UK Mobility Crisis £4.8M Lifetime Cost
UK Mobility Crisis £4.8M Lifetime Cost: UK 2025 Shock New Data Reveals Over 2 in 5 Working Britons Will Suffer a Debilitating Musculoskeletal Condition Before Retirement, Leading to Protracted Pain, Significant Income Loss, and Deteriorating Quality of Life, Fueling a Staggering £4 Million+ Lifetime Burden of Unfunded Treatment & Lost Earning Capacity – Is Your LCIIP Shield Your Essential Defence Against This Silent Epidemic, and Your PMI Pathway to Rapid Diagnosis & Restorative Care
A silent epidemic is sweeping across the United Kingdom. It doesn’t command the same headlines as a novel virus, yet its impact is profoundly damaging to our nation's health, wealth, and wellbeing. Projections based on the latest 2024/2025 data from health bodies and the Office for National Statistics (ONS) paint a startling picture: over two in five working-age Britons are expected to develop a debilitating musculoskeletal (MSK) condition before they reach retirement age.
This isn't just about the occasional bad back. We are talking about chronic, life-altering conditions that lead to protracted pain, force millions out of the workforce prematurely, and erode quality of life. The financial consequences are just as severe. The lifetime cost of lost earnings, private treatment, and ongoing care for a single individual, particularly a higher earner, can spiral into the millions—a staggering, unfunded burden that the state safety net was never designed to handle.
In this definitive guide, we will unpack the scale of the UK's burgeoning mobility crisis. We'll examine the shocking statistics, deconstruct the monumental financial risks, and reveal why relying on Statutory Sick Pay is a plan for financial ruin.
Most importantly, we will show you the solution. We’ll explore how a robust shield of Life, Critical Illness, and Income Protection (LCIIP) cover is your essential defence against the financial fallout, and how Private Medical Insurance (PMI) provides a crucial pathway to the rapid diagnosis and restorative care you need to get back on your feet. Your health and your financial future are inextricably linked; preparing for this crisis is no longer optional—it's essential.
The Anatomy of a Crisis: Understanding the UK's MSK Epidemic
Musculoskeletal (MSK) conditions are injuries and disorders that affect the human body’s movement system. This includes bones, joints, muscles, ligaments, tendons, and nerves. While some issues are temporary, a huge and growing number are becoming chronic, long-term problems for the UK population.
According to health charity Versus Arthritis(versusarthritis.org), over 20 million people in the UK, including people of all ages, are living with an MSK condition. This represents nearly a third of the entire population. The ONS has consistently highlighted that MSK problems are one of the leading drivers of long-term sickness and economic inactivity in the UK, a trend that has accelerated since 2019.
When we project these figures forward, accounting for our ageing workforce, increasingly sedentary desk-based jobs, and the physical demands placed on tradespeople and healthcare workers, the "over 2 in 5" lifetime risk for the working population becomes a stark reality.
Key Drivers of the UK's MSK Crisis:
- Ageing Workforce: People are working for longer, increasing the cumulative wear and tear on their bodies.
- Sedentary Lifestyles: The rise of office and remote work means millions spend 8+ hours a day sitting, leading to poor posture, weakened core muscles, and chronic back and neck pain.
- Physically Demanding Jobs: Tradespeople, construction workers, nurses, and warehouse operatives face a high daily risk of acute injury and chronic strain.
- Obesity: Rising obesity rates in the UK place additional stress on weight-bearing joints like the hips and knees, accelerating conditions like osteoarthritis.
- Delayed Treatment: As we will explore, long NHS waiting lists mean acute problems are more likely to become chronic, debilitating conditions.
Common MSK Conditions and Their Impact on Work
It's crucial to understand that "MSK condition" is a broad term. The impact on your ability to work can range from manageable discomfort to a complete cessation of your career.
| Condition | Common Symptoms | Typical Impact on Work Ability |
|---|---|---|
| Chronic Back/Neck Pain | Persistent aches, stiffness, sciatica, reduced mobility. | Difficulty sitting/standing for long periods, lifting, driving. High rates of absenteeism. |
| Osteoarthritis | Joint pain, stiffness, swelling, cracking sounds. | Affects manual labourers severely. Can make commuting and desk work painful. |
| Rheumatoid Arthritis | Autoimmune disease causing joint inflammation, pain, fatigue. | Unpredictable flare-ups lead to unreliable attendance. Can affect hands, making tasks impossible. |
| Repetitive Strain Injury (RSI) / Carpal Tunnel | Pain, numbness, tingling in hands, wrists, arms. | Severely impacts office workers, hairdressers, musicians, and anyone using their hands repetitively. |
| Shoulder Disorders (e.g., Rotator Cuff Tear) | Pain, weakness, inability to lift arm. | Devastating for electricians, plasterers, and anyone working at or above shoulder height. |
The £4.8 Million Question: Deconstructing the Lifetime Financial Burden
The headline figure of a £4.8 million lifetime cost may seem unbelievable, but for a mid-career, higher-earning professional, it is frighteningly plausible. This figure isn't just pulled from thin air; it represents the catastrophic financial cascade that a severe, career-ending MSK condition can trigger.
