Do live in Singapore? Are you a professional who offers specialized services to people? If yes, you need to read this article carefully, as it contains intricate details about a type of insurance that can protect you when things go south.

Whether you are an accountant, lawyer, business strategist, weight loss coach, doctor, or you offer some sort of services to people, you need to be protected. Why you ask? Well, the reason for this is because things may not go the way you planned and professional indemnity protection is required.

For example, if you are a business strategist, and offer advice to a promising startup to help it increase its customers and revenue. Unfortunately, your advice didn’t yield positive results. In fact, the startup lost thousands of dollars because they followed the strategies you provided. When this happens, you are likely going to be sued and may end up paying thousands of hard-earned dollars to bail yourself out of the hot mess you are in, and in keeping your business afloat.

The following article by Cimaglobal shed light on a special type of insurance that can protect professionals when things don’t go according to plan.

Professional indemnity insurance

As a CIMA Member in Practice (MIP), you must have Professional Indemnity Insurance (PII). Not only is it a mandatory requirement, but it is also in your interests and that of your business to have appropriate levels of Professional Indemnity Insurance. Read more here.

You likely now know a few things about professional indemnity insurance like- who can opt for it and what it protects against. You also now know a thing or two you must keep in mind before opting for it. Before making a final decision, you must consult a professional to help you determine the extent of protection you should opt for.

The following article by Adam Hayes explains how indemnity insurance works and how you can get the most out of it.

Indemnity Insurance

Indemnity insurance is a contractual agreement in which one party guarantees compensation for actual or potential losses or damages sustained by another party. Most commonly, it is an insurance policy designed to protect professionals and business owners when found to be at fault for a specific event, such as misjudgment. Read more here.

You likely know have a clear picture of how liability insurance works, who can opt for it, and how to get the most out of it. You also now know what it covers and doesn’t cover. But do you know what set it apart from liability insurance and other types of insurance out there? Read the following article carefully to find out more.

The following article by Business shed light on the difference between liability insurance and professional insurance.

Liability insurance and professional indemnity

If you own a business, you can be liable for damages or injuries to another person or property. Though liability insurance is mostly optional, you might want to consider it for your business if the likelihood of legal action is high. Read more here.

You surely now know that public liability insurance protects against financial risk from property damage, consequential loss, death, and injury of a client, and so on. You also now know that professional indemnity insurance help covers the cost of legal action that may be due to a breach of contract, mistakes, and miscalculations.

Final note

Keeping business or a career afloat in this ever-changing economy is no walk in the park. Even if you do your best to satisfy the needs of your customers and offer the best of services, there is no guarantee that your business will thrive.

The reason for this is that certain issues like giving poor advice, miscalculations, medical malpractice, and so on can derail you from your goal and drag you into a bottomless abyss. If your business isn’t protected, you are finished.

However, if you have professional labiality insurance, you can be confident that you will be able to come out of certain situations with a smile on your face.

As a business owner or a professional, it is your responsibility to do whatever it takes to keep your business afloat. To do this, you have to figure out, not just how to make your business or career grow or how to increase your customer base, but also how to protect your business and reputation when legal action is taken against you perhaps because of a mistake, miscalculation, and omission you made.

The best way to protect your business from cases like this is by having protection through indemnity insurance. Keep in mind that it is not mandatory to have it in a certain industry and profession. However, if you are doing any of the following, you should consider opting for it as soon as possible- accountants, interior designers, IT consultant, town planning, doctors, surveyors, fitness coach, risk management, construction, and so on.

The following article by Lloydsbank shed light on some reasons why professionals in the above industries should have professional indemnity insurance?

Do I need Professional Indemnity Insurance?

Here are some reasons why you may need Professional Indemnity Insurance which might help make things clearer: You provide advice and consultancy – Clients can claim compensation if there’s a mistake in the advice you’ve given. Read more here.

You likely now know some gripping reasons why professionals should have PI insurance. You also now know a solid strategy that can help you determine how much cover you need. Before making a final decision or opting for it, there are some important things you must keep in mind.

