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Worker Injury Compensation
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The Workmen Injury Compensation Insurance provides coverage to the Employer from claims by their employee on the Act Benefits, or Common Law Liability.
The Work Injury Compensation Act replaces the Workmen's Compensation Act from 1 April 2008. It is a Mandatory Insurance required by MOM and covers all employees in general, who are engaged under a contract of service or apprenticeship, regardless of their level of earnings or whether they are manual or non-manual workers.
Under the Work Injury Compensation Act, an injured employee is entitled to claim the following compensation benefits:
- Medical leave wages. These include (a) full pay up to 14 days for outpatient medical leave; and (b) full pay up to 60 days for hospitalization leave. Beyond these two periods, 2/3 salary is payable up to a maximum period of one year following the date of accident;
- Medical expenses. These include medical expenses incurred within one year from the date of accident and up to a cap of $25,000; and
- Lump sum compensation for permanent incapacity (PI) or death, if any. The compensation amount is subjected to the following limits:
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Limits
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Amount
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Permanent Incapacity
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Maximum
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$180,000 x % loss of earning capacity
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Minimum
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$60,000 x % loss of earning capacity
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Death
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Maximum
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$140,000
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Minimum
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$47,000
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The Common Law Liability under the policy is always limited to a maximum cap stipulated by the Insurer.
How to Purchase?
Please contact our servicing staffs at 6223 4188 or email an enquiry to
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for our quotation.
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