UK Medication Burden 2025: Costs & Protection
Shocking UK Forecast: Half of Britons to Rely on Long-Term Medication by 2025, Fueling a £1 Million+ Lifetime Burden of Hidden Costs. Is Your LCIIP Shield Protecting Your Finances & Future Wellbeing?
UK 2025 Shock: 1 in 2 Britons Will Rely on Long-Term Medication, Fueling a £1 Million+ Lifetime Burden of Hidden Costs & Health Management – Is Your LCIIP Shield Protecting Your Finances & Future Wellbeing?
A quiet but seismic shift is reshaping the health and financial landscape of the United Kingdom. Projections based on recent NHS and ONS data indicate that by 2025, a staggering one in two Britons will be reliant on long-term medication to manage a chronic health condition. This isn't a distant forecast; it's the imminent reality for millions of families across the country.
While our beloved NHS stands ready to treat us, it was never designed to pay our mortgages, cover our bills, or replace our lost income. The reliance on long-term medication is the symptom of a much larger issue: the rise of chronic conditions that can silently erode not just our health, but our entire financial stability.
This new reality carries a hidden price tag, a lifetime burden of costs and lost earnings that can easily exceed £1 million for an individual diagnosed with a serious long-term condition in their prime working years. It's a combination of direct expenses, lifestyle adjustments, and, most significantly, a compromised ability to earn.
In this definitive guide, we will unpack this unfolding crisis. We’ll explore the real-world financial impact of long-term illness, debunk the myths about what state support can truly provide, and reveal how a robust shield of Life Insurance, Critical Illness Cover, and Income Protection (LCIIP) is no longer a 'nice-to-have', but an essential component of modern financial planning. Are your finances prepared for the health challenges of tomorrow? Let's find out.
The Ticking Time Bomb: Unpacking the UK's Long-Term Medication Crisis
The "1 in 2" statistic is more than just a headline; it's the culmination of several powerful demographic and public health trends. We are living longer, which is a triumph of modern medicine. However, we are often living longer with illness.
These aren't just ailments of old age; they are increasingly affecting people in their 30s, 40s, and 50s.
Key Drivers of the Shift:
- An Ageing Population: ONS projections show that by mid-2025, nearly 20% of the UK population will be aged 65 or over. Older individuals are more likely to have multiple long-term conditions (multimorbidity).
- Rise of Lifestyle-Related Conditions: Conditions like Type 2 diabetes, certain cardiovascular diseases, and high blood pressure are becoming more prevalent at younger ages, driven by factors such as diet, stress, and sedentary lifestyles. NHS Digital reported over 1.3 billion prescription items were dispensed in England in 2023-24, with drugs for diabetes and cardiovascular health among the most common.
- Improved Diagnosis and Awareness: We are getting better at identifying and treating conditions that were once overlooked, particularly in mental health. While this is positive, it means more people are officially diagnosed and require ongoing management, including medication. An estimated 1 in 4 adults now experience a diagnosable mental health condition each year.
The Most Common Long-Term Conditions Fuelling the Trend
The spectrum of chronic illness is broad, but a few key conditions are leading the charge. These illnesses often require a lifetime of management, medication, and potential lifestyle adjustments.
| Condition | Estimated UK Prevalence (2025 Projection) | Key Management Needs |
|---|---|---|
| High Blood Pressure | Over 15 million adults | Daily medication, regular monitoring |
| Mental Health Conditions | 1 in 4 adults annually | Therapy, medication, lifestyle support |
| High Cholesterol | Up to 60% of adults | Statins, diet and lifestyle changes |
| Arthritis | Over 10 million people | Pain relief, physiotherapy, mobility aids |
| Type 2 Diabetes | Over 5 million people | Medication, blood sugar monitoring, diet |
| Asthma | 5.4 million people | Inhalers, regular check-ups |
This data paints a clear picture: managing a long-term health condition is becoming the new normal. But what is the true cost of this new normal, far beyond the pharmacy counter?
Beyond the Prescription: The £1 Million+ Lifetime Financial Burden Unveiled
The term "£1 million+ burden" may sound hyperbolic, but when you dissect the true financial impact of a serious long-term illness over a lifetime, the figure becomes terrifyingly plausible. It's a cocktail of direct costs, indirect expenses, and the colossal impact of lost income.
Let's break down how these costs accumulate, using the example of a 45-year-old office worker diagnosed with a progressive condition like Multiple Sclerosis (MS) or severe Rheumatoid Arthritis.