The following article by Bytestart shed light on everything you need to know before buying a professional indemnity insurance cover.

ByteStart’s Guide to Professional Indemnity Insurance – What You Need to Know Before Buying Cover

If you are in business or starting up a new venture, and you are providing any type of professional service to clients, you will need to look at taking out Professional Indemnity Insurance cover. Read more here.

You are likely now abreast with some important details about PI insurance you probably didn’t know before. You also now know some key things to look out for when choosing a PI insurance policy. But do you know the benefits you will enjoy when you have it? Do you also know what it covers? Read the next article carefully if you don’t.

The following article by Simplybusiness discusses what Professional indemnity insurance cover.

What does professional indemnity insurance cover?

Professional indemnity insurance can cover compensation payments and legal fees if a business is sued by their client for a mistake they’ve made in their work. The compensation payment will usually take into account the financial loss that the client has suffered. Read more here.

You likely now know that PI insurance can help cover legal fees and compensation payments. You also now know that PI can also cover bodily injury, property damage, and losses that occurred because of your negligence, error, omission, miscalculation, and malpractice. 

Final note

Preparation is undoubtedly one of the keys to business success in Singapore and other parts of the world. But what exactly does it mean to prepare? Well, it can mean everything from having insurance to taking steps to prevent your business from bankruptcy. 

As a business owner or professional, you have the complete freedom to opt for any insurance to protect your career.

However, if you offer specialized services to customers, then it is wise you opt for professional indemnity insurance. The obvious reason for this is that it can help cover legal charges and compensation when your clients suffered losses because of a mistake you made. So, if you aren’t leveraging it, you are missing out.

If you offer professional services and advice to other businesses, and you don’t have professional indemnity insurance, your future is at risk. Because of the ever-changing business terrain in Singapore, professionals cannot be 100% sure that their advice, strategies, and services will yield positive results.

Scheme, tactics, and policies that may be working right now may become obsolete and ineffective in a week, month, or a year time. If you happen to give advice to a client, and it didn’t yield the desired result or caused damages and losses, legal action is surely going to be taken against you.

What are you going to do when this happens? Where are you going to get the money to compensate the client who suffered losses? If you don’t have some sort of indemnity insurance for professional services, you are finished. That said, the best type of insurance for issues concerning, miscalculations, negligence, omissions, and so on, is PI insurance. Want to find out more about it? If yes, read this article carefully.

The following article by Kelvin Pratt shed light on some percussive reasons why professionals in Singapore and other parts of the world should get professional indemnity insurance.

Consider professional indemnity insurance and get covered today

Professional indemnity insurance is designed to cover the cost of any claims made against your company by a client for any losses they suffer because of your work or advice. It is usually included as part of your general business insurance policy. Read more here. 

You are likely now abreast with some convincing reasons why every professionals need to have PI insurance. You also now know that PI insurance covers everything from losses because of copyright-protected materials to losses because you shed sensitive information, misleading advice, and mistakes. But do you know how it works? If you don’t, you are going to find the next article useful. 

The following article by Towergateinsurance shed light on some important things you need to know about professional indemnity insurance.

Professional Indemnity Insurance Explained

Professional indemnity insurance is a type of liability insurance designed to protect businesses and individuals who provide advice or expertise to third parties. Also known as professional liability insurance or errors and omissions insurance (E&O) Read more here.

You likely now know a thing or two about some common types of insurance. You also now know what professional indemnity insurance is for and professionals that should opt of it. Even after knowing these, you must dive even deeper to determine- how much PI insurance you need and how much it will cost you to get it.

The following article by Publicaccountants shed light on some important details you need to know before opting for professional indemnity insurance.

Professional Indemnity Insurance

IPA Insure recognizes the importance of a highly competitive Professional Indemnity insurance policy for IPA members. Underwritten by CGU, our Professional Indemnity insurance is specifically tailored to meet the risk exposure of accountants, Read more here.

