Work Injury Compensation Insurance (WIC) is a compulsory insurance in Singapore that protects employers against claims arising from work-related injuries and occupational diseases suffered by their employees. It is governed by the Work Injury Compensation Act (WICA) and applies to most employers, regardless of company size.
Work Injury Compensation provides a no-fault compensation framework for employees who are injured, fall ill, or pass away due to work-related causes. This means employees do not need to prove employer negligence to receive compensation, as long as the injury or disease arose out of and in the course of employment.
The insurance allows employers to meet their legal obligations under WICA while ensuring employees receive timely financial support.
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Under Singapore law, employers must purchase Work Injury Compensation Insurance for:
This requirement applies to full-time, part-time, temporary, and foreign employees, including work permit and S-pass holders.
Failure to maintain valid WIC insurance is a serious offence and may result in fines, imprisonment, stop-work orders, or loss of work pass privileges.
A standard WIC policy typically covers the following:
A work-related injury or disease may include:
Each claim is assessed based on the circumstances and supporting medical evidence.
While WIC insurance provides broad protection, certain situations are generally excluded, such as:
Policy terms and conditions may vary between insurers.
When a work-related injury occurs:
Early reporting and proper documentation help ensure smoother claims handling.
As an insurance broker in Singapore, we help employers:
If you are looking for more than just a policy, speak with us. We act as your advocate, guiding you through Work Injury Compensation requirements, protecting your interests, and standing by you before, during, and after a claim.
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