UK 2026 Shock The Multimorbidity Financial Trap
UK 2026 Shock New Data Reveals Over 1 in 3 Britons Will Be Managing Multiple Chronic Health Conditions, Fueling a Staggering £4 Million+ Lifetime Burden of Eroding Income, Unseen Medical Costs, & Collapsing Retirement Dreams – Is Your LCIIP Shield Your Unshakeable Foundation Against Lifes Ongoing Health Challenges
The UK is standing on the precipice of a silent health crisis, one that won't be announced with a sudden lockdown but will unfold insidiously in millions of homes across the country. New projections for 2026 reveal a startling reality: more than one in three British adults will be living with multimorbidity—the challenge of managing two or more long-term health conditions simultaneously.
This isn't just a health statistic; it's a ticking financial time bomb.
This wave of chronic illness is set to trigger what we call the Multimorbidity Financial Trap. It’s a devastating vortex of eroding income, unexpected costs, and shattered long-term plans that can inflict a lifetime financial burden exceeding £4.5 million on an individual and their family. It’s a trap that state benefits cannot protect you from and one that can dismantle decades of hard work in a matter of months.
The question is no longer if your health might be challenged, but when—and whether you have the financial resilience to withstand the shock. In this definitive guide, we will unpack this looming crisis and reveal how a robust Life, Critical Illness, and Income Protection (LCIIP) shield is not just a 'nice-to-have', but an unshakeable foundation for your financial security in modern Britain.
The Ticking Time Bomb: Unpacking the 2026 Multimorbidity Crisis
Multimorbidity is the new normal. It's the reality of a 55-year-old managing Type 2 diabetes and high blood pressure, a 45-year-old battling arthritis and anxiety, or even a 35-year-old dealing with asthma and depression. It's the complex interplay of conditions that makes daily life, and especially work, profoundly more challenging.
The scale of the issue is staggering. Projections based on data from the NHS and The Health Foundation indicate that by the end of 2026:
- Over 19 million adults in the UK will be living with two or more chronic conditions.
- The prevalence is accelerating among younger demographics. Nearly 1 in 5 people aged 35-49 are expected to be managing multimorbidity, shattering the myth that this is solely an issue for the elderly.
- The number of working-age people (16-64) forced out of the labour market due to long-term sickness is projected to surpass 2.8 million, a record high, with multimorbidity being a primary driver.
These aren't just abstract numbers. They represent colleagues, neighbours, and family members. The most common combinations of conditions create a compounding effect, where one illness exacerbates another, making a return to 'business as usual' almost impossible.
| Common Multimorbidity Clusters in the UK (2026 Projections) | Key Challenges for Individuals |
|---|---|
| Mental Health & Musculoskeletal (e.g., Depression & Arthritis) | Chronic pain worsens mood; low mood reduces motivation for physical therapy. |
| Cardio-Metabolic (e.g., Diabetes, Heart Disease, Obesity) | Requires significant lifestyle changes, multiple medications, frequent monitoring. |
| Respiratory & Mental Health (e.g., Asthma & Anxiety) | Fear of an asthma attack can trigger anxiety; stress can worsen asthma symptoms. |
| Neurological & Musculoskeletal (e.g., Migraines & Fibromyalgia) | Unpredictable, debilitating symptoms make consistent work attendance difficult. |
This rising tide of complex health needs is the bedrock upon which the financial trap is built. When your ability to work is compromised and your expenses simultaneously spiral, your entire financial world can be thrown into chaos.
Deconstructing the £4 Million+ Lifetime Financial Burden
The £4.5 million figure sounds shocking, but when you dissect the long-term financial devastation of a career-ending health shock for a higher earner, the numbers become terrifyingly real. It's a combination of three powerful financial headwinds.
Let’s consider a hypothetical 40-year-old professional earning £70,000 per year who develops a severe form of rheumatoid arthritis, followed by heart complications, forcing them to stop working.
1. The Catastrophic Loss of Income
This is the most immediate and largest part of the financial blow.
- Lost Salary: From age 40 to a planned retirement at 67, that's 27 years of lost income. Even without any promotions or pay rises, that's £1,890,000 in lost gross salary alone.
- Lost Career Progression: A conservative estimate of 3% annual pay rises would add another £900,000+ to the lost earnings total over that period. The potential for promotions to higher-paying roles is completely erased.
- Lost Pension Contributions: Forgone employer pension contributions (e.g., 5% of salary) and the lost compound growth on both employer and personal contributions could easily wipe £1,000,000 or more from their final retirement pot.