Let's illustrate this with a realistic, albeit sobering, example.
Case Study: The Devastating Cost of a Career Cut Short
- The Individual: A 40-year-old self-employed architect earning £120,000 per year. They have a mortgage, two children, and plan to work until age 67.
- The Condition: A severe degenerative disc disease in their lower back, making it impossible to sit at a desk for more than an hour or conduct site visits. After multiple failed interventions, they are deemed unable to continue in their profession.
- The Financial Fallout:
- Lost Gross Earnings: 27 years (from age 40 to 67) x £120,000 = £3,240,000
- Lost Pension Contributions: Loss of personal and potential employer contributions, significantly reducing retirement pot. Could easily be £500,000+ over the period.
- Private Healthcare Costs: Initial consultations, multiple MRI scans, specialist pain management, potential private surgery, and years of physiotherapy not fully covered by a basic PMI plan or the NHS. Estimated lifetime cost: £80,000 - £150,000.
- Home & Vehicle Adaptations: Modifications to the home (stairlift, accessible bathroom) and an adapted vehicle. Estimated cost: £50,000.
- Ongoing Care & Medication: Prescription costs, complementary therapies (osteopathy), and potentially paid-for care in later life. Estimated cost: £100,000+.
Total Potential Financial Impact: Over £4,000,000.
If this individual were a higher earner, such as a surgeon or barrister earning £200,000+, the lost earnings alone would push the total financial burden well over the £4.8 million mark. This is the brutal reality of unfunded risk.
The Unfunded Costs of an MSK Condition: A General Breakdown
For anyone, regardless of income, the costs add up quickly. State support simply cannot fill the gap.
| Cost Category | Description | Potential Lifetime Cost Range |
|---|---|---|
| Lost Earnings | The primary financial hit. The gap between your salary and state benefits. | £100,000s to £Millions |
| Private Medical Treatment | Costs to bypass NHS queues for scans, consultations, and surgery. | £5,000 - £50,000+ |
| Medication & Therapies | Ongoing physiotherapy, osteopathy, pain medication, specialist equipment. | £50 - £500+ per month |
| Home & Vehicle Adaptations | Ramps, stairlifts, walk-in showers, vehicle hand controls. | £10,000 - £75,000+ |
| Informal Care Costs | The "cost" of a spouse or family member reducing their work hours to provide care. | Can equate to a second lost salary. |
The State's Safety Net: Why Statutory Sick Pay Isn't Enough
Many people mistakenly believe that the state will provide a sufficient safety net if they are signed off work long-term. This is a dangerous misconception. The primary support available is Statutory Sick Pay (SSP).
As of the 2024/25 tax year, SSP is just £116.75 per week.
Crucially, it is only payable by your employer for a maximum of 28 weeks. For the millions of self-employed workers in the UK, there is no entitlement to SSP whatsoever. Their income simply stops on day one.
Let's put that £116.75 figure into perspective.
Financial Reality Check: SSP vs. Average UK Salary
Based on ONS data for average weekly earnings, the shortfall is staggering.
| Metric | Weekly Amount | Monthly Amount (approx.) |
|---|---|---|
| Statutory Sick Pay (SSP) | £116.75 | £506 |
| Median UK Full-Time Salary | £682 | £2,955 |
| The Financial Shortfall | -£565.25 | -£2,449 |
How many households could survive a £2,449 drop in their monthly income? For most, it would be impossible to cover the mortgage, bills, and food costs for more than a month or two.
After 28 weeks, your only recourse is the wider benefits system, likely Universal Credit or Employment and Support Allowance (ESA). These are means-tested and designed to provide a basic subsistence level of income, not to maintain your lifestyle or cover your mortgage. An MSK condition doesn't just threaten your health; it threatens your home and your family's financial stability.
