Work Injury Compensation
(WIC) Insurance
Mandatory Worker Protection
Mandatory coverage that protects workers and keeps you compliant.
MOM Licence No. 25C2924 • UEN 202519496K • Agent Reg No. R24124235
(WIC) Insurance
Mandatory coverage that protects workers and keeps you compliant.
MOM Licence No. 25C2924 • UEN 202519496K • Agent Reg No. R24124235
What is
WIC Insurance & Who Needs It?
WIC Insurance & Who Needs It?
Workplace accidents can happen even in the safest environments. For employers in Singapore, having Work Injury Compensation (WIC) Insurance isn’t just a precaution – it’s a legal requirement under the Work Injury Compensation Act.
What It Covers
Medical expenses, lost wages, and compensation in the event an employee is injured or falls ill due to work.
Who Must Be Covered
(a) Every employee in manual work, regardless of salary, and (b) non-manual workers earning below ~$1,600/month.
Legal Requirement: Without WIC insurance, an employer would have to pay for all medical bills and mandated compensation out of pocket – and face legal penalties for non-compliance. In short, WIC insurance protects both the employee and the employer.
How ASK Connections Supports You
We provide end-to-end assistance for WIC insurance so that you can easily fulfill this essential requirement and remain fully protected.
Identifying the Right Coverage
We discuss your workforce profile and tap into our network of reputable insurance partners (like AIG) to find a WIC insurance policy that fits your needs. We ensure the policy covers all required employees and meets or exceeds legal minimums. For high-risk industries, we’ll recommend higher coverage limits.
Handling the Setup
Once we’ve helped you select a policy, we take care of the application and purchase process. This includes filling out proposal forms, submitting employee details, and arranging payment to the insurer. We coordinate with the insurance company to issue certificates promptly and provide MOM with required details.
Seamless Renewals
WIC insurance is typically renewed annually. We keep a record of your policy expiry and remind you well in advance. We’ll also help review if your coverage needs have changed (more staff, new types of work) and adjust the policy if required. Our goal is to maintain continuous coverage with no gaps.
Claims Guidance
In the unfortunate event of a workplace injury, you can call us for guidance on the claims process. We’ll help ensure the incident is properly documented and that you notify the insurer within required timeframes. Our guidance makes the process smoother and faster for everyone involved.
Expert Advice & Updates
Singapore’s WIC Act and insurance guidelines can evolve. We stay on top of these changes and provide proactive advice if you need to enhance your policy due to a regulatory change or new market products. Think of us as your outsourced risk management partner.
Why Work With ASK for WIC Insurance?
Your Peace of Mind
Legal Compliance
You’re complying with WIC laws with proper coverage at all times – no nasty surprises from audits or fines.
Financial Protection
You’re safeguarded against large payouts because the insurance takes care of it. Predictable premiums, not uncertain liabilities.
Employee Confidence
Your staff know that should anything happen, they are protected by insurance – boosting morale and trust.
Coverage Details:
- Minimum Coverage: MOM sets minimum requirements (e.g., minimum coverage per accident)
- Industry Considerations: High-risk sectors (construction, marine) benefit from higher coverage limits
- Continuous Coverage: Must be maintained throughout employment period, aligned with pass dates
Frequently Asked Questions
About WIC Insurance
Questions
About WIC Insurance
Is WIC Insurance compulsory for all employees?
Yes, all employers must purchase WIC insurance for: (a) every employee engaged in manual work, regardless of salary, and (b) employees doing non-manual work earning below $1,600/month. This includes most foreign workers on Work Permits or S Passes.
What does WIC Insurance cover?
WIC insurance covers medical expenses, lost wages, and compensation in the event an employee is injured or falls ill due to work. It protects both the employee (ensuring they get care) and the employer (shielding you from potentially large claims).
When should coverage start?
Before the employee starts work. Coverage should be aligned with Work Permit issuance/renewal dates to ensure continuous protection from day one.
What happens if I don't have WIC insurance?
Without WIC insurance, you would have to pay for all medical bills and mandated compensation out of pocket, and face legal penalties for non-compliance. The law requires it, and enforcement is strict.
How much coverage do I need?
MOM sets minimum coverage requirements (e.g., minimum coverage per accident). We’ll assess your industry risk level and workforce to recommend appropriate coverage that meets or exceeds legal minimums
Do you help with renewals and claims?
Yes. We track renewal dates and remind you in advance. If a workplace injury occurs, we provide guidance on the claims process, documentation requirements, and liaise with the insurer to help resolve claims smoothly.
Need support for WIC Insurance?
Just ASK!
Let’s discuss your requirements today.