Some insurers come with pitfalls, conditions and caveats that make it harder to truly rely on your cover. At PPS, we pride
ourselves on doing things very differently. The PPS Sickness and Permanent Incapacity benefit automatically qualifies members
for a notional PPS Profit-Share Account™ and is wholly tailored to graduate professionals’ highly specific lifestyles and needs.
Enjoy peace of mind with PPS, knowing your earning ability is taken care of.
Choose your premium
Choose between a steady premium or one that increases every year on your birthday, for the duration of your benefits.
Choose your period of cover
Choose between cover that stops when you turn 60, 65, 70 or that continues for as long as you continue to work.
Choose your waiting period
Choose between benefits that start paying after you are booked off for seven or 30 days.
Cover your total earnings
Include bonuses as a salaried employee or include business expenses as a self-employed professional.
Access to Profit-Share
* These products qualify for direct allocations to the notional PPS Profit-Share Account™.
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All options include great key benefits that automatically apply from day one
Pregnancy-Related Sick Pay benefit (automatically included)
This breakthrough benefit for PPS members was born of research and insight into the complications our members might face during their pregnancy. The standout factor is that if a member is unable to attend to her usual duties due to sickness or a complication attributable to pregnancy, childbirth or miscarriage, PPS will pay this sickness benefit. This ensures that a member is not disadvantaged at a time when she is most vulnerable.
Sickness and Actual Business Expenses benefit
Should you suffer from an illness or medical condition, we cover you for up to 728 days (two years) while you:
- recover
- adjust your usual professional duties
- change your work methods
Permanent Incapacity benefit
After a sickness claim has been paid for an accumulated 728 days (two years) and you are still totally or partially unable to attend to your usual professional duties, the Permanent Incapacity benefit will kick in.
NOTE: The sickness must meet the normal claims criteria i.e., it must be medically justified, the member’s benefit waiting periods (for both the Sickness and the Admission Rider benefits) apply and must be confirmed by a gynaecologist/obstetrician.
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Additional benefits
Permanent Incapacity booster
Family Responsibility Rider benefit
Admission Rider benefit
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Share in the profits with PPS
Unlike a company listed on the stock exchange, PPS is owned by its members—not clients—and operates on the principle of mutuality. Eligible life insurance members can exclusively share in PPS Group profits through the unique PPS Profit-Share Account.
Try our Profit-Share Projection widget to discover how much your profit share could be worth at retirement.
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What some of our members have to say
Not only does the PPS Sickness and Permanent Incapacity benefit pay out even if you are still earning an income, it offers a waiting period as short as seven days. Here is how some of our members have benefited:
JB Erasmus
When Rassie's illness left him with lung damage, he could no longer continue with his chosen profession.
Karian Shoeman
Losing her voice meant that Karien was also in danger of losing her income
Leon Visser
When Leon lost three fingers in an accident, he knew his life would change forever.
Liane Heymans
When Liane was paralysed in an accident at the age of 25, her ability to support herself was in doubt.
Vaughan Rimbault
Vaughan understood his career had risks, so he made sure his income was covered in case of an accident.
Varsha Padayachee
Severe clinical burns caused physical as well as emotional trauma for Varsha, but she overcame this setback.
