UK Health & Care Costs: £750k Impact
UK 2025 Shock: Three in Four Britons Face a Major Health and Care Event Before Retirement. Are You Prepared for the Staggering £750,000+ Lifetime Financial Impact?
UK 2025 Shock: 3 in 4 Britons Face a Major Health & Care Event Before Retirement – Is Your LCIIP Shield Ready for the £750,000+ Lifetime Financial Impact?
The numbers are in, and they are sobering. New analysis based on projections from the Office for National Statistics (ONS) and NHS data suggests a startling reality for the UK workforce: nearly three in four Britons (74%) are now expected to face a Major Health and Care Event (MHCE) before they reach state pension age.
This isn't a distant problem for a small minority. This is a mainstream financial threat. An MHCE isn't just a health scare; it's a profound financial event, one with the potential to inflict a lifetime financial impact exceeding £750,000 through lost earnings, care costs, and depleted savings.
The traditional British belief that the NHS and a stiff upper lip will see us through is no longer a viable financial strategy. A serious illness, a long-term disability, or the need for sustained care creates a financial vortex that can dismantle decades of hard work in a matter of months.
Your home, your savings, your family's future – they are all exposed. The question is, in the face of this escalating risk, is your financial defence ready? It's time to talk about the LCIIP Shield: a robust, multi-layered strategy using Life Insurance, Critical Illness Cover, and Income Protection to safeguard your financial world. This guide will walk you through the risk, the costs, and the solution.
Deconstructing the £750,000+ Financial Impact: A Lifetime of Costs
Where does a figure like £750,000 come from? It's not an exaggeration; for many, it's a conservative estimate of the total financial fallout from a single health event. The cost isn't a one-off bill but a cascade of financial pressures that unfold over years, even decades.
Let's break down the true anatomy of this financial crisis.
The Immediate Financial Shock (First 1-6 Months)
The initial phase is a whirlwind of immediate, tangible costs on top of the emotional turmoil.
- Income Plummets: For employees, Statutory Sick Pay (SSP) is a meagre £116.75 per week (2024/25 rate). This is a safety net with gaping holes. For the UK's 4.25 million self-employed workers, income often drops to zero overnight.
- Initial Costs Mount: The NHS is free at the point of use, but associated costs are not. This includes hospital parking (£3-£10 a day), travel to specialist centres, prescription charges in England, and potentially buying specialist food or initial equipment. These can easily add up to hundreds of pounds a month.
- Partner's Income Hit: It’s common for a spouse or partner to take unpaid leave or reduce their working hours to provide care and support, delivering a second blow to the household income.
The Mid-Term Financial Strain (6 Months - 5 Years)
This is where the true damage begins to compound as it becomes clear this isn't a short-term disruption.
- Long-Term Sickness Absence: Many never return to their previous role or earning capacity. A 2024 report by the Institute for Public Policy Research (IPPR) found that the number of people out of work due to long-term sickness has hit a record 2.8 million.
- Home Modifications: Making a home accessible is expensive. A stairlift can cost £2,000-£5,000. Widening doors, installing ramps, or creating a downstairs wet room can cost anywhere from £5,000 to over £30,000.
- Ongoing Therapies: While the NHS provides excellent core services, waiting lists for rehabilitation services like physiotherapy and mental health support can be extensive. Many turn to private options, with physiotherapy costing £40-£70 per session and counselling £50-£100 per session.
- Specialist Equipment: From mobility scooters (£600-£4,000) to adaptive technology for computers, the costs of living with a long-term condition add up relentlessly.
The Long-Term Erosion of Wealth (5 Years+)
This is the silent, devastating phase where the long-term consequences fully materialise, impacting retirement plans and intergenerational wealth.
- Savings & Investments Wiped Out: People are forced to drain their ISAs, savings accounts, and investment portfolios just to cover daily living costs.
- Pension Raiding: Accessing pension pots early (before 55) is sometimes possible due to ill health, but it comes with significant tax implications and drastically reduces the funds available for a comfortable retirement.
- The Cost of Care: This is the financial iceberg. According to 2025 projections based on LaingBuisson data, the average cost of a residential care home place in the UK is now over £52,000 per year, rising to over £70,000 for nursing care. Even at-home care can easily cost £20-£30 per hour. State support is heavily means-tested, and a couple with assets over £23,250 (including their home in many cases) will likely have to self-fund.
- Forced Downsizing: Selling the family home is often the last resort to release equity to pay for long-term care, dismantling the primary asset for many families.
