Work Injury Compensation Act

Product Literature & Proposal Form

Work Injury Compensation Insurance Proposal/Declaration Form

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Appendix A - Quotation Checklist

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Key Coverages

Here is an overview of your coverage:

All employees engaged under a contract of service or apprenticeship is covered under WICA regardless of their salary level.

Alternatively, an injured employee can also file a civil suit against the employer under common law for damages. They can claim from either WICA or common law but not from both.

What can be claimed under WICA?

Medical Expenses
Lump Sum Compensation for Death of Permanent Incapacity
Medical Leave Wages

The amount of compensation is computed based on a fixed formula and is subject to capping.

Common Law Limit: S$10,000,000 for any one claim or series of claim arising out of one event.

For more details, please visit www.mom.gov.sg

What we do not cover

Here are some common exclusions under this policy

The following list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

✖ War, Civil War and any act of Terrorism.

✖ Radioactive and nuclear energy risks.

✖ Loss or damage caused by pollution or contamination.

How much is my premium?

Your premium may vary, depending on:

Important Information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.

All compulsory insurance policies under the Motor Vehicles (Third Party Risks and Compensation) Act and Work Injury Compensation Act are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact us or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).