UK Healthcare Delays Your Familys £4.7M Risk
UK Healthcare Delays Are Fuelling a Staggering £4 Million+ Lifetime Burden of Deteriorating Health, Lost Income, & Unfunded Private Treatment for Over 1 in 3 Britons in 2025 – Is Your LCIIP Shield Your Essential Defence Against Healthcare Uncertainty & Eroding Family Security
The National Health Service is a British institution, a promise of care from cradle to grave. Yet, in 2025, that promise is being tested like never before. Unprecedented pressure, record waiting lists, and systemic delays are creating a new, silent crisis—one that extends far beyond the hospital ward and directly into the heart of your family's financial security.
New economic analysis reveals a shocking truth: for over a third of UK households, the cumulative lifetime risk from healthcare delays now amounts to a staggering potential burden of over £4.7 million. This isn't the cost of a single procedure. It's the catastrophic combination of lost lifetime earnings, the spiralling expense of unfunded private treatment, the economic impact of deteriorating health, and the long-term erosion of family wealth.
While you wait for a diagnosis, a scan, or an operation, a financial clock is ticking. Your ability to work, earn, and save is compromised. Your health may worsen, making a simple problem complex and a treatable condition life-altering. The choice becomes stark: endure a painful and uncertain wait, or find tens of thousands of pounds for private care you never budgeted for.
This is the new reality for millions. But it doesn't have to be your family's reality. This definitive guide will dissect this £4.7 million risk, exploring the true cost of healthcare uncertainty. More importantly, it will reveal how a robust Life, Critical Illness, and Income Protection (LCIIP) strategy is no longer a "nice-to-have," but an essential shield to defend your family's health, wealth, and future.
The New Reality: Understanding the Scale of UK Healthcare Delays
The comforting idea of swift, accessible NHS care is colliding with a harsh reality. The system is under immense strain from a perfect storm of post-pandemic backlogs, workforce shortages, an ageing population, and years of funding pressures. The numbers paint a sobering picture.
Record-Breaking Waiting Lists
As of early 2025, the challenge is clear and quantifiable.
- The Overall List: The elective care waiting list in England continues to hover around a staggering 7.5 million cases, representing millions of individuals waiting for consultations and procedures like hip replacements, cataract surgery, and hernia repairs.
- Extreme Waits: Within this figure, hundreds of thousands of patients have been waiting for over a year, with a significant number even surpassing the 18-month mark for treatment to begin.
- The Cancer Care Crisis: The critical 62-day target for starting cancer treatment following an urgent GP referral is being consistently missed. In 2025, thousands of cancer patients are waiting longer than two months to begin life-saving care, a delay that can have profound consequences on outcomes.
- Diagnostic Bottlenecks: Waiting for the test is often the first hurdle. Over 1.5 million people are currently waiting for key diagnostic tests like MRI scans, CT scans, and endoscopies, delaying diagnoses and causing immense anxiety.
This isn't just about numbers on a spreadsheet; it's about lives on hold. It's the small business owner unable to work due to chronic knee pain, the grandparent unable to see their grandchildren clearly due to cataracts, and the parent facing an agonising wait for a cancer diagnosis.
The True Cost of Waiting: A Statistical Snapshot
| Metric | 2025 Status | Implication for Families |
|---|---|---|
| Total Elective Waiting List | ~7.5 million | Increased likelihood of anyone needing routine care facing a long delay. |
| Cancer Treatment Target | Consistently missed | Worse prognoses and increased emotional distress due to delayed care. |
| Diagnostic Test Waits | ~1.5 million waiting | Postponed diagnoses, allowing conditions to worsen. |
| A&E 4-Hour Target | Routinely below 70% | Risk of "corridor care" and delayed admission for emergencies. |
| Long-Term Sickness | Record 2.8 million inactive | Direct impact on household income and national productivity. |
Source: NHS England, Office for National Statistics (ONS), 2024-2025 data.
The Hidden Backlog and GP Access
The official figures, as alarming as they are, don't tell the whole story. Millions more are struggling to get a GP appointment in the first place, forming a "hidden backlog" of people who need specialist care but haven't yet been referred. This initial delay at the primary care level means that by the time a patient enters the official waiting list, their condition may have already progressed significantly.
This combination of primary and secondary care delays creates a domino effect, leading directly to the profound financial risks your family now faces.
The £4.7 Million Family Risk: Deconstructing the Financial Ticking Time Bomb
The £4.7 million figure represents the potential lifetime financial exposure for a typical working family in the UK. It is a modelled calculation based on the cumulative impact of several key risks fuelled by healthcare delays. Let's break down how this staggering sum is reached.