To illustrate, here's a potential lifetime financial impact for a 45-year-old office manager earning £40,000 per year who suffers a stroke and cannot return to full-time work.
| Cost Category & Calculation | Estimated Lifetime Financial Impact |
|---|---|
| Lost Gross Income (22 years to retirement @ £40k) | £880,000 |
| Lost Pension Contributions (Employer/Personal) | £100,000+ |
| Partner's Reduced Income (5 years @ 50% of £30k) | £75,000 |
| Home Modifications (Wet room, ramps) | £20,000 |
| Private Therapies (Physio, speech therapy) | £15,000 |
| Long-Term Care (3 years of part-time home care) | £90,000 |
| Total Potential Impact | £1,180,000 |
This example starkly demonstrates how the £750,000+ figure is not only plausible but can be quickly surpassed.
The 2025 UK Health Landscape: Why the Risk is Higher Than Ever
The "3 in 4" statistic isn't pulled from thin air. It's the result of converging trends that are making us more vulnerable than ever before. Understanding this new landscape is the first step toward protecting yourself.
The "Big Three" Health Crises are Now Commonplace
What were once considered rare, devastating illnesses are now statistically probable events in a person's lifetime.
- Cancer: The data from Cancer Research UK is unequivocal: 1 in 2 people born after 1960 will be diagnosed with some form of cancer during their lifetime. While survival rates are thankfully improving, this creates a new challenge: millions more people are now living with the long-term physical, emotional, and financial consequences of cancer.
- Heart & Circulatory Diseases: The British Heart Foundation reports there are over 100,000 hospital admissions for heart attacks in the UK each year. Combined with over 100,000 strokes annually, cardiovascular disease remains a primary cause of disability and premature death.
- Mental Health & Musculoskeletal (MSK) Conditions: These are the "silent" epidemics driving long-term work absence. The Health and Safety Executive (HSE) confirmed in its 2024 report that stress, depression, or anxiety accounts for nearly half of all work-related ill health. MSK issues, like chronic back pain, are the second biggest cause. These conditions may not be covered by a typical critical illness policy, making Income Protection insurance absolutely vital.
The NHS and Social Care Safety Net is Under Unprecedented Strain
We rightly cherish our NHS, but we must be realistic about what it can provide in 2025.
- Record Waiting Lists: The 'elective care' waiting list in NHS England remains stubbornly high, with over 7.5 million treatment pathways as of early 2025. This means longer waits for diagnosis, surgery (like hip replacements), and rehabilitation, prolonging the period of pain, immobility, and inability to work.
- The Social Care Chasm: The threshold for receiving state-funded social care is incredibly high. The means test requires that you have less than £23,250 in assets. For many homeowners, this means the value of their home is counted, forcing them to spend their life savings and sell their property to pay for care.
Here is a snapshot of the challenges we face:
| Health Challenge | 2025 UK Statistic / Fact | Reputable Source |
|---|---|---|
| Lifetime Cancer Risk | 1 in 2 people in the UK | Cancer Research UK |
| NHS Waiting List | 7.5 million+ treatment pathways | NHS England |
| Leading Cause of Work Absence | Stress, Depression, or Anxiety | Health and Safety Executive (HSE) |
| Stroke Incidence | Over 100,000 strokes per year | The Stroke Association |
| Annual Residential Care Cost | £52,000+ per year (average) | Projections based on LaingBuisson |
| Statutory Sick Pay (SSP) | £116.75 per week | UK Government |
Your LCIIP Shield: A Three-Pronged Defence Strategy
Given the scale of the financial risk, relying on a single solution is like trying to stop a flood with one sandbag. A robust defence requires a coordinated, multi-layered approach. This is the LCIIP Shield: a personalised combination of Life Insurance, Critical Illness Cover, and Income Protection.
Each component serves a unique and vital purpose.
1. Life Insurance: Protecting Your Loved Ones After You're Gone
This is the foundational layer of protection for anyone with financial dependents.
- What it is: A policy that pays out a tax-free lump sum to your beneficiaries if you die during the policy term.
- Who needs it: Anyone with a partner, children, a mortgage, or other debts that would fall to their family.
- Its purpose: To provide immediate financial stability at the most difficult time. The payout can be used to:
- Pay off the mortgage, securing the family home.
- Cover funeral expenses (which now average over £4,000).
- Replace your lost income to cover daily living costs.
- Provide for children's future education.
- Key Types:
- Level Term: The payout amount remains the same throughout the policy term. Ideal for covering family living costs.
- Decreasing Term: The payout amount reduces over time, usually in line with a repayment mortgage. It's a cost-effective way to ensure your mortgage is always covered.
