The Answer in 60 Seconds Per the MOM List of Designated Insurers PDF accurate as at 23 September 2026, 24 insurers are designated to issue WICA 2019 employer policies in Singapore. Buying WICA from any non-designated insurer is non-compliant under the Work Injury Compensation Act.

The Sourced Detail

Why designation matters

Under WICA 2019, only insurers designated by MOM ("designated insurers") may issue Work Injury Compensation insurance policies. WIC insurance policies issued by designated insurers must comply with the compulsory terms set out by MOM in the MOM regulatory regime summary for WIC insurers under WICA 2019: designated insurers are required to share claims information with MOM and with other designated insurers, and all claims arising from these policies are processed by the designated insurers.

The regime took full effect from 1 January 2021. You cannot legally hold WICA from a non-designated insurer; each designated insurer processes the claims under its approved policies, to the claims processing timelines and performance standards MOM sets for designated insurers; and claims data flows to MOM and to other designated insurers via the WIC Data Exchange Platform (EmPOWER-WIC).

The 2026 employer designated insurer list

Per the MOM-published list accurate as at 23 September 2026, the following 24 insurers are designated for employer WICA policies (alphabetical, with designation expiry dates):

  1. AIG Asia Pacific Insurance Pte. Ltd. (expires 7 Sep 2029)
  2. Allianz Insurance Singapore Pte. Ltd. (expires 8 Sep 2029)
  3. Allied World Assurance Company, Ltd. (expires 3 Sep 2029)
  4. Berkshire Hathaway Specialty Insurance Company (expires 3 Sep 2029)
  5. China Taiping Insurance (Singapore) Pte. Ltd (expires 4 Sep 2029)
  6. Chubb Insurance Singapore Limited (expires 4 Sep 2029)
  7. EQ Insurance Company Limited (expires 1 Sep 2029)
  8. ERGO Insurance Pte. Ltd. (expires 9 Sep 2029)
  9. Etiqa Insurance Pte. Ltd. (expires 9 Sep 2029)
  10. Great American Insurance Company (expires 1 Sep 2029)
  11. Great Eastern General Insurance Limited (expires 10 Sep 2029)
  12. HL Assurance Pte. Ltd. (expires 7 Sep 2029)
  13. Income Insurance Limited (expires 1 Sep 2029)
  14. India International Insurance Pte Ltd (expires 7 Sep 2029)
  15. Liberty Pte Limited (expires 2 Sep 2029)
  16. Lonpac Insurance Singapore Pte. Ltd. (expires 1 Jul 2029)
  17. MS First Capital Insurance Limited (expires 3 Sep 2029)
  18. MSIG Insurance (Singapore) Pte Ltd (expires 10 Sep 2029)
  19. QBE Insurance (Singapore) Pte Ltd (expires 4 Sep 2029)
  20. Singapore Life Ltd (expires 9 Sep 2029)
  21. Sompo Insurance Singapore Pte. Ltd. (expires 9 Sep 2029)
  22. Tokio Marine Insurance Singapore Ltd (expires 1 Sep 2029)
  23. United Overseas Insurance Limited (expires 9 Sep 2029)
  24. Zurich Insurance Company Ltd (Singapore Branch) (expires 4 Sep 2029)

Most expiry dates fall between 1 and 10 September 2029, and Lonpac's is 1 July 2029. MOM gives a designation a validity of 3 years, and an insurer applies to renew it at least 2 months before it expires. Each entry on the list also shows the insurer's UEN, WICA hotline and claims email. The PDF itself says the listing is for awareness purposes only, may not be complete at the time of publishing, and should not be used as a formal reference for legal arbitration.

A separate list of 6 designated platform-operator insurers (here) covers Platform Workers Act WICA, with designations running to October-December 2027. Of the 24 employer-WICA insurers, only 5 (Chubb, Etiqa, Great Eastern, Income, Singlife) are also PO-designated. Grabinsure is PO-only.

