Insurance Claims FAQs
No. Please email (claims@tib.com.sg) or contact us (6742 6766) immediately even if it is just a potential claim. Insurers take late reporting (not more than 3 calendar days) very seriously. Insurers will reject your claim for late reporting.
No. The policy will only provide coverage for medical expenses incurred and it is subjected to the policy terms and conditions.
No. In general, the policy will only respond if the foreign worker is admitted to the hospital or undergoing day surgery.
Most FWMI policies in Singapore do not provide coverage for such circumstances. Policies are placed to only provide coverage for foreign employees who are holding a valid work permits. Kindly take note that IPA is not a valid work permit. In the case of Covid-19 related diagnosis, only FWMI endorsed with Covid-19 (with the 14 Stay Home Notice extension coverage) will respond.
Insurer will reimburse the medical expenses to the policy holder i.e. the company if the company is the named Insured.
No. Please email (claims@tib.com.sg) or contact us (6742 6766) immediately even if it is just a potential claim. Insurers take late reporting (not more than 3 calendar days) very seriously. Insurers will reject your claim for late reporting.
Insurer will reimburse the medical expenses to the policy holder i.e. the company.
WICA policy provides coverage to the following benefits for work related injury and illness:
- Medical Wages during medical leave
- Medical Expenses
- Lump Sum i.e., Permanent Incapacity (PI)
All the above benefits are subject to the respective WICA and Policy limits.
It covers any local or foreign workers who is under a contract of service, regardless of salary, age or nationality except for independent contractors, domestic workers and uniform personnel (SAF, SPF, SCDF, CNB and SPS).
You must lodge an IReport for any work-related injury/ illness/ death when a worker is issued with Medical Certificate (even though it is only half a day). The report must be lodged within 10 calendar days from the date of accident (particularly for death case).
For circumstances, which you are unsure if it is work-related or otherwise, it is also strongly suggested that you proceed to lodge an iReport. This is to protect the company in the event that the Injured worker file a complaint with MOM against the Employers.
Yes. You are still required to pay the worker based on the WIC Act and the following are the limits:-
For hospitalisation leave
Days | Employee gets | Employer pays |
Up to 60 days | Full AME | Full AME |
61st day to 1 year of accident | 2/3 AME | 2/3 AME |
For outpatient MC or light duties
Days | Employee gets | Employer pays |
Up to 14 days | Full AME For light duties: Full AME or actual wages, whichever is higher | For MC: Full AME For light duties: Employee’s actual wages + any shortfall Shortfall = AME − actual wages for that period |
15th day to 1 year of accident | 2/3 AME For light duties: 2/3 AME or actual wages, whichever is higher | For MC: 2/3 AME For light duties: Employee’s actual wages + any shortfall Shortfall = 2/3 AME − actual wages for that period |
*AME = Average Monthly Earnings
We strongly suggest all our clients to file a claim under your own Insurance “Own Damage Claim”. Most vehicular accidents are not due to the sole negligence of a single party and thus, you may not be able to get back full compensation from the third-party driver’s Insurers. Moreover, there remains the possibility that the third-party driver could have breached conditions of his own motor policy, resulting in the policy not responding to your claim. And you will have to directly seek compensation from the third-party driver who usually may not have financial means to compensate you.
It is always costly, timely and not easily resolved when claiming against a third party. When the claim is unsuccessful, it will be too late for you to revert to own Damage claim.
It is always recommended not to move the damaged machine/ excavator/ vehicle after an accident to allow the adjuster/ surveyor to assess the damage first. However, we understand that there are times that this is not possible as the damaged machines/ excavator/ vehicle is obstructing the public road or work site or due to orders from authority/ principal.
Hence, on a case-to-case basis, the Insured must take all necessary precaution and do your best to avoid causing further damage to the machine/ excavator/ vehicle during the “moving”. In addition, to take a lot of photographs showing all angles of the accident scenes and damaged items/parts before moving it.
GIA report must be lodged at the authorized workshop within 24 hours of the accident.
There are 3 types of reporting/actions to be done respectively: –
- Reporting only – Refers to reporting to your own motor Insurers in the event there is no damage or minor damage on your own vehicle. It is to safeguard your own interest in case of any third-party claims made against you. Subsequently, your Insurers will have to be notified and they will handle the third-party accordingly. Please take note that it is frequent that third-party driver may inform you s/he has no intention to file a claim but changed his/her mind after being persuaded by workshop or family or friends.
- Own Damage (OD) – Refers to claims for your OWN VEHICLE damages. The workshop will liaise with your Insurers directly on the repair as well as the settlement of the claim
- Third-Party Claim – Refers to claims against any third-party. This claim is usually handled by the workshops. Kindly note that your own Insurers/Brokers would not be in a position to assist you much on third-party claims as it is not your own motor policy and it involves legal matters.
Please note that the above options can be amended through the amendment form at the workshop only within 14 calendar days from the date of accident (DOA). Any amendment and change of mind will not be entertained by your Insurers after 14 calendar days.
Do not respond to the third party and forward the email/letter to us immediately. However, if a response must be given, you may inform the third party that the claim has been submitted to your Insurer and you are not in a position to discuss this matter any further with third party without Insurer’s consent. And you shall advise them that your Insurers will liaise with them.
In addition, please refrain from discussing or admitting any liability with the third party as it may prejudice Insurer’s position and resulting in your claims being repudiated by Insurers. Kindly note that your Insurer or their representative will liaise with the third party accordingly.
