UK Sickness Income Trap Millions Unprotected
UK 2025: Over 2.8 Million Britons Face Economic Inactivity From Chronic Illnesses, Often Uncovered by Critical Illness Policies – Is Your Income Protection the Unseen Shield Against a Staggering £4 Million+ Lifetime Income Loss and Eroding Family Futures?
A silent crisis is unfolding across the United Kingdom. It’s not a stock market crash or a housing bubble, but something far more personal and potentially devastating: the Sickness Income Trap. As we look towards 2025, startling projections from the Office for National Statistics (ONS) indicate that over 2.8 million people of working age will be economically inactive due to long-term sickness.
This isn't just a headline figure; it represents millions of individual stories of disrupted careers, mounting bills, and uncertain futures. It's a reality where common conditions like chronic back pain, severe stress, or long COVID—illnesses that can keep you out of work for months or even years—often fall through the cracks of traditional financial safety nets.
Many Britons believe they are protected. They have savings, a Critical Illness policy, or they trust in Statutory Sick Pay (SSP). Yet, the harsh truth is that these measures are often woefully inadequate. A Critical Illness policy pays a lump sum for a specific, severe condition, but what if your illness isn't on the list? SSP provides a minimal weekly amount for just 28 weeks.
What happens then?
This is the Sickness Income Trap. The moment your income stops, but your outgoings don't. The mortgage, the rent, the food bills, the car payments—they all continue. The financial pressure mounts, hindering recovery and eroding the future you've worked so hard to build. The potential lifetime income loss can be staggering, easily exceeding £4.5 million for higher earners.
In this definitive guide, we will dissect this growing crisis, expose the dangerous gaps in common financial plans, and reveal the one form of protection that acts as an unseen shield against it all: Income Protection insurance. This isn't just about insurance; it's about financial survival and securing your family's future against the unpredictable nature of health.
The Ticking Time Bomb: Deconstructing the UK's Long-Term Sickness Crisis
The scale of the UK's long-term sickness issue is both unprecedented and alarming. The recent surge in economic inactivity is not a statistical blip; it's a fundamental shift in the health and wellbeing of the nation's workforce.
According to the latest ONS Labour Market Overview(ons.gov.uk), the number of people out of work due to long-term health conditions has been steadily climbing. In mid-2024, this figure reached a record high, and projections for 2025 suggest a consolidation of this trend, with numbers expected to hover around 2.8 million people.
A Look at the Numbers: The Rising Tide of Economic Inactivity
| Year (Mid-Year Estimate) | Number of People Economically Inactive Due to Long-Term Sickness |
|---|---|
| 2019 | ~2.1 Million |
| 2022 | ~2.5 Million |
| 2024 | ~2.8 Million |
| 2025 (Projection) | Over 2.8 Million |
Source: ONS Labour Force Survey & Projections
This represents an increase of over 700,000 people in just five years—a city the size of Leeds removed from the workforce due to ill health.
What's Driving the Crisis? It's Not What You Think
When people think of long-term absence, they often picture catastrophic events covered by Critical Illness policies, like a severe heart attack or late-stage cancer. While these are devastating, they are not the primary drivers of long-term work absence.
The reality is far more common and insidious. The main culprits are:
- Musculoskeletal (MSK) Conditions: This is the leading cause group. It includes chronic back and neck pain, arthritis, and other joint-related issues. These conditions might not be "critical," but they can make performing a job, whether manual or office-based, impossible for extended periods.
- Mental Health Conditions: Depression, stress, and anxiety are the fastest-growing reasons for long-term absence. The pressures of modern life, work, and financial strain have led to an epidemic of conditions that significantly impact an individual's ability to function and work.
- "Other" and Progressive Conditions: This broad category includes everything from long COVID and chronic fatigue syndrome (ME/CFS) to neurological disorders and the side effects of treating early-stage cancers.
Crucially, the vast majority of these common conditions would not trigger a payout from a standard Critical Illness policy. This is the protection gap where millions of Britons are dangerously exposed.
The £4 Million+ Misconception: Your Paycheque is Your Biggest Asset
What is your most valuable asset? Your home? Your car? Your pension pot?
The answer is none of the above. For most people, their single greatest financial asset is their ability to earn an income. It’s the engine that pays for everything else—the mortgage, the holidays, the savings, the children's futures.
Let's put this into perspective. Consider a 35-year-old earning the UK average salary of around £35,000 per year. If they work until the state pension age of 67, their total gross earnings would be:
£35,000 (salary) x 32 (years) = £1,120,000
This is over a million pounds, and it doesn't even account for pay rises, bonuses, or inflation. For higher earners, the numbers become truly astronomical. A 40-year-old professional earning £100,000 a year has a future earning potential of over £2.7 million. If you're a high-flying executive or specialist, a lifetime income of £4.5 million or more is easily within reach.
