Work injury compensation insurance explained
The cheapest work injury compensation (WICA) insurance in Singapore today
For 19 typical employers, with WICA for all staff on wages of S$30,000 a year each: the cheapest business package with WICA today, and the part of it that is WICA.
The cheapest for each employer
| Employer | Lowest a year | Cheapest insurer | Of which WICA |
|---|---|---|---|
| Office20 staff | S$708.50 | HL Assurance | Included |
| Office25 staff | S$817.50 | HL Assurance | Included |
| Cafe5 staff | S$463.25 | HL Assurance | S$245.25 |
| Restaurant10 staff | S$708.50 | HL Assurance | S$490.50 |
| Restaurant20 staff | S$1,199.00 | HL Assurance | S$981.00 |
| Fast food outlet8 staff | S$610.40 | HL Assurance | S$392.40 |
| Bakery4 staff | S$348.80 | HL Assurance | S$130.80 |
| Caterer5 staff | S$463.25 | HL Assurance | S$245.25 |
| Clothing shop5 staff | S$381.50 | HL Assurance | S$163.50 |
| Clothing shop10 staff | S$545.00 | HL Assurance | S$327.00 |
| Minimart3 staff | S$316.10 | HL Assurance | S$98.10 |
| Medical clinic5 staff | S$327.00 | HL Assurance | S$109.00 |
| Medical clinic10 staff | S$436.00 | HL Assurance | S$218.00 |
| Dental clinic8 staff | S$392.40 | HL Assurance | S$174.40 |
| Hair salon5 staff | S$381.50 | HL Assurance | S$163.50 |
| Gym5 staff | S$388.31 | Great American | S$115.81 |
| Gym10 staff | S$535.96 | Sompo | S$240.30 |
| Laundry5 staff | S$381.50 | HL Assurance | S$163.50 |
| Tuition centre3 staff | S$319.26 | Etiqa | S$43.15 |
HL Assurance is our one featured insurer for work injury compensation: you buy it through our Buy Now link. As on our work injury compensation page, a package from another insurer priced below HL Assurance’s is not shown, and a package whose WICA would leave a staff member out is not shown either. Every employer · Price your own staff.
How these prices are worked out
Each package is priced from the insurer’s own published rates: the tables swept off Etiqa’s, HL Assurance’s and MSIG’s online quotes, Income’s sampled online prices, and the premium tables on Sompo’s, EQ’s, Tokio Marine’s and Great American’s application forms, with contents at the packages’ minimum of S$75,000 and no building. The WICA share is the same package priced without WICA, taken off. GST is included. Work injury is at each insurer's office-staff rate; staff who do manual work are rated higher. Allianz quotes its package live, so it is not on these pages. Shenton Brokers is an insurance broker in Singapore. Every employer is in a CSV file, updated daily.
Questions people ask
Which WICA insurance is the cheapest?
On 12 Nov 2026, HL Assurance is the cheapest shown for 16 of the 19 employers on our pages; Great American is the cheapest shown for 1 of the 19 employers on our pages; Sompo is the cheapest shown for 1 of the 19 employers on our pages; Etiqa is the cheapest shown for 1 of the 19 employers on our pages. HL Assurance is our one featured insurer for work injury compensation: you buy it through our Buy Now link. As on our work injury compensation page, a package from another insurer priced below HL Assurance’s is not shown, and a package whose WICA would leave a staff member out is not shown either.
Is the cheapest package the best?
Not always. The packages differ in their public liability, contents and other covers, and in how much of the price is WICA. Each employer's page sets every package's cover beside its price.
Can I buy WICA on its own?
No insurer sells WICA on its own online, but every business package includes it, so these prices are business packages with WICA for all staff, with the part that is WICA shown on each plan. The insurers put work injury at their office-staff rate online; staff who do manual work are rated higher, so their cover costs more than shown.
How do I buy it?
Buy Now takes you to the insurer’s own site, where you buy the package with WICA with your company’s real details and the insurer issues the policy. Sompo, EQ, Tokio Marine and Great American take an application form instead: Apply Now sends your details to us, and we get the form, help you fill it in and place the cover. Ask Shenton to arrange sends us the plan you picked and we arrange it for you.