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Work Injury Compensation Insurance

Designed to provide coverage for employers and platform operators who are liable to compensate their employees and platform workers respectively who suffer work-related injuries or illness to help cover some medical expenses and loss of wages.

 

Work injury compensation insurance is an essential safeguard for both employers and platform operators, to ensure adequate financial protection for platform workers and employees in case of work injury.1

Under the Work Injury Compensation Act (WICA), all employers and/or platform operators are required to buy work injury compensation insurance, from a designated insurer, for:

  • All employees doing manual work, regardless of salary level;
  • All employees doing non-manual work, earning a salary of S$2,600 or less a month, excluding any overtime payment, bonus payment, annual wage supplement, productivity incentive payment and any allowance; and
  • *Effective 1 January 2025* All platform workers.

As a designated insurer for both Work Injury Compensation Insurance (for Employees) and Work Injury Compensation Insurance (for Platform Workers), Chubb offers two different policy types depending on your business needs, to safeguard your liability and ensure that your employees are financially protected.

 

1 https://www.mom.gov.sg/employment-practices/platform-workers-act/work-injury-compensation-for-platform-workers

For All Employers
Work Injury Compensation Insurance for Employees
  • Written on full WICA benefits and compensation under common law for an employee's work injury
  • Offers over and beyond the statutory limit requirements with:
    • S$15,000,000 common law limit
    • S$300,000 medical expenses cover
    • 30 days outpatient leave cover
    • 120 days hospitalisation leave cover 
    • S$50,000 non-occupational accidental death and permanent total disablement cover 
Download Factsheet
For Platform Operators
Work Injury Compensation Insurance for Platform Workers
  • Up to SGD45,000 medical expenses cover 
  • Reimbursement for loss of income due to medical leave and hospitalisation leave
  • Lump sum payout for death
  • Lump sum payout for permanent incapacity or current incapacity

All coverages are subject to the terms and conditions of the relevant policy. Please refer to the relevant Policy Wording for the full insuring clauses, definitions, schedule, extensions, terms, conditions and limits of the relevant policy.

Frequently Asked Questions
Frequently Asked Questions

As noted on the MOM’s website, the Work Injury Compensation Act (WICA) is a piece of legislation which allows employees and platform workers to claim for work-related injuries or diseases without having to file a civil suit under common law. It is a low-cost and quicker alternative to common law for settling compensation claims.

Visit MOM’s website for more information.

As noted on the MOM’s website, under the WICA,

  • Employers need to get work injury compensation insurance for all employees doing manual work, as well as all employees earning S$2,600 or less a month.
  • Platform operators need to get work injury compensation insurance for all platform workers.
  • All Work Injury Compensation insurance policies must be issued by a designated insurer,  and must comply with MOM’s compulsory terms.

 

Chubb Insurance Singapore Limited is a MOM designated insurer.

Visit MOM’s website for more information.

No, work injury compensation insurance is offered as an insurance policy to employers and platform operators.

For details on existing coverage, do check with your employer. 

For all employers (excluding platform operators)

To start a work injury insurance claim, please report the work accident to MOM. Visit MOM’s website for more information.

For work accidents that are not reportable, accidents, please download the claim form and submit the completed form with supporting documents (where applicable) to Claims.SG@chubb.com.

For platform operators

To start a work injury insurance claim, please report the work accident to MOM. Visit MOM’s website for more information.  

For work accidents that are not reportable, please download the claim form and submit the completed form with supporting documents (where applicable) to Claims.SG@chubb.com.

For platform workers

In the event of a work accident, please inform your platform operator of the work accident as soon as possible. You should also cooperate with your platform operator and their insurer to provide supporting documents, such as the original medical certificates, medical reports, medical bills, or photographs of the accident to facilitate claim processing. Visit MOM’s website for more information.  

You can check on your claim status by logging in to the MOM portal at:  (https://www.mom.gov.sg/eservices/services/work-injury-compensation.

For any other work injury compensation insurance claim enquiry, you may contact us at +65 6398 8785 (Mondays to Fridays, 9.00am - 5.00pm, excluding Public Holidays) or email:

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For all employers (excluding platform operators)
For platform operators