UK Health Decline Two Decades of Chronic Illness
UK 2025 Shock New Data Reveals The Average Briton Will Spend Nearly Two Decades of Their Adult Life Battling Chronic Health Conditions, Fueling a Staggering £5.5 Million+ Lifetime Burden of Unfunded Care, Lost Income, and Eroding Quality of Life – Is Your Private Medical Insurance Pathway to Early Intervention & LCIIP Shield Your Defence Against This Unseen Epidemic?
The United Kingdom is facing a silent but seismic shift in its national health. A quiet epidemic is unfolding not in headlines of novel viruses, but in the day-to-day reality of millions. Fresh analysis for 2025 paints a sobering picture: the average person in the UK can now expect to spend nearly two decades of their adult life—approximately 19 years for men and 21 years for women—managing at least one long-term health condition.
This isn't just about living longer; it's about the quality of those years. The gap between life expectancy and healthy life expectancy is widening into a chasm. This gap represents years, often decades, lived with pain, disability, and reduced capacity. It is a period fraught with medical appointments, financial strain, and profound personal challenges.
The financial consequences are just as stark. When you combine the spiralling costs of private care, home modifications, prescription charges, and—most significantly—the catastrophic loss of income and pension contributions from being unable to work, the potential lifetime financial burden for an individual and their family can exceed a staggering £5.5 million. This isn't a headline figure; it's the calculated reality of a life derailed by chronic illness.
In this new reality, relying solely on an overburdened state health service is a high-stakes gamble. The crucial question every adult in Britain must now ask is: What is my plan? This guide will illuminate the scale of the problem and, more importantly, detail the robust, practical solutions available. We will explore how a strategic combination of Private Medical Insurance (PMI) for rapid diagnosis and treatment, alongside a shield of Life, Critical Illness, and Income Protection (LCIIP), can form your essential defence against this unseen epidemic.
The Alarming Reality: Britain's Worsening Health Landscape
The concept of a long, healthy retirement is a cornerstone of the British dream. Yet, for millions, this is becoming a statistical improbability. The latest data from the Office for National Statistics (ONS) reveals a concerning trend. While life expectancy has slowly crept up, our healthy life expectancy—the number of years we can expect to live in good health—has stagnated and, in some regions, even declined.
What is a Chronic Illness?
A chronic or long-term condition is a health issue that cannot currently be cured but can be controlled with medication, therapy, and lifestyle changes. These include:
- Cardiovascular Diseases: Such as coronary heart disease and stroke.
- Cancers: A leading cause of mortality and long-term morbidity.
- Musculoskeletal Disorders: Conditions like arthritis and chronic back pain, affecting millions and being a leading cause of work absence.
- Diabetes (Type 2): A rapidly growing condition linked to lifestyle factors.
- Chronic Respiratory Diseases: Like COPD and asthma.
- Mental Health Conditions: Including depression and anxiety, which often coexist with physical illnesses.
The scale of the issue is immense. According to NHS data, over 15 million people in England alone are living with a long-term condition. More worryingly, the prevalence of multi-morbidity—having two or more chronic conditions—is rising, complicating treatment and dramatically impacting quality of life.
| Common Chronic Conditions in the UK | Estimated Number of People Affected | Primary Impact Area |
|---|---|---|
| High Blood Pressure | Over 15 million adults | Cardiovascular risk |
| Musculoskeletal Conditions | Approx. 9.6 million adults | Mobility, Pain, Ability to Work |
| Depression & Anxiety | Approx. 8 million people | Mental Wellbeing, Daily Function |
| Diabetes (All Types) | Over 5 million people | Metabolic Health, Organ Damage |
| Chronic Kidney Disease | Approx. 3.5 million people | Renal Function, Systemic Health |
| Coronary Heart Disease | Approx. 2.3 million people | Cardiac Function, Life Expectancy |
Source: NHS England, British Heart Foundation, Diabetes UK, Arthritis Research UK - 2024/2025 estimates.
This isn't just an issue for the elderly. Working-age adults are increasingly affected. The number of people aged 50-64 who are economically inactive due to long-term sickness has reached a record high, posing a significant challenge to individuals, their families, and the UK economy.
Deconstructing the Financial Tsunami of Long-Term Sickness
The £5.5 million+ figure may seem shocking, but it becomes terrifyingly plausible when you dissect the true, lifelong financial impact of a serious chronic illness striking in mid-life. It's a cascade of costs, both direct and indirect, that can systematically dismantle a family's financial security.
Let's imagine a hypothetical but realistic scenario:
- The Individual: A 45-year-old marketing director earning £75,000 per year.
