Critical Illness Cover is designed to ease the financial pressures of suffering from a severe illness, by paying a lump sum amount if you are diagnosed with, and survive, a life altering illness such as cancer, heart attack, stroke, multiple sclerosis or Parkinson’s disease.
Financial stress can contribute to or exacerbate your diagnosis.
Critical Illness Cover helps to alleviate the financial stress, so that you can focus on managing your illness. At a time like this, we want you to focus all your energies on getting better.
At PPS, we have improved and enhanced our Critical Illness Cover offering to keep pace with the continuously evolving world of medicine and ensure that we provide our members with relevant and effective cover. We have enhanced our base definitions for both existing and new members, without a change in premiums or rates. We believe in giving our members choice and flexibility, and have three options that members may select from, depending on the type and level of cover required. The benefit pays out a lump-sum amount depending on the severity of the condition and benefit option, payment ranges from 5% – 100%.
All options include great key benefits that automatically apply from day one.
Child critical illness benefits
Automatically covers the member’s children from birth to 21 years for all conditions covered under the product and pays 10%, up to R 250 000, per related condition.
Reinstatement of cover benefit for cancer and cardiovascular conditions
This means that these 2 claims categories could get up to 200% payment.
EXACT rider benefit
In the event that a PPS member suffers from cancer and receives a claim payout from the main Critical Illness Cover, the EXACT Rider benefit will pay an additional lump sum if the cancer proves to be susceptible to targeted therapy treatment (as indicated by specific laboratory tests).
EXPANDER rider benefit
Should you detect a Critical Illness early in its development, PPS now offers real value with a maximum payment of up to R250 000 under all Critical Illness categories, depending on the severity of the condition.
CI 100% Cover
Covers most listed conditions at 100% regardless of severity level.
CORE 100% Cover
Covers the 4 most common conditions at 100%, regardless of the severity level. Cancer, Heart Attack, Stroke and Coronary Artery Bypass Graft. All other listed conditions are paid on a tiered basis, depending on the severity of the condition
Adds a benefit category covering any severe condition not covered under the listed categories. The benefit is payable at 25%, 50% or 100%, depending on the member's inability to do activities of daily living.