PPS SHORT-TERM INSURANCE PPS Short-Term Insurance consists of two divisions – one offering cover for vehicles, homes and businesses and the other professional indemnity insurance for members in medical professions. In this section of the Integrated Report, we will delve into the individual results of each division, highlighting their distinct focus areas. PPS Short-Term Insurance (Personal and commercial lines) PPS Short-Term Insurance is responsible for providing our members with intelligent short-term insurance solutions. Our holistic solutions include car, home and business insurance solutions that are carefully tailored to meet each member’s needs and to protect their businesses and assets. Our operational returns are – as is the case with those of other PPS subsidiaries and affiliates – shared through the PPS Profit-Share Account™ with members holding qualifying life-risk products. In alignment with PPS’s current five-year strategy, we also focus on providing a superior claims and service experience for members. We timeously process and pay all valid claims to support our members through some of the most difficult and challenging times in their lives. We believe in living our business mantra which is: “When you are at your worst, we deliver at our best”. We also offer a range of value-adding services that are meaningful to professionals, a self-service capability available via SMS that allows members to access various functions like amending their policies and submitting claims without having to download an app. In 2023, we enhanced our concierge services with the introduction of the PPS Cyber Assist Chatbot, which can answer queries members may have about cybercrime or cybersecurity incidents. Furthermore, we enhanced our Protect Me benefit, which is enabled through our partnership with Namola, a popular South African safety app. Policyholders have access to a range of GPSenabled security services, including advanced family monitoring, armed response and private ambulances, all provided as part of a complementary premium service. 39 Group performance
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