Critical illness cover offers financial protection against illnesses such as heart attack, cancer, stroke, and a wide variety of other listed critical illnesses. PPS also offers a number of ancillary critical illness benefits to supplement the standard critical illness cover.  

  • Critical Illness 100% cover elevates most payments to 100%
  • The child critical illness benefit is automatically included for a child of the PPS member
  • The Expander Rider benefit will expand the definition of lower severity conditions so that PPS will pay out a lump sum percentage (up to 25% of the sum assured with a maximum of R250,000.
  • And, of course, PPS members receive a direct profit allocation to their PPS Profit-Share accounts.

Over the years, advances in medical science mean that many people can survive a critical illness that once was thought of as fatal. Although many people may survive the critical illness,  many will require financial assistance. PPS critical Illness is ideal for providing cover for medical costs and shortfalls, lifestyle changes, special treatments, rehabilitation, and other unexpected expenses. With the PPS critical illness members can focus on their recovery rather than the expensive medical bills!

Isn’t it time you reviewed your PPS policy to make sure that you have all the up-to-date benefits.  We believe that good financial advice and a professional approach remain invaluable in assisting in your financial journey.  Call us today at 041-3730601 to review your PPS benefits.

Changing in Smoking Status

Premiums for PPS products may be paid on a smoking or non-smoking basis depending on the smoking status of the life insured.

If a smoker quits smoking, the life insured can apply for a non-smoking rate provided that:

  • The life assured undergoes a cotinine test at the time of applying