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Mandatory Employee Insurance
(WICA and FWMI)

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.

Ministry of Manpower (MOM) mandates for all employers to purchase Foreign Worker Medical Insurance (FWMI) for their foreign workers during their stay in Singapore. This minimum medical insurance coverage is further increased to $15,000 from 1 Jan 2010.

As a business owner, you may be required to have compulsory coverage for WICA Insurance. From 1st April 2020 onwards, the salary threshold will for non-manual employees requiring WICA insurance will be increased till $2,600.

It is also compulsory to buy and maintain foreign worker medical insurance (FWMI) coverage of at least $15,000/year for each work permit and S-Pass holder. The insurance should cover inpatient care and day surgery, including hospital bills for conditions that may not be work related.

Frequently Asked Questions

Foreign Worker Medical Insurance (FWMI) and Work Injury Compensation Act (WICA), what's the difference?

Foreign Worker Medical Insurance (FWMI) often comes hand in hand with the Work Injury Compensation Act (WICA).

FWMI provides basic cover for the medical expenses of Work Permit and S Pass holders, including hospital bills for conditions that may not
be work-related. While the WICA, which requires employers to purchase Work Injury Compensation Insurance, covers the medical costs and compensation for work related injuries suffered by their workers.

Who needs FWMI and who needs WICA?

The Government requires employers to get FWMI, minimum coverage of medical insurance for their foreign workers and domestic helpers, which has to be maintained at S$15,000 a year for the inpatient care and day surgery of each of their Work Permit Holders and S Pass holders.

Work Injury Compensation (WIC) insurance is for all employees doing manual work, regardless of salary level and all employees doing non-manual work and earning $2,600 or less a month, applicable to both local and foreign employees.

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Disclaimer: Shaun is a registered general insurance agent with PromiseLand Brokers in Singapore. Generalinsurance.SG does NOT bear any responsibility for any decisions consumers or website users make, should they rely on the information they have obtained, directly or indirectly, from this website.