UK Caregiving The Hidden Lifetime Cost
UK 2025 Shock: Over 5 Million Britons Face a Lifetime as Unpaid Carers, Fueling a Staggering £4.0 Million+ Lifetime Burden of Lost Income, Deteriorating Health & Unfunded Professional Care Costs – Is Your LCIIP Shield Your Family's Undeniable Protection Against Life's Unexpected Caregiving Demands?
The United Kingdom is standing on the precipice of a silent social crisis. It’s a crisis that unfolds not in boardrooms or parliamentary debates, but in the quiet corridors of millions of homes across the nation. By 2025, it's projected that over 5 million people in the UK will be providing unpaid care for a loved one who is older, disabled, or seriously ill. This is not a role they applied for; it is a destiny that arrives, unannounced, with a phone call, a diagnosis, or the slow, creeping onset of frailty.
These are the UK's unseen army of unpaid carers. They are sons, daughters, spouses, and parents who find themselves thrust into a lifetime of service, often at an immense personal cost. The burden they shoulder is more than just emotional; it is a crushing financial weight. When we combine decades of lost income, vanished pension pots, the personal health cost of relentless stress, and the final, staggering expense of unfunded professional care, the lifetime financial impact on a single family can spiral into the millions.
This isn't a distant problem for 'other people'. This is a reality that could impact any family, at any time. A sudden stroke, a cancer diagnosis, or a degenerative condition like Multiple Sclerosis can instantly transform a family’s dynamics and financial future. The question is not if a caregiving event could happen, but how you will cope when it does.
In this definitive guide, we will unpack the true scale of the UK's caregiving crisis. We will dissect the devastating financial consequences and explore the powerful, proactive solution that can shield your family from the fallout: a robust and tailored Life, Critical Illness, and Income Protection (LCIIP) strategy. This is your blueprint for financial resilience in the face of life’s most profound challenges.
The Unseen Army: Unpacking the UK's 2025 Caregiving Crisis
To understand the solution, we must first grasp the sheer scale of the problem. The term "unpaid carer" often conjures an image of an adult child looking after an elderly parent. While this is common, the reality is far broader and affects every demographic.
An unpaid carer is anyone who provides support to a family member or friend who could not manage without their help due to illness, disability, a mental health problem, or an addiction. The care they provide is unpaid and indispensable.
According to research from organisations like Carers UK(carersuk.org) and the Office for National Statistics (ONS), the picture for 2025 and beyond is stark:
- A Growing Legion: It is estimated that 1 in 7 adults in the UK are now juggling work and unpaid care. That's over 5 million people, a figure set to rise with our ageing population.
- The "Sandwich Generation": A significant portion of carers are in their 40s and 50s, caught in the "sandwich generation" – simultaneously caring for ageing parents while still supporting their own children.
- Women Bear the Brunt: Women are disproportionately affected, making up the majority of unpaid carers. Many are forced to reduce their working hours or leave their jobs entirely at the peak of their careers.
- Intense Commitment: Over 1.5 million people in the UK provide over 50 hours of unpaid care per week. This is more than a full-time job, yet it comes with no salary, no holiday, and no sick pay.
UK Unpaid Carer Demographics at a Glance (2025 Projections)
| Metric | Projected Statistic | Source Insight |
|---|---|---|
| Total Unpaid Carers | Over 5 million | Driven by an ageing population and increased survival rates from illness. |
| Gender Split | Approx. 58% Female, 42% Male | Women are more likely to be primary carers and provide more intensive care. |
| Peak Caring Age | 45-64 years old | This coincides with peak earning years, leading to significant income loss. |
| Working Carers | 1 in 7 of the total workforce | Balancing work and care leads to stress, absenteeism, and lower productivity. |
| Intensive Carers | >1.5 million providing 50+ hours/week | Equivalent to a full-time job, with a profound impact on personal health. |
| Young Carers | Over 700,000 under the age of 18 | Their education, mental health, and future prospects are severely impacted. |
This isn't just a collection of statistics; it's a portrait of millions of lives redefined by duty and love, but also strained to breaking point. The pressure on the NHS and social care systems means this reliance on informal, unpaid care is only set to intensify.
The £4.0 Million+ Lifetime Burden: Deconstructing the True Cost of Care
The headline figure of a multi-million-pound lifetime burden can seem abstract. However, when you break it down into its constituent parts, you see how quickly the costs accumulate, creating a devastating financial vortex for a family. This isn't one single cost; it's a cascade of financial hits over a lifetime.
