All local and foreign employees under a contract of service with an employer will be covered by WICA, regardless of salary, role, age or nationality. This is with the exception of self-employed individuals, independent contractors, domestic workers, and uniformed personnels who are members of the Singapore Armed Forces, Singapore Police Force, Singapore Civil Defence Force, Central Narcotics Bureau and Singapore Prison Service.
As an employer, it is mandatory by law for you to purchase a Work Injury Compensation (WIC) Insurance for all local and foreign employees if they are doing:
- Manual work (regardless of salary level)
- Non-manual work, and are earning S$2,100 or less a month. This excludes any overtime pay, bonus payment, annual wage supplement, productivity incentive payment and any allowance.
Prior to 1st January 2020, the salary threshold for non-manual employees was S$1,600. Moving forward from 1st January 2021, the salary threshold will be increased to S$2,600.
For employees who are doing non-manual work but earning more than S$2,100 (before 1 April 2021), you have a choice to decide if you want to purchase a WIC Insurance for them.
Failure to provide WIC insurance is an offence and results in a fine of up to S$10,000 or jail of up to 12 months, or both.