Workmen injury compensation Act (WICA) is a mandatory requirement by MOM.
No,
probably not in this case. I believe Kelvinang is considered self-employed (or at least an independent contractor) in the local legal sense and thus not covered under the WICA.
Let's revisit the employer's requirement:
kelvinang said:
1) The policy I was asked by the company to get is a "Workers compensation which covers you for injury whilst you are working" - i.e. if on the route to meet a client and some ceiling fall on my head [should be personal accident?]
First of all, I think what the employer is trying to do is
to protect the employer, not necessarily the employee.
A Personal Accident (PA) insurance policy doesn't fit the exact definition of the employer's requirement as stated. A PA insurance policy provides a monetary payout when certain (not all) accidents occur, while working or not. (And sometimes work-related injuries and accidents
aren't covered. These policies routinely exclude coverage for certain professions and activities.)
To my knowledge there's no true work injury compensation insurance available to self-employed workers and independent contractors in Singapore. This requirement cannot be fulfilled
as written. And Kelvinang evidently already has some PA insurance coverage. My advice would be to go back to the overseas employer, explain this fact (no individual work injury compensation insurance), and ask if they'd instead pay for an individual Disability Income Insurance (DII) policy. DII is much, much more important in terms of insurance priorities, so I'd start there.