The Financial Domino Effect: Lost Earnings and Pension Gaps
This is often the first and most significant financial blow. When a loved one needs round-the-clock care, careers are put on hold.
- Reduced Hours: An estimated 1 in 5 carers give up work entirely, while countless more are forced to switch to part-time roles.
- Stagnated Careers: Even for those who continue working, the flexibility required for hospital appointments, emergencies, and daily care means promotions are missed and career progression grinds to a halt.
- The Pension Chasm: This is the hidden time bomb. When you stop working or reduce your hours, your pension contributions—both personal and from your employer—evaporate. Over a 10-20 year period of caregiving, this can result in a pension pot that is hundreds of thousands of pounds smaller, crippling your own retirement plans.
Hypothetical Scenario: The Cost for a Single Carer
Let's consider Sarah, a 45-year-old marketing manager earning £50,000 per year. Her husband has a severe stroke and requires significant long-term care. Sarah decides to leave her job to become his full-time carer for the next 15 years until her own retirement age.
| Financial Impact | Calculation | Lifetime Cost |
|---|---|---|
| Lost Gross Salary | £50,000 x 15 years | £750,000 |
| Lost Employer Pension Contributions | Assuming 5% employer contribution: £2,500 x 15 years | £37,500 (base) |
| Lost Pension Growth | The above contributions + her own, compounded over 15 years @ 5% growth | £150,000+ |
| Total Direct Financial Loss | A conservative estimate, not including missed pay rises or bonuses. | ~£900,000+ |
As you can see, the financial loss for just one person in a moderately well-paid job can approach £1 million over their lifetime. For a high-earning couple where one person stops working, the numbers become even more astronomical, easily pushing into the multi-million-pound territory suggested by the headline.
The Toll on Wellbeing: The Physical and Mental Health Costs
The strain of caregiving is not just financial. It exacts a heavy price on the carer's own health, which in turn has further financial consequences.
- Mental Health: Carers are twice as likely to suffer from mental health problems like depression and anxiety compared to the general population. The isolation, stress, and emotional toll are immense.
- Physical Health: The physical demands of lifting, assisting, and managing a household, combined with chronic stress and lack of sleep, lead to a higher incidence of physical ailments, from back problems to stress-induced conditions like heart disease. A study in the Journal of the American Medical Association(jamanetwork.com) found that spousal caregivers with a history of strain have a significantly higher mortality risk.
This "health cost" translates back into financial cost:
- Lost Productivity: The carer may need to take time off from their part-time job due to their own illness.
- Medical Expenses: Costs for therapy, physiotherapy, or other treatments not fully covered by the NHS.
- Reduced Earning Capacity: Poor health can permanently reduce a carer's ability to return to the workforce even after their caregiving duties end.
The Final Straw: The Unfunded Cost of Professional Care
Informal care can only go so far. Eventually, many families reach a point where professional help is non-negotiable, either through home care visits or a move into a residential care facility. This is where savings can be wiped out with terrifying speed.
The UK's social care system is means-tested. If you have assets (including your home, in some cases) above a certain threshold, you are expected to fund your own care.
- The Thresholds (England, 2025): If you have capital over £23,250, you are likely to be classified as a "self-funder".
- The Staggering Costs:
- Home Care: A visiting carer can cost £20-£30 per hour. Just 20 hours of care a week can add up to over £25,000 per year.
- Residential Care: The average cost of a residential care home in the UK is around £37,232 per year.
- Nursing Home Care: If nursing care is required, this rises to an average of £51,896 per year.
A five-year stay in a nursing home can easily deplete over £250,000 from a family's savings, often forcing the sale of the family home. This is the final, devastating blow that LCIIP is designed to prevent.
The LCIIP Shield: Your Financial Defence Against the Unexpected
Facing these numbers can feel overwhelming, but it's not a foregone conclusion. Proactive financial planning can create a powerful shield that protects your family's finances and wellbeing. This shield is composed of three core components: Life Insurance, Critical Illness Cover, and Income Protection.
Think of them not as separate products, but as an interlocking system of defence. At WeCovr, we specialise in helping families build this comprehensive shield, tailored to their unique circumstances by comparing options from every major UK insurer.
Critical Illness Cover: The First Line of Defence
Critical Illness Cover (CIC) is designed to pay out a tax-free lump sum if you are diagnosed with one of a list of specific, serious conditions defined in the policy. These typically include conditions like heart attack, stroke, most forms of cancer, multiple sclerosis, and organ failure—the very events that often trigger a long-term care need.