Your Essential Defence: The LCIIP Shield Explained
This is where personal responsibility and proactive financial planning become paramount. A comprehensive suite of protection insurance policies—Life, Critical Illness, and Income Protection (LCIIP)—acts as your private financial safety net, shielding you from the devastating consequences we've outlined.
At WeCovr, we specialise in helping clients navigate these essential products. We don't believe in a one-size-fits-all approach; we believe in building a tailored defensive wall around your finances by comparing policies and providers from across the entire UK market.
Income Protection (IP): The Bedrock of Your Financial Security
If you take only one thing from this article, let it be this: Income Protection is the single most important insurance for any working adult. It is the direct solution to the primary financial risk of an MSK condition—the loss of your salary.
How it Works:
- It pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury (including stress, depression, and all forms of MSK condition).
- It typically covers 50-70% of your gross salary, which is usually enough to cover your essential outgoings.
- You choose a deferment period – the time you wait from when you stop working until the policy starts paying out (e.g., 4, 8, 13, 26, or 52 weeks). You can align this with any employer sick pay or your savings.
- Crucially, you should choose a long-term payment period. This means the policy will continue to pay you every month right up until you can return to work, or until your chosen retirement age (e.g., 67). This is vital for chronic MSK conditions that can last for years, or even decades.
Income Protection is the policy that pays your bills, protects your mortgage, and allows you to focus on recovery without the terror of financial ruin.
Critical Illness Cover (CIC): The Lump Sum for Immediate Needs
While Income Protection replaces your ongoing income, Critical Illness Cover is designed to solve immediate, large-scale financial problems with a single, tax-free lump sum.
How it Works:
- You choose a lump sum amount (e.g., £100,000).
- The policy pays out this sum if you are diagnosed with one of a list of specific, serious conditions defined in the policy.
In the context of MSK conditions, it's important to be clear. Standard back pain or early-stage arthritis will not trigger a CIC payout. However, many policies do cover MSK-related conditions if they result in Total Permanent Disability (TPD), preventing you from ever working again. Some severe conditions, such as paralysis resulting from a spinal cord injury, are often named conditions.
This lump sum can be a financial lifeline, used to:
- Pay off your mortgage or other large debts instantly.
- Fund private medical treatment not covered by PMI.
- Make significant adaptations to your home.
- Provide a financial cushion for your family while you adapt to a new reality.
Life Insurance: Protecting Your Loved Ones
Life Insurance provides a lump sum or regular income to your dependents if you pass away. While most MSK conditions are not fatal, they can arise as a secondary complication of other illnesses, or an accident causing an MSK injury could also be fatal. It forms the final part of a complete protection portfolio, ensuring that even in the worst-case scenario, your family is financially secure. For those looking for a more affordable, budget-conscious option, Family Income Benefit is an excellent alternative, paying out a regular, tax-free income rather than a single lump sum.
The PMI Pathway: Your Fast-Track to Diagnosis and Recovery
Having a financial shield is one half of the solution. The other is getting the best possible medical care as quickly as possible. This is where Private Medical Insurance (PMI) is not a luxury, but a strategic necessity in the face of the UK's healthcare challenges.
The single biggest factor in turning a manageable MSK issue into a chronic, career-threatening one is time. Long delays for diagnosis and treatment lead to muscle wastage, worsening symptoms, mental health decline, and the condition becoming harder to treat successfully.
The NHS Bottleneck
While we are all incredibly grateful for the NHS, it is under unprecedented strain. The latest NHS England referral to treatment (RTT) statistics(england.nhs.uk) reveal a stark reality, particularly for MSK-related specialisms like Trauma & Orthopaedics.
- Waiting lists are at near-record highs, with millions of people waiting for consultant-led treatment.
- The wait for a first appointment with an orthopaedic specialist can be many months.
- Following that, the wait for essential diagnostic scans like an MRI or CT can add further months of delay.
- Finally, the wait for routine surgery, such as a hip or knee replacement, can be over a year in some areas.
This isn't a criticism; it's a statement of fact. For someone in pain and unable to work, a cumulative wait of 18+ months for treatment is simply not viable.
How PMI Solves the Problem
PMI provides a parallel pathway that bypasses these queues, giving you speed, choice, and access to the best care.
| Stage | Typical NHS Wait Time | Typical PMI Wait Time |
|---|---|---|
| GP Referral to Specialist | 3 - 6+ months | 1 - 2 weeks |
| Specialist to Diagnostic Scan (MRI) | 6 - 12+ weeks | 2 - 7 days |
| Scan to Treatment (e.g., Surgery) | 9 - 18+ months | 2 - 6 weeks |
| Access to Physiotherapy | Long waiting list for a limited number of sessions. | Immediate access to a chosen therapist. |
The benefits are clear:
- Rapid Diagnosis: See a top consultant and get an MRI scan within weeks, identifying the exact problem quickly.
