Indemnity Sub Title
Sustainable Indemnity Protection
PPS Health Professions Indemnity was developed in response to the challenges South African health professionals face, from the aggressive litigation landscape to rising professional indemnity costs. In designing this solution, we chose to partner with ProAssurance Corporation, one of America’s leading experts in medical professions indemnity, with a reputation built in the most litigious nation in the world.
Indemnity Video Title
PPS Health Professions Indemnity is founded on three principles:
1. Financial Security
2. Sustainable Quality Indemnity
3. Active Engagement
Reputable Brand
PPS is well-known to health professionals, with approximately 150 000 existing members
Mutuality
With mutuality, all profits and investment returns generated by the PPS Group are allocated to PPS members with qualifying products
Sustainables Security
This can be seen in the strength of the PPS Group balance sheet and involvement of global strategic partners
Engagement
Treating Customers Fairly underpins how we engage with health professionals across all our activities
Active Participation
We're not just a product provider, but an active participant in improving the working environment for health professionals
Transparency
We fully disclose our portfolio performance and what drives our risk-based premiums
Indemnity Product Title
The Product
The ProAssurance Corporation has been designed for the South African health professional while capitalising on the intellectual property of our global business partner. It contains innovative product features that provide security to health professionals and allow them to focus on their clinical practice, safe in the knowledge that their indemnity needs are well covered.
CLAIMS MADE
INSURANCE
While our insurance predominantly provides indemnity for incidents that occur while your policy is in place, it does provide contract certainty with regard to run-off cover after the termination of your policy.
REGULATED CONTRACT OF INSURANCE
An added security for professionals, enabling them to approach South African legal and regulatory structures in the event of non-performance.
24/7 MEDICO-LEGAL ADVICE
Access to professional medico-legal advice without affecting your risk profile.
QUALITY
COVERAGE
Comprehensive cover against liability stemming from your clinical practice.
EXTENDED
COVER
Our cover extends to locums and your other non-professional employees at no extra cost. We also cover group practices with additional benefits not available anywhere else.
GAP IN COVER PROTECTION
If you had uninterrupted indemnity cover on joining us, we will cover valid claims for incidents that occurred prior to the inception of your policy. If your cover expires or is cancelled you are entitled to an extension thereafter, during which you can still claim.
Indemnity Philosophy Title
Our Indemnity Philosophy
Our philosophy when it comes to the treatment of reported incidents is founded on the principle of fair treatment for all stakeholders. We appreciate the impact incidents have on the wellbeing of our insured professionals and the need for an effective and efficient defence.
INSURED PROFESSIONAL REMAINS IN CONTROL
USE OF CLINICAL EXPERTISE TO ASSESS MERIT AND DETERMINE STRATEGY
ALTERNATIVE DISPUTE RESOLUTION
NO SETTLEMENT WITHOUT YOUR CONSENT
LEADING DEFENCE LAWYERS
Indemnity Commitment Title
Our Commitment To Transparency
We are constituting advisory forums with membership from various stakeholder groups to advise us in managing the performance of the PPS Health Professions Indemnity portfolio.
REVIEW PORTFOLIO PERFORMANCE
STAKEHOLDER ENGAGEMENT AND LOBBYING
PROVIDE CLINICAL GUIDANCE TO PPS
OPEN LINES OF COMMUNICATION WITH HEALTH PROFESSIONALS
ANALYSIS OF TRENDS AND FORMULATING RESPONSES
Indemnity Application Cards Title
Application Process
1. APPLICATION FORM
Complete the web-based Application form to capture details relating to you and your practice of medicine
For dentists we also require the completion of a short supplementary application form specific to your dental clinical practice. This form can be downloaded here, and once completed can be uploaded using the file upload functionality on the insurance related section of the online application form.
2. UNDERWRITING
The information supplied and our underwriting guidelines will be used to underwrite the clinical risk presented.
3. QUOTE
Your personalised quote for indemnity insurance will be provided for your consideration.
4. ACCEPTANCE
Should our quotation meet your requirements, you can accept the quote and complete the necessary debit order instruction after which your policy will be issued and put in force.
PPS Health Professions Indemnity is underwritten by PPS Health Professions Solutions, a division of Professional Provident Society Short-Term Insurance Company Limited, an Authorised Financial Services Provider, License No. 46274. © 2019. All rights reserved.
