UK Multimorbidity The Silent Health Epidemic
UK Multimorbidity The Silent Health Epidemic: UK 2025 Shock New Data Reveals Over 1 in 4 Britons Are Already Battling Multiple Chronic Conditions, Fueling a Staggering £3.8 Million+ Lifetime Burden of Lost Earning Potential, Escalating Healthcare Costs, & Eroding Quality of Life – Is Your PMI Pathway to Integrated Care & LCIIP Shielding Your Foundational Health & Financial Resilience
A quiet but profound health crisis is tightening its grip on the United Kingdom. It doesn't have a single, dramatic name, but its impact is devastating. It's called multimorbidity—the presence of two or more long-term health conditions—and new 2025 data reveals a startling reality: over a quarter of the UK population is now living with this complex health challenge.
This isn't just a concern for the elderly. The trend is accelerating across all age groups, creating a perfect storm of declining quality of life, immense pressure on our beloved NHS, and a catastrophic financial burden for individuals and families. The numbers are staggering. We're facing a potential lifetime cost of over £3.8 million per individual in lost earnings, private treatment expenses, and care needs.
The traditional healthcare and financial planning models are buckling under this weight. The siloed approach of the NHS struggles to manage the interconnected nature of multiple conditions, while a simple savings account offers little defence against the financial tsunami of long-term illness.
In this new reality, a proactive, multi-layered defence is no longer a luxury—it's essential. This guide will unpack the scale of the UK's multimorbidity epidemic, quantify the true financial and personal costs, and reveal how a strategic combination of Private Medical Insurance (PMI) and a Life, Critical Illness, and Income Protection (LCIIP) shield can safeguard your health, your wealth, and your future.
The Scale of the Crisis: Unpacking the 2025 Multimorbidity Data
The headline statistic is stark: as of 2025, more than 1 in 4 people in the UK are living with two or more chronic conditions. Research from leading bodies like The Health Foundation and the Office for National Statistics (ONS) paints a picture of a nation grappling with an increasingly complex health profile.
What is Multimorbidity? It's the simultaneous presence of multiple long-term health issues. These aren't just minor ailments; they are persistent conditions that require ongoing management.
Common combinations, often referred to as 'clusters', include:
- Cardio-metabolic: Such as type 2 diabetes, hypertension (high blood pressure), and heart disease.
- Mental-physical: A combination of a physical condition like arthritis or chronic pain with mental health conditions like depression or anxiety.
- Respiratory: Chronic Obstructive Pulmonary Disease (COPD) often co-existing with heart conditions or osteoporosis.
This is not an issue confined to later life. While prevalence increases with age, a concerning trend shows multimorbidity rising significantly in younger and middle-aged populations. A recent report in The Lancet Public Health highlighted that individuals in their late 40s today have, on average, the same number of chronic conditions as those in their mid-50s did a decade ago. We are getting sicker, younger.
| Chronic Condition | Estimated UK Prevalence (2025) | Common Co-morbidities |
|---|---|---|
| Hypertension | ~15.5 million adults | Diabetes, Heart Disease, Kidney Disease |
| Depression/Anxiety | ~1 in 6 adults weekly | Chronic Pain, Arthritis, IBS |
| Arthritis | ~10 million people | Obesity, Mental Health, Heart Disease |
| Type 2 Diabetes | ~4.4 million people | Hypertension, Obesity, Eye problems |
| Asthma | ~5.4 million people | Allergies, Eczema, COPD |
Source: NHS England, The Health Foundation, Diabetes UK, ONS Estimates 2025.
The implications are profound. Managing one chronic illness is a challenge; managing two, three, or more is a logistical, emotional, and financial marathon that the current system is ill-equipped to support.
The £3.8 Million+ Financial Tsunami: Deconstructing the Lifetime Cost
The figure of a £3.8 million lifetime burden can seem abstract, but it is built on a foundation of real-world financial consequences that can derail even the most carefully laid plans. This isn't just about prescription costs; it's a multi-faceted financial erosion that touches every aspect of your life.
Let's break down how these costs accumulate over the lifetime of a 45-year-old diagnosed with multiple conditions.
1. Lost Earning Potential (The Largest Contributor) This is the most significant financial hit. Economic inactivity due to long-term sickness is at a record high in the UK, according to the latest ONS labour market statistics.
- Reduced Hours: Inability to maintain a full-time schedule due to fatigue, pain, or frequent appointments.
- Career Stagnation: Being passed over for promotions or unable to take on more demanding, higher-paying roles.
- Forced Early Retirement: Having to leave the workforce a decade or more before state pension age, decimating pension contributions and future income.