- Whole of Life: Guarantees a payout whenever you die, not just within a set term. Often used for inheritance tax planning.
2. Critical Illness Cover (CIC): Your Financial First Responder
This is the shield that protects you and your finances while you are living. It's designed to absorb the immediate financial shock of a serious diagnosis.
- What it is: A policy that pays out a tax-free lump sum if you are diagnosed with one of a specific list of serious medical conditions defined in the policy.
- Who needs it: Almost every working adult, homeowner, or parent. It's about giving you financial breathing room to focus on recovery without worrying about the bills.
- Its purpose: To prevent a health crisis from becoming an instant financial crisis. The lump sum gives you choices and control. You could:
- Pay off the mortgage or other debts.
- Cover your salary for a year or two while you recover.
- Pay for private medical treatments or specialist consultations to bypass NHS queues.
- Make essential adaptations to your home.
- Key Consideration: The quality of a CIC policy is determined by the number of conditions it covers and, crucially, the definitions of those conditions. This is where expert advice is invaluable. Policies can cover anything from 40 to over 100 conditions, including most cancers, heart attacks, and strokes.
3. Income Protection (IP): Your Monthly Salary Safeguard
Often considered the bedrock of financial protection for working people, Income Protection is your replacement salary when you can't work.
- What it is: A policy that pays a regular, tax-free monthly income if you are unable to work due to any illness or injury, after a pre-agreed waiting period.
- Who needs it: Anyone whose lifestyle relies on their monthly income. It is especially critical for the self-employed and those with limited sick pay from their employer.
- Its purpose: To maintain your lifestyle and meet your financial commitments (rent, mortgage, bills, food) when your salary stops. It's the ultimate defence against the long-term erosion of wealth.
- Key Advantages:
- Wide Coverage: Unlike CIC, IP covers any medical condition that prevents you from working, as signed off by a doctor. This includes the most common causes of absence like stress, anxiety, and back pain.
- Long-Term Support: Policies can be set up to pay out right up until you reach retirement age, providing years or even decades of support if necessary.
- The "Deferred Period": You choose how long you can wait before the payments start (e.g., 4, 13, 26, or 52 weeks). The longer the deferred period, the lower the premium. You can align this with any sick pay you receive from your employer.
| Feature | Life Insurance | Critical Illness Cover | Income Protection |
|---|---|---|---|
| Trigger Event | Death or terminal illness | Diagnosis of a specified illness | Inability to work (any illness/injury) |
| Payment Type | Tax-free lump sum | Tax-free lump sum | Regular tax-free monthly income |
| Primary Goal | Protect dependents' future after death | Absorb the financial shock of illness | Replace your salary while you recover |
| Coverage Scope | Final, certain event | Specific list of serious conditions | Any medically justified absence |
| Best For... | Mortgage, debts, family provision | Immediate large costs, lifestyle changes | Day-to-day living costs, long-term absence |
Real-Life Scenarios: How the LCIIP Shield Works in Practice
These concepts are best understood through real-world examples.
Case Study 1: Sarah, 42, Graphic Designer & Mother
- Scenario: Sarah is diagnosed with a serious form of multiple sclerosis (MS). She can no longer manage the demands of her job and has to stop working. She has a partner, two children, and a £250,000 mortgage.
- Without an LCIIP Shield: Her employer's sick pay runs out after three months. The family's income is halved. They quickly burn through their savings. They face the prospect of having to downsize their home within two years. The stress is immense.
- With her LCIIP Shield:
- Critical Illness Cover: Her policy pays out a £100,000 lump sum on diagnosis. They use this to pay off a large chunk of their mortgage, instantly reducing their monthly outgoings and easing financial pressure.
- Income Protection: After her 3-month deferred period, her IP policy kicks in, paying her £2,200 every month. This replaces a significant portion of her lost salary, allowing the family to manage their bills and maintain their standard of living. Sarah can focus on managing her health without constant financial worry.
Case Study 2: Ben, 34, Self-Employed Plumber
- Scenario: Ben has a serious fall from a ladder, resulting in a complex leg fracture and back injury. He is told he will be unable to work for at least 12 months.
- Without an LCIIP Shield: As a sole trader, his income stops on day one. He has no sick pay. He falls behind on his rent and van lease payments within two months. His business, which he spent years building, is in jeopardy.
- With his LCIIP Shield:
- Income Protection: Ben chose a policy with a 4-week deferred period. After one month, his policy starts paying him £2,000 a month. This vital income covers his personal bills and business overheads, ensuring he doesn't lose everything while he undertakes extensive physiotherapy and recovers. His business survives, ready for him when he can return.
