Singapore WSH Act & WICA Insurance Employer Guide 2026

Complete guide to Workplace Safety and Health (WSH Act) & Work Injury Compensation Act (WICA) insurance in Singapore. Explains accident reporting & coverage.

Statutory Overview & Legal Framework

Workplace safety and injury compensation in Singapore are regulated by the Ministry of Manpower (MOM) under the Workplace Safety and Health (WSH) Act and the Work Injury Compensation Act (WICA 2019). Employers have a statutory duty to maintain a safe working environment, conduct risk assessments, and maintain compulsory WICA insurance for all manual workers (regardless of salary) and non-manual employees earning S$2,600 per month or less (excluding overtime, bonuses, AWS, and certain allowances). Work-related accidents resulting in death, hospitalization, or any medical leave/light duty must be reported to MOM within 10 days of notification. Use this guide to manage MOM workplace safety compliance.

Core Statutory Criteria & Regulations

WSH Act Workplace Risk Assessment MandateWSH Risk Assessment

Employers must conduct risk assessments, eliminate workplace hazards, and implement safe work procedures for all operations.

Compulsory WICA Insurance Coverage ThresholdsWICA Insurance

Mandatory WICA insurance required for all manual employees and non-manual employees earning S$2,600/month or less.

MOM Work Accident Incident Reporting RulesAccident Reporting

Work injuries resulting in medical leave or light duty must be reported electronically on MOM WSH portal within 10 days.

bizSAFE Capability Building FrameworkbizSAFE Program

5-step WSH Council programme helping companies build workplace safety capabilities and qualify for business contracts.

Qualification & Compliance Requirements

Applies to all employers and workplaces operating in Singapore across all industries.

WICA insurance policies must be purchased from MOM-designated insurers.

Employers must maintain accident logs and report eligible workplace incidents to MOM.

Failure to maintain mandatory WICA insurance or report work injuries incurs statutory MOM fines.

Statutory Document & Application Checklist

Workplace Safety and Health Act (Cap. 354A) & WICA 2019

MOM-Designated WICA Insurance Policy Certificate

Workplace Risk Assessment Records & Safety Procedures

MOM iReport Incident Notification Submissions

WSH Council bizSAFE Certificate (if certified)

Step-by-Step Filing & Compliance Process

Conduct Workplace Risk Assessment

Identify workplace hazards, evaluate risks, and establish safe work procedures.

Purchase Compulsory WICA Insurance

Procure WICA insurance from MOM-designated insurer covering manual staff and non-manual staff (≤ S$2,600/mo).

Implement Safety Training & bizSAFE Framework

Train staff on safety protocols and participate in WSH Council bizSAFE certification.

Report Workplace Accidents on MOM iReport

In the event of a work injury resulting in medical leave or light duty, submit iReport on MOM portal within 10 days.

Process Work Injury Compensation Claims

Cooperate with MOM and insurer to disburse medical expenses and compensation to injured employees.

Frequently Asked Questions (FAQ)

Employers must maintain compulsory WICA insurance for all manual workers (regardless of salary level) and non-manual employees earning S$2,600 per month or less (excluding overtime, bonuses, AWS, and allowances).

Employers must report work-related accidents resulting in death, occupational disease, or any medical leave/light duty to MOM via iReport within 10 days of being notified.

WICA insurance covers medical expenses, hospital leave wages, and lump-sum compensation for permanent incapacity or death arising from work-related injuries.

bizSAFE is a 5-step program by the WSH Council that guides companies in building workplace safety capabilities and obtaining safety accreditation.

Yes. WICA is a no-fault compensation system, meaning eligible employees receive compensation regardless of who was at fault, subject to statutory exceptions.