- "Presenteeism": Working while ill, leading to significantly lower productivity and potential career setbacks.
A higher-rate taxpayer earning £60,000 at age 45 who is forced to retire 15 years early could lose over £1.2 million in gross salary alone, not including lost pension growth and employer contributions.
2. Direct Healthcare & Adaptation Costs While the NHS is free at the point of use, the costs associated with managing complex conditions mount quickly.
- Private Consultations & Therapies: Bypassing long NHS waits for physiotherapy, counselling, or specialist opinions. This can easily run into thousands per year.
- Prescription Costs: In England, multiple medications can mean hundreds of pounds annually.
- Home & Vehicle Adaptations: Ramps, stairlifts, or adapted cars to maintain mobility can cost tens of thousands.
- Specialist Equipment: From hearing aids to mobility scooters and ergonomic furniture.
3. Social & Informal Care Costs As conditions progress, the need for care becomes a reality for many.
- Private Social Care: The cost of a live-in carer can exceed £50,000 per year. Even part-time home help can cost £20-£30 per hour.
- Informal Care Burden: A spouse or child may have to reduce their own working hours to become a carer, creating a second wave of lost income for the family.
Here is an illustrative breakdown of the potential lifetime financial impact for an individual:
| Cost Category | Estimated Lifetime Cost | Notes |
|---|---|---|
| Lost Gross Earnings | £1,200,000 - £2,000,000+ | Based on early retirement from an average professional salary. |
| Lost Pension Growth | £500,000 - £800,000+ | Compounded loss from missed contributions and investment growth. |
| Private Healthcare | £100,000 - £250,000 | Specialist consultations, therapies, scans over 20-30 years. |
| Home/Vehicle Adaptations | £50,000 - £150,000 | One-off and recurring costs for mobility and independence. |
| Long-Term Social Care | £200,000 - £600,000+ | Based on 5-10 years of professional care needs. |
| Total Potential Burden | £2,050,000 - £3,800,000+ | A conservative estimate of the cumulative financial devastation. |
This isn't scaremongering; it's a realistic projection of the financial trajectory for someone battling multimorbidity without a robust safety net in place.
The Human Cost: How Multiple Conditions Erode Your Quality of Life
Beyond the spreadsheets and financial projections lies the deeply personal, human cost of multimorbidity. The daily reality is one of compromise, adaptation, and a constant mental burden.
- The 'Full-Time Job' of Being a Patient: Life becomes a cycle of juggling multiple specialist appointments, complex medication schedules, and self-monitoring. It's exhausting and leaves little room for anything else.
- Chronic Pain and Fatigue: These are two of the most common and debilitating symptoms. They sap energy, limit activity, and can make even simple tasks feel monumental.
- The Mental Health Spiral: There is a powerful and destructive link between physical and mental health. Living with chronic pain and physical limitations is a significant driver of anxiety and depression. Conversely, poor mental health can worsen physical symptoms, creating a vicious cycle.
- Social Isolation: Giving up hobbies, being unable to travel, or simply not having the energy to socialise can lead to profound loneliness and a loss of identity.
- Impact on Relationships: The strain on partners, who may transition into a carer role, and the inability to be the parent or grandparent one wants to be can cause immense guilt and relationship stress.
Quality of life is not a soft metric; it's the very essence of our existence. Multimorbidity systematically chips away at it, leaving individuals feeling like a collection of diagnoses rather than a whole person.
The NHS Under Strain: Why the System Is Struggling with Complex Care
The National Health Service is a national treasure, designed to provide world-class care for acute problems. However, its very structure—based on single-specialty departments—is a fundamental mismatch for the challenge of multimorbidity.
Patients with multiple conditions often find themselves in a bewildering and fragmented system:
- Siloed Care: You see a cardiologist for your heart, an endocrinologist for your diabetes, and a rheumatologist for your arthritis. These specialists rarely have the time or a formal system to communicate effectively with one another.
- Conflicting Advice: One specialist might prescribe a medication that has a negative side effect on a condition managed by another. The patient is often left to navigate this minefield alone.
- The Waiting List Multiplier: The strain of record-breaking NHS waiting lists (currently impacting over 7.5 million treatment pathways in England) is magnified for multimorbid patients. A 40-week wait for one specialist appointment is bad enough; facing sequential 40-week waits for three different specialists can mean years pass before a coherent treatment plan is even formed. During this time, conditions can worsen dramatically.
- Lack of a 'Quarterback': There is often no single clinician coordinating a patient's overall care strategy. The GP does their best but lacks the time and specialist resources to manage such complex cases proactively.