How it Acts as a Shield:
The power of CIC is its flexibility. The lump sum can be used for anything, providing immediate financial relief and options when they are needed most.
- Funding Professional Care: The payout could fund several years of professional home care, allowing a spouse or child to continue working rather than becoming a full-time carer.
- Adapting the Home: The money can be used for essential modifications like installing a stairlift, converting a bathroom to a wet room, or widening doorways for wheelchair access.
- Covering Lost Income: The payout can replace the income of the family member who chooses to step back from work to provide care, removing the immediate financial pressure.
- Accessing Specialist Treatment: It can pay for treatments or therapies not readily available on the NHS, potentially improving recovery outcomes.
Typical Conditions Covered by Critical Illness Policies
| Core Conditions Covered | Common Additional Conditions Covered |
|---|---|
| Cancer (of specified severity) | Motor Neurone Disease |
| Heart Attack | Parkinson's Disease |
| Stroke | Major Organ Transplant |
| Multiple Sclerosis | Blindness or Deafness |
| Kidney Failure | Traumatic Head Injury |
Scenario: Mark, 52, has a CIC policy for £150,000. He suffers a major stroke that leaves him with significant mobility issues. The £150,000 payout allows his family to:
- Pay off the last £40,000 of their mortgage.
- Spend £20,000 on home adaptations.
- Set aside £90,000 to pay for 15 hours of professional care per week for the next 5-6 years, allowing his wife to keep her job and safeguard her own pension.
Without the policy, his wife would have likely had to quit her job, decimating their household income and future financial security.
Income Protection Insurance: The Monthly Lifeline
While Critical Illness Cover provides a one-off lump sum for a specific diagnosis, Income Protection (IP) is designed for a different purpose. It pays a regular, tax-free monthly income if you are unable to work due to any illness or injury that prevents you from doing your job.
How it Acts as a Shield:
IP is the ultimate defence for your personal income stream. It's your own private sick pay scheme that lasts far longer than any employer's.
- Protecting the Breadwinner: If the primary earner in a family becomes ill and can no longer work, their IP policy kicks in. It replaces up to 60-70% of their gross salary, ensuring that bills are paid, the mortgage is covered, and life can go on without a catastrophic drop in income. This financial stability means the family can afford to hire help, rather than a partner being forced to give up their own job.
- Protecting the Carer: As we've seen, carers themselves are at high risk of burnout and illness. If a carer who is also working part-time becomes too ill to continue (due to stress, depression, or a physical injury), their own IP policy would provide a monthly income to support them.
Income Protection vs. Statutory Sick Pay (SSP)
| Feature | Statutory Sick Pay (SSP) | Typical Income Protection Policy |
|---|---|---|
| Weekly Payout | £116.75 (as of 2024/25) | 50-70% of your gross salary |
| Duration | Maximum of 28 weeks | Until you return to work, retire, or die |
| Who Qualifies? | Employees earning above a certain threshold | Anyone with an income (employed/self-employed) |
| Reliability | Basic, often insufficient to cover bills | A robust, reliable replacement for your salary |
The difference is stark. SSP is a safety net with very large holes. Income Protection is a financial fortress. Navigating the options—from deferred periods to benefit amounts—is crucial, and this is where expert guidance from brokers like WeCovr becomes invaluable. We can help you match a policy's terms to your specific job and financial needs.
Life Insurance: The Ultimate Family Safety Net
Life Insurance is the foundational layer of the LCIIP shield. It provides a tax-free lump sum to your loved ones if you pass away during the policy term. Its role in the context of caregiving is profound and often overlooked.
How it Acts as a Shield:
- Clearing the Decks: The most common use is to pay off the mortgage. By removing the single largest monthly expense, it gives the surviving partner immense financial breathing room. They can make decisions about their career and care responsibilities based on what's best for the family, not what's dictated by debt.
- Funding Long-Term Care: If you are the primary carer for a disabled child or a spouse with a long-term condition, a life insurance payout can create a trust fund to ensure their care is paid for long after you're gone. This provides peace of mind that is truly priceless.
- Replacing a Carer's "Value": If a non-working parent or full-time carer passes away, their "economic value"—childcare, housekeeping, managing the home—is lost. A life insurance payout can provide the funds needed to hire help to cover these essential roles, allowing the surviving working parent to keep their job.
- Terminal Illness Benefit: Most modern life insurance policies include Terminal Illness Benefit at no extra cost. This allows the policy to pay out before death if you are diagnosed with a condition that is expected to end your life within 12 months. This money can be used for palliative care, making your final months more comfortable and reducing the burden on your family.