You surely now have a clear picture of how Professional indemnity insurance works. You also now know the benefits you will enjoy when you opt for it. Depending on the nature of your business or the services you offer, you may have doubts and questions because you are new to it. Don’t let them overwhelm you. Instead, consult an expert and satisfy your curiosity.

Final note

 As a professional, you have the complete freedom to choose Professional indemnity insurance. However, if you want to thrive and dominate your competitors, you must opt for it.

The reason for this is that we humans can make mistakes that are often very costly to fix. In some circumstances, you may have to pay a small fortune to address a pellet size mistake you made a while back.

 PI insurance is the best way to protect your career and future against errors, omissions, damages, losses, and miscalculations you may have made while addressing the need of your clients.

What Threats are Intrusion Detection Systems Designed to Block?

Organizations are exposed to both internal and external threats. One of the most prominent threats organizations face are internal breaches in the network security systems. Unfortunately, many members of staff are curious about systems they are restricted from accessing. Some find ways to get into the system, and this can be a cause of worry for the management. The attempt to gain access to a controlled system may be detrimental to a company, mainly if this attack affects client accounts or compromises the data. Using intrusion detection systems will protect the integrity of the organization.

An integrated Intrusion Detection System in Singapore is not easy to find. If you are looking for an Intrusion Detection System, look for ATT Systems. They have a wide range of expertise and can advise you on your security needs. Visit their site today.

In this article by Vivek Vahie,  possible threats are discussed together with intrusion detection systems used to protect the system from these attacks.

How to determine if your company needs intrusion detection systems

“Unauthorized access to networks is currently one of the most serious threats to the hosting business. Intruders and viruses present the two biggest security threats to the industry. Let us examine three key definitions: intruders (or hackers), intrusion, which is a formal term for describing the act of compromising a network or system, and Intrusion Detection Systems……” Read more here

If your company sometimes has unattended workstations, avails access to the network at odd hours, offers internet access to employees, or if there are possibilities of impersonation to access data, you need intrusion detection systems. Rather than taking risks, especially with client data, it is essential to take the necessary precautions by using the available intrusion detection systems. Once boundaries are set, it limits possibilities of internal threats. This way you can focus on the unknown dangers, and the employees can focus on their responsibilities.

In this article, Ron Lepofsky discusses the types of intrusion detection systems and their application.

How IDS, IPS, HIDS and NIDS operate

“Intrusion detection technology presents a confusing array of acronyms, abstract concepts, and hazy deliverables. This exacerbates the difficult situation for executives who are asked to pay for these security goodies. In a nutshell here are the questions and answers about everything an executive may want to know about IDS:….” Read more here

Intrusion detection systems identify patterns of traffic. It assesses the norm so as to distinguish it from the abnormal traffic. Once the IDS identify specific trends, it saves the data to serve as a reference point in case of any future attacks. The intrusion detection system helps to retain the credibility of the documents as well as retain the confidentiality of client information. The use of intrusion detection systems also protects the authenticity of data.

In this article, Mary K Pratt discusses intrusion detection systems, their value as well as the challenges.

How vital are intrusion detection systems in modern enterprises?

“An intrusion detection system (IDS) is a software application or hardware appliance that monitors traffic moving on networks and through systems to search for suspicious activity and known threats, sending up alerts when it finds such items. A longtime corporate cyber security staple, intrusion detection as a function remains critical in the modern enterprise, but maybe not as a standalone solution.” Read more here

It is sometimes difficult to keep track of the kind of traffic you are receiving in your network. Intrusion detection systems give visibility to this traffic. It analyzes and distinguishes the norm from the unique and questionable traffic. Unfortunately, IDS is not able to distinguish friend from foe. Sometimes it mixes up the two due to the false signals it receives. For example, if you have forgotten your password and keep keying in the wrong one, it automatically assumes there is infiltration. However, even with these challenges, IDS are very important as more businesses move from manual to be digitalized systems. With the right support, intrusion detection systems are an essential component of security.