Now, imagine that income suddenly stops due to an illness or injury. The financial impact is catastrophic.
The Staggering Cost of Being Unwell
The table below illustrates the potential gross income lost if you were unable to work again from a certain age.
| Current Age | Annual Salary | Years to Retirement (67) | Potential Lifetime Income Loss |
|---|---|---|---|
| 30 | £40,000 | 37 | £1,480,000 |
| 35 | £60,000 | 32 | £1,920,000 |
| 40 | £85,000 | 27 | £2,295,000 |
| 45 | £120,000 | 22 | £2,640,000 |
This is the raw, devastating financial power of the Sickness Income Trap. It’s not just about missing a few months' pay; it's about the potential obliteration of your entire financial future.
The Protection Gap: Why Critical Illness Cover Isn't the Answer (and SSP is a Drop in the Ocean)
Most people assume they have a safety net. In reality, these nets have huge holes. Let's examine the two most common forms of "protection" and why they fall short.
1. Statutory Sick Pay (SSP): A Sticking Plaster on a Severe Wound
If you're an employee and become ill, your first line of defence is Statutory Sick Pay.
- What is it? A government-mandated minimum payment from your employer.
- How much is it? For 2024/25, it's £116.75 per week.
- How long does it last? For a maximum of 28 weeks.
Now, compare £116.75 a week to the average UK household's essential outgoings.
| UK Average Weekly Cost (2024 Estimates) | Approximate Cost | Covered by SSP? |
|---|---|---|
| Rent (excl. London) | £250+ | ❌ |
| Mortgage Payment | £300+ | ❌ |
| Gas & Electricity | £45+ | ❌ |
| Food & Groceries | £100+ | ❌ |
| Total Essentials | £695+ | Nowhere near |
| Statutory Sick Pay | £116.75 |
SSP doesn't even cover the average weekly food shop for a family, let alone the roof over their head. For the self-employed, the situation is even more stark—there is no SSP at all. After 28 weeks, it stops completely, leaving you to navigate the complexities of the state benefits system, such as Universal Credit or Employment and Support Allowance (ESA), which are often insufficient and difficult to claim.
2. Critical Illness Cover (CIC): The Specificity Trap
Critical Illness Cover is an excellent product, but it is widely misunderstood.
- What is it? It pays out a tax-free lump sum if you are diagnosed with one of a list of specific, predefined serious illnesses that meet a specific severity definition.
The key words here are "lump sum," "specific," and "severity."
- The List is Limited: A typical policy might cover 40-50 conditions. But there are thousands of conditions that can stop you from working. The most common reasons for being off work long-term—musculoskeletal issues and mental health—are almost never covered.
- Severity Definitions are Key: You don't just need to be diagnosed with a condition; you need to meet the insurer's precise definition of severity. For example, some early-stage cancers or less severe heart attacks may not qualify for a payout, even if they prevent you from working for a year or more.
- The Lump Sum Dilemma: If you do receive a payout, you face a difficult decision. Do you use the money to pay off the mortgage, or do you try to make it last as a replacement income? A £100,000 payout might seem like a lot, but if you need to make it last for 10 or 20 years, it quickly evaporates.
This is not to say CIC is bad—it's a vital part of a financial plan for covering one-off costs like home adaptations or clearing debts. But it is not a replacement for a regular income.
The Ultimate Comparison: SSP vs. CIC vs. Income Protection
| Feature | Statutory Sick Pay (SSP) | Critical Illness Cover (CIC) | Income Protection (IP) |
|---|---|---|---|
| What does it pay? | £116.75 per week (24/25) | Tax-free LUMP SUM | Tax-free MONTHLY INCOME |
| What does it cover? | Any sickness | A specific list of serious illnesses | Any illness or injury stopping you from working |
| How long does it pay? | Max 28 weeks | Paid once on diagnosis | Until you recover, retire, or the policy term ends |
| Best For | Short-term absence only | Paying off debts/one-off costs | Replacing your monthly salary |
| Key Weakness | Amount is too low; ends quickly | Doesn't cover common illnesses (back pain, stress) | Requires careful setup (deferred period) |
The table makes it clear: for replacing a lost salary due to the widest possible range of health conditions, only one product is designed for the job.