- Partner's Reduced Income: Often, a partner or spouse must reduce their own working hours or leave their job to become a carer, creating a second income shock. This can easily account for another £500,000+ in lost family income over the decades.
Total Potential Income & Pension Loss: ~£4 Million+
2. The Unseen and Unrelenting Costs
While the NHS provides exceptional care, it does not cover the vast array of costs that arise from living with chronic conditions.
- Home & Vehicle Adaptations: Ramps, stairlifts, walk-in showers, or an adapted vehicle can cost tens of thousands of pounds.
- Private Medical Care: With NHS waiting lists at record highs, many feel forced to pay for private consultations, diagnostic scans, or therapies to get timely help. This can run into thousands, or tens of thousands, very quickly.
- Ongoing Expenses: These are the 'hidden' costs that bleed a budget dry month after month.
| The Hidden Financial Drain of Chronic Illness: A Breakdown | Estimated Annual Cost | Estimated Lifetime Cost (25+ years) |
|---|---|---|
| Prescription Charges (England) | £100 - £200+ | £2,500 - £5,000+ |
| Increased Utility Bills (Home more often) | £400 - £800 | £10,000 - £20,000 |
| Specialised Diets & Nutrition | £500 - £1,500 | £12,500 - £37,500 |
| Travel to Medical Appointments | £200 - £1,000+ | £5,000 - £25,000+ |
| Over-the-Counter Remedies & Aids | £150 - £500 | £3,750 - £12,500 |
| Hired Help (Cleaning, Gardening) | £1,000 - £4,000 | £25,000 - £100,000 |
| TOTALS | £2,350 - £8,000+ | £58,750 - £200,000+ |
Total Potential Extra Costs: £200,000+
When you combine the catastrophic loss of earnings and pension with these relentless additional costs, the £4.5 million lifetime financial burden becomes a very plausible, and terrifying, scenario for a mid-to-high income family struck by multimorbidity.
3. The Collapse of Retirement Dreams
This is the final, heartbreaking outcome of the financial trap. The carefully laid plans for a comfortable retirement—travel, hobbies, time with grandchildren—are replaced by a reality of financial struggle. Pension pots are raided early (incurring tax penalties) just to pay the monthly bills, ensuring that the financial hardship will last for the rest of their lives.
Why Statutory Support Isn't Enough: The Limits of the State Safety Net
A common misconception is that the state will provide a sufficient safety net if you're unable to work. The reality is starkly different. The support available is a minimal lifeline, not an income replacement solution.
- Statutory Sick Pay (SSP): In 2026, this is projected to be around £123 per week. It's paid by your employer for a maximum of 28 weeks. It's designed for short-term absence, not a life-altering chronic illness.
- Universal Credit (UC) / Employment and Support Allowance (ESA): Once SSP ends, you may be eligible for these benefits. The standard allowance for a single person over 25 on Universal Credit is approximately £411 per month. Even with additional elements for limited capability for work, the total amount rarely covers the essential bills of a typical household, let alone a mortgage.
Let's put this into perspective.
| State Support vs. The Reality of Your Bills (Monthly Estimates) | Amount |
|---|---|
| Typical Income from State Benefits (UC/ESA) | £600 - £900 |
| Average UK Mortgage Payment | £1,100+ |
| Average Household Energy Bill | £200+ |
| Average Council Tax (Band D) | £180+ |
| Average Food & Groceries Bill | £400+ |
| Total Basic Outgoings (Example) | £1,880+ |
| Financial Shortfall | -£980 to -£1,280 per month |
The gap is not a gap; it's a chasm. Relying on state benefits alone is a direct path into debt, stress, and potential home repossession. It is not a viable plan for anyone with significant financial commitments.
Your Unshakeable Foundation: The LCIIP Shield Explained
You cannot predict a diagnosis, but you can absolutely prepare for its financial consequences. This is where the LCIIP shield—Life Insurance, Critical Illness Cover, and Income Protection—comes in. It’s a three-layered defence designed to protect your income, your assets, and your family's future.
Let's break down each component.
1. Income Protection (IP): Your Monthly Salary Replacement
If the Multimorbidity Financial Trap has a nemesis, it is Income Protection. It is arguably the most vital piece of financial protection for any working adult.
- What it does: IP pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. It's not limited to a specific list of conditions. If a doctor signs you off work, the policy is designed to pay out.