- Prompt Treatment: If you need surgery, it can be scheduled within weeks at a high-quality private hospital.
- Choice and Control: You can choose your surgeon and hospital, giving you confidence in your care.
- Comprehensive Rehabilitation: PMI policies often provide extensive cover for physiotherapy, osteopathy, and other therapies crucial for a full and fast recovery.
This speed is not just about convenience. It is clinically proven to lead to better outcomes, reducing the likelihood of an acute injury becoming a chronic, life-long condition.
Tailoring Your Protection: Who Needs Cover Most?
While everyone who works needs to consider this, some groups are at exceptionally high risk.
- The Self-Employed & Tradespeople: This group is the most financially exposed. With no employer sick pay or benefits, their income stops the moment they can't work. For plumbers, electricians, builders, and other manual trades, a serious MSK injury is a direct threat to their entire livelihood. Income Protection is not just advisable; it's essential business continuity planning.
- Manual Labourers & Healthcare Workers: Nurses, care assistants, and warehouse operatives perform physically demanding roles daily. The cumulative strain and risk of acute injury are immense. A robust protection plan is vital.
- Desk-Based Professionals: Don't underestimate the risk. Years of poor posture, long hours, and repetitive tasks lead to chronic back/neck pain, RSI, and carpal tunnel syndrome, which can be just as debilitating as an acute injury.
- Parents & Homeowners: If you have dependents or a mortgage, your income is not just your own. A loss of earnings can have a devastating ripple effect on your entire family.
As independent brokers, we at WeCovr understand that a one-size-fits-all approach doesn't work. The needs of a self-employed plasterer are vastly different from those of an office-based solicitor. Our expertise lies in understanding your unique personal and professional circumstances to find the right blend of cover from the UK's most trusted insurers.
Furthermore, we believe in supporting our clients' overall wellbeing. That's why every WeCovr client receives complimentary access to our proprietary AI-powered wellness app, CalorieHero. Maintaining a healthy weight is one of the most effective ways to reduce the strain on your joints and mitigate the risk of MSK conditions, and this tool is part of our commitment to your long-term health.
Beyond Insurance: Proactive Steps to Protect Your Mobility
While insurance is your financial backstop, prevention is always better than cure. You can take proactive steps today to lower your risk of developing a serious MSK condition.
- Prioritise Workplace Ergonomics: If you work at a desk, ensure your chair, screen, and keyboard are positioned correctly. Take regular breaks to stand and stretch every 30-45 minutes.
- Build Strength and Flexibility: Incorporate exercise into your routine. Focus on strengthening your core muscles (which support your spine), as well as general fitness and flexibility.
- Maintain a Healthy Weight: Every extra pound you carry puts approximately four extra pounds of pressure on your knee joints. Maintaining a healthy weight is a powerful protective measure.
- Listen to Your Body: Don't "work through" the pain. If you experience a new or worsening ache or pain, see your GP, a physiotherapist, or an osteopath early. Early intervention can prevent a small problem from becoming a big one.
Conclusion: Are You Prepared for the UK's Mobility Crisis?
The data is unequivocal. The UK is facing a musculoskeletal crisis of unprecedented scale, and the trend is worsening. The risk of you or a loved one being impacted by a condition that causes chronic pain and an inability to work is higher than ever before.
The financial consequences are life-altering, with the potential for millions in lost income and unfunded care costs. Relying on the state's minimal safety net is a gamble that very few can afford to lose.
The solution is a two-pronged, proactive strategy:
- Your Financial Shield (LCIIP): Build a fortress around your finances with a comprehensive protection plan. Income Protection is the cornerstone, replacing your salary when you need it most. Critical Illness Cover provides a lump sum for major costs, and Life Insurance protects your family's future.
- Your Health Pathway (PMI): Secure a fast-track to the best medical care with Private Medical Insurance. Bypass debilitating NHS queues to get the rapid diagnosis, treatment, and rehabilitation you need for the best possible outcome.
Don't wait until a twinge becomes a torment, and pain becomes a financial catastrophe. The time to act is now. Review your health and financial defences today.
Take the first step towards securing your future. Contact WeCovr for a free, no-obligation review of your protection needs. Our expert, friendly advisors are here to help you understand your risks and build a resilient, affordable plan that gives you and your family complete peace of mind in these uncertain times.
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:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
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!