即将变化预计自 2027起
The Workplace Fairness Act 2025, which will bar discrimination including on disability and mental health conditions, has passed but is not yet in force; MOM targets commencement around end-2027.
保险与工伤赔偿 · 新加坡
睡眠与疲劳：保险与工伤赔偿
Office-based work; fatigue risk comes from long hours and catastrophe-response surge rosters. The direct safety consequence is low; the cost is errors, productivity and wellbeing.
本页涵盖范围
- Claims assessing and loss adjusting
- General and life insurers
- Health insurers
- Workers' compensation schemes and agents
法规动态
已有哪些变化，又将迎来什么
影响您在保险与工伤赔偿领域管理疲劳的法规变化：过去 12 个月内发生了哪些变化，以及即将出台哪些变化。
本页的法规与研究详情以英文显示。
法规变化核查截至 2026年10月1日。
法规
由谁监管，有何要求
本页的法规与研究详情以英文显示。
Insurance has no sector fatigue or hours rule. Underwriters, actuaries and claims managers mostly earn above the Employment Act salary thresholds, so no statutory hours cap applies to them; claims-processing and contact-centre staff within the thresholds keep the caps. The baseline safety duty and fair-employment guidelines apply to everyone.
MOM
标志仅用于识别监管机构，并不代表其认可。
监管机构
The Monetary Authority of Singapore (MAS) regulates insurers for soundness and fair dealing with customers; it does not regulate staff hours or fatigue. MOM and the baseline law cover insurers' workforces.
您的义务
Baseline only: the safety duty; Employment Act hours caps for staff within the salary thresholds, relevant to claims and contact-centre shifts; compulsory work injury insurance for manual and lower-paid staff; and the Tripartite Guidelines on Flexible Work Arrangement Requests (from 1 December 2024). MAS rules address customer treatment and soundness, not staff fatigue.
后果
No insurance-specific penalty applies to staff fatigue. Baseline WSH Act penalties - up to S$500,000 for a company and S$200,000 and/or two years' jail for an individual (WSH Act maxima, 2026) - and Employment Act hours penalties of up to S$5,000 per offence apply. MAS enforcement concerns conduct and soundness, not staff hours.
处罚
Baseline figures apply, including Employment Act penalties of up to S$5,000 per hours offence and S$10,000 and/or 12 months' jail on repeat (2026). The practical costs are processing errors and attrition in high-volume claims teams.
记录在案
No Singapore court, coroner, investigator or regulator has published a finding linking fatigue to an incident in insurance. Fatigue risk still falls under the Workplace Safety and Health Act duty and MOM's fatigue management guidelines.
来源: Monetary Authority of Singapore; Workplace Safety and Health Act 2006; Employment Act 1968, Part IV; Work Injury Compensation Act 2019; Tripartite Guidelines on Flexible Work Arrangement Requests (2024).
疲劳关键岗位
保险与工伤赔偿领域中疲劳影响最大的岗位
疲劳员工最有可能造成严重伤害的岗位、带来风险的任务，以及疲劳在这些岗位中累积的原因。
本页的法规与研究详情以英文显示。
| 岗位 | 风险 | 高风险任务 | 疲劳累积原因 |
|---|---|---|---|
Loss adjuster / motor surveyor规定
| 高风险 | Driving long distances into disaster zones, roof and structural inspections of damaged buildings, entering flood- and fire-damaged sites; late report writing | Catastrophe deployments of 2-6 weeks, 12-14 h days 7 days a week, long drives, hotel sleep away from home |
Risk engineer / risk surveyor (regional travel)规定
| 较高风险 | Site surveys at mines, plants and construction sites (work at height, live process areas), long regional drives and flights between surveys | Multi-site travel weeks, early flights and long drives, irregular hours; day work |
IT operations engineer / production support (on-call)规定
| 较高风险 | Overnight batch, core policy and claims-platform incidents, change windows and cyber alerts where an error causes major outage or data loss | Weekly on-call rotations with night pages, weekend change windows 22:00-04:00, then normal day work |
Medical assistance coordinator (regional assistance hub)规定
| 较高风险 | Overnight coordination of medical evacuations and hospital guarantees for travellers abroad, relaying clinical information and time-critical approvals | 24/7 rotating shifts across time zones, night shifts, high-stress calls |
本套产品如何契合
每款产品与您的义务有何关联
评级说明产品与某项义务的关联程度。任何产品都不能替您履行义务，也不附带合规保证。
本页的法规与研究详情以英文显示。
Sleepfit
支持您的一般注意义务Sleepfit screens sleep health across your staff, supporting the risk assessment reg 3 of the WSH (Risk Management) Regulations requires you to conduct. No Singapore rule names a sleep screen. It screens; diagnosis stays with your clinicians.
了解 SleepfitAwareness eLearning
支持您的一般注意义务Awareness eLearning gives your staff recorded fatigue education, supporting your general duty under s 12(3)(e) of the WSH Act to provide adequate instruction, information and training. MOM's fatigue guidelines recommend it; no rule names it.
了解 Awareness eLearningWas It Fatigue?
支持您的一般注意义务Was It Fatigue? structures a fatigue review after an incident, supporting the risk assessment review reg 7 of the Risk Management Regulations requires after an injury. Reporting rules name no cause. A structured judgement aid, not a determination of cause.
了解 Was It Fatigue?SleepWellBaby
SleepWellBaby supports parents among your staff through the most broken months of infant sleep. No Singapore rule reaches sleep in new-parent households; it is offered as a benefit.
了解 SleepWellBabyFatiguefit4Duty
Fatiguefit4Duty is built for safety-sensitive roles at the point of duty. Insurance office roles are generally not safety-sensitive and no Singapore rule requires a fitness-for-duty check, so nothing is engaged.
了解 Fatiguefit4Duty推荐组合
在保险与工伤赔偿领域，我们会从这里入手
每个组合方案均按流行率定价：您的整个群体都可获得使用权限，您只需为预计需要各项产品的人员比例付费。 定价方式.
Wellbeing Bundle
面向全体员工的睡眠健康，以及睡眠与疲劳教育。
Family Bundle
睡眠健康，外加新手父母支持。
为何在新加坡选择这一组合
Your insurance teams hold no safety-sensitive roles, so your duty is WSH Act 2006 s 12 and a reg 3 risk assessment. Sleepfit screens; Awareness eLearning supplies content with a completion record; SleepWellBaby is an employee benefit. Family is the lighter option.
看看睡眠与疲劳对您的保险与工伤赔偿员工队伍意味着什么。
告诉我们您大约有多少员工。您的概览会根据保险与工伤赔偿领域已发表的研究，估算可能睡眠不佳的人数及其代价。然后选择要覆盖的人群，我们会带您进入合适的下一步。