Cybersecurity continues to be a vital part of organizations. As more data continues to be generated, exposure to threats has become a cause of worry. However, with the right software and hardware, organizations and individuals can still retain some control on the information in the systems. By accepting that there will always be a possibility of cyber-attacks, companies can be better prepared to keep off the potential threats with the use of IDS.  

It may be difficult to treat tough pains, especially when you have been trying to stay away from the most commonly used techniques like camphor bandages and aspirins. Although these methods can be highly effective, there is a chance of them causing irritation to the skin or have an undesirable interaction with other medications.
A magnetic field therapy or magnetic therapy is considered to be an alternative medical treatment where treating illness, alleviating discomfort and pain and maintaining health are taken care by use of magnets. The practice is known to be useful for those patients who are suffering from both serious conditions and light conditions. Visit to get additional information.

In fact, the most widely used treatment is to use a magnetic patch that can be positioned in any part of the body. The magnetic patch has an impact on a magnetic field that penetrates deep into the affected body zone. Thereafter, it immediately offers relief to the patient and also promotes healing.

Following are some of the benefits of magnetic therapy:

Alleviating pain naturally
The therapy has been in use all around the globe for many centuries. In fact, many people regard the treatment as perfect to get relief from pain. The practice is regarded as an effective and safe method to get relief from pain caused due to conditions such as knee pain, muscle spasms, carpal tunnel syndrome, asthma, migraine, tendonitis, and arthritis among others.

Generally, a magnetic patch is placed over the affected part where an individual is experiencing pain. Studies claim that these magnets function by influencing the ion channels of the body that control the pain signals without producing any side effects.

Improved sleep
Today, a large number of people are known to use magnetic patches to soothe pains and aches. Magnetic therapy can provide relief from pain so that a person can sleep faster, have a proper rest and wake up with new vigor and full energy to face the day.

Helps in healing after a surgery or an injury
Ideally, people use heat and ice for reducing pain, bruising, and swelling in an injured part of their body. You will be surprised to know that magnetic therapy is known to offer similar benefits of heat and ice. However, it has a faster effect on the injured area. Many clinical trials and studies performed on both animals and human beings have revealed that magnetic therapies can speed up the process of healing from surgical wounds and bone fractures. Since they can instantly reach beneath the muscle tissues, there is a faster relief from pain.

All employees involved in hazardous occupations know and fear that an accident in the workplace can cause permanent disability or death. Even if the disability is temporary, the earnings lost because of medical leave can be substantial. The Singapore government devised the Work Injury Compensation Act (WICA) to compensate workers for work related injuries and illnesses.

The WICA is an alternative to the common law procedure to seek compensation for work related injuries and illnesses. A common law court requires not also a lawyer but also the legal fees charged by the lawyer and the courts.

Additionally, the decision is taken by a judge and the employee will have to prove that illness or accident was due to the negligence of the employer. Under the WICA, the applicant does not require a lawyer or any legal fees. Instead of a judge, the final decision is taken by an Assistant Commissioner appointed by the Ministry of Manpower (MOM).

The main two benefits of the WICA are as follows.

The person filing the complaint will only have to prove that the accident was caused either during work or as a consequence of work. There is no necessity to prove negligence on part of the employer.

Under the WICA, claims settlement is remarkably faster when compared to the common law process.

After having seen how the WICA functions, let us see the types of injuries and illnesses compensated under this act.

A single line description of the scope of WICA is as follows. WICA allows workers to seek compensation from employers for accidents and illnesses that occur not only because of work but also while working. Four types of scenarios covered by WICA are described below.

Accidents that occur because of the nature of the job performed

Many industries, like construction, oil and gas and mining involve the handling of machines where a life threatening injury can occur anytime. Similar risks are involved while working at heights. Under the provisions of the WICA, employers have to compensate the injured employee within 21 days from the date of service of the notice of assessment (NOA) issued by the MOM. The remarkably short frame of time given to the employer to pay the claim amount is critical in ensuring that critical medical treatment is available to the affected employee.