Income Protection: Your Financial Lifeline When You Can't Work
This is the solution to the Sickness Income Trap. Income Protection (IP) is the most comprehensive form of sickness cover available, yet it remains the most undersold and misunderstood product in the UK.
Put simply, Income Protection pays you a regular, tax-free monthly income if you are unable to work because of any illness or injury.
It's designed to do one thing perfectly: replace your lost salary so you can continue to pay your bills and maintain your lifestyle while you focus on recovery.
How Does Income Protection Work? The Key Levers
Understanding an IP policy is straightforward when you break it down into its core components. When setting up a policy with an expert broker like WeCovr, you will make choices on the following:
- Benefit Amount: This is how much you receive each month. You can typically insure up to 50-70% of your gross (pre-tax) income. The payout is tax-free, so this often equates to a similar amount to your usual take-home pay.
- Deferred Period: This is the pre-agreed waiting period from when you stop working to when the payments begin. It can be anything from 4, 8, 13, 26, or 52 weeks. The golden rule is to align this with any sick pay you receive from your employer or how long your savings could last. A longer deferred period means a lower monthly premium.
- Payment Term: This is the maximum length of time the policy will pay out for each claim. It can be a short term (e.g., 2 or 5 years) or, ideally, 'full term'. A full-term policy will pay out right up until your chosen retirement age (e.g., 67) if you are never able to return to work. We almost always recommend a full-term policy for ultimate peace of mind.
- Definition of Incapacity: This is arguably the most important part of the policy. It defines what "unable to work" means.
- Any Occupation: The weakest definition. The policy will only pay out if you are unable to do any job at all. Avoid this.
- Suited Occupation: Better, but not perfect. It pays if you cannot do a job for which you are reasonably suited by your education and training.
- Own Occupation: The gold standard. The policy pays out if you are unable to perform the material and substantial duties of your specific job. This is the most comprehensive definition and the one you should always seek. At WeCovr, we help you navigate these choices, comparing policies from leading UK insurers to find the 'Own Occupation' cover that’s right for your profession and budget.
Real-Life Scenarios: How Income Protection Works in Practice
Theory is one thing, but real-world examples show the true power of this protection.
Scenario 1: Sarah, the 35-year-old Marketing Manager with Burnout
Sarah earns £50,000 a year. She has a Critical Illness policy but after a period of intense pressure at work, she suffers from severe burnout and is diagnosed with clinical depression. She is signed off work by her doctor.
- Her CIC Policy: Pays nothing. Mental health conditions are not on the list of covered critical illnesses.
- Her Employer Sick Pay: Pays her full salary for 3 months, then drops to SSP.
- Her Income Protection Policy: Sarah had wisely taken out a policy with a 13-week deferred period to match her employer's sick pay. After 13 weeks, her IP policy kicks in. It pays her £2,500 per month, tax-free (60% of her gross salary). This allows her to pay her mortgage and bills without financial worry, giving her the space and time to attend therapy and focus fully on her recovery. She eventually returns to work nine months later, at which point the payments stop.
Scenario 2: David, the 42-year-old Self-Employed Plumber with a Back Injury
David is a self-employed plumber earning around £45,000 a year. He suffers a serious herniated disc while on a job and cannot work. As he is self-employed, he has no employer sick pay and is not entitled to SSP.
- His Critical Illness Policy: Pays nothing. A back injury is not a critical illness.
- His Savings: He has around £3,000 in savings, which will last a month at best.
- His Income Protection Policy: David knew he had no safety net, so he chose a policy with a short 4-week deferred period. After just one month, his policy starts paying him £2,250 a month. This income is a lifeline, covering his family's living costs while he undergoes extensive physiotherapy. His injury means he is off work for 14 months, and his IP policy supports him throughout.
These scenarios illustrate a crucial point: Income Protection covers the very situations that are most likely to happen and which other policies ignore.
Demystifying the Costs: Is Income Protection Affordable?
A common myth is that Income Protection is prohibitively expensive. In reality, the cost is highly flexible and often surprisingly affordable—typically compared to a couple of weekly coffees or a monthly takeaway.
The premium is based on risk. Key factors include:
- Your Age & Health: Younger and healthier applicants pay less.
- Your Occupation: An office worker pays less than a construction worker.
- The Benefit Amount: The more cover you want, the higher the premium.
- The Deferred Period: A longer waiting period (e.g., 6 months vs 1 month) significantly reduces the cost.
- The Policy Type: Guaranteed premiums (which don't change) cost more upfront than reviewable premiums (which can increase over time). We usually recommend guaranteed premiums for budget certainty.
