Work injury compensation insurance explained
Who needs work injury compensation insurance?
Which employees an employer in Singapore must insure under the Work Injury Compensation Act, who may insure them, and what the cover costs today.
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.
- 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
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.
What it costs today
| Employer | Lowest a year | Cheapest insurer | Of which WICA |
|---|---|---|---|
| Minimart3 staff | S$316.10 | HL Assurance | S$98.10 |
| Tuition centre3 staff | S$319.26 | Etiqa | S$43.15 |
| Medical clinic5 staff | S$327.00 | HL Assurance | S$109.00 |
| Bakery4 staff | S$348.80 | HL Assurance | S$130.80 |
| Clothing shop5 staff | S$381.50 | HL Assurance | S$163.50 |
| Hair salon5 staff | S$381.50 | HL Assurance | S$163.50 |
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
Who needs work injury compensation insurance?
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.
What does WICA cover?
Medical expenses, medical leave wages and lump-sum compensation under the Work Injury Compensation Act.
Is common-law liability included?
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.
Who can issue a WICA policy?
Only an insurer on the Ministry of Manpower's list of designated insurers. The list, as at 23 September 2026, names 24 insurers.
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.