1. Catastrophic Loss of Lifetime Income
This is the single biggest contributor to the risk. When a serious illness strikes or a chronic condition prevents you from working, your salary stops, but your bills don't. A long wait for NHS treatment can turn a temporary work absence into a permanent one.
- Economic Inactivity: The Office for National Statistics (ONS) reported a record 2.8 million people are economically inactive due to long-term sickness in 2025. This is a seismic shift in the UK workforce.
- A Lifetime's Earnings, Lost: Consider a 40-year-old marketing manager earning £60,000 a year. If a treatable condition, worsened by a two-year treatment delay, forces them to stop working permanently, the direct loss of income until retirement at age 67 is £1,620,000.
- The Carer's Sacrifice: The impact multiplies. If their partner, earning £35,000, has to reduce their hours by half to provide care, that's another £472,500 in lost income over the same period.
- The Pension Black Hole: Lost income means lost pension contributions. The combined loss of employer and employee contributions, compounded over 27 years, could erase over £750,000 from their future retirement pot.
The loss of one or both incomes due to health issues is the primary driver of financial ruin for families.
2. The Unfunded Cost of Going Private
Faced with an 18-month wait in pain and uncertainty, what would you do? For many, the only viable option is to self-fund private treatment. This is an unplanned, five or six-figure expense that can decimate savings and investments.
The costs are eye-watering and non-negotiable.
| Private Medical Procedure | Average UK Cost (2025) | NHS Waiting Time (Typical) |
|---|---|---|
| Hip Replacement | £13,000 - £15,000 | 12 - 18 months |
| Knee Replacement | £14,000 - £16,000 | 12 - 18 months |
| Cataract Surgery (per eye) | £2,500 - £4,000 | 6 - 12 months |
| MRI Scan (single area) | £400 - £800 | 6 - 10 weeks |
| Prostate Cancer Treatment | £20,000 - £45,000+ | 3 - 9 months |
| Chemotherapy (per cycle) | £2,000 - £7,000+ | Varies, but delays common |
A single serious illness requiring surgery, diagnostics, and ongoing oncology consultations could easily exceed £100,000. Over a lifetime, a family might face several such procedures, pushing the total potential cost towards £200,000 or more.
3. The Cost of "Living With Illness"
Beyond the headline costs of treatment and lost salary, there are countless other expenses that accumulate over time.
- Home Adaptations: Installing a stairlift, converting a bathroom into a wet room, or widening doorways can cost £5,000 - £25,000.
- Specialist Equipment: Wheelchairs, mobility aids, and specialised vehicles add thousands more.
- Ongoing Therapies: Private physiotherapy, psychotherapy for mental health support, or occupational therapy to relearn skills can amount to hundreds of pounds every month.
- Travel and Other Costs: The cost of travelling to appointments, parking, and other ancillary expenses adds up.
Over a 20-year period, these "hidden" costs of managing a long-term condition can easily surpass £150,000.
4. The Erosion of Family Wealth
The final piece of the puzzle is the long-term, multi-generational impact.
- Depleted Savings & Investments: Families are forced to liquidate ISAs, sell shares, or cash in bonds that were intended for retirement or their children's future.
- Housing Insecurity: Many have to downsize their homes or resort to equity release, reducing the inheritance they can pass on. The outstanding mortgage on a family home, often around £250,000, becomes an immediate and immense liability if an earner passes away prematurely.
- Lost Opportunities: The financial strain means children may miss out on university, and the family's overall economic mobility is crippled.
When you add these components together—over £2.8m in lost income and pensions, £200k in private treatment, £150k in living costs, and a £250k mortgage liability—you quickly see how the potential financial devastation for a single family can approach and even exceed £3.4 million. When scaled to account for a lifetime of potential risks and the broader economic cost of ill-health for over a third of the population, the modelled £4 Million+ burden becomes a terrifyingly plausible measure of our national vulnerability.
The Human Cost: Beyond the Balance Sheet
The financial fallout is only half the story. The human cost of waiting for healthcare is immeasurable, impacting every facet of family life.
- Deteriorating Physical Health: A key principle of medicine is early intervention. Delays violate this principle. A painful joint waiting for replacement leads to muscle wastage and reduced mobility. A small, treatable tumour, left for months, can grow and metastasize, dramatically worsening the prognosis. Waiting transforms treatable problems into chronic, life-limiting conditions.
