Product
Mandatory employee injury coverage under Singapore law. Compare WICA quotes from 18+ insurers through TRS.
Work Injury Compensation Act (WICA) insurance is mandatory coverage that protects employees who suffer injuries or contract diseases as a result of their work. In Singapore, the Ministry of Manpower (MOM) requires all employers to maintain WICA insurance for eligible employees. It's not optional — it's the law.
WICA provides a no-fault compensation framework. That means your employees don't need to prove negligence to receive compensation for a work-related injury. Medical expenses, lost wages during recovery, and lump-sum payments for permanent disability or death are all covered under the Act.
For employers, WICA insurance is the financial safety net that ensures you can meet your legal obligations without bearing the full cost out of pocket. Without it, you're personally liable for all compensation claims — and MOM can prosecute you for non-compliance.
Coverage
Key areas of protection included under a typical Work Injury Compensation (WICA) Insurance policy.
Hospital, clinic, and rehabilitation costs for work-related injuries and occupational diseases
Income replacement when an employee is on medical leave due to a work injury
Lump sum compensation for permanent incapacity resulting from a work-related incident
Compensation paid to the dependants of an employee who dies as a result of a work injury
Coverage for diseases contracted due to work conditions, as listed under the WICA schedule
Full WICA compliance for Work Permit and S Pass holders, as required by MOM
Defence costs if a compensation claim is disputed or contested
Who Needs This
Every employer in Singapore. The law applies to all employees doing manual work (regardless of salary) and non-manual employees earning $2,600 or less per month. In practice, most companies insure their entire workforce.
WICA is especially critical in higher-risk sectors. Construction companies with workers on active sites face significantly more exposure than office-based firms. Manufacturing plants, logistics operations, and F&B businesses all carry elevated risk profiles that make robust WICA coverage essential.
If you employ foreign workers on Work Permits or S Passes, compliance becomes even more important. MOM requires proof of valid WICA coverage as part of the work pass application and renewal process. Lapses in coverage can result in work pass revocation, fines, or debarment from hiring foreign workers.
Why TRS
Compare rates across 18+ insurers. WICA premiums vary significantly between insurers, especially for higher-risk industries. We do the comparison for you and present the best options — often saving clients 20–30% over their expiring premiums.
Compliance confidence. We ensure your policy meets MOM requirements, covers all eligible employees, and is renewed before expiry. No gaps, no surprises during audits.
Claims advocacy. When an employee gets injured, we help you navigate the claims process — from filing with MOM to liaising with the insurer. You focus on your team; we handle the paperwork.
FAQ
Free, no-obligation quotes from multiple insurers. Most quotes delivered within 24 hours.