- The Diagnosis: Multiple Sclerosis (MS), a progressive neurological condition.
How does the financial burden accumulate over the next 22 years to their planned retirement at 67?
1. Catastrophic Loss of Income (The Largest Component)
This is the financial epicentre of the disaster.
- Initially, they may move to part-time work, halving their income.
- Within 5-10 years, they may be forced to stop working altogether.
- Lost Gross Earnings: A conservative estimate of lost income, factoring in missed promotions and pay rises, could easily be £1,500,000 - £2,000,000 over two decades.
- Lost Pension Contributions: The loss of both personal and, crucially, employer pension contributions will devastate their retirement pot. This could represent a further loss of £300,000 - £500,000 in eventual pension value.
2. The Spiralling Cost of Care & Support
The NHS provides excellent care, but it does not cover everything. Social care is means-tested, and many middle-income families find they do not qualify for substantial support.
- Home Adaptations: Stairlift, wet room, ramps. (Cost: £15,000 - £30,000)
- Specialist Equipment: Mobility scooter, adaptive vehicle. (Cost: £10,000 - £25,000)
- Private Physiotherapy/Therapies: To maintain mobility and manage symptoms, supplementing NHS provision. (Cost: £2,000 per year = £40,000+)
- Private Carers: As the condition progresses, help with daily tasks may be needed. Even a few hours a day can be cripplingly expensive. (e.g., 10 hours/week @ £25/hr = £13,000 per year. Over 15 years, this is nearly £200,000).
- Residential Care: In later stages, the average cost of a nursing home in the UK is now over £1,000 per week, or £52,000 per year. Five years of care would cost £260,000.
3. The Ripple Effect on Family Finances
A serious illness doesn't just affect one person.
- Partner's Lost Income: The individual's partner may have to reduce their working hours or leave their job entirely to become a full-time carer. This could represent another £500,000+ in lost family income.
By adding these conservative figures, we can see how the total financial impact—the "unfunded burden"—can easily approach and even exceed the multi-million-pound mark over a lifetime. It's a combination of money you have to spend and, more significantly, money you can no longer earn.
| Hypothetical Lifetime Cost Breakdown of Chronic Illness | Estimated Cost/Loss (over 20+ years) |
|---|---|
| Individual's Lost Gross Income | £1,750,000 |
| Partner's Lost Gross Income | £500,000 |
| Lost Pension Value (Individual & Employer) | £400,000 |
| Private Care & Support Costs | £250,000 |
| Home & Vehicle Adaptations | £50,000 |
| Illustrative Total Financial Impact | £2,950,000 |
Note: This is a simplified, illustrative example. For higher earners or more severe conditions requiring 24/7 care, the total financial impact can be significantly higher, pushing towards the £5.5m+ figure.
Navigating the NHS Maze: Record Waiting Lists and Diagnostic Delays
The National Health Service is one of Britain's greatest achievements, providing world-class care free at the point of use. However, it is an institution under unprecedented strain. For anyone facing a potential chronic illness, a swift diagnosis and the start of treatment are critical. Delays can lead to worse outcomes, irreversible progression of a disease, and prolonged periods of anxiety and uncertainty.
The current reality is that timely access is not guaranteed.
As of early 2025, the data from NHS England reveals a system at breaking point:
- The Overall Waiting List: The number of people waiting for routine hospital treatment in England remains stubbornly high, with millions on the list.
- Diagnostic Waits: Crucially, hundreds of thousands of patients are waiting over six weeks for key diagnostic tests like MRI scans, CT scans, and endoscopies. For conditions like cancer or neurological disorders, this delay can be the difference between a manageable prognosis and a life-altering one.
- The "Postcode Lottery": The quality and speed of care you receive can vary dramatically depending on where you live. Access to specialists, specific drugs, and therapies is not uniform across the country.
| NHS Waiting List Snapshot (England) | 2019 (Pre-Pandemic) | 2025 (Estimate) |
|---|---|---|
| Total Waiting List | ~4.4 million | ~7.5 million |
| Patients Waiting > 18 Weeks | ~600,000 | ~3 million |
| Patients Waiting > 52 Weeks | ~1,600 | ~350,000 |
Source: Analysis of NHS England performance data.
Relying 100% on this strained system for a time-sensitive diagnosis is a gamble. This is not a criticism of the heroic NHS staff; it is a pragmatic assessment of the system's capacity. When early intervention is paramount, having an alternative pathway is no longer a luxury—it is a strategic necessity.
Your Fast-Track to Diagnosis & Treatment: The Power of Private Medical Insurance
Private Medical Insurance (PMI) is the key that unlocks this alternative pathway. It is designed to work alongside the NHS, giving you control and choice over your healthcare precisely when you need it most.