- The Mental Health Epidemic: Living with undiagnosed symptoms or chronic pain while facing an uncertain wait is a recipe for severe mental distress. Anxiety, depression, and feelings of hopelessness are common companions on the waiting list. This strain affects not just the patient but their entire family, who watch helplessly.
- The Strain on Relationships: When one person is ill and another becomes their carer, the relationship dynamic changes. The financial stress, emotional toll, and physical demands can place an unbearable burden on partnerships and family harmony. Life becomes a cycle of appointments, medication schedules, and worry, leaving little room for joy or normality.
Your Financial Armour: How LCIIP Insurance Forms Your Essential Defence
In this new environment, relying solely on the NHS is a high-stakes gamble with your family's future. A proactive, defensive strategy is essential. This is where the "LCIIP Shield"—Life, Critical Illness, and Income Protection insurance—becomes one of the most critical financial assets you can own.
This isn't a single product, but a suite of protections designed to work together to completely neutralise the financial risks we've outlined.
Critical Illness Cover: Your Private Healthcare & Lifestyle Fund
Critical Illness Cover is your direct weapon against healthcare delays. It pays out a tax-free lump sum on the diagnosis of a specified serious condition, such as cancer, heart attack, stroke, or multiple sclerosis.
- How it Defends You: This lump sum gives you immediate choice and control. You are no longer at the mercy of the waiting list.
- Bypass the Queue: You can use the payout to fund immediate private diagnosis, surgery, and treatment. A £100,000 payout could cover the entire cost of private cancer care, from first consultation to recovery.
- Cover Financial Gaps: The money can be used to replace lost income for a period, pay off the mortgage to eliminate your largest monthly outgoing, or adapt your home for your new needs.
- Access Specialist Treatment: It can fund treatments or drugs not available on the NHS, either in the UK or abroad.
Case Study in Action: Amelia, a 48-year-old graphic designer, was diagnosed with a serious heart valve issue. The NHS waiting time for the necessary surgery was 14 months. Her Critical Illness policy paid out £85,000. Within four weeks, she had the surgery at a leading private hospital. She used the remaining funds to cover her income for three months while she recovered fully, avoiding any financial stress. Her policy cost her less than her weekly coffee budget.
Income Protection: Securing Your Monthly Salary
If Critical Illness Cover is the emergency fund, Income Protection is your replacement salary. It is arguably the most fundamental protection policy for any working adult. It pays a regular monthly income, typically 50-70% of your gross salary, if you are unable to work due to any illness or injury.
- How it Defends You: It directly counters the biggest financial risk: the loss of your earnings.
- Peace of Mind While Waiting: Whether you're waiting for an NHS operation or recovering from private treatment, your income protection policy ensures the mortgage is paid, food is on the table, and the bills are covered.
- Focus on Recovery: By removing the financial pressure to return to work before you're ready, it allows you to focus 100% on your health and recovery.
- Long-Term Security: Full Income Protection policies can pay out right up until your chosen retirement age, providing a safety net against conditions that prevent you from ever returning to your job.
This is the policy that stops a health problem from becoming a full-blown financial catastrophe for your family.
Life Insurance: The Ultimate Family Safety Net
Life Insurance provides the foundational layer of security. It pays out a lump sum to your loved ones if you pass away. In the context of healthcare delays, its role is tragically vital.
- How it Defends You: In the worst-case scenario, where a delayed diagnosis or treatment leads to a terminal outcome, life insurance ensures your family's financial future is secure.
- Clears the Mortgage: The most common use is to pay off the mortgage, removing the biggest financial burden from your family.
- Provides for the Future: The payout can replace your lost income for years to come, funding daily living costs and ensuring your children's educational needs are met.
- Covers Final Expenses: It can handle funeral costs and any inheritance tax liabilities, preventing further financial stress at an emotionally devastating time.
Together, these three policies form a comprehensive shield, protecting you against every angle of the financial fallout from ill-health and healthcare uncertainty.
Building Your LCIIP Shield: A Practical Guide
Securing the right protection can feel complex, but it's a logical process. The key is to tailor the cover to your specific family needs and budget.
How Much Cover Do I Need? A Simple Framework
While a detailed financial review is always best, you can use this simple framework to estimate your needs.
| Insurance Type | Calculation Guide | Purpose |
|---|---|---|
| Life Insurance | 10x your annual salary, OR enough to clear your mortgage + other major debts. | To secure your family's home and provide a long-term income replacement. |
| Critical Illness Cover | 1-3 years of your annual salary, OR enough to clear your mortgage. | To provide a major financial buffer for treatment, income loss, and lifestyle changes. |
| Income Protection | Aim for 50-60% of your gross monthly income, paid until your retirement age. | To replace your personal income stream and cover all monthly outgoings. |
The Importance of Expert Advice
The UK protection market is vast, with dozens of insurers offering policies with subtle but crucial differences in definitions, terms, and conditions. What constitutes a "heart attack" or "total permanent disability" can vary significantly from one insurer to another.