Building Your Bespoke LCIIP Shield: A Practical Guide
There is no one-size-fits-all solution. The right mix of Life Insurance, Critical Illness Cover, and Income Protection depends entirely on your personal circumstances, your family structure, your budget, and your biggest worries.
Which Policy for Which Worry?
| If Your Primary Concern Is... | The Key Protection Is... | How It Works |
|---|---|---|
| "How will we pay the mortgage if I get cancer or have a stroke?" | Critical Illness Cover | The lump sum payout can clear the mortgage or provide a fund for years of bills, allowing you to focus on recovery. |
| "What if I'm ill for years and can't work?" | Income Protection | It provides a replacement monthly salary, ensuring your financial life continues even when your work life has stopped. |
| "Who will care for my disabled child if I'm not around?" | Life Insurance (often written in trust) | The payout creates a dedicated fund managed by trustees to pay for your child's care and support for the rest of their life. |
| "My partner needs care. How can I afford to help without quitting my job?" | Critical Illness Cover (on your partner) | The payout funds professional care, home adaptations, and bridges any income gaps without sacrificing your career. |
Building this shield requires careful thought. At WeCovr, our expertise lies in helping you analyse your unique family situation and financial vulnerabilities. We don't just sell policies; we help you build a personalised financial defence strategy. We compare plans from all the UK's leading insurers to find the most comprehensive cover at the most competitive price.
Furthermore, we believe in supporting our clients' total wellbeing. As part of our commitment, all WeCovr customers receive complimentary access to CalorieHero, our exclusive AI-powered nutrition and calorie tracking app. We understand that proactive health management is a vital part of protecting your future, and this is just one of the ways we go above and beyond for the families we protect.
Frequently Asked Questions (FAQ)
Q1: What's the main difference between Critical Illness Cover and Income Protection? Think of it this way: Critical Illness Cover is for the impact of a specific, severe diagnosis, paying a lump sum to help you deal with the major life changes it brings. Income Protection is for the inability to work due to any illness or injury, providing a monthly income to replace your salary. You can have both, as they cover different risks.
Q2: Isn't the state or the NHS supposed to cover these care costs? This is a common and dangerous misconception. The NHS provides healthcare, which is free at the point of use. It does not typically pay for social care—help with washing, dressing, or eating. Social care is provided by local authorities and is subject to strict means-testing. As explained above, if you have modest savings or own your home, you will be expected to pay for your own care, which can be ruinously expensive.
Q3: I'm young and healthy. Why do I need to think about this now? There are two key reasons:
- Price: The younger and healthier you are when you take out a policy, the cheaper the monthly premiums will be. These premiums are often fixed for the life of the policy, so you lock in that low price for decades.
- Insurability: If you wait until you have a health issue, cover can become more expensive or even unavailable. You are insuring against a future risk, and the best time to do that is when the risk seems lowest.
Q4: Can I get cover if I have a pre-existing medical condition? It depends on the condition, its severity, and how long ago you had it. Insurers will look at your medical history. In some cases, they may offer cover with an "exclusion" for that specific condition, or they may increase the premium. It is always worth applying, as you may still be able to get valuable cover. An expert adviser can help you navigate this process with different insurers.
Q5: How much cover do I actually need? This is the most important question and requires a personal calculation. For Life Insurance, a common rule of thumb is 10x your annual salary, or enough to clear the mortgage and other debts. For Critical Illness Cover, consider what you'd need to clear major debts and cover 2-3 years of income. For Income Protection, aim to cover your essential monthly outgoings. A detailed financial review with an adviser is the best way to determine the precise amounts.
Conclusion: Your Family's Future is Not a Matter of Chance
The quiet crisis of unpaid caregiving is one of the most significant social and financial challenges facing UK families today. The potential for a sudden illness to trigger a lifetime of financial hardship is real and growing. Relying on luck, or the hope that "it won't happen to us," is not a strategy; it's a gamble with your family's future.
The good news is that you have the power to take control. By proactively building your LCIIP shield—a carefully structured combination of Life Insurance, Critical Illness Cover, and Income Protection—you can erect a financial fortress around your loved ones.
This shield ensures that if the unexpected happens, your family's choices are driven by love and wellbeing, not by financial desperation. It ensures that a diagnosis doesn't have to mean the end of a career, the loss of a home, or the sacrifice of your own health and retirement.
Don't wait for a crisis to reveal the gaps in your financial protection. The time to act is now. Take the first step towards securing your family's future by seeking expert advice and building the LCIIP shield that will stand strong against whatever life throws your way.
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!