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Work Injury Compensation Insurance Singapore (WICA)
The Work Injury Compensation Act (WICA) requires employers in Singapore to provide compensation for employees who suffer work-related injuries or occupational diseases. Work Injury Compensation Insurance helps businesses meet their legal obligations while protecting both employers and employees against the financial impact of workplace accidents.
At Ins-Solutions Agency, we provide comprehensive Work Injury Compensation Insurance Singapore solutions tailored to businesses of all sizes. Whether you operate in construction, manufacturing, logistics, retail, food & beverage, or professional services, we can recommend a policy that complies with MOM regulations and suits your business needs.
What is Work Injury Compensation Insurance?
Work Injury Compensation Insurance (WICA Insurance) provides financial protection for employers by covering statutory compensation payable to employees who suffer work-related injuries or illnesses under the Work Injury Compensation Act.
The insurance helps employers manage compensation claims efficiently while ensuring employees receive the financial support they are entitled to under Singapore law.
Who Needs Work Injury Compensation Insurance?
Under the Work Injury Compensation Act, employers are generally required to purchase Work Injury Compensation Insurance for:
- Employees performing manual work, regardless of salary.
- Non-manual employees earning within the salary threshold specified by the Ministry of Manpower (MOM).
- Businesses seeking to comply with Singapore employment regulations and reduce financial risks arising from workplace accidents.
Even where insurance is not legally compulsory, many businesses choose to purchase coverage to safeguard against potentially significant compensation costs.
What Does Work Injury Compensation Insurance Cover?
Depending on the policy selected, coverage may include:
- Compensation for work-related injuries.
- Medical expenses arising from workplace accidents.
- Permanent incapacity compensation.
- Temporary incapacity benefits.
- Death benefits payable to dependants.
- Occupational disease claims covered under WICA.
- Legal liability arising under the Work Injury Compensation Act.
Coverage limits and policy terms may vary depending on the insurer and business requirements.
Why Choose Ins-Solutions Agency?
We work with reputable insurers in Singapore to help businesses obtain competitive Work Injury Compensation Insurance coverage.
Our team assists clients by:
- Understanding your business operations and workforce.
- Comparing suitable insurance options from trusted insurers.
- Recommending cost-effective protection based on your industry.
- Providing prompt quotations and policy advice.
- Supporting policy renewals and ongoing insurance requirements.
We aim to make the insurance process simple, efficient and fully compliant with Singapore regulations.
Related Insurance Solutions:
Businesses that employ foreign workers may also require additional insurance protection, including:
Combining these policies helps employers meet MOM requirements while providing comprehensive protection for both the business and its employees.
Request a Quotation:
Looking for reliable Work Injury Compensation Insurance Singapore?
Contact Ins-Solutions Agency today for a competitive quotation and professional advice. Our experienced consultants will help you select the right insurance solution that keeps your business protected and compliant with Singapore employment regulations.