Accidents that occur when the employee is deployed on an overseas job

A unique feature of the WICA is that workers should be compensated for injuries that occur when they are on foreign assignments.

Accidents that occur during the course of completing a work assignment

Any situation where the employee is involved in an activity related to his or her employer is covered under this condition. For example, accidents that occur while travelling to and from the workplace in a company vehicle are covered under this condition. On the other hand, accidents that occur while travelling to and from the workplace in a vehicle that does not belong to the company are not covered under this condition. In a similar manner, a road accident that occurs while the employee is on a work assignment outside the workplace is covered under this condition. A road accident that occurs if the employee is doing a personal task is not covered under this condition.

Long term illnesses caused by exposure to chemicals and radiation are also covered by the WICA.

The WICA mandates that employers seek insurance cover for all manual work and for non-manual work where a person earns a monthly salary of less than $1600. Even though many employers might feel that Worker Injury Compensation Insurance is not necessary for them, it is not wise to do so. Remember that a workplace injury includes electrocution and fires that occur in the office premises. It is, therefore, necessary for all employers to take a Work Injury Compensation Insurance policy.

Work injury compensation insurance is a plan that provides legal coverage to the employers. . Such a policy is also helpful in satisfying the liabilities that are imposed upon them under the statute of workers’ compensation. The coverage is important for employers since it is useful for them to pay compensation in the event of a death or injury of their employees while they are at workplace. Although there is no doubt that it is an extremely crucial corporate insurance product, there are several employers who would rather not purchase it as there are several misconceptions surrounding them. Here are some of the top myths on work injury compensation insurance debunked.

Myth 1: Work injury compensation insurance is only meant for large organizations and not contractors all risk insurance singapore .

Although you may have a few workers you will require work injury compensation insurance. Yes, it is an optional coverage, but it is recommended that you buy this policy as you could be still held responsible for any type of injuries caused to your workers while they are at work

Myth 2: You feel that the working environment at your workplace is safe and your workers are not likely to get injured.

In reality, it is one of the most important responsibilities to provide a conducive and safe working environment to your workers since you are the employer. No matter how safe you feel the workplace is, accidents can still take place leading to injuries. Thus, it is definitely useful to purchase a work injury compensation insurance policy so that you are ready for any kind of eventualities. Though it may appear unlikely, it is always better to be safe than to be sorry later.

Myth 3: When most of your workers are not located in your office, you need not purchase a work injury compensation insurance coverage.

Though your staffs may be working for you from various other sites, you may still require purchasing a work injury compensation insurance plan. After all, there will not be any key impact due to the geographical location where they stay.

Myth 4: You part as an employer ceases since you have already given the compensation under your work injury compensation insurance.

Your most important role as the employer begins of after you paid the compensation through a work injury compensation insurance. It is essential for you as an employer to establish frequent connection with the injured employee so that you can monitor their recovery process continuously. When you do so, you will know when your injured employee will be able to resume his or her work. On several occasions, employees not only expect monitory benefits but also appreciate the human youth and sympathy that you extend towards them as their employer. Additionally, in case your employee sustains an injury due to alteration in their professional responsibilities; you may find a fresh job for that worker prior to their resuming work post recovery.

Myth 5: Your part-time workers do not fall within the scope of work injury compensation insurance

In reality, your employee’s status is not important of you plan to apply for a work injury compensation insurance policy. In fact, all employees who are a part of your payroll can be under the purview of this corporate insurance and that includes full-time as well as part-time workers.

Myth 6: You feel your workers are like your family members. Hence they will never sue you

While it is good to know that you regard your workers like the members of your family, you could be mistaken when you do not purchase this coverage thinking that they will never sue you. If you do not have work injury compensation insurance, you may have to make payments from your own pocket in case an injured worker sues you.

