Work Injury Compensation Insurance is one of the best tool for attracting highly qualified employees on your firm. As an employer, you are required by the law to compensate your employees and their dependants for accidents/deaths arising during the course of their employment.This can be expensive, stressful and detrimental to the development of your business. Our Work Injury Compensation Insurance comes in to limit your liability in the event of such happenings. Even if your company is not mandated to cover employees in certain industries, (e.g. theatre, hotels and cinemas), our policy has irresistible benefits.Our Work Injury Compensation Insurance goes a step further to compensate your employees if they become permanently disabled when working on your company. In the event of death, compensation is passed to the employees’ dependants. As an employer, the policy keeps you from costly claims from employees who can hold you liable for accidents or diseases they suffered in your workplace. Our plans cover contract based workers and all employees under apprenticeship irrespective of their earning level. The plan also takes care of any legal liability arising due to your negligence as an employer.icon-quote-left Under the MOM Employment Act, Work Injury Compensation Insurance is compulsory for all manual workers and non manual workers earning less than $1,600 per month. It is not a statutory obligation to insure staff who do not fit the above criteria, but you can decide whether to buy such insurance or other corporate benefits as you may be required to compensate your staff in the event of a valid claim, after weighing the risks involved with price of the insurance premiums.On a side note, should you own foreign workers in your firm, it is imperative to cover them with foreign worker medical insurance of at least $15,000 under MOM employment regulationsicon-quote-right
Benefitsicon-check-circle Our policy helps you to comply with the law.
icon-check-circle We ensure adequate protection and greatest benefits for your employees’ medical expenses.
icon-check-circle Our plans cover your employees’ leave wages in the case whereby they are temporarily unfit to report for work.
icon-check-circle We compensate your employees in the event of permanent incapacity
icon-check-circle In the event of death, we will issue compensation to your employee’s dependants.
icon-times-circleUsual exclusions relating to war, war like operations, strikes and nuclear waste risks are not included in our plans. icon-times-circleAll liabilities arising from employees who do not meet the definition of “employees” in the legislation, for eg, employees of independent contractors or self employed. icon-times-circleAll injuries caused by alcohol influence, drugs or non-prescribed prescription drugs can not be insured. icon-times-circleAll accidents and incapacities resulting from deliberate self-injury and suicide are also not insurable. icon-times-circleSelf-employed, maids/domestic workers, Singapore Armed Forces, Singapore Police/Civil Defense Force and Singapore Prisons Service persons are also not covered by our Work Injury Compensation Insurance in Singapore.
icon-phone In the event of an accident, please contact our support immediately to file a claim. icon-files-oTo expedite the claims procedure, always include the supporting documents such as:
Injured employee’s details.
Time and scene of the accident.
Medical bills, invoices and bills in case of hospitalization.
Death certificate in case of employee’s demise.
icon-money After receiving your claim, we will do our best to reimburse or compensate the concerned parties within the shortest time possible.
icon-question-circleDOES YOUR POLICY COVER MEDICAL EXPENSES INCURRED WHEN MY EMPLOYEE(S) ARE WORKING OVERSEAS?icon-comments-o Yes. The Work Injury Compensation Insurance will cover all medical costs incurred when your employee is working overseas provided that immediate medical treatment is needed during that period.
icon-question-circleWHO IS ELIGIBLE TO FILE A CLAIM UNDER THE WORK INJURY COMPENSATION SCHEME?icon-comments-o Employees insured under the policy are eligible to make a claim provided the accident was work-related including occupational diseases contracted during the course of the employment. Also, in the event of death, the employee’s dependants have the right to claim for the benefits.
icon-question-circleI HAVE NOT COVERED ALL EMPLOYEES ACCORDINGLY, WHAT WILL HAPPEN IN THE EVENT OF A CLAIM?icon-comments-o According to Singapore law, you are required to purchase a policy for all manual employees regardless of their wages and all non manual employees earning $1,600 and lesser. In case one or more employees are not covered, our policy will not cover the full liability.
• Join our client base and enjoy utmost cover and benefits together with hundreds of happy and satisfied clientele.• Enjoy superb services from our highly trained consultants with more knowledge on top of insurance and claims processes.• Get free review on your portfolio with no strings attached. Once we identify your needs, we can help you make a sound decision on Work Injury Compensation Insurance for your Singapore workers.• Save time with our paper work processing via email, fax or scan any time of the day.• Exceptional after sale support for claims, renewals and coverage reviews.• Get a choice of 3 detailed and competitive quotes from established insurers in Singapore including: icon-star AVIVA Ltd icon-starAXA Insurance Singapore Pte Ltd icon-starAIG Asia Pacific Insurance Pte Ltd icon-starChina Taiping Insurance (Singapore) Pte Ltd icon-starEQ Insurance Company Ltd icon-starLiberty Insurance Pte Ltd icon-starMSIG Insurance (Singapore) Pte Ltd icon-starNTUC Income icon-starOverseas Assurance Corporation (OAC) icon-starQBE Insurance (International) Limited icon-starRSA – Royal & Sun Alliance Insurance Plc icon-starTokio Marine Insurance Singapore Ltd.
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