The NHS was built for an era of single, acute illnesses. It is struggling to adapt to the new reality of chronic, complex, and interconnected conditions. For patients, this translates to delays, frustration, and suboptimal health outcomes.
Your Proactive Defence: How Private Medical Insurance (PMI) Provides a Pathway to Integrated Care
In the face of these systemic challenges, waiting and hoping is no longer a viable strategy. Private Medical Insurance (PMI) has evolved from a 'nice-to-have' perk to a critical tool for navigating the complexities of modern healthcare, especially for those with or at risk of multimorbidity.
PMI offers a fundamentally different approach, built around speed, choice, and coordination.
1. Speed of Access: This is the most immediate and powerful benefit. PMI allows you to bypass lengthy NHS queues for consultations, diagnostic scans (like MRI and CT), and treatment. For multimorbidity, early and accurate diagnosis is everything. It can be the difference between managing a condition effectively and suffering irreversible decline.
2. Choice and Control: PMI puts you back in the driver's seat. You can choose your specialist based on their expertise in your specific conditions, select the hospital, and schedule appointments at times that suit you. This control is incredibly empowering.
3. True Integrated Care: Many modern PMI policies now offer services specifically designed for complex cases: * Dedicated Case Management: A clinical case manager, often a trained nurse, is assigned to you. They act as your single point of contact, liaising between different specialists, coordinating appointments, and ensuring your overall treatment plan is coherent and holistic. They are the 'quarterback' that is often missing in the public system. * Second Medical Opinions: Get access to world-leading experts to review your diagnosis and treatment plan, ensuring you have the best possible strategy.
4. Access to Advanced Treatments: PMI can provide funding for new drugs, therapies, and surgical techniques that have been approved for use but are not yet available on the NHS due to cost or administrative delays.
Let's compare the journey of a patient, "Mark," aged 52, with suspected connected heart and kidney issues.
| Healthcare Stage | Typical NHS Journey | PMI-Supported Journey |
|---|---|---|
| Initial GP Visit | GP refers to Cardiology. | GP provides an open referral. |
| First Specialist Appt. | 38-week wait for Cardiology. | See chosen Cardiologist within 7 days. |
| Diagnostics | Further 6-week wait for an MRI. | MRI scan performed within 48 hours. |
| Secondary Referral | Cardiologist identifies kidney link. New referral to Nephrology. 42-week wait. | Cardiologist and PMI Case Manager arrange a Nephrology appointment for the following week. |
| Treatment Plan | Over 18 months to get a full diagnosis and coordinated plan. | Coordinated plan from both specialists within 3 weeks. |
The PMI pathway doesn't just offer convenience; it delivers a fundamentally better medical outcome by enabling swift, coordinated, and expert-led care.
The LCIIP Shield: Fortifying Your Finances Against a Health Shock
While PMI protects your health, a robust financial shield is needed to protect your wealth and lifestyle. This is where the 'LCIIP' trio—Life, Critical Illness, and Income Protection—comes into play. They are the financial bedrock that prevents a health crisis from becoming a financial catastrophe.
1. Income Protection (IP): The Cornerstone Often called the most important policy you can own, IP is your financial defence against being unable to work. If you are signed off sick by a doctor due to illness or injury, the policy pays you a regular, tax-free monthly income (typically 50-65% of your gross salary).
- How it helps with multimorbidity: It pays the bills, mortgage, and school fees during a flare-up, a period of recovery from surgery, or if you need to permanently reduce your hours. It removes the financial pressure, allowing you to focus purely on your health. It directly tackles the single biggest financial risk: loss of earnings.
2. Critical Illness Cover (CIC) This policy pays out a tax-free lump sum if you are diagnosed with one of a list of specified serious conditions (e.g., heart attack, stroke, cancer, multiple sclerosis).
- How it helps with multimorbidity: The lump sum provides a crucial financial injection. It can be used to:
- Clear a mortgage or other debts.
- Pay for private treatment or home adaptations.
- Fund a period of time off work for you or your partner.
- Modern policies are evolving, with many offering partial payments for less severe conditions, and some even allowing multiple claims for different illnesses.
3. Life Insurance This is the ultimate foundation of financial security for your loved ones. It pays out a lump sum on death, ensuring your family can maintain their standard of living, clear debts, and face the future without financial hardship.
Together, these three policies form a comprehensive shield. We at WeCovr specialise in helping individuals understand how these products interlink. We analyse your specific circumstances—your job, your health, your dependents—and search the entire market to build a tailored protection portfolio that is both robust and affordable.
