Work Injury Compensation

Under WICA, employers are required to maintain insurance for the following employees:

    • all employees involved in manual work; and
    • all other non-manual workers earning S$2,100 or less a month.

However, employers are susceptible to legal liability for claims under both WICA and also the Common Law for all employees, even if they are not under the categories mentioned above. As such, Chubb has developed the Chubb Work Guard®, to safeguard employers’ liability, and offer value-added services.

The salary threshold for non-manual employees to be insured was raised from S$1,600 to S$2,100 in April 2020. It will be further raised to S$2,600 in April 2021.

Coverage Highlights


  • Work Injury Compensation is written on full Act benefits or on Common Law basis
  • Offers more than the statutory requirements as shown below:
    Benefits Statutory Requirement Chubb Work Guard
    Common Law Limit - S$15,000,000
    Medical Expenses S$45,000 S$300,000
    Outpatient Leave 14 days 30 days
    Hospitalisation Leave 60 days 120 days
    Non-Occupational Accidental Death and Permanent Total Disablement - S$50,000

Additional Benefits

  • Traditional Chinese Medicine
  • Replacement Staff / Recruitment Costs
  • Funeral Expense
  • Continuous Worldwide Bed Confinement
  • Accidental HIV Infection
  • Terrorism Benefit - Injury (Lump Sum)
  • Terrorism Benefit - Witness (Lump Sum)
  • Terrorism Benefit - Incapacity (Lump Sum)
  • Workplace Trauma Benefit
  • 24-hour Cover on Worldwide Business Travel
  • Travelling to and from Work (excluding travelling on two-wheelers)
  • Contingent Liability to Independent Contractors

Value-added Services

  • Safety Management Consultation
    • Provides assistance to employers in the development and implementation of health and safety strategy
    • Enhances the quality of the workplace environment
  • Healthcare Management Services
    • Provides rehabilitation services for employees, when required
    • Enhances workplace productivity

Extended Benefit

24-hour coverage for employees, even when they are not at work.

Have a question or need more information?

Contact us to find out how we can help you get covered against potential risks