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For your business

Work injury compensation insurance

The WICA cover every employer must hold for manual workers and for staff earning up to the statutory ceiling.

  • Medical expenses, medical leave wages and lump-sum compensation under the Work Injury Compensation Act
  • Compulsory for all employees doing manual work, and for non-manual employees earning up to S$2,600 a month
  • Optional extension to all other employees

See prices now

Pick the closest.

Everyone WICA should cover, including you

S$ a year, before CPF

Business packages with WICA for all your staff, from the insurers’ own online quotes and rates, including GST.

What it covers

  • Medical expenses, medical leave wages and lump-sum compensation under the Work Injury Compensation Act
  • Compulsory for all employees doing manual work, and for non-manual employees earning up to S$2,600 a month
  • Optional extension to all other employees
  • Common-law liability as an add-on

Who needs it

  • Every employer in Singapore with manual workers
  • Employers who also hold foreign worker medical and maid insurance
  • Contractors who must show WICA cover to win work

What the law requires

Under the Work Injury Compensation Act (WICA), every employer is liable for injuries and diseases its employees get at work. You must insure all employees doing manual work, and non-manual employees earning up to S$2,600 a month. Cover for other employees is optional, but common. The policy must be with an insurer designated by MOM.

The prices on this page

No insurer sells WICA on its own online. Every business package does include it, so the prices above are the nine packages priced with WICA for all your staff, with the part that is WICA shown on each card. 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.

What we need to quote

  • Number of employees and total yearly wages, split by manual and non-manual work
  • What the business does, and where the work happens (your premises, clients' sites, offshore)
  • Any claims in the last three years

Before you choose

  • Common-law liability sits outside WICA. An employee may sue you instead of claiming under the Act. Most insurers offer this cover as an extension.
  • Contract work often needs a WICA policy covering the site before you can start.
  • Foreign worker medical cover for the same workers is usually cheaper when bought with the WICA policy.

Insurers designated by MOM

Only an insurer on the Ministry of Manpower’s list of designated insurers may issue a WICA policy. The list, as at 23 September 2026, names 24 insurers; those on our panel link to their page.

MOM’s list of designated insurers