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General Insurance
WIC Insurance in Singapore
WIC Insurance, also known as Work Injury Compensation Insurance, helps employers cover compensation payable to employees who suffer work-related injuries or occupational diseases.
For employers in Singapore, WIC insurance is an important part of business protection and employment compliance. Even when insurance is not mandatory for certain employees, employers may still be liable to pay compensation if an eligible work injury claim arises.
This guide explains the key areas of WIC insurance in Singapore and how proper insurance support can help employers understand their obligations and protect their business.
At a Glance: WIC Insurance
Work injury compensation cover
Manual worker coverage
Salary threshold review
Accident reporting support
Medical leave and expenses
Insurance advisory support
Key Areas of WIC Insurance
Understand who needs WIC insurance, what it may cover, and why employers should review coverage properly.
What is WIC Insurance?
WIC Insurance supports claims when employees suffer work-related injuries or occupational diseases.
Work Injury Compensation provides a route for employees to claim compensation without having to start a civil lawsuit.
- Work-related accident coverage
- Occupational disease coverage
- Medical expenses
- Medical leave wages
- Lump sum compensation for permanent incapacity
- Lump sum compensation for death
- Employer liability management
- Claims reporting and documentation
Who Needs WIC Insurance?
Employers must buy WIC insurance for manual workers and certain non-manual employees.
Mandatory WIC insurance applies to all employees doing manual work regardless of salary, and all employees doing non-manual work earning S$2,600 or less per month.
- All employees doing manual work, regardless of salary
- Non-manual employees earning S$2,600 or less per month
- Local employees who fall under the required category
- Foreign employees who fall under the required category
- Full-time employees who fall under the required category
- Part-time or temporary employees who fall under the required category
What Does WIC Insurance Cover?
WIC insurance generally supports compensation payable for work-related injuries or occupational diseases.
Common compensation areas include medical leave wages, medical expenses, and lump sum compensation for permanent incapacity or death.
- Medical expenses from work injury
- Medical leave wages
- Permanent incapacity compensation
- Death compensation
- Occupational disease claims
- Work accident claims
- Employer liability under WICA
- Claim handling support, depending on insurer
Employer Responsibilities Under WIC
Buying WIC insurance is only one part of the employer’s responsibility.
Employers should maintain proper employee records, report accidents where required, cooperate with insurers, and support claim documentation.
- Buying WIC insurance where required
- Keeping policy coverage active
- Declaring employee details correctly
- Paying premiums on time
- Reporting work-related accidents where required
- Providing wage and medical leave information
- Cooperating with insurer and MOM requests
- Keeping payroll and employment records
Workplace Accident Reporting
Employers may need to report work-related accidents to MOM depending on the type and seriousness of the accident.
Fatal accidents must be reported within 10 days of the accident. Non-fatal accidents must be reported within 10 days of the employer’s first notice of accident.
- Checking whether the accident is reportable
- Notifying MOM where required
- Submitting an incident report online
- Informing the insurer
- Collecting medical certificates
- Recording accident details
- Keeping wage and payroll records
- Following up on claim status
Manual and Non-Manual Employees
Whether WIC insurance is mandatory depends on the nature of work and the employee’s salary.
For non-manual employees earning above the threshold, insurance may not be mandatory, but employers may still consider coverage to manage claim risk.
- Whether employees perform manual work
- Whether employees are non-manual staff
- Monthly salary excluding specified payments
- Part-time or temporary worker status
- Foreign employee status
- Employee job scope and risk exposure
- Whether optional coverage is suitable
- Policy limit and insurer terms
Why This Matters
Poor WIC insurance management can lead to uninsured employees, claim disputes, employer liability, reporting issues, and unnecessary business risk.
- Manual workers not insured
- Wrong employee classification
- Incorrect wage declaration
- Policy coverage gaps
- Late accident reporting
- Claim documentation issues
- Employer liability exposure
- Compliance stress
Need Help With WIC Insurance?
Frequently Asked Questions
WIC Insurance, or Work Injury Compensation Insurance, helps employers cover compensation payable to employees who suffer work-related injuries or occupational diseases under Singapore’s Work Injury Compensation framework.
Employers are required to buy WIC insurance for all employees doing manual work, regardless of salary, and all employees doing non-manual work earning S$2,600 or less per month, excluding specified payments such as overtime and bonus.
WIC insurance generally supports compensation areas such as medical expenses, medical leave wages, and lump sum compensation for permanent incapacity or death, subject to the Work Injury Compensation framework and policy terms.
WIC insurance is mandatory for non-manual employees earning S$2,600 or less per month. For non-manual employees earning above this threshold, insurance may not be mandatory, but employers may still consider coverage to manage claim risk.
Yes. An insurance adviser can help review employee coverage requirements, compare WIC insurance quotations, explain policy terms, support renewal review, and guide employers on claims reporting procedures.
Disclaimer: This article is for general information only and does not constitute legal or tax advice.
Please seek for professional advice for your specification situation.