What's in the compulsory MOM-approved policy wording

Per MOM's summary of the regulatory regime for WIC insurers under WICA 2019, WIC insurance policies issued by designated insurers must be approved policies that comply with the compulsory terms set out by MOM. Common-Law Coverage is not part of the MOM Approved Wording. Insurers may offer Common Law Coverage as a separate policy or as an add-on.

This matters: many SME founders see "WICA insurance" and assume it includes the full common-law liability that an employer might face if a worker sues for negligence. It does not.

What changed on 1 November 2025

Per the MOM 8 February 2024 announcement, the WICA compensation limits rose from 1 November 2025:

  • Death: from S$225,000 to S$269,000 (about +19%)
  • Permanent incapacity: from approximately S$289,000 to S$346,000 (about +19%)
  • Medical expenses: from S$45,000 to S$53,000 (about +17%)

These limits flow through automatically into all approved WICA 2019 policies.

How to verify a quote came from a designated insurer

  1. Open the MOM designated insurer PDF
  2. Match the insurer's name and UEN against the quote
  3. Cross-check on the Find a WIC designated insurer page
  4. Check the MAS Financial Institutions Directory for the insurer's MAS licence status
  5. If your quote came via a broker, check the broking firm in the MAS Financial Institutions Directory; if it came via an agent of a general insurer, check the agent on the General Insurance Association's agent register

Notable structural changes since 2021

  • Singapore Life Ltd (Singlife). Per Singlife's corporate page: "It was formed from the merger of Singlife and Aviva Singapore in 2022." MOM's list names Singapore Life Ltd (UEN 196900499K) as a designated insurer; the Singlife/Aviva merger was Singapore's largest insurance deal, valued at S$3.2 billion, with rebranding from "Singlife with Aviva" to "Singlife" in 2023.
  • The arrival of the 6-insurer platform-operator (PO) WICA list from 2024 created a parallel regulatory track. SMEs operating ride-hail or delivery platforms cannot rely on employer-WICA designation alone; only the 6 PO-designated insurers can issue compliant platform-worker WICA.

The 2026 re-designation and what to watch

(a) Were all 24 re-designated? Re-designation is not automatic: an insurer applies to renew at least 2 months before its designation expires. MOM's list accurate as at 23 September 2026 shows all 24 insurers with designations running to 2029 (1 to 10 September 2029, and 1 July 2029 for Lonpac).

(b) Will the compulsory wording be amended? The WICA compensation-limit increase on 1 November 2025 (see "What changed on 1 November 2025" above) was already absorbed. The occupational-disease list expansion on 1 December 2025 (38 harmonised diseases under WSHA and WICA) may affect underwriting questions.

(c) What service standards apply? NTUC's PO-WICA explainer notes that PO insurers must respond to claimant hotlines within 3 working days and emails within 5 working days. The same standard already applies to employer-WICA insurers: MOM's Conditions for WIC designated insurers (version 2.1, 9 October 2024) cover both employer and platform operator insurers and require a free hotline and email service for claimants to check the status of their claims, with replies within 3 working days by hotline and 5 working days by email.

What This Means for Your Business

Companies typically need to consider three structural points when buying WICA: (1) designated insurer only - anything else is non-compliant; (2) approved policies must comply with MOM's compulsory terms, and MOM notes that employers can discuss riders with their insurer, such as cover for common law liabilities or for travelling to and from work; (3) premiums depend on declared payroll, manual/non-manual mix, occupation classifications, and claims history shared via MOM's EmPOWER-WIC data-exchange system.

Questions to Ask Your Adviser

  1. "Three of the designated insurers quoted me - can you compare the Common Law extension wording side-by-side?"
  2. "From 1 November 2025, my new policy must reflect the S$269k/S$346k/S$53k limits - can you show me where in the policy schedule that's documented?"
  3. "I have a mix of manual workers and office staff - what's the optimal way to declare for premium efficiency without under-insuring?"
  4. "If I switch designated insurers mid-year, what happens to in-flight claims under MOM's data sharing?"
  5. "I'm a platform operator - am I on the right designated list (the PO list, not the employer list)?"

Related Information

Published 3 May 2026. Source verified 3 May 2026.