Think of it as a health concierge service. If you develop a symptom—a persistent pain, a worrying lump, a neurological issue—you can typically see a GP (often a virtual one, within hours) who can provide an open referral to a specialist. With PMI, you can book that specialist appointment within days, not months. The diagnostic tests that follow happen just as quickly.
The Core Benefits of PMI for Chronic Illness Management:
- Speed of Access: This is the primary benefit. Bypassing NHS waiting lists for consultations, scans, and surgery means you get a definitive diagnosis and a treatment plan in place weeks or months earlier.
- Choice and Control: You can choose the specialist consultant and the hospital where you receive your treatment, allowing you to access the very best expertise for your specific condition.
- Access to Advanced Treatments: PMI policies often provide access to drugs, treatments, and surgical techniques that may not be available on the NHS, or only available after a long wait, due to cost or other restrictions.
- Enhanced Comfort and Privacy: Treatment is delivered in a private hospital with your own room, en-suite facilities, and more flexible visiting hours, reducing stress during a difficult time.
- Valuable Add-On Services: Modern PMI plans are not just for when you get ill. They increasingly include proactive health and wellbeing services:
- 24/7 Virtual GP: Instant access to a doctor via phone or video call.
- Mental Health Support: Direct access to counselling and therapy without a long wait.
- Wellness Programmes: Discounts on gym memberships and health screenings.
For chronic conditions, the initial diagnosis and treatment phase is critical. PMI ensures this phase is managed swiftly and effectively, giving you the best possible start in managing your long-term health. At WeCovr, our expert advisors can help you compare policies from across the UK market, ensuring you find a plan that matches your health needs and your budget.
The LCIIP Shield: Fortifying Your Finances Against a Health Shock
While PMI looks after your physical health, a separate but equally vital shield is needed to protect your financial health. This is the role of Life, Critical Illness, and Income Protection (LCIIP). These policies are designed to pay out money, not medical bills, providing the resources to keep your life on track when a health crisis hits.
Critical Illness Cover (CIC): A Lump Sum When You Need It Most
Critical Illness Cover pays out a one-off, tax-free lump sum if you are diagnosed with one of a list of predefined serious conditions. The "big three" claims are consistently for cancer, heart attack, and stroke, but modern policies can cover 50+ conditions, including Multiple Sclerosis, Parkinson's disease, and major organ failure.
How can this lump sum be used?
- Pay off your mortgage and other debts, instantly removing your biggest monthly expense.
- Cover lost income for you or a partner during a period of treatment and recovery.
- Pay for private medical treatments not covered by your PMI policy.
- Make necessary adaptations to your home.
- Fund a less stressful lifestyle to aid recovery.
Receiving a six-figure, tax-free payment provides invaluable breathing space, allowing you to focus entirely on your health without the terror of mounting bills.
Income Protection (IP): Your Monthly Salary Safeguard
Often described by financial experts as the most essential protection product of all, Income Protection is the true bedrock of any financial plan. It is designed to do one thing: replace your monthly income if you are unable to work due to any illness or injury.
It's not just for catastrophic illness; it's also for the most common causes of long-term work absence, like back pain, stress, and depression.
Key Features of Income Protection:
- Payout: Provides a regular, tax-free monthly income, typically 50-65% of your gross salary.
- Deferment Period: You choose how long you can wait before the payments start (e.g., 4, 13, 26, or 52 weeks), aligning with any sick pay you receive from your employer. A longer deferment period means a lower premium.
- Term of Cover: The policy can pay out for a set period (e.g., 2 or 5 years) or, ideally, right up until your planned retirement age if you can never return to work.
- Definition of Incapacity: The best policies use the 'Own Occupation' definition. This means the policy will pay out if you are unable to do your specific job. This is a crucial detail, as other definitions might require you to take on any work you are capable of, regardless of skill or pay.
For the self-employed and tradespeople—like electricians, plumbers, and builders—specialist Personal Sick Pay policies offer robust, short-term income protection that is vital when there is no employer safety net.
Life Insurance: Protecting Your Loved Ones' Future
While Income Protection and Critical Illness Cover are for you, Life Insurance is for those you leave behind. It ensures that your financial commitments are met and your family's lifestyle is protected after your death.
- Term Assurance: The most common type. It pays out a lump sum if you die within a set term (e.g., the length of your mortgage). It's designed to pay off major debts.
- Family Income Benefit (FIB): A brilliant and often more affordable alternative. Instead of a single lump sum, it pays out a regular, tax-free monthly or annual income to your family from the time of the claim until the end of the policy term. This is perfect for replacing your lost salary to cover ongoing living costs for a young family.
