PPS For Professionals

Intro Title
Your income is your greatest asset

The PPS Sickness and Permanent Incapacity Benefit is designed to replace or supplement your monthly income. When you become totally or partially unable to work at any time during your career due to sickness or injury, PPS will cover you.

Choose your premium

Choose between premiums that remain the same, or that escalate following your birthdays, for the duration of your benefits.

 

Choose 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 waiting period

Choose between benefits that start paying after you are booked off for 7 days, or 30 days.

Cover total earnings

Include bonuses as a salaried employee, or include business expenses as a self-employed professional.

Access to profit share

Direct profit allocation to the PPS Profit-Share Account

Benefits Title

All options include great key benefits that automatically apply from day one

 

Product Benefit1

Sickness and Actual Business Expense Benefit

When you suffer from an illness or medical condition, we cover you for up to two years while you:
- recover
- adjust your usual professional duties 
- change your work methods

Product Benefit2

Sickness cover for pregnancy complications

This applies if you are diagnosed with, and meet, the claims criteria of one of the listed pregnancy complication conditions, or if you're hospitalised for four or more or days as a result of any pregnancy related medical complication

Product Benefit3

Permanent Incapacity

After a sickness claim has been paid for an accumulated 728 days, and you are still totally or partially unable to attend to your usual professional duties, the Permanent Incapacity Benefit will kick in.

 

 

Additional benefits

Additional Benefit 1

Hospital benefit

After a sickness claim has been paid for an accumulated 728 days, and you are still totally or partially unable to attend to your usual professional duties, the Permanent Incapacity will kick in.

Additional Benefit 2

Permanent incapacity booster

This benefit automatically increases a partial Permanent Incapacity award to 100%. The monthly payment will never be reviewed by PPS, and is payable until you reach the chosen retirement age.​​​

Additional Benefit 3

Family responsibility rider benefit

Take time off work when family members are hospitalised or use funds to cover additional non-medical costs due to the hospitalisation of a family member.

Additional Benefit 4

Admission rider benefit 

Provides funds to cover non-medical expenses if you are hospitalised for four or more days and unable to attend to your usual professional duties.

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