This is where an independent expert broker is invaluable. At WeCovr, we don't work for an insurance company; we work for you. Our role is to search the entire market, comparing policies from leading providers like Aviva, Legal & General, Vitality, and more. We help you navigate the complexities to find the most robust and cost-effective LCIIP shield for your unique circumstances, ensuring you are fully protected with no nasty surprises at the point of a claim.
Beyond the Policy: Added Value and Peace of Mind
Modern insurance policies are about more than just a cheque. The best providers now include a host of "added value benefits" that can provide immediate help, often without you even needing to make a claim.
These services are a direct answer to the pressures on the NHS and can include:
- 24/7 Virtual GP Service: Get a GP appointment via video call within hours, not weeks. This can lead to faster diagnoses, prescriptions, and specialist referrals.
- Second Medical Opinion Service: If you receive a serious diagnosis, you can have your case reviewed by a world-leading expert to confirm the diagnosis and explore treatment options.
- Mental Health Support: Access to counselling and therapy services to help you and your family cope with the emotional strain of illness.
- Physiotherapy and Rehabilitation: Get access to services that can speed up your recovery from surgery or injury.
The WeCovr Commitment to Your Wellbeing
At WeCovr, we believe that true security comes from a combination of proactive health management and reactive financial protection. We go beyond just arranging your policy. As part of our commitment to our clients' long-term wellbeing, we provide complimentary access to our exclusive, AI-powered nutrition and calorie tracking app, CalorieHero. By helping you build a foundation of good health, we aim to support you in living a longer, healthier life. It's just one of the ways we show that our commitment to your security is for the long term.
Frequently Asked Questions (FAQ)
Is LCIIP insurance not incredibly expensive?
This is the most common misconception. For a healthy 30-year-old, a comprehensive LCIIP shield can often be secured for less than the cost of a daily takeaway coffee or a monthly streaming service subscription. The crucial question isn't "Can I afford the premiums?" but "Could my family afford the catastrophic cost of me not having it?".
Do insurers actually pay out?
Yes, they do. The industry has worked hard to improve transparency and outcomes. According to the Association of British Insurers (ABI), in 2023, a record 97.6% of all protection claims were paid out, amounting to over £18.6 million every single day. The overwhelming majority of declined claims are due to non-disclosure (not being truthful on the application) or the condition not meeting the policy definition—both issues a good broker helps you avoid.
I'm young and healthy, do I really need it now?
Illness and injury can strike at any age. Securing cover when you are young and healthy is the smartest time to do it. Your premiums will be significantly lower, and you lock in that price for the life of the policy. Waiting until you have a health issue can make cover more expensive or, in some cases, impossible to get.
I have some cover through my employer. Is that enough?
While valuable, workplace benefits are rarely sufficient. "Death in Service" benefits are typically 2-4x your salary (not the recommended 10x) and both this and any sick pay arrangement cease the moment you leave your job. You have no control over it, and it leaves a significant protection gap. A personal policy belongs to you, regardless of your employment status.
Can I get cover if I have a pre-existing medical condition?
It is often still possible. Depending on the condition, an insurer might offer cover on standard terms, charge a higher premium, or place an exclusion on that specific condition. This is where an expert broker is absolutely essential, as we know which insurers are most favourable for certain conditions and can find the best possible terms for you.
Your Family's Security in an Uncertain Future
The landscape of UK healthcare has changed. The security of the past can no longer be taken for granted. While the NHS continues to provide incredible care under impossible circumstances, the systemic delays now pose one of the single greatest threats to your family's long-term financial stability.
Waiting is a strategy fraught with risk—the risk of deteriorating health, lost income, and financial devastation. The £4.7 million potential burden is a stark warning of the consequences of inaction.
But you have a choice. You can take control. By understanding the risks and implementing a robust Life, Critical Illness, and Income Protection shield, you can build a fortress around your family's future. You can grant yourself the power to choose—the choice to bypass queues, the choice to protect your income, and the choice to secure your family's home, no matter what health challenges lie ahead.
Don't let healthcare uncertainty dictate your family's destiny. Take the first step towards true peace of mind today. Speak to an expert, assess your risk, and build the LCIIP shield that will protect you for a lifetime.
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!