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Chubb Work Guard® offers one of the most holistic work injury compensation solution in Singapore, offering over and beyond the statutory limit requirements under Work Injury Compensation Act (WICA) 2019.

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$2,600 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.

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

Chubb has developed Chubb Work Guard, to safeguard employers’ liability, and offer value-added services. Key features of Chubb Work Guard include competitive limits for Common Law and Medical expenses as well as a suite of additional benefits.

Additional benefits such as higher Common Law and Medical Expenses, Non-Occupational Accidental Death and Permanent Total Disablement etc., will ensure that your employees are taken care of, even if they’re not at work. We believe that these additional benefits set Chubb apart as a market leader in Work Injury Compensation Insurance.

You can rest assured knowing that your business and employees will enjoy wide ranging cover along with Chubb’s promise of service excellence and award-winning claims proposition.

Coverage Highlights


  • Chubb Work Guard is written on full Act benefits and compensation under common law for an employee’s work injury
  • 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

  • 24-Hour Worldwide Business Travel
  • Non-Contribution Clause
  • Personal Accident Rider:
    • Replacement Staff/Recruitment Costs
    • Funeral Expenses 
    • Continuous Worldwide Bed Confinement 
    • Accidental HIV Infection Benefit
    • Terrorism Benefits
    • Workplace Trauma Benefit
  • Social Recreational Activities
  • Traditional Chinese Medicine (TCM)
  • Travelling To And From Work (Including Meal Break, Excluding Two-Wheelers) 

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.

Frequently Asked Questions

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.

Visit MOM’s website for more information.

The new Work Injury Compensation Act (WICA 2019) will take effect on 1 September 2020.

Key changes to WICA

  • Changes in compensation and medical expenses limits.
  • Expand mandatory insurance coverage to non-manual employees, regardless of where they work.
  • Expand scope of compensation to include light duties.
  • Compulsory reporting for any instance of medical leave or light duties issued for work accident.

Visit MOM’s website for more information.

Employers need to get work injury compensation insurance for all employees doing manual work, as well as all employees earning $2,600 or less a month.

From 1 January 2021, all WIC 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.

For a faster and more seamless claims process, please click here to find out the documents required to file a claim and submit your claim.

Please note that for any work-related accidents, the employer must report to the Ministry of Manpower (MOM). Please visit MOM’s website at

If you would like to check on the status of your claim, please call or send us an email.

WIC Claims Hotline: 6398 8785

WIC Claims Email:

For straightforward claims, upon receipt of your claim and all the supporting documents, we will finalise our claims adjudication within 7 business days.

If your claim is accepted and you have opted for electronic funds transfer, we will reimburse you within the next 5 business days.

If your claim is accepted and you have opted for cheques, we will send you the cheque within the next 7 business days.

Note: Work Injury Compensation Claims are administered by Sedgwick Singapore Pte Ltd, a Third Party Administrator of Chubb Insurance Singapore Limited.

Forms and Documents

Have a question or need a quote?

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