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Essential Protection for Your Business and Employees

Whether your team works in the office or on-site, work injury compensation insurance is essential for covering medical expenses, lost wages, and workplace-related injuries. This coverage isn’t just a legal requirement—it’s a commitment to a safe and supportive workplace.

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Ministry of Manpower (MOM) in Singapore sets several requirements for employers under the Work Injury Compensation Act (WICA).

illustration representing "WICA Insurance" with a focus on a diver exploring an underwater coral reef. Set against a vibrant green color theme, the image portrays the diver in scuba gear surrounded by coral and marine life. Clean lines, geometric shapes, and subtle gradients provide a cohesive, modern look that is ideal for business and professional contexts. This illustration captures the essence of occupational insurance for commercial divers in a unique and challenging work environments like underwater exploration.

Compulsory for Employees

  • All employees involved in manual work, regardless of salary.

  • Non-manual employees earning a monthly salary of $2,600 or less

illustration depicting WICA Insurance with a doctor and patient in a clinical setting. The doctor, facing the patient, holds medical bills, emphasizing the theme of healthcare expenses and the importance of insurance. The green-themed design incorporates ample whitespace, clean lines, geometric shapes, and subtle gradients, presenting a polished and professional look. Ideal for business and healthcare contexts, this illustration underscores the financial protection aspect of WICA insurance in medical scenarios.

Medical Expenses

  • Medical expenses for work-related injuries or occupational diseases are covered up to one year from the date of the accident or diagnosis.

  • Minimum Limit of $45,000.

  • ​whichever comes first

illustration of a worker standing in front of an ATM, withdrawing cash, designed with a green primary color theme. The image features abstract, professional elements, ample whitespace, clean lines, and geometric shapes, creating a polished, cohesive look. Subtle gradients add depth to the design, making it ideal for business and financial contexts. This text-free illustration visually represents financial transactions and the concept of continuous income, symbolizing the benefits of WICA insurance in supporting steady earnings and financial security.

Lost of Wages

  • lost wages during medical leave due to work-related injuries

  • 100% of the average monthly earnings (AME) for the first 14 days of medical leave.

  • 2/3 of AME for the remainder of medical leave up to one year.

illustration depicting a worker in a wheelchair talking to a nurse in a hospital setting, symbolizing the theme of "Permanent Incapacity or Death" in WICA insurance. The image uses a green primary color theme with abstract, professional elements, ample whitespace, clean lines, and geometric shapes. Subtle gradients add depth to the composition, creating a polished, cohesive look ideal for business and healthcare contexts. This illustration visually conveys the importance of WICA insurance coverage in scenarios of permanent disability and medical support.

Permanent Incapacity or Death

  • Permanent incapacity or death, with minimum and maximum compensation limits:

  • For death: $76,000 to $225,000.

  • For total permanent incapacity: $97,000 to $289,000.

From 1 November 2025, the maximum compensation limits for

  • Death will increase to $269,000.

  • Permanent incapacity will increase to $346,000.

  • Medical expenses will increase to $53,000.

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