Understanding Coverage: What Exactly Does Worker Injury Compensation Insurance Cover?


The Work Injury Compensation Act (WICA) in Singapore is designed to provide a streamlined and cost-effective process for employees to claim compensation for work-related injuries or diseases. WICA ensures injured workers receive prompt and fair compensation for medical expenses, lost wages, and other related costs without protracted legal proceedings. A critical component of this framework is the requirement for employers to purchase Work Injury Compensation Insurance (WIC insurance), which guarantees sufficient funds available to cover these claims, thereby offering financial security to employees in times of need.

WICA plays a dual role in protecting employee rights and enforcing employer obligations. For employees, WICA ensures coverage of medical expenses, compensation for lost earnings during medical leave, and benefits in cases of permanent incapacity or death. This comprehensive coverage under WIC insurance provides peace of mind and financial support, helping employees recover without the added stress of financial strain. 

For employers, WICA mandates the purchase of WIC insurance and the prompt reporting of workplace accidents to the Ministry of Manpower (MOM), ensuring that compensation claims are handled efficiently. Additionally, WICA underscores the importance of maintaining a safe work environment, thereby reducing the incidence of workplace injuries and the associated liabilities.

Mandatory Worker Injury Compensation Insurance

Who is Required to Have WICA Insurance

Work Injury Compensation Act (WICA) mandates that all employers purchase Work Injury Compensation (WIC) for their employees. This requirement applies to both local and foreign workers engaged in manual work, regardless of their salary levels. Additionally, it extends to non-manual workers earning a monthly salary of up to S$2,600. The goal is to ensure that employees are protected financially in the event of work-related injuries or diseases, thereby promoting a safer and more secure working environment.

The Concept of Designated Insurers in Singapore

Designated insurers are crucial in implementing WICA by providing WIC insurance policies. These insurers are approved by the Ministry of Manpower (MOM) and are authorised to offer insurance plans that meet the specific requirements set forth under WICA. Employers must purchase WIC insurance from these designated insurers to ensure compliance with the Act. The involvement of designated insurers ensures that the policies provided are reliable and that claims are processed consistently and fairly. This system helps maintain coverage and service quality standards, assuring employers and employees that the compensation process will be managed effectively.

Types of Coverage under WICA Insurance

Below are some of the types of coverage under WICA:

Medical Leave Wages:
WICA insurance compensates for lost income during periods of medical leave necessitated by work-related injuries or diseases. Employees can receive a portion of their average monthly earnings during their medical leave, ensuring they have financial support while recovering and cannot work. This compensation helps alleviate the financial burden on injured employees and their families during recovery.

Medical Expenses:
WICA insurance covers medical expenses incurred due to work-related injuries or illnesses. This includes costs for hospitalisation, surgery, medical consultations, and necessary treatments. The insurance ensures that employees receive the medical care they need without worrying about the financial implications, promoting better health outcomes and quicker recovery times.

Permanent Incapacity Compensation:
In cases where an injury results in permanent incapacity, WICA insurance provides compensation based on the severity of the disability. This compensation aims to support employees with long-term or permanent disabilities affecting their capability to work and earn a living. The amount is determined according to a predefined compensation scale, reflecting the extent of the incapacity and its impact on the employee’s life and livelihood.

Death Benefits:
If an occupational illness or injury causes the death of a worker, WICA insurance provides financial support to the deceased employee’s family. This includes a lump-sum payment to the dependents to help them cope with the loss of income, providing economic stability during a challenging time. The death benefits ensure that the family is not left without means of support following the tragic loss of their loved one.

Making a Claim under WICA Insurance

Claims Process for Employees

The claims process under WICA insurance begins with promptly reporting the injury to the employer. Employees must inform their employer about the work-related injury or disease as soon as possible, ideally within ten days of the incident. The employer is then notifying the Ministry of Manpower (MOM) within ten days of receiving the employee’s report. Following this, the employee must submit the necessary documents, including medical reports and receipts for medical expenses. These documents support the claim by providing evidence of the injury and the related costs incurred.

Resources Available for Employees

Several resources are available to assist employees in filing and managing their claims under WICA. One essential tool is the WicSubmit portal, an online platform the MOM provides. WicSubmit allows employees to file their claims electronically, track their status, and communicate with the MOM regarding any issues or additional information required. 

The MOM website also offers comprehensive guides and FAQs to help employees understand the claims process and entitlements. For further assistance, employees can also contact the MOM hotline or visit service centres for in-person support. These resources ensure that employees have the support and guidance to navigate the claims process under WICA insurance successfully.


WICA insurance is essential for both employers and employees, providing a vital safety net in the event of work-related injuries or diseases. For employees, it ensures timely and fair compensation for medical expenses, lost wages, permanent incapacity, and death benefits, fostering financial stability and peace of mind. For employers, WICA insurance ensures compliance with legal obligations, helps manage financial risks, and reinforces the commitment to maintaining a safe working environment.

Employers are encouraged to ensure proper insurance coverage and compliance with WICA regulations. This protects their workforce and safeguards their business from potential liabilities and legal repercussions. Maintaining adequate WIC insurance coverage is a responsible and proactive measure that demonstrates a commitment to the well-being of employees.

For further information, employers and employees can refer to the Ministry of Manpower (MOM) website, which provides detailed guides, resources, and support related to WICA insurance. The MOM website is a comprehensive resource for understanding the claims process, insurance requirements, and other relevant workplace safety and compensation aspects.


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