- How it works: You can typically cover 50-70% of your gross salary. This income continues to be paid until you can return to work, reach the end of the policy term, or retire, whichever comes first. You choose a 'deferred period' (e.g., 4, 8, 13, 26, or 52 weeks), which is the time you wait after stopping work before the payments begin. This allows you to align the policy with any sick pay you receive from your employer.
- The Gold Standard: Look for an 'Own Occupation' definition. This means the policy will pay out if you are unable to do your specific job. Less comprehensive policies might only pay if you can't do any job, which is a much harder threshold to meet.
Example: Sarah, a 42-year-old marketing manager earning £50,000, is diagnosed with Multiple Sclerosis (MS). Her symptoms of fatigue and cognitive fog mean she can no longer perform her high-pressure role. After her 13-week deferred period, her Income Protection policy starts paying her £2,500 a month (60% of her gross salary). This tax-free income allows her to pay her mortgage and bills, focusing on managing her health without the terror of financial ruin.
2. Critical Illness Cover (CIC): Your Financial Shock Absorber
While IP protects your ongoing income, Critical Illness Cover provides a significant capital injection to handle the immediate financial shock of a serious diagnosis.
- What it does: CIC pays out a one-off, tax-free lump sum upon diagnosis of one of a list of specified medical conditions. These policies typically cover major illnesses like specific cancers, heart attack, stroke, and MS.
- How it helps: This lump sum gives you freedom and options. You could:
- Pay off your mortgage and other debts, drastically reducing your monthly outgoings.
- Fund private medical treatment to bypass waiting lists.
- Pay for essential home modifications.
- Provide a financial buffer for your family while you adapt to your new circumstances.
- Simply replace lost income for a year or two.
Many modern policies now cover a huge range of conditions, sometimes over 100, and may offer smaller partial payments for less severe illnesses.
3. Life Insurance: The Ultimate Peace of Mind
Life Insurance is the final, essential layer of the shield, protecting your loved ones in the worst-case scenario.
- What it does: It pays a tax-free lump sum to your beneficiaries if you pass away during the policy term.
- Why it's crucial with multimorbidity: Many chronic conditions can, unfortunately, shorten life expectancy. Life Insurance ensures that even if the worst happens, your family will not inherit a financial burden. The payout can clear any remaining mortgage, cover funeral costs, and provide for your children's future education and living costs, ensuring they are secure no matter what.
At WeCovr, we specialise in helping you understand how these three powerful policies interlock to create a fortress around your finances, tailored to your unique personal and professional life.
Building Your Personalised Shield: How to Choose the Right Cover
Putting this protection in place is a proactive step towards securing your future. Here’s how to approach it.
Step 1: Conduct a Financial Health Check Before you can protect your finances, you need to understand them. Calculate your essential monthly outgoings: mortgage/rent, utilities, food, council tax, travel, and debt repayments. This figure is the minimum your Income Protection policy should cover. Then, list your major debts (mortgage, car loans, credit cards) to determine a suitable amount for Critical Illness and Life Insurance.
Step 2: Master the Policy Details The devil is in the detail. Key things to look for include:
- Definitions: As mentioned, 'Own Occupation' is critical for IP. For CIC, check how conditions are defined. The definition of a heart attack, for example, can vary between insurers.
- Indexation: Choose an index-linked policy. This means your potential payout and your premiums will rise each year in line with inflation, ensuring the cover remains meaningful over time.
- Waiver of Premium: This benefit means that if you make a claim on your IP or CIC policy, the insurer will waive your future premiums for the duration of the claim, so you don't have to pay for your insurance out of your benefit payments.
Step 3: Be Radically Honest When applying for insurance, you must disclose your full medical history, including your lifestyle (smoking, alcohol consumption). Hiding a pre-existing condition may lead to a cheaper premium initially, but it is a false economy. If the insurer discovers non-disclosure at the point of a claim, they are entitled to reject it, leaving you with nothing.
Step 4: Don't Go It Alone - Seek Expert Advice The protection market is complex, and the stakes are incredibly high. An off-the-shelf policy from a comparison website might not provide the robust cover you truly need.
This is where an expert broker like WeCovr becomes an indispensable ally. We don't just sell insurance; we provide expert guidance. We take the time to understand your life, your work, and your worries. We then search the entire market, comparing policies from all the UK's leading insurers to find the precise combination of cover that offers you the best protection at the most competitive price.
Furthermore, we believe in supporting our clients' holistic wellbeing. That's why, in addition to securing your financial future, WeCovr clients receive complimentary access to our proprietary AI-powered calorie tracking app, CalorieHero. It's a tool to help you take proactive control of your diet and lifestyle—a small part of our commitment to your long-term health, not just your wealth.
