MOM requires WIC insurance for employees doing manual work and for non-manual employees within its stated salary threshold. The compulsory-insurance rules and liability for compensation are separate questions.
Use the official MOM rules to classify employees, including actual work duties. An office job title alone is not a reliable description of every person’s tasks.
Bene helps employers with Work Injury Compensation Insurance as well as employee benefits. Group medical or personal accident cover should not be treated as a substitute for compulsory WIC insurance.
Sources
- Ministry of Manpower (Singapore): Work injury compensation insurance
Who needs to be insured; compulsory insurance
Reviewed 23 October 2026 · Source details