Transform WICA claim process with Insurance Workflow Automation Software

Insurance Claim Process Automation

The Work Injury Compensation Act (WICA) enables employees in Singapore to claim compensation for work-related injuries or diseases without filing a civil suit under common law, a faster and more affordable route. However, while the goal is quick and fair compensation, insurers often face significant administrative hurdles that slow resolution. 

InFlow by Insillion addresses these challenges through intelligent automation, a centralized, fully integrated Insurance Workflow Automation Software. This software streamlines the entire WICA claims process from injury reporting to compliance submission, ensuring faster turnaround, accuracy, and transparency. 

Challenges and How Insillion Helps

Manual Data Entry

Claims teams spend hours manually entering data from iReport PDFs, reformatting them, and re-keying information into internal systems for a repetitive that could potentially delay claim processing. 

How Insillion Helps: Intelligent Document Processing

When the Ministry of Manpower (MOM) sends a new claim notification email, Inflow uses Intelligent Document Processing to automatically reads and extract claimant details, policy number, and iReport ID directly from MOM files and emails, eliminating manual data-entry and human error.  A digital claim ID is instantly created, and an automated acknowledgment email is sent to the employer’s SPOC. 

This ensures timely claim processing, allowing teams to focus on case assessment rather than manual data entry.   

Creating NOC/UCS Files from Scratch

Insurers often spend hours manually preparing Notice of Claim (NOC) and UCS Excel files in MOM’s required format for each case. This repetitive process not only increases administrative workload but also causes delays and makes it difficult to maintain consistent formatting. 

How Insillion Helps: Automated Document Generation

With Insurance Workflow Automation Software, the entire documentation generation is fully automated. 

If a claim is not covered under the policy, InFlow automatically: 

1. Generates the NOC in the MOM-approved format 
2. Populates the UCS Excel sheet with all mandatory data fields 
3. Emails both files directly to the Ministry, ensuring compliance without manual intervention 

For approved claims, InFlow: 

1. Routes the case to the assigned claim handler for efficient assessment 
2. Pre-fills digital forms with verified claim data. 
3. Auto-generates NOC and UCS documents upon completion, maintaining MOM-approved templates and ensuring complete traceability 

This end-to-end automation ensures zero compliance errors, faster turnaround times, and a fully audit-ready process for insurers. 

Delays in Case Assessment Completion

Insurers must adhere to strict turnaround times set by the Ministry of Manpower (MOM). Manual tracking of deadlines, missing alerts, and lack of visibility may result in delayed submissions and penalties. 

How Insillion Helps: Custom TATs and KPI Tracking

To help insurers manage these strict turnaround times set by the ministry, Inflow's Performance Monitoring Dashboard gives insurers complete visibility of case status, processing time, and upcoming deadlines, helping avoid penalties and missed submissions. AI in insurance claims automatically flags urgent claims approaching MOM deadlines and applies priority labels for immediate attention. 

Teams can monitor real-time KPIs, SLA compliance, and workload distribution, ensuring faster resolution through proactive alerts and live dashboards. 

Intimation Process

Claim intimation under WICA involves multiple stakeholders: employers, insurers, and the Ministry of Manpower (MOM). Manually verifying policy details and accident coverage is time-consuming, prone to human error, and can lead to rejected claims or delayed communication. 

How Insillion Helps: Seamless Integration and Validation

Insurance Workflow Automation Software integrates directly with existing insurer systems and policy databases, drastically reducing manual verification. When a claim notification arrives, FNOL software automatically validates: 

1. Whether the policy exists 
2. Whether it’s active and covers work-related injuries 
3. Whether the accident date falls within the policy period 

If details don’t match, AI-powered insurance claims processing automatically sends a non-coverage email requesting clarification. Once validated, it routes the case to the right handler for quick assessment, no manual intervention required. 

All stakeholders receive real-time updates, acknowledgments, and document notifications, ensuring speedy, accurate, and transparent communication with employers and claimants, ultimately enhancing the overall customer experience. 

Conclusion

While WICA provides a clear legal framework, the efficiency of its execution rests on the operational processes of insurers and employers.  

By embracing Insurance Workflow Automation Software like Insillion, insurers can transform their WICA claims handling and can stay compliant with the rules regulated by MOM, achieving greater speed, accuracy, and efficiency while delivering on the core promise of the Act: timely and fair compensation. 

Frequently Asked Questions