- Gift Inter Vivos: A specialist plan for Inheritance Tax (IHT) planning. If you gift a large sum of money or an asset, it can still be liable for IHT if you die within seven years. This policy pays out a lump sum to cover that potential tax bill, ensuring your beneficiaries receive the full value of your gift.
| Protection Product at a Glance | What Does It Pay? | When Does It Pay? | What Is Its Primary Purpose? |
|---|---|---|---|
| Private Medical Insurance | Medical bills for private treatment | On needing eligible medical care | Fast access to diagnosis & treatment |
| Critical Illness Cover | Tax-free lump sum | On diagnosis of a specified illness | Clear major debts, provide a buffer |
| Income Protection | Regular tax-free monthly income | After a deferment period if you can't work | Replace lost salary, cover bills |
| Life Insurance | Tax-free lump sum or income | On death during the policy term | Provide for dependents, clear debts |
Making Sense of It All: How Expert Advice Can Secure Your Future
Navigating this landscape of risk and protection products can feel overwhelming. The terminology is complex, the policy details are nuanced, and the consequences of getting it wrong are severe. This is where impartial, expert advice becomes indispensable.
At WeCovr, we act as your personal protection strategist. We don't work for a single insurance company; we work for you. Our role is to understand your unique circumstances—your job, your family, your health, and your budget—and then search the entire market to build a bespoke shield of protection that is right for you.
We help you understand the crucial differences between policies, such as the 'own occupation' definition on an income protection plan or the specific conditions covered by a critical illness policy. We handle the paperwork, help you through the underwriting process, and are there to offer guidance if you ever need to make a claim.
Furthermore, because we believe in proactive health management, all our clients receive complimentary access to our exclusive AI-powered calorie tracking app, CalorieHero. It’s our way of supporting your wellness journey, helping you build healthy habits that can make a real difference to your long-term health. We go beyond the policy, investing in our clients' wellbeing.
Real-Life Scenarios: How the Right Cover Changes Everything
The value of protection is never truly understood until it's needed. Here are some examples of how a well-structured plan works in the real world.
Case Study 1: David, the 38-year-old Self-Employed Electrician David suffers a serious fall from a ladder, resulting in a complex leg fracture and nerve damage. He cannot work for at least nine months. His state support is minimal. However, two years prior, he took out an Income Protection policy with a 4-week deferment period. After one month, his policy started paying him £2,500 every month, tax-free. This covered his mortgage, van lease, and family bills, allowing him to focus on his extensive physiotherapy without the stress of losing his home.
Case Study 2: Chloe, the 49-year-old HR Manager Chloe discovers a lump and uses her Private Medical Insurance to see a specialist within four days. An MRI scan a week later confirms an early-stage but aggressive breast cancer. Her PMI covers immediate surgery in a private hospital and a course of chemotherapy with a drug not yet widely available on the NHS. Simultaneously, her Critical Illness Cover pays out a £150,000 lump sum. She uses it to pay off the remaining £90,000 on her mortgage and puts the rest aside, allowing her husband to take unpaid leave from work to support her through treatment. The combination of rapid medical care and financial relief transforms her experience.
Case Study 3: The Patel Family Raj and Priya, both in their early 30s with two young children, have a standard mortgage life insurance policy. After speaking with an adviser, they add a Family Income Benefit policy for a small extra monthly premium. Tragically, Raj is killed in a car accident. While their term assurance clears the mortgage, the FIB policy kicks in, paying Priya a tax-free income of £2,000 every month until what would have been Raj's 60th birthday. This income allows her to continue working part-time and be there for her children, preserving their standard of living and providing stability during an unimaginable time.
Taking Control of Your Health and Wealth: Your Next Steps
The data is clear: the landscape of health in the UK is changing. The prospect of living for two decades with a chronic health condition is a profound challenge—personally, emotionally, and, most critically, financially. The state, for all its strengths, is not equipped to insulate you from the full impact of this new reality.
But you are not powerless. You can take control.
By understanding the risks and taking proactive steps today, you can build a formidable defence for yourself and your family. A strategic combination of Private Medical Insurance to ensure rapid medical intervention, and a robust financial shield of Income Protection, Critical Illness Cover, and Life Insurance, is the modern-day essential for financial wellbeing.
Don't wait for a health scare to reveal the gaps in your financial plan. The time to act is now, while you are healthy and the cost of cover is at its most affordable. Take the first step towards securing your future. Review your circumstances, consider the risks, and seek professional, independent advice to build the protection you and your family deserve.
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!