Case Study: The Tale of Two Futures – Prepared vs. Unprepared
To see the profound difference this planning makes, let's look at Mark and David. Both are 45, work in IT, earn £60,000, and have a mortgage and two children. Both are diagnosed with severe Crohn's disease, an inflammatory bowel condition that makes office work impossible.
David (The Unprepared)
David has no personal protection. He receives SSP for 28 weeks, which then stops. He applies for Universal Credit and receives around £800 a month. His mortgage and bills total £2,200. The family immediately falls into a £1,400 monthly deficit. They burn through their savings in six months. They start missing mortgage payments, and the stress puts immense strain on his marriage and his health. They are forced to sell their family home and dip into their pension pots 20 years early, decimating their retirement plans.
Mark (The Prepared)
Years ago, Mark sat down with a broker. He has an Income Protection policy set to pay him £3,000 a month and a Critical Illness policy for £150,000.
- Month 1: Mark is signed off work. He informs his insurer.
- Month 4: His 13-week deferred period ends. His IP policy starts paying £3,000 tax-free into his bank account each month. This covers the family's core bills.
- Lump Sum: Crohn's is a specified condition on his CIC policy. He receives a £150,000 tax-free lump sum. He uses £120,000 to clear the remaining mortgage and puts £30,000 aside as an emergency fund.
Mark's family can stay in their home. Their financial situation is stable. He can focus entirely on managing his condition without the crippling anxiety of financial collapse. His retirement plans remain secure.
| Mark vs. David: A Financial Snapshot 2 Years Post-Diagnosis | David (Unprepared) | Mark (Prepared) |
|---|---|---|
| Monthly Income | ~£800 (Benefits) | £3,000 (Income Protection) |
| Mortgage Status | In arrears, facing repossession | Paid off in full |
| Savings | Exhausted | £30,000+ emergency fund |
| Pension Pot | Raided to cover living costs | Untouched and still growing |
| Primary Focus | Financial survival, constant stress | Health management, family wellbeing |
Frequently Asked Questions (FAQ)
Q: Can I get cover if I already have a health condition? A: Yes, in many cases you can. The insurer will likely place an 'exclusion' on your existing condition, meaning you can't claim for that specific illness. However, you would still be fully covered for any new, unrelated conditions you might develop. Full transparency is key.
Q: Isn't this type of insurance incredibly expensive? A: It's often far more affordable than people think. The cost depends on your age, health, occupation, and the level of cover. For a healthy 35-year-old, comprehensive income protection can often be secured for less than the cost of a daily cup of coffee. The crucial question is not "can I afford the premium?" but "can I afford to be without the cover?".
Q: Don't insurers just try to avoid paying out? A: This is a persistent but outdated myth. The industry is highly regulated by the Financial Conduct Authority (FCA). In 2024, statistics from the Association of British Insurers (ABI) showed that 97.5% of all life insurance, critical illness, and income protection claims were paid out, totalling over £7.1 billion. Insurers want to pay valid claims; the problems arise from non-disclosure or misunderstanding policy terms.
Q: What's more important: Income Protection or Critical Illness Cover? A: They serve different but complementary purposes. Financial experts often refer to Income Protection as the foundational policy because it can cover any illness that stops you from working and provides long-term support. Critical Illness Cover is for handling the major financial shocks. Ideally, a robust plan includes both.
Q: How much cover do I actually need? A: A good rule of thumb is:
- Income Protection: Cover 60-70% of your gross monthly income.
- Critical Illness Cover: Aim to cover your mortgage plus 1-2 years of your annual salary.
- Life Insurance: Enough to clear all debts and provide a fund for your family to live on. An expert adviser can help you calculate a precise figure based on your individual needs.
Your Future is in Your Hands
The data is clear. The trend is undeniable. The 2026 multimorbidity shock is not a distant possibility; it is a clear and present danger to the financial stability of millions in the UK.
Relying on luck or a strained state system is not a strategy; it is a gamble with your family's future. The Multimorbidity Financial Trap is real, and it is devastating.
But you have the power to build a dam before the flood arrives. By putting a robust LCIIP shield in place, you are not buying an insurance policy; you are buying certainty in an uncertain world. You are buying the peace of mind that comes from knowing that if your health fails, your finances will not. You are ensuring that a medical diagnosis does not have to mean a life sentence of financial hardship.
Don't wait for a health shock to become a financial catastrophe. Take control. Make the decision today to build an unshakeable foundation for your future.
Related guides
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!