In Singapore, protecting your employees is not just a legal obligation — it’s a cornerstone of responsible business management. At Trinet Asia, we provide comprehensive WICA insurance solutions that safeguard both your workforce and your organisation from the financial impact of work-related injuries or illnesses.
With the right coverage, you can:
Trust Trinet Asia to help you meet legal requirements while ensuring your employees’ safety and well-being remain a top priority.
Work Injury Compensation Insurance (WICA Insurance) is a mandatory coverage under Singapore’s Work Injury Compensation Act, requiring employers to provide financial protection for employees who suffer workplace accidents or occupational diseases.
At Trinet Asia, we design tailored WICA insurance plans that go beyond compliance — ensuring employees receive prompt medical care and fair compensation, while protecting businesses from unexpected financial liabilities.
Typical coverage includes:
Choosing the right WICA insurance with Trinet Asia not only ensures legal compliance — it also safeguards your employees, your finances, and your company’s reputation.
In Singapore, workplace safety is a shared responsibility — and while the country maintains one of the region’s strongest safety records, accidents still happen. According to the Ministry of Manpower (MOM), more than 24,000 workplace injuries were reported in 2023, ranging from minor incidents to serious cases.
Each statistic represents a real person, a real family, and a moment when protection truly matters.
That’s where WICA Insurance becomes essential. It provides the financial and medical support employees need to recover, ensuring no one faces the burden of workplace injury alone.
To strengthen protection and fairness, MOM has revised compensation limits under the Work Injury Compensation Act (WICA):
On average, employees involved in serious workplace incidents in Singapore receive between S $10,000 and S $30,000 in total compensation — depending on the injury’s severity, recovery period, and work circumstances.
Workplace injuries affect more than just physical health — they impact families, livelihoods, and emotional well-being.
Having the right WICA insurance coverage ensures:
At Trinet Asia, we believe that workplace protection isn’t just about compliance — it’s about care, security, and humanity.
Because when people feel safe, supported, and valued, the entire workplace becomes stronger.
At Trinet Asia, our WICA insurance policies provide extensive protection that covers every critical aspect of work-related injuries and occupational illnesses — ensuring both your employees and your business are well protected.
Our WICA insurance covers all necessary medical and hospitalisation expenses resulting from workplace accidents. From emergency treatment to follow-up care, your employees receive the best possible medical support without bearing the financial burden — allowing them to focus fully on recovery.
If an employee is temporarily unable to work due to a workplace injury, WICA insurance provides income replacement during their recovery period. This ensures that employees can maintain their financial stability while recuperating, giving both workers and employers peace of mind.
In the unfortunate event of permanent disability or death, WICA insurance offers substantial lump-sum benefits to support the affected employee or their family. This financial assistance helps them navigate difficult times with stability and dignity — reflecting your company’s genuine care and responsibility toward its workforce.
At Trinet Asia, we understand that compliance and employee safety are top priorities for HR and business leaders. That’s why our workers’ compensation insurance solutions in Singapore are designed to deliver comprehensive coverage, competitive premiums, and dedicated, ongoing support.
Every company has its own story — and every workforce faces unique challenges. That’s why we don’t offer a one-size-fits-all WICA insurance plan. We listen first. By understanding your operations, the specific risks your employees face, and the workplace culture you’re building, we design coverage that fits your business perfectly.
Our flexibility means you’re never locked into coverage that doesn’t suit your needs. Whether you manage a small team of skilled workers or a large, diverse workforce, your policy evolves as your organisation grows. And because we know budgets are always a consideration, Trinet Asia leverages strong insurer partnerships to secure fair, competitive premiums — delivering protection that’s both meaningful and sustainable.
When an accident happens, the last thing you want is confusion, delays, or compliance issues. At Trinet Asia, we go beyond securing policies — we stand by you when it matters most.
Our team handles all aspects of compliance, paperwork, and insurer negotiations, ensuring employees receive the care and compensation they deserve quickly and efficiently.We remain involved from start to finish — guiding you through claims, answering questions, and keeping processes smooth and stress-free.For us, it’s not just about meeting legal obligations — it’s about supporting your people and protecting your business, every single day.
A Step-by-Step Overview
At Trinet Asia, we specialise in designing customised employee protection and benefits programmes that align with your organisation’s specific needs. Our proven process ensures a smooth, transparent, and efficient transition — from initial consultation to full implementation.
We start by understanding your organisation’s unique goals and challenges. Through in-depth consultation, we gather insights into your operations, workforce profile, and risk exposure to ensure we provide the most relevant and effective solutions.
Next, we collect key information such as your claims history, coverage requirements, and existing insurance details. This allows us to build a comprehensive profile of your company’s needs and tailor our recommendations for optimal protection and compliance.
Using the data gathered, we prepare a detailed proposal and quotation. You’ll receive side-by-side comparisons from leading insurers, clearly outlining your options in terms of coverage, benefits, and cost. Our goal is to help you select the plan that best fits your budget and business objectives, with complete confidence.
Your questions — answered. Learn how Trinet Asia supports employers in meeting legal requirements, protecting employees, and maintaining workplace safety through comprehensive WICA insurance coverage.
WICA insurance typically covers work-related accidents and occupational diseases that occur during the course of employment. For non-work-related incidents or accidents outside the workplace, many companies complement WICA coverage with a Group Personal Accident Insurance plan, ensuring 24/7 protection for employees both on and off duty.
WICA insurance is legally required for all employers under Singapore’s Work Injury Compensation Act. Failing to provide it can result in heavy penalties and direct liability for medical costs and compensation.
Beyond compliance, WICA coverage is a strategic safeguard that:
In short, WICA insurance is essential for legal compliance, financial protection, and responsible employee care — making it one of the most important policies for any business operating in Singapore.
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