Your earning ability protected – if you are still earning
PPS Sickness and Permanent Incapacity cover supports your income if illness or injury prevents you from working at full capacity.
What makes this cover different
Enhance your protection with optional benefits designed to support your family, earning ability and long-term financial well-being.
You do not need to stop earning to qualify.
Other income or cover does not lower your payout.
Choose between cover that stops when you turn 60, 65, 70 or that continues for as long as you continue to work.
Include bonuses as a salaried employee or include business expenses as a self-employed professional.
Because your ability to earn deserves protection
You have invested years into your profession. PPS Sickness Cover helps safeguard the income you have worked hard to build, giving you confidence that you are protected if illness prevents you from working.
How it works
Included with your cover – at no extra cost
Your cover includes a range of additional benefits designed to support you through illness, recovery and life’s unexpected challenges – at no additional cost.
Support when you need it most
Protection for your practice
Permanent Incapacity
Additional benefits available to PPS members
Enhance your protection with optional benefits designed to support your family, profession and long-term financial well-being.
Increases the payment of a Permanent Incapacity benefit to a non-reviewable 100% once a Permanent
Incapacity claim is approved.
Provides financial support if family responsibilities affect your ability to continue working in your profession.
Provides cover should you be admitted to hospital due to illness or injury, helping support you during recovery.
Your cover can deliver long-term value
As a PPS member, you may receive annual allocations to a PPS Profit-Share Account™, based on the performance of the PPS Group – whether you claim or not.
Why PPS for Sickness Cover
Built specifically for your earning potential.
Choose between benefits that start paying after you are booked off for seven or 30 days.
Travel, emigrate or progress in your career with confidence
Find the answers you are looking for
We have answered some of the most common questions to help you better understand this solution and make informed decisions with confidence.
Yes. Hazardous activities including scuba diving and motor racing are covered at no additional premium.
Yes, provided they are eligible PPS members with the relevant benefit cover. The benefit can cover up to 100% of their personal income and actual business expenses.
No. You only need to be unable to perform your professional duties – partially or totally. You do not need to have lost income.
You need to inform PPS and your cover remains in place provided your new occupation is eligible
Already a member? Submit a Sickness Cover claim.
No hospitalisation required. No income loss required. PPS makes the process straightforward.
Protect your ability to earn an income you spent years qualifying for.
Check if you qualify or speak to a PPS-accredited financial adviser today.
Not a qualifying professional? You may still be eligible through glu
