WICA Insurance in Singapore

In Singapore, protecting your employees is a legal mandate under the Ministry of Manpower (MOM). WICA Insurance (formerly known as Workmen Compensation Insurance) protects employers against liability for work-related injuries and occupational diseases.

Whether you refer to it as Workers Compensation Insurance or WICA, this policy is critical for compliance. At David Ho, we provide comprehensive work injury compensation insurance solutions that safeguard both your workforce and your company from financial liability.

What is Work Injury Compensation Insurance (WICA)?

Work Injury Compensation Insurance (WICA insurance) is a mandatory policy under the Work Injury Compensation Act. It ensures businesses provide financial protection to employees in the event of workplace accidents or occupational diseases.

Unlike general health insurance, WICA is a “”No-Fault”” policy—meaning compensation is payable regardless of who caused the accident.

At David Ho, we design tailored WICA insurance plans in Singapore that go beyond compliance. Our coverage ensures employees receive prompt medical care and financial support while protecting businesses from unexpected liabilities. Plans typically include:

● Medical expenses for treatment and hospitalization
● Wage replacement for temporary absence from work
● Lump-sum compensation for permanent disability or death

By choosing the right WICA insurance, you protect both your employees and your organization’s reputation.

What WICA Insurance Covers for Your Workers

Our WICA insurance policies offer extensive coverage to address various aspects of work-related injuries:

Medical Expenses Coverage for Work-Related Injuries

WICA insurance covers all necessary medical expenses incurred due to a work-related injury, ensuring that your employees receive the best possible care without financial strain.

Medical Leave Wages (Lost Income)

If an employee is unable to work due to an injury, our WICA insurance provides compensation for lost wages, helping them maintain their livelihood during recovery.

Lump Sum for Permanent Incapacity or Death

In the unfortunate event of permanent disability or death, WICA insurance offers substantial benefits to support the affected employee or their family, providing financial stability during challenging times.

Why Choose David Ho as Your Business WICA Insurance Broker

We understand that MOM compliance and employee safety are top priorities for HR and business leaders. That’s why our workers compensation insurance solutions in Singapore are designed to provide full coverage, competitive premiums, and ongoing support.

Workers Compensation Insurance Plans for Every Business

Every company has its own story, and so does every workforce. That is why we don’t hand you a standard WICA insurance plan — we listen first. By understanding your operations, the risks your employees face, and the culture you want to build, we design coverage that feels like it was made for your business.

Our flexibility means you are never locked into coverage that doesn’t fit. Whether you are protecting a lean team of skilled staff or a large workforce with diverse needs, your policy evolves as you grow. And because we know budgets are always a concern, we use our insurer partnerships to secure fair and competitive premiums, giving you protection that is both meaningful and sustainable.

Specialist in WICA Coverage & MOM Compliance

When an accident happens, the last thing you want is confusion, delays, or legal complications. We see our role as more than securing a policy — we stand with you when it matters most. Our team takes care of compliance, paperwork, and insurer negotiations, so your employees get the care and compensation they deserve without unnecessary stress.

We stay involved from start to finish: guiding you through claims, answering questions, and making sure processes are as smooth as possible. For us, it’s not about ticking the compliance box — it’s about making sure your people are supported and your business is protected, every single day.

A step-by-step overview

Our Proven Process for Comprehensive WICA Insurance Coverage

At David Ho, we specialize in creating customized WICA insurance coverage programs. Our process ensures you get the right occupational risk classification so you don’t overpay on premiums.

Consultation

We start with an in-depth conversation to understand your unique needs and goals.

Do you want to… ?

Change a broker or provider?
Lower costs of insurance?
Improve service level?

Source & Compare

Find value for money insurance providers. Uncover more out of your existing policies for free
Benchmarks, policy review, comparison & renewal analysis – all done for you!
One stop shop for all of your insurance needs

Implementation

We will assist to implement the decision made for your insurance policies:

For HR: Employee communication & walkthrough sessions with providers
For Finance: Stakeholder insurance policy updates & risk management

FAQs About Work Injury Compensation Insurance in Singapore

Your questions answered about our insurance services and how we can assist you.

Is WICA Insurance mandatory for all employees in Singapore?

Yes. WICA insurance is mandatory for all employees doing manual work, regardless of salary, and for non-manual employees earning S$2,600 or less per month. For non-manual employees earning above S$2,600, it is optional, but uninsured employers remain exposed to common law claims. Employers without a valid WICA policy for qualifying staff face MOM fines of up to S$10,000. For more information, please refer to https://www.mom.gov.sg/workplace-safety-and-health/work-injury-compensation/work-injury-compensation-insurance

How is employee compensation insurance cost calculated?

WICA insurance premiums are based on two main factors: your total annual payroll and your occupational risk class. Higher-risk industries such as construction pay more than office based businesses. Claims history may also affect renewal pricing. David Ho compares rates across MOM designated insurers to identify the most competitive option for your headcount and trade category.

Does WICA insurance cover accidents outside the workplace?

Yes. WICA covers accidents arising out of and in the course of employment, which includes incidents off-site such as delivery runs and official business travel. Coverage for commuting injuries, such as travelling to and from work, depends on the transport arrangement and the specific policy terms. Speak to your broker to confirm what scenarios your policy covers.

Can I buy work injury insurance for contract or part-time staff?

Yes. Work injury insurance applies to all employees under a contract of service, including part-time, temporary, and foreign workers. We can structure the policy to cover your entire headcount.

What support do you provide during claims?

David Ho handles the full claims process on your behalf, from completing documentation and filing MOM notifications to liaising with the insurer and tracking payout status. You do not need to manage insurer correspondence directly. Claims support is included as part of the brokerage service at no additional charge.

What are the current payout limits for workers compensation insurance claims?

Effective November 1, 2025, the Ministry of Manpower (MOM) increased the maximum claim limits to:

Medical Expenses: Up to $53,000 or 1 year from the accident (whichever comes first).
Medical Leave Wages: 100% of Average Monthly Earnings (AME) for up to 14 days (outpatient) or 60 days (hospitalization), followed by 2/3 AME for up to one year.
Permanent Incapacity: Lump sum payout up to $346,000 (increased from $289,000).
Death: Lump sum payout up to $269,000 (increased from $225,000).

Our Trusted Partners

Become Our Satisfied Customers Today!