PPS Sickness and Permanent Incapacity benefit

At this stage, your claim will undergo an assessment for Permanent Incapacity, which may be classified as either partial or total based on the severity of your condition. You will receive detailed information regarding any additional requirements well in advance, specifically at the 550-day mark.

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• District, regional and provincial hospitals
• Private hospitals
• Spinal rehabilitation centres
• Hospitals specialising in infectious diseases
• Accredited rehabilitation step-down facilities (such as Life Rehab)
• Step-down institutions
• Frail-care facilities

Facilities specialising in alcohol and substance abuse rehabilitation.

You can claim if you are unable to carry out your usual professional duties because of sickness or injury.

Sickness Benefits are subject to either a 7-day or 30-day waiting period, depending on your policy. Please refer to your Policy Certificate to confirm which waiting period applies.

Yes. Claims may include weekends and public holidays.

There is no limit to the number of claims you may submit. However, claims for the same, consequential or related sickness condition are limited to 728 days.

Yes, pregnancy-related sickness claims are covered subject to a ten-month period applicable from the benefit start date and from any increase in cover and policy terms outlined in your PPS Provider Policy.

You may be eligible to submit a claim for partial Sick Pay benefit.