Prevention and Proactive Health: The Hidden Benefits of Modern Insurance
The insurance landscape has changed. It's no longer just about waiting for a claim. The best providers are now your partners in proactive health and wellness, offering tangible benefits that help you stay healthier for longer.
Many leading insurers (like Vitality and Aviva) offer sophisticated wellness programmes that reward healthy behaviour. You can earn discounts and rewards for:
- Regular exercise tracked via a smartwatch.
- Achieving health goals (e.g., lowering BMI or blood pressure).
- Buying healthy food at the supermarket.
- Attending regular health screenings.
These schemes create a positive feedback loop, motivating you to build the very habits that can prevent or delay the onset of chronic conditions.
At WeCovr, we champion this proactive approach. That’s why we go a step further, providing our protection and PMI clients with complimentary access to CalorieHero, our exclusive AI-powered calorie and nutrition tracking app. We believe that empowering you with the tools to manage your diet and health from day one is a crucial part of our service. It’s about building foundational health resilience, not just providing a financial backstop.
Navigating the Application Process with Pre-Existing Conditions
A common question is: "Can I still get cover if I already have a health condition?" The answer is often yes, but the process requires expertise.
When you apply for PMI or LCIIP with pre-existing conditions, the insurer will 'underwrite' your application. This may involve:
- A detailed health questionnaire.
- A request to view your medical records from your GP.
- A medical examination or nurse screening.
The outcome can vary:
- Accepted at standard rates: If the condition is minor and well-managed.
- Premium "Loading": Your premium may be increased to reflect the higher risk.
- Exclusion: The specific pre-existing condition (and sometimes related ones) may be excluded from cover.
- Decline: In very severe or complex cases, cover may be declined.
This is where an expert independent broker like WeCovr becomes invaluable. We have deep knowledge of the market and understand the different underwriting philosophies of each insurer. One insurer might be hesitant about a history of anxiety, while another has a more lenient view. One might apply a heavy loading for high BMI, while another offers a pathway to reduce it. We navigate this complex landscape on your behalf to find the provider most likely to offer you the best possible terms, saving you the stress and disappointment of multiple failed applications.
Case Study in Resilience: How Sarah, 48, Secured Her Future
Sarah, a 48-year-old marketing director and mother of two, began experiencing persistent joint pain and digestive issues. Her GP suspected early-stage rheumatoid arthritis and possible Crohn's disease.
Her Fears:
- Long NHS waits for a diagnosis would see her health deteriorate.
- The impact on her ability to perform in her high-pressure job.
- The financial stability of her family if she had to stop working.
Her Proactive Strategy: Working with a broker, Sarah had previously put in place a comprehensive protection plan.
-
PMI in Action: Sarah used her PMI policy. She saw a top rheumatologist within five days and a gastroenterologist the following week. Coordinated tests confirmed her diagnosis quickly. Her clinical case manager ensured both specialists collaborated on a treatment plan that managed both conditions effectively.
-
Income Protection Kicks In: Six months later, a severe arthritis flare-up meant Sarah needed two months off work. Her Income Protection policy activated, paying her £3,500 per month, tax-free. This meant she could focus on recovery without worrying about her mortgage or family bills.
-
Critical Illness Payout: Her CIC policy included partial payments for Crohn's disease. She received a £25,000 lump sum. She used this to pay for private physiotherapy not covered by her PMI and to convert her spare room into an ergonomic home office, allowing her to manage her condition and work more flexibly.
Sarah's story demonstrates the power of a combined strategy. Her PMI addressed her immediate health needs with speed and quality, while her LCIIP shield protected her family's financial world from the aftershocks.
Your Health, Your Wealth, Your Choice: Taking Control in the Age of Multimorbidity
The rise of multimorbidity is reshaping the landscape of health and finance in the UK. It is a slow-motion crisis with profound implications for every single one of us.
The key takeaways are clear:
- The Problem is Real: Over a quarter of Britons are battling multiple chronic conditions, a trend that is accelerating in younger age groups.
- The Financial Risk is Enormous: The potential lifetime cost of lost earnings and healthcare can run into the millions, shattering financial security.
- Relying Solely on a Strained System is Risky: The NHS, despite its strengths, is not structured for the complex, integrated care that multimorbidity demands.
- A Proactive Defence is Essential: A dual strategy of Private Medical Insurance (for your health) and a robust LCIIP shield (for your finances) is the modern solution.
You have a choice. You can drift towards an uncertain future, hoping for the best, or you can take decisive, proactive control. Review your health, your finances, and your current level of protection.
Taking the first step to understand your options is the most powerful thing you can do today to secure your tomorrow. Your health and your family's financial resilience are your most valuable assets—it's time to protect them with the diligence they 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!