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Work Injury Compensation

As an employer, you need to get work injury compensation insurance for all employees doing manual work, as well as all employees earning $2,600 or less a month. You are legally liable to pay compensation to workers who become hurt or sick while performing work-related activities.

From 1 January 2021, all WIC insurance policies must be issued by a designated insurer and must comply with MOM’s compulsory terms. Elect BLACAZ. as your preferred insurance partner and get your WICA coverage instantly online today.

WORK INJURY COMPENSATION
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Starts from
S$214

Work Injury Compensation

As an employer, you need to get work injury compensation insurance for all employees doing manual work, as well as all employees earning $2,600 or less a month. You are legally liable to pay compensation to workers who become hurt or sick while performing work-related activities.

From 1 January 2021, all WIC insurance policies must be issued by a designated insurer and must comply with MOM’s compulsory terms. Elect BLACAZ. as your preferred insurance partner and get your WICA coverage instantly online today.

WORK INJURY COMPENSATION

Your benefits

No frills, just expertise, transparency and common sense. We've got you covered.

Daily indemnisation
Medical leave wages, medical expenses, lump sum compensation
Applied for any local or foreign employee
Fast set-up of the contract
Assistance in file resolutions
Dedicated account manager
Compliance with MOM regulation
In Singapore's cases.
“People leave traces of themselves where they feel most comfortable, most worthwhile.”
H. Murakami

FAQs - Work Injury Compensation Act

Find the replies to your questions right below or connect with us!
What is WICA insurance?

Singapore employers are obligated via Employment Act to provide medical benefits to their employees. Work Injury Compensation Act (WICA) is a step beyond Employment Act. Employers, as per WICA, are required to provide compensation for work-related injuries as well as diseases for their workforce.

In short, the Work Injury Compensation Act is a set of guidelines for an employer to help their employees to claim for a work accident or a disease contracted due to work without involving any lawyer to file a WICA claim.

In accordance with Work Injury Compensation Act, all employees local or foreign under a contract of service irrespective of salary, age, or nationality are eligible for work injury compensation. 

Below are the three types of compensation benefits covered under WICA written on an annual basis: 

  • Claimable wages for days your employee is on medical leave following a work-related injury
  • Lump-sum compensation to be paid to employees in an event of permanent incapacity or to the family in the event of death resulting from work-related accidents.
  • Reimbursement of employee’s medical expenses in case of hospitalization due to work-related injuries.
Who needs WICA insurance by law?

If you are an employer employing either local or foreign talents, you are complied  to purchase a Work Injury Compensation Insurance if your employees belong to one of the following categories: 

  1. Doing manual work, regardless of salary level. 
  2. Doing non-manual work, earning a salary of $2,600 or less a month, excluding any overtime payment, bonus payment, annual wage supplement, productivity incentive payment, and any allowance. 
  3. For other employees, you have the flexibility to decide whether to buy insurance for them.

Above being noted, it is required by law to compensate your employees for valid claims against work-related injuries and sicknesses.

Thus, it is essential to have 100% coverage for your workforce to avoid paying from your pocket. The requirement is more pressing for some businesses, due to their nature and the inherent risk involved, for example:

  • Manual labor-intensive businesses including construction firms or retail stores
  • Businesses demanding work in outdoor environments like on-site engineers
  • High hazard requirements like mining and scaffolding work
What does WICA insurance not cover?

Work Injury Compensation Insurance covers employees with injuries or accidents met as part of their work. The insurance doesn't provide coverage under the following conditions: 

  • Meet with a traffic accident while travelling in your own car, your friend’s car, or public transport between home and workplace. 
  • Meet with a traffic accident while making a personal detour when travelling during work (e.g. detour for personal errand while travelling from workplace to venue for meeting), regardless of the mode of transport. 
  • Injure yourself while under the influence of alcohol or a prescription drug which was not prescribed by a doctor. 
  • Deliberately injure yourself or aggravate an existing injury.
What are MOM WICA changes in 2021?

The key changes to WICA as announced by MoM Singapore and in effect from 2021 are:

1. With effect from 1st January 2020, compensation for death, total permanent incapacity, and maximum limit for medical expenses are raised.

Compensation for death
 

Before 1 Jan 2020

From 1 Jan 2020

Minimum

$69,000

$76,000

Maximum

$204,000

$225,000


Compensation for total permanent incapacity
 
Before 1 Jan 2020
From 1 Jan 2020
Minimum
$88,000
$97,000
Maximum
$262,000
$289,000

 

The maximum limit for medical expenses

Before 1 Jan 2020

From 1 Jan 2020

Up to a maximum of $36,000, or up to 1 year from the date of the accident, whichever comes first.

Up to a maximum of $45,000, or up to 1 year from the date of the accident, whichever comes first.


2. With effect from 1st April 2020, the salary threshold for non-manual employees requiring Work Injury Compensation Insurance is increased 

 

Before 1 Apr 2020

From 1 Apr 2020

From 1 Apr 2021

Salary threshold for non-manual employees

$1,600

$2,100

$2,600


3. With effect from 1st September 2020, compensation from WICA will include light duties due to work-related injuries 
How to switch insurance if I'm already covered?

Switching policy provider at the time of renewal, that is when your current insurance is near expiration, is straightforward. However, it's important to maintain the continuity of coverage while switching insurance providers. Our team at BLACAZ is always eager to assist you, so get in touch if you have any concerns.

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