1. The Catastrophic Loss of Income (The Largest Contributor)
This is the financial iceberg. The visible part is the illness; the vast, unseen part is its impact on your ability to earn.
- Reduced Hours: Initially, you might need to drop to a 4-day or 3-day week to cope with fatigue or attend appointments. A salary of £50,000 dropping to £30,000 represents a loss of £20,000 per year. Over 20 years until retirement, that’s £400,000 in lost earnings, without even accounting for inflation or promotions.
- Career Stagnation: You miss out on the promotion you were working towards. The pay rise that would have added £10,000 a year never materialises. Over 15 years, that's another £150,000 of lost potential.
- Stopping Work Entirely: For many, the illness progresses to a point where work is no longer possible. If this happens at 50, you could lose 17 years of income. At a £50,000 salary, that’s a staggering £850,000 in lost gross income.
- Impact on a Partner's Career: Often, a spouse or partner must also reduce their hours or leave their job to become a full-time carer. This can easily add another £200,000-£400,000 in lost household income over a decade.
2. Direct Healthcare & Management Costs
While the NHS is a lifesaver, it doesn't cover everything. These out-of-pocket expenses add up relentlessly.
- Prescription Costs: In England, while many with long-term conditions are exempt, not all are. For those who pay, a Prescription Prepayment Certificate (PPC) costs around £114.50 a year (as of 2025). Over 30 years, that’s nearly £3,500.
- Private Consultations & Therapies: Facing a 9-month NHS wait for specialist physiotherapy or counselling? Many feel forced to go private. A course of physiotherapy can cost £500-£1,000. Regular private counselling can be £2,000-£3,000 per year. Over a lifetime, this could easily reach £20,000-£50,000.
- Specialised Equipment: This can range from a few hundred pounds for ergonomic office equipment to tens of thousands for major items.
- Mobility scooter: £1,000 - £4,000
- Stairlift: £3,000 - £5,000
- Wheelchair-accessible vehicle: £20,000+ premium
- Blood glucose monitoring tech (for diabetics): £100s per year.
- Total potential cost: £30,000+
3. Hidden Lifestyle & Adaptation Costs
These are the insidious costs that creep into your monthly budget.
- Home Adaptations: A walk-in shower or wet room can cost £5,000-£10,000. Widening doorways or installing ramps adds thousands more.
- Higher Utility Bills: People with mobility issues or certain conditions often feel the cold more, leading to significantly higher heating bills – potentially an extra £500 per year. Over 20 years, that’s £10,000.
- Specialised Diets: Gluten-free, low-sugar, or other medically required diets can add £50-£100 per month to the food bill. That’s up to £1,200 a year, or £24,000 over 20 years.
- Increased Travel & Transport: More frequent trips to hospitals, which are often located out of town. This means higher fuel costs, parking fees (£4-£10 per visit), or expensive hospital-accessible taxis. This can easily be £500-£1,000 per year.
Illustrative Lifetime Cost Breakdown for a Serious Chronic Condition
| Cost Category | Estimated Lifetime Cost | Notes |
|---|---|---|
| Lost Personal Income | £500,000 - £850,000 | Based on stopping work 10-17 years before retirement. |
| Lost Partner's Income | £150,000 - £300,000 | Partner reducing hours or stopping work to care. |
| Private Healthcare | £20,000 - £50,000 | Consultations, therapies, and diagnostics. |
| Home & Vehicle Adaptations | £30,000 - £60,000 | Stairlift, wet room, accessible vehicle. |
| Ongoing Lifestyle Costs | £30,000 - £50,000 | Higher bills, specialised diets, transport. |
| Total Estimated Burden | £730,000 - £1,310,000 | A conservative estimate over a 20-25 year period. |
This table makes it starkly clear. The primary financial devastation of long-term illness isn't the cost of pills; it's the obliteration of your income and the cascade of secondary expenses.
The NHS is Free, Isn't It? Busting Common Myths
"But we have the NHS! It's free!" This is a sentiment rooted in national pride, and rightly so. The NHS is a world-class institution that provides incredible care at the point of need, free of charge. However, it's crucial to understand what the NHS does, and more importantly, what it doesn't do.
Myth 1: The NHS covers all treatments.
Reality: The National Institute for Health and Care Excellence (NICE) decides which drugs and treatments are available on the NHS. Sometimes, a breakthrough treatment might be available privately long before it's approved for NHS funding. The NHS also has significant waiting lists for diagnostics, specialist appointments, and non-urgent surgery, which stood at a record 7.5 million in late 2024.