Example Monthly Premiums (Illustrative)
Here are some guide prices for a healthy non-smoker seeking a full-term policy paying out until age 67 with guaranteed premiums.
| Age | Occupation | Salary | Monthly Benefit | Deferred Period | Est. Monthly Premium |
|---|---|---|---|---|---|
| 30 | Office Worker | £35,000 | £1,750 | 13 Weeks | £25 - £40 |
| 35 | Teacher | £45,000 | £2,250 | 26 Weeks | £45 - £65 |
| 40 | Manual Skilled (e.g., Electrician) | £50,000 | £2,500 | 8 Weeks | £70 - £100 |
When you consider that this small monthly outlay protects a potential lifetime income of over £1.5 million, the value proposition becomes incredibly clear. It's not a cost; it's a small investment to safeguard your entire financial world.
Choosing the Right Policy: Your WeCovr Checklist
Securing the right IP policy is vital. Get it wrong, and you could be left with a false sense of security. Here’s a checklist to guide you.
✅ 1. Assess Your Essential Outgoings: Calculate exactly how much you need each month to cover your mortgage/rent, bills, food, and other non-negotiables. This is your target benefit amount.
✅ 2. Check Your Employer's Sickness Policy: Find out precisely what your employer offers. How long do they pay you in full? When does it drop to half-pay or just SSP? This will determine your ideal deferred period.
✅ 3. Insist on 'Own Occupation' Cover: For the vast majority of professionals, this is non-negotiable. It ensures you are protected if you can't do your specific job, not just any job.
✅ 4. Prioritise a 'Full Term' Payout: While short-term policies are cheaper, they leave you exposed to a career-ending illness. A full-term policy that pays until retirement offers the ultimate protection.
✅ 5. Opt for Guaranteed Premiums: This locks in your premium for the life of the policy (unless you increase your cover). It protects you from future price hikes and makes budgeting simple.
✅ 6. Consider Indexation (Inflation-Proofing): Choose a policy where the benefit amount increases annually with inflation (RPI or CPI). A £2,000 a month benefit today will be worth much less in 20 years. Indexation ensures your cover keeps its value.
✅ 7. Get Expert, Independent Advice: The IP market is complex, with dozens of providers all offering slightly different terms and definitions. This is where we come in. Navigating this alone can be daunting. At WeCovr, our expert advisors do the heavy lifting for you. We compare policies from across the market, from Aviva and Legal & General to The Exeter and LV=, explaining the jargon and helping you secure the most comprehensive protection for your circumstances.
And because we believe in holistic wellbeing, all our protection clients receive complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app, to support their health journey from day one.
The Bigger Picture: Modern Policies Offer More Than Just Money
Today's leading Income Protection policies are about more than just sending a cheque. Insurers have realised it's in everyone's best interest to help you get well and back to work if possible.
Many top-tier policies now include a suite of value-added benefits, often available from the day your policy starts, at no extra cost:
- Remote GP Services: 24/7 access to a UK-based GP via phone or video call for you and your family.
- Mental Health Support: Access to a set number of counselling or therapy sessions per year.
- Second Medical Opinion: If you're diagnosed with a serious condition, you can get your diagnosis and treatment plan reviewed by a world-leading expert.
- Rehabilitation and Back-to-Work Support: Insurers provide access to physiotherapists, occupational therapists, and career coaches to help facilitate a smooth and successful return to work.
These services provide immense value, offering immediate support and demonstrating that your insurer is a partner in your wellbeing.
Conclusion: Don't Be a Statistic – Secure Your Future Today
The Sickness Income Trap is real, and it's growing. By 2025, over 2.8 million people in the UK will be unable to work due to long-term illness, many falling into a financial chasm left by inadequate state support and misunderstood insurance policies.
Your ability to earn an income is the bedrock of your financial life, potentially worth millions of pounds over your career. Leaving it uninsured is a gamble no one can afford to lose. While Statutory Sick Pay is fleeting and Critical Illness Cover is specific, Income Protection provides the broad, ongoing financial shield you need to weather any health storm.
It covers you for the common afflictions like back pain and stress just as it does for more severe conditions. It provides a regular, tax-free income to keep your life on track, allowing you the most precious commodity of all when you're unwell: peace of mind.
The question isn't whether you can afford Income Protection. It's whether your family can afford for you to be without it.
Don't let an unexpected illness or injury derail your financial future. Don't become another statistic in the long-term sickness crisis. Take control, get informed, and build your financial shield today.
Speak to one of our friendly advisors at WeCovr for a free, no-obligation quote and discover how affordable peace of mind can be.
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:
Our Group Is Proud To Have Issued 900,000+ 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!