- Individuals & Families
- Businesses
- Partners & Agents
Your home is more than bricks and mortar. It’s full of memories and you're reflected in every detail. So if you experience a claim, you’ll most likely want your life back, and to rebuild without hassles, headaches, or delay.
Designed to cover you and your family in the event of accident-related injuries and disabilities.
We know that innovative products go hand in hand with superior service. At Chubb, we offer a range of value-added services and customised solutions for that added advantage to meet various needs.
Chubb leverages superior underwriting expertise and world renowned claims, account services, and financial strength to offer solutions for small and medium businesses.
Today's multinational organizations face complex and interconnected risks. We offer insurance solutions that are tailored to global needs as well as local requirements, helping them address their risk management challenges.
Chubb has a proven track record of maximising ancillary revenue for more than 120 business partners across the globe.
Work Injury Compensation Insurance
Safeguard your employees and you against workplace injury
Work injury compensation insurance is an essential safeguard for both employers and platform operators, to ensure adequate financial protection for platform workers and employees in case of work injury.1
Under the Work Injury Compensation Act (WICA), all employers and/or platform operators are required to buy work injury compensation insurance, from a designated insurer, for:
- All employees doing manual work, regardless of salary level;
- All employees doing non-manual work, earning a salary of S$2,600 or less a month, excluding any overtime payment, bonus payment, annual wage supplement, productivity incentive payment and any allowance; and
- *Effective 1 January 2025* All platform workers.
As a designated insurer for both Work Injury Compensation Insurance (for Employees) and Work Injury Compensation Insurance (for Platform Workers), Chubb offers two different policy types depending on your business needs, to safeguard your liability and ensure that your employees are financially protected.
Resources
- Written on full WICA benefits and compensation under common law for an employee's work injury
- Offers over and beyond the statutory limit requirements with:
- S$15,000,000 common law limit
- S$300,000 medical expenses cover
- 30 days outpatient leave cover
- 120 days hospitalisation leave cover
- S$50,000 non-occupational accidental death and permanent total disablement cover
- Up to SGD53,000 medical expenses cover
- Reimbursement for loss of income due to medical leave and hospitalisation leave
- Lump sum payout for death
- Lump sum payout for permanent incapacity or current incapacity
All coverages are subject to the terms and conditions of the relevant policy. Please refer to the relevant Policy Wording for the full insuring clauses, definitions, schedule, extensions, terms, conditions and limits of the relevant policy.
Frequently Asked Questions
As noted on the MOM’s website, the Work Injury Compensation Act (WICA) is a piece of legislation which allows employees and platform workers to claim 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.
Visit MOM’s website for more information.
As noted on the MOM’s website, under the WICA,
- Employers need to get work injury compensation insurance for all employees doing manual work, as well as all employees earning S$2,600 or less a month.
- Platform operators need to get work injury compensation insurance for all platform workers.
- All Work Injury Compensation insurance policies must be issued by a designated insurer, and must comply with MOM’s compulsory terms.
Chubb Insurance Singapore Limited is a MOM designated insurer.
Visit MOM’s website for more information.
No, work injury compensation insurance is offered as an insurance policy to employers and platform operators.
For details on existing coverage, do check with your employer.
For all employers (excluding platform operators)
To start a work injury insurance claim, please report the work accident to MOM. Visit MOM’s website for more information.
For work accidents that are not reportable, accidents, please download the Claim Form and submit the completed form with supporting documents (where applicable) to WICAclaims.SG@chubb.com.
For platform operators
To start a work injury insurance claim, please report the work accident to MOM. Visit MOM’s website for more information. Upon receipt of your Chubb Claim Number, proceed to upload any supporting documents (where applicable) via our online portal.
For work accidents that are not reportable:
- Download and submit completed Claim Form to WICA-PWClaims.SG@chubb.com.
- Upon receipt of your Chubb Claim Number, proceed to upload any supporting documents (where applicable) via our online portal.
For platform workers
In the event of a work accident, please inform your platform operator of the work accident as soon as possible. You should also cooperate with your platform operator and their insurer to provide supporting documents, such as the original medical certificates, medical reports, medical bills, or photographs of the accident to facilitate claim processing. Visit MOM’s website for more information
You can check on your claim status by logging in to the MOM portal at: (https://www.mom.gov.sg/eservices/services/work-injury-compensation.
For any other work injury compensation insurance claim enquiry, you may contact us at +65 6398 8785 (Mondays to Fridays, 9.00am - 5.00pm, excluding Public Holidays) or email:
- WICAClaims.SG@Chubb.com (For all employers, except platform operators); or
- WICA-PWClaims.SG@Chubb.com (For platform operators only)