Work Injury Compensation Insurance in Singapore
(with Covid-19 coverage)

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Calculate your Work Injury Compensation Insurance premium:

Work Injury Compensation Insurance (WICA Insurance) protects your company against legal liability if your workers suffer injuries, or contract illnesses while working.

Work Injury Compensation Insurance coverage includes:
1. Employer legal expenses to defend against work-injury lawsuits
2. Employee medical expenses for work-related injury or illness

Under Singapore’s Work Injury Compensation Act (WICA), employers are legally liable to pay compensation to workers who become hurt or sick while performing work-related activities. 

In Singapore, it is a statutory requirement to provide Work Injury Compensation insurance for:
a. All workers who perform manual labour, regardless of salary level
b. All workers who earn less than $2,100 a month, regardless of job scope

This type of insurance is one of the most common that SMEs purchase. It’s usually very affordable, while providing generous coverage. We highly recommend this type of insurance for all employers, given that your most valuable assets are often your employees. 

What is covered under the Work Injury Compensation Insurance coverage?

It covers two parties:
a. Employers
b. Employees

Coverage for employers:
1. Legal defense costs from employee lawsuits
2. Legal damages to employees injured while working

Coverage for employees:
1. Medical expenses
2. Lost wages while on medical leave (includes salary, bonus, overtime pay, food and housing allowances, but excludes CPF payment)
3. Lump-sum compensation for death, or total permanent disability

What types of Covid-19 Costs Does WICA Insurance Cover in Singapore?

This type of insurance will pay for:
a. Medical expenses
b. Lost wages while on medical leave (includes salary, bonus, overtime pay, food and housing allowances, but excludes CPF payment)
c. Lump-sum compensation for death, or total permanent disability

Do I need Work Injury Insurance?

If your business or your employees are involved in the following, then this type of insurance is particularly critical for you:

  • Labour-intensive industries: construction firms, renovation & interior designers, manufacturing firms, warehouse/storage firms, food & beverage establishments, retail stores, etc.

  • Frequent exposure to outdoor environments: on-site engineers, technicians, goods delivery, road works, building painters, vehicle towing, car-washing, etc.

  • High-hazard industries: scaffolding, shipyards, any business doing offshore work, fishing, working with aeroplanes, etc.

How much Work Injury Compensation Insurance coverage do I Need?

Most WICA insurance come with a standard amount of coverage: a $10 million annual limit, and a $45,000 sub-limit for medical expenses.

It’s highly advisable for SMEs to insure all their workers with WICA insurance. Even a single WICA claim can put an employer out of pocket for tens of thousands of dollars.

How much does Work Injury Compensation Insurance cost in Singapore?

  • Non-Manual Worker: Starts from $5/month, per worker

  • Manual Worker: Starts from $15/month, per worker

As you can see, this type of coverage is very affordable for the benefits you’re getting! Prices may be higher for specific higher-risk industries, like manufacturing.

With Provide, you save up to 25% on your premiums. Our digital operating model creates lower overheads, and we pass every dollar saved back to our clients.

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