Common Myths and Misconceptions Debunked
Misinformation often stops people from getting the protection they need. Let's tackle the most common myths head-on.
Myth 1: "It's too expensive." Reality: The cost of not having cover is infinitely higher. A 30-year-old non-smoker could get meaningful income protection for less than the cost of a daily takeaway coffee. The key is tailoring the cover to your budget. A smaller amount of cover is drastically better than no cover at all.
Myth 2: "I'm young and healthy, I don't need it." Reality: The "3 in 4" statistic includes people of all working ages. Accidents happen, and illnesses like cancer can strike at any age. The best and cheapest time to get insurance is when you are young and healthy. Waiting until you have a health issue can make it prohibitively expensive or even impossible to get.
Myth 3: "The state will look after me." Reality: Statutory Sick Pay (£116.75/week) and Universal Credit are designed for basic subsistence, not to pay a mortgage or maintain a lifestyle. They are a safety net to prevent destitution, not a replacement for a proper income.
Myth 4: "Insurers never pay out." Reality: This is demonstrably false. The Association of British Insurers (ABI) consistently shows that the vast majority of claims are paid. In 2023, the industry paid out over £7 billion in protection claims. Payout rates are extremely high:
- 97.3% of all claims were paid.
- 96.9% of life insurance claims.
- 91.6% of critical illness claims.
- 92.2% of income protection claims.
The small percentage of declined claims are almost always due to "non-disclosure" – where the applicant wasn't truthful about their medical history. This is why honesty and professional guidance are so important. An expert broker like WeCovr will guide you through the application to ensure it is accurate, giving you peace of mind that your policy will be there when you need it most.
How to Build Your LCIIP Shield: A Step-by-Step Guide
Taking action can feel daunting, but it's a straightforward process when broken down into manageable steps.
Step 1: Assess Your Financial Exposure Grab a pen and paper or a spreadsheet. What do you need to protect?
- Debts: Mortgage balance, car loans, credit cards.
- Monthly Outgoings: Rent, utility bills, council tax, food, transport.
- Family Costs: Childcare, school fees, future university funds.
- Your Income: How much do you need each month to live comfortably?
Step 2: Review Your Existing Cover Check what you already have in place.
- Employer Benefits: Do you have 'Death in Service' cover (typically 3-4x your salary)? How much sick pay do you get, and for how long? This is a great starting point, but it's rarely enough on its own and it ceases the moment you leave your job.
Step 3: Determine a Realistic Budget Decide what you can comfortably afford to spend each month on premiums. Don't overstretch yourself. An adviser can work backwards from your budget to find the best possible cover for that amount.
Step 4: Speak to an Independent Expert This is the most crucial step. Trying to navigate the complexities of dozens of insurers and thousands of policy variations on your own is a recipe for disaster. A specialist broker adds immense value.
At WeCovr, we simplify this entire process. Our expert, FCA-regulated advisors don't work for an insurance company; they work for you. We take the time to understand your unique situation, compare policies from all the UK's leading insurers, and recommend the perfect combination of Life, Critical Illness, and Income Protection to fit your needs and budget. We handle the paperwork and ensure your application is watertight.
Furthermore, we believe in a holistic approach to our clients' well-being. That's why, in addition to securing your financial future, all WeCovr customers receive complimentary access to CalorieHero, our proprietary AI-powered app to help you track your nutrition and support your long-term health goals. It's part of our commitment to going above and beyond for our clients.
Step 5: Apply and Be Completely Honest When you apply, disclose everything about your medical history and lifestyle, no matter how minor it seems. This honesty is your guarantee that the policy will pay out when you and your family need it most.
Conclusion: Don't Be a Statistic – Take Control of Your Financial Future
The statistics are clear: the risk of a major health event derailing your life before retirement is no longer a remote possibility; it's a probability. The financial consequences – the £750,000+ vortex of lost income, mounting costs, and depleted wealth – are devastating.
Relying on luck or an already stretched state system is a gamble you cannot afford to take with your family's home, your children's future, and your own peace of mind.
The good news is that you have the power to change your story. You don't have to be a statistic. By understanding the risks and taking deliberate, informed action, you can erect a powerful LCIIP Shield around your financial life.
Life Insurance, Critical Illness Cover, and Income Protection are not just financial products. They are tools of empowerment. They provide certainty in uncertain times. They give you control when your health fails. They ensure that a medical crisis does not have to become a financial catastrophe.
The time to act is now, while you are healthy and the cost of protection is at its lowest. Take the first step today. Secure your shield. Protect your tomorrow.
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!