Claims for Work Injury Compensation can be made either by the Work Injury Compensation Act (WICA) or Common law. In both cases, a strategic procedure has been set in order to provide fast processing of the insurance claims so that the insured can be compensated at the earliest.

The procedure is as follows:


STEP 1: REPORTING – the accident must be reported to the employer immediately after it happens. Based on the information and the severity of the accident, the compensation will be determined. In case there is no real threat or injury to the insured, work injury compensation will not be given.


STEP 2: FILING A CLAIM – the employee or insured has the freedom to choose his claim from either the work injury compensation or common law. He must file a claim within one year from the accident.


STEP 3: MEDICAL ASSESSMENT – the insured has to undergo medical assessment in order to receive the compensation. The doctor has a list of guidelines and treatment that he needs to exercise in order to understand the seriousness of the injuries based on which the payable amount is calculated. Once the insured receives the medical report, the insured or claimant must promptly submit it to the hospital or treatment center along with the medical fees stipulated by the hospital. The fees are paid by the employer. Follow ups of appointment dates and undergoing treatment is mandatory for the claimant. The claimant cannot work if he is found to be unfit by the doctors who treat him. If there is a case of doubt, the claimant can seek the advice of the doctor.  The claimant cannot be forced to work when he is still in the recovery phase and advised by the medical experts to take time off from work. If the claimant is forced, he can request for assistance from the MOM (Ministry of Manpower). But the claimant has to be sincere in his appointments. If he continuously changes doctors or does not attend the medical assessment, the compensation can be suspended.


STEP 4: COMPENSATION AMOUNT – once the medical assessment is performed and the medical report is ready, the report is submitted to the Ministry of Manpower where a Notice of Assessment (NA) is issued to the insured, employer and the insurer. The amount of compensation is mentioned in the NA. If there are any conflicting opinions about the NA, a notice of objection can be raised within 14 days to the Commissioner of the Ministry of Manpower.


STEP 5: CLAIMS – if there is no objection, the amount of compensation can be claims within 21 days after the issue of the Notice of Assessment.


These clear guidelines help make the compensation procedure clean and mess-free. When such well-established procedures are in place, malpractices can be kept at bay.

A performance bond safeguards the interest of the owner of a project and ensures that the project finishes on time, irrespective of any unforeseen circumstance that may otherwise hinder the completion of the project. Following are some of the key benefits of performance bond:

Confidence: Performance bond Singapore lends credence to the ability of a contractor who is about to undertake a project, as stringent measures are taken to assess the financial and professional credentials of the contractor before the bond is issued. The whole prequalification process instills project owner’s confidence in the contractor as the project owner is assured about the ability of the contractor and enough proof that the contractor, in the past, has complied with the guidelines of the completed projects.

Financial security: A performance bond ensures that the project owner doesn’t incur any loss during the course of the project, if the contractor defaults, or pays any additional cost for the completion of the project. If the contractor fails to comply with the terms and conditions of the project or declares bankruptcy before the completion of the project, the owner becomes entitled to make a claim and that’s when the surety company steps in. The surety company then verifies the legitimacy of the claim and takes a decision based on the findings. If the claim has substantial merit, then the surety company ensures that the owner is not impacted financially as a result of the default.

Guarantees completion of a project: A performance bond is meant to protect the interest of a project owner and it ensures the completion of a project even if an undesirable situation crops up. If a contractor fails to adhere to the terms and conditions specified in the contract, the surety company steps in to ensure that the project finishes as planned. Upon receipt of a valid claim, the surety company would either provide financial funding for the completion of the project or would hire a new contractor to complete the pending work.

Apart from that, performance bond Singapore entails other associated benefits as well. If the contractor exceeds the deadline of the project or violates budgetary constraints specified in the contract, the project owner can make a claim. In short, it provides all necessary protections to project owners and they should ideally ask contractors to obtain performance bonds before entering into a contract so that their project is not affected by a situation that can be avoided if preventive measures are taken.

