Work Injury Compensation Insurance Singapore

Meets Legal
WICA Duties

Covers
Lost Income

Fast
Claims Help

WICA Insurance:
A Legal Requirement For Employers
Who Must Secure Insurance For:

Compliance with statutory requirements

Medical expenses covered, including
hospitalization and surgical costs

Loss of earnings compensation

Financial support in case of permanent
incapacity or death

Easy claims process

Perfect For:

Singapore-based businesses with
employees

Companies hiring
work permit holders

Enterprises with
S Pass employees

Companies
expanding their
workforce

Easy claims
process

Medical Expenses

Up to S$300,000.

Outpatient Leave

Up to 30 days.

Hospitalization Leave

Up to 120 days.

Common Law Limit

Up to S$15 million.

Includes

Both WICA statutory benefits and employer’s liability under common law.

Additional Benefits

Includes coverage for non-occupational accidental death and permanent total disablement.

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Frequently Asked Questions (FAQ)

Q1: Is WICA insurance mandatory for all employees?

A: Yes, it’s mandatory for all manual workers and non-manual workers earning S$2,600 or less per month. Employers may also be liable under common law for other employees, so comprehensive coverage is recommended.

Q2: What does WICA insurance cover?

A: It covers medical expenses, medical leave wages, and compensation for permanent incapacity or death resulting from work-related injuries or diseases .

Q3: Can employees claim under both WICA and common law?

A: No, employees must choose between claiming under WICA or pursuing a civil suit under common law. They cannot claim under both for the same incident.

Q4: Are there any recent changes to WICA?

A: Yes, as of April 2021, the salary threshold for mandatory insurance coverage of non-manual workers increased from S$2,100 to S$2,600.

Q5: How does WICA benefit employers?

A: WICA provides a streamlined process for handling work-related injury claims, reducing the need for lengthy litigation and potentially lowering legal costs.

Q6: What does “under common law” mean in work injury insurance?

A: Common law refers to legal responsibilities outside of WICA. If an injured employee believes their employer was negligent, they can sue under common law instead of claiming through WICA. This path can result in higher compensation but requires proving fault and may involve court proceedings. That’s why many businesses in Singapore choose WICA insurance that also covers common law liability—for full protection.