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What is Work Injury Compensation Insurance?

In Singapore it is mandatory for all employers to maintain adequate Work Injury Compensation (“WIC”) insurance for

• All employees doing manual work, regardless of salary level and
• All employees doing non-manual work and earning $2,600 or less a month.

For other employees, employers have the flexibility to decide whether to buy insurance for them. However, if those employees make a valid claim, employers will have to compensate them regardless of whether they are insured.

It is always a better idea to buy WIC Insurance for all the employees regardless of their eligibility to avoid coughing up a hefty amount from your own pocket in a work related injury.  

Failure to provide adequate insurance is an offence in Singapore and employers can be fined of up to $10,000 or jail of up to 12 months, or both.

What is Work Injury Compensation Act?

Work Injury Compensation Act (WICA) covers all local and foreign employee who is under a contract of service  or contract of apprenticeship, regardless of salary, age or nationality.

However, it doesn’t cover:

• Independent contractors and the self-employed.
• Domestic workers.
• Uniformed personnel – members of the Singapore Armed Forces, Singapore Police Force, Singapore Civil Defence Force, Central Narcotics Bureau and Singapore Prison Service.

Who is covered?

Work Injury Compensation Act (WICA) covers all local and foreign employee who is under a contract of service  or contract of apprenticeship, regardless of salary, age or nationality.

However, it doesn’t cover:

• Independent contractors and the self-employed.
• Domestic workers.
• Uniformed personnel – members of the Singapore Armed Forces, Singapore Police Force, Singapore Civil Defence Force, Central Narcotics Bureau and Singapore Prison Service.

What can be claimed under Work Injury Compensation Insurance?

Below are some examples of compensation benefits which can be claimed under Work Injury Compensation Act (“WICA”);

• Medical Leave Wages           : for days Employees were issued with medical leave or light duty, due to the work injury or disease.
• Medical Expenses                 : includes Employees hospital bills, medication and other charges, due to the work injury.
• Lump Sum Compensation   : for permanent incapacity, current incapacity or death.

Work Injury Insurance (“WIC”) protects employers in the event of any work related liabilities under the Work Injury Compensation Act (“WICA”). It provides employers with financial assistance and compensation to cover the losses arising from work related liabilities.