Myth 2: The NHS will support me financially.
Reality: This is the most dangerous misconception. The NHS provides healthcare. It does not and cannot pay your mortgage, your council tax, your utility bills, or your food shopping. If you are too sick to work, the NHS's role ends at the hospital or GP surgery door. Your financial survival is entirely up to you.
Myth 3: The welfare state will catch me.
Reality: While there is a safety net, it is far less robust than many believe.
- Statutory Sick Pay (SSP): This is paid by your employer for up to 28 weeks. The rate for 2025-26 is projected to be around £118 per week. For most families, this is a catastrophic drop in income.
- Employment and Support Allowance (ESA) / Universal Credit: Once SSP ends, you may be eligible for these benefits. The assessment process is notoriously difficult, and the maximum amounts are designed for basic subsistence, not for maintaining your family's standard of living or covering mortgage payments. As of 2025, the standard allowance for a couple on Universal Credit is just over £600 a month.
Think of it this way: the NHS is the world's best mechanic, who will fix your car's engine (your health) for free. But it won't pay your salary for the months you're off the road, cover the cost of taxis (private physio), or pay the finance on your car (your mortgage). For that, you need your own insurance.
Your Financial First Aid Kit: How LCIIP Creates a Protective Shield
If the state and the NHS can't protect your financial wellbeing, what can? The answer lies in a powerful, multi-layered strategy known as LCIIP: Life Insurance, Critical Illness Cover, and Income Protection.
These three policies work together to create a comprehensive financial shield, each protecting you from a different aspect of the financial fallout from illness, injury, or death.
1. Income Protection (IP): The Bedrock of Your Plan
If you could only choose one policy, this would be it. Income Protection is the unsung hero of personal finance.
- What it does: It pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury that your doctor signs you off for. It continues to pay out until you can return to work, the policy term ends (usually at retirement age), or you pass away.
- Why it's crucial: It replaces the single most important financial asset you have: your salary. It covers the day-to-day costs of living – your mortgage/rent, bills, food, and transport. It prevents you from having to rely on meagre state benefits.
- Real-world example: Amelia, a 38-year-old marketing manager, develops chronic fatigue syndrome. After her 6-month deferred period (the time she waits before the policy kicks in), her Income Protection policy starts paying her £2,500 a month. This allows her to focus on recovery without the terror of seeing her savings evaporate or falling behind on her mortgage.
2. Critical Illness Cover (CIC): The Financial Shock Absorber
While IP handles the monthly grind, Critical Illness Cover is designed to deal with the immediate, large-scale financial shock of a serious diagnosis.
- What it does: It pays out a one-off, tax-free lump sum upon the diagnosis of a specific, serious condition listed in the policy. Core conditions always include cancer, heart attack, and stroke, but modern policies can cover over 50 different illnesses.
- Why it's crucial: The lump sum gives you choices and removes major financial burdens at the most stressful time of your life. You could:
- Pay off your mortgage entirely.
- Cover the cost of private treatment or home adaptations.
- Allow a partner to take a year off work to support you.
- Create a financial buffer to replace lost income while you adjust.
- Real-world example: Ben, a 52-year-old electrician, suffers a major heart attack. His £150,000 Critical Illness Cover payout clears his remaining £120,000 mortgage and leaves him with a £30,000 buffer. The psychological relief of being mortgage-free is immense and proves critical to his successful recovery.
3. Life Insurance: The Ultimate Family Protector
Life Insurance addresses the ultimate what-if, ensuring the people who depend on you are looked after financially if you're no longer there.
- What it does: It pays out a lump sum to your chosen beneficiaries upon your death.
- Why it's crucial: It provides for your family's future. The payout can be used to:
- Clear any outstanding debts, including the mortgage.
- Cover funeral expenses.
- Provide a replacement income for your family for years to come.
- Leave an inheritance for your children's future (e.g., university fees, house deposit).
- Real-world example: If Ben's heart attack had sadly been fatal, his £250,000 Life Insurance policy would have ensured his wife and two teenage children could stay in the family home, clear all debts, and have a substantial fund to help them rebuild their lives without immediate financial pressure.
How The Three Policies Work Together
| Policy Type | What It Covers | Main Purpose |
|---|---|---|
| Income Protection | Lost monthly salary due to illness/injury | Covers ongoing, day-to-day living costs. |
| Critical Illness Cover | A specific, serious diagnosed illness | Covers major one-off costs and debt. |
| Life Insurance | Your death | Protects your family's long-term future. |
Navigating the LCIIP Landscape: A Practical Guide for 2025
Securing the right protection can feel complex, but it's one of the most important financial decisions you'll ever make. The key is to get tailored advice.
