Enforcement action: MOM, 13 October 2026.
A work injury claim by a former worker of a food business was questioned as possible cheating. It was not. The Police found no evidence that the former worker had committed the offence of cheating and are taking no further action, and MOM investigated the work injury compensation claim and found no evidence of fraud. The claim is admitted and processed by the designated insurer, which had already reimbursed the employer in June 2025 for the medical cost and medical leave wages up to then.
The finding went the other way for the employer. Its policy covered two employees and did not cover the remaining employees the Work Injury Compensation Act required it to insure. MOM issued the company a stern warning for that lapse.
What this means for a Singapore SME
The insurance duty is set by who is employed, not by who the business chose to list. A work injury compensation policy that names fewer employees than the law requires leaves the gap with the employer, and the gap surfaces at the worst moment: when a claim arrives.
MOM also points to the process both sides have. Employers and employees can raise objections before a claim is settled, and either can approach the designated insurer or MOM for help with a work injury compensation matter. MOM says it will not hesitate to act against false or misleading claims, and against circumvention of the framework.