Many people get baffled as far as the topic of car insurance is concerned. Moreover, there are so many myths that surround the subject of vehicle insurance, aggravating the situation further. These misconceptions about the vehicle insurance can be easily busted when you do dome sort of a research. When you are aware of the facts, you are in a much better position to select the right car policy and ensure that you enjoy the most profitable rate.

Take a look at some of the top myths that are associated with car insurance and the fact behind them.

Myth 1: All car insurers rate in the same manner.

Here is a myth that makes many people believe that in their unique scenarios like an accident, being a new driver or a ticket will not let them get a more profitable premium eaten anywhere else. In reality, all car insurers follow their own unique system to rate coverage. Each insurer then goes on to give a distinct rate according to a host of factors, which determine the premium rates. So, if you shop around before making the final decision, it will be a wise decision.

Myth 2: You are entitled to purchase a car insurance policy irrespective of the type of car you are driving

This is not true at all. Irrespective of whether you are driving a car that belongs to your friend or a rental vehicle, your coverage may not always follow you in the capacity of a driver. Insurance is linked with the driver but with the car. So, if you are driving a friend’s car, it is their insurance, which will take a priority for paying a claim. As far as the rental cars are concerned coverage for that can be added to your car insurance policies. However, if you do not add it, you will not get any cover for a damage caused to your rental vehicle.

Myth 3: You need not pay for an increase in the event of accident forgiveness

If you want to avoid an increase in insurance for that first accident of yours, accident forgiveness is a great option. However, you need to bear in mind that the feature has got its own set of limitations. All insurers have certain situations that are out of their forgiveness program. If you intend to change your insurer, the previous forgiveness does not move with you. Your new car insurer can even charge you for fault insurance, which is on the record.

Myth 4: It is not possible for the new drivers to bring down their rates

While there is no doubt that a new driver may end up paying higher rates that does not signify that the insured cannot do anything about it. Insurers may offer some discounts to the new drivers so that they can avail lower premium rates such as discounts on courses for driver education and discount for the good students.

Allegiance can take care of all your queries on insurance related services and levy bonds.

The Work Injury Compensation Act or WICA is a quick and efficient means that allows an employee to claim compensation for work related injuries or diseases without the need of legal procedures.

The First Step

In the case of an accident at work resulting in an injury or a disease, inform your employer as soon as possible. You can also report the incident to the Ministry of Manpower to avoid possible disputes. In fact, every employer has the liability to report to MOM if an accident at work has caused an employee to be hospitalized for 24 hours or to take medical leave for more than three days. The original Medical Certificate is to be given to the employer to claim medical leave wages. Your employer has the obligation, under WICA, to pay the medical bills incurred by the injury or the disease. Even if the employer is waiting for the insurance claim, he is required to pay the medical leave wages by the next payday. Hence, any failure in this matter can be reported to the MOM.

RTW Treatments

According to the changes in the Work Injury Compensation Act effective from 1 January 2016, treatments that are directed toward an employee’s quicker return to work are incorporated under the term medical expenses. Return to Work or RTW activities that can claim WICA compensation include case management, evaluation of functional capacity and assessment of worksite in view of the proper rehabilitation of injured workers.

Serious Injuries

In the case of an injury resulting in a permanent incapacity, you can claim the compensation amount set out by WICA by submitting the relevant claim form within one year, counting from the day of the accident. A waiting period of 3 to 6 months may be required for the doctor to assess the degree of permanent incapacity and submit his report. If you fail to make the required medical appointments, your claim may be suspended.

If you are the holder of a Work Permit, your employer has to provide you with accommodation and food during the recovery period.

The compensation amount is calculated based on the medical report sent by your hospital and MOM issues a notice of assessment or NOA to you, your employer and your employer’s insurer. An objection can be filed within 14 days and if not, the amount will be paid to you by the insurer.

In the case of the death of an employee, his family or dependents may claim the compensation sum. Even if the employer is no longer in business, he will have to pay the claim if it is eligible.