including Meal Break (Excluding Two-Wheelers)