Coverage

Under the Work Injury Compensation Act (WICA), an employer is liable to compensate an employee for:

• Medical leave wages,
• Medical expenses and
• Lump-sum compensation for permanent incapacity or death
  arising out of and during the period of employment.

The employer can also be sued for damages sustained by the employee.

The Work Injury Compensation Act (WICA) lets employees make claims 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.

Take up a Work Injury Compensation/Employer’s Liability Insurance policy to meet your compulsory insurance requirements as well as your legal liability towards employees under WICA.

Scenarios Covered

Are a seafarer who suffers a work-related injury

How to apply?

Contact us for a quote.

Who is covered?

The Work Injury Compensation Act (WICA) covers any local or foreign employee who is under a contract of service or contract of apprenticeship, regardless of salary, age or nationality.

It doesn’t cover:

– Independent contractors and the self-employed.
– Domestic workers.
– Uniformed personnel – members of the Singapore Armed Forces, Singapore Police Force, Singapore Civil Defence Force, Central Narcotics Bureau and Singapore Prison Service.

Source: http://www.mom.gov.sg/workplace-safety-and-health/work-injury-compensation/who-is-covered

Scenarios covered under WICA

You are covered under WICA if you:

• Meet with a traffic accident while taking company transport between home and workplace. The vehicle is not a public transport.
• Meet with a traffic accident when travelling during work and for work purpose (e.g. travel from workplace to venue for meeting), regardless of the mode of transport. You did not make any personal detour.
• Are employed by a local employer during your course of employment, suffers a work-related injury during an overseas assignment.
• Are a seafarer who suffers a work-related injury while on board a Singapore-registered vessel, regardless of the location of the vessel.
• Injure yourself in a work-related fight where you were a victim and did not participate in the fight, or were injured while exercising private defence, or instructed to break up the fight, safeguard life or property, or maintain law and order.
• Suffer medical conditions such as heart attack or stroke that are due to work.

Source: https://www.mom.gov.sg/workplace-safety-and-health/work-injury-compensation/eligible-claims