Intro Title
WHAT IS CRITICAL ILLNESS COVER AND WHY DO YOU NEED IT?
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.
Product Featured Title
Benefits and level premium options
WHATEVER STAGE IT IS, CANCER IS STILL CANCER
PPS Critical Illness Cover includes protection for low severity conditions such as early-stage cancers, including Group 1 prostate cancer and micro-carcinoma of the thyroid and bladder. Members have the flexibility to access funds for medical events that may not result in significant lifestyle changes. With reinstatement of cover, members may receive up to 200% of their cover amount. Following a claim for a cancer or cardiovascular condition, a second 100% payment may be available, subject to qualifying criteria.
LEVEL PREMIUMS OPTIONS
We offer a broader range of benefit options to support financial flexibility. Members can choose between age-related and level premiums, depending on their long-term planning needs. Level premiums allow for consistent payments throughout the duration of the policy, helping members manage affordability over time.
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Critical Illness Cover product features
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% to 100%.
Benefits Title
All options include great key benefits that automatically apply from day one
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 R250 000, per related condition.
Reinstatement of cover benefit for cancer and cardiovascular conditions
This means that these two claim categories could get up to 200% payment.
Optional benefits
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
When a critical illness is detected in its early stages, PPS provides meaningful financial support with a maximum payment of up to R250 000 across 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 four 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.
CatchAll benefit
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.
Conditions covered
