Statutory Sick Pay is just £116.75 per week. For most people, this isn't enough to cover the bills. Use our calculator to see how quickly a financial shortfall could appear.
Critical Illness Cover pays out a tax-free lump sum on diagnosis of a specified condition, giving you the financial breathing space to focus on your recovery.
WeCovr's critical illness financial impact calculator helps UK households estimate income shortfalls, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. across protection products. WeCovr also supports private medical insurance UK planning, while this guide explains the financial gap.
The calculator estimates lost income and extra costs during recovery.
It provides a planning estimate and does not replace tailored advice.
Estimates total income loss.
Adds recovery-related expenses.
Shows overall financial impact.
Statutory Sick Pay is limited, so longer recovery periods can create a meaningful gap.
WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance. If you are comparing private medical insurance UK options, we can help you access private health cover through a trusted PMI broker.
This guide references UK sick pay rules and health cost benchmarks.
| Driver | Impact | Example | Notes |
|---|---|---|---|
| Income loss | High | £3,000/month | Main gap |
| Extra costs | Medium | Travel, care | Varies |
| Recovery time | High | 6-24 months | Longer means higher |
No. It estimates the gap before any cover or benefits.
No. It is a planning tool based on your inputs.
You can adjust inputs to reflect household support.
No. It is an informational guide only.