Foreign Worker Insurance
WICA-compliant foreign worker insurance for Singapore employers — covering medical, disability compensation, and repatriation as required by MOM.
Backed byAXA · Chubb · Allianz · Zurich · Manulife
"TRS handled our FWI renewal for 85 workers within a single day and ensured we were fully MOM compliant. Zero complications, no delays."
Full MOM compliance, simplified
Covers all work injury-related medical costs as mandated by the Work Injury Compensation Act — including specialist treatment and hospitalisation.
Lump sum compensation paid to the worker for partial or total permanent incapacity resulting from a work injury, as required under WICA schedules.
Compensation payment to the worker's dependants in the event of death arising from a work accident or occupational disease, at the rates set by MOM.
Covers the costs of repatriating an injured foreign worker to their home country for ongoing treatment or upon death. Required under FWI policy conditions.
Yes. Under the Work Injury Compensation Act (WICA), all employers of foreign workers holding Work Permits or S-Passes must maintain WICA-compliant insurance before the worker commences employment.
A compliant policy must cover medical expenses (up to S$45,000), permanent disability compensation per MOM schedules, death benefit, and repatriation costs for foreign workers.
TRS manages individual renewal dates for all your workers and sends reminders well in advance. We can align renewals to reduce administrative complexity where possible.
Employers without valid FWI coverage face fines and are personally liable to pay all compensation under WICA. TRS ensures no gaps in coverage during permit renewals or worker changes.
Yes. TRS arranges group FWI policies covering workers of all nationalities under a single policy, simplifying administration and often reducing per-worker premium costs.