How much cover do I need?
- Income Protection: Aim to cover 50-70% of your gross monthly income. This is usually the maximum an insurer will offer, and because the payout is tax-free, it equates to a higher proportion of your take-home pay.
- Critical Illness Cover: A common rule of thumb is to have enough to clear your mortgage and other major debts, plus 1-2 years of your annual salary as a buffer.
- Life Insurance: If you have dependents, a simple calculation is 10 times your annual salary. A more precise method involves calculating your mortgage, other debts, and future family living costs.
The Golden Rule: Be Completely Honest
When you apply for insurance, you will be asked detailed questions about your health, lifestyle (including smoking and drinking), and family medical history. It is absolutely vital that you are 100% honest. Failing to disclose a past condition could invalidate your policy, meaning the insurer could refuse to pay out when you need it most.
Navigating this complex market of different insurers, policy definitions, and application processes can be daunting. This is where an expert independent broker like WeCovr becomes invaluable. We don't work for one insurer; we work for you. Our role is to search the entire market, comparing policies from leading providers like Aviva, Legal & General, and Royal London, to find the one that offers the most comprehensive cover for your specific needs and budget. We handle the paperwork and ensure your application is presented in the best possible light.
Beyond the Payout: The Added Value of Modern Protection Policies
Today's insurance policies offer far more than just a cheque. Insurers have recognised that it's in everyone's best interest to help you stay healthy and recover faster. This has led to a revolution in 'value-added services', often available for free from the day your policy starts.
These services can include:
- 24/7 Virtual GP: Access to a GP via phone or video call, anytime, anywhere. Perfect for getting a quick prescription or advice without waiting weeks for a local appointment.
- Second Medical Opinion Services: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Mental Health Support: Access to a set number of counselling or therapy sessions to help you cope with stress, anxiety, or the psychological impact of an illness.
- Physiotherapy and Rehabilitation: Support to help you recover from injury or manage a musculoskeletal condition.
- Proactive Health and Wellbeing Support: Many insurers now offer apps and services to help you live a healthier life.
At WeCovr, we passionately believe in this holistic approach. We see our role as not just finding you the right financial safety net, but also empowering you to live a healthier life. That's why, as part of our commitment to our clients' total wellbeing, we provide complimentary access to our proprietary AI-powered calorie and nutrition tracking app, CalorieHero. It's a practical tool to help you manage your diet and health day-to-day, demonstrating our philosophy of proactive wellness alongside reactive protection.
| Value-Added Service | How It Helps with Long-Term Conditions |
|---|---|
| Virtual GP | Quick access for prescription renewals and minor issues. |
| Mental Health Support | Manages the stress and anxiety of a diagnosis. |
| Physiotherapy | Helps manage pain and mobility for conditions like arthritis. |
| Nutrition Services | Crucial for managing conditions like diabetes or heart disease. |
| Fitness Programmes | Tailored exercise plans to improve overall health. |
Your Action Plan: Securing Your LCIIP Shield Today
The statistics are clear. The financial risks are real. The solution is available. Waiting until illness strikes is too late. The best time to put your financial protection in place is right now, while you are healthy and insurable.
Here is your simple, four-step plan to secure your financial future.
- Assess Your Vulnerability: Take an honest look at your finances. What would happen to you and your family if your salary stopped tomorrow? How long would your savings last? Look at your employer's sick pay policy – is it just SSP, or something more generous?
- Acknowledge the Reality: Accept that the "1 in 2" statistic is not just a number. It's a real and growing risk for every household in the UK. Hope is not a strategy; preparation is.
- Don't Delay: Insurance is always cheapest and easiest to obtain when you are young and healthy. Every year you wait, the premiums are likely to increase, and the risk of developing a condition that makes you uninsurable grows.
- Seek Expert, Independent Advice: This is not a DIY job. The nuances between policies are vast. A single clause or definition can be the difference between a claim being paid or declined. The team at WeCovr are specialists in Life Insurance, Critical Illness Cover, and Income Protection. We will take the time to understand your unique situation and guide you to the right solution, with no obligation and no fee for our advice.
The prospect of long-term illness is daunting, but the financial consequences don't have to be. By taking proactive steps today, you can erect a powerful shield around yourself and your loved ones, ensuring that if your health falters, your financial security remains unshakable. You can give yourself the peace of mind to focus on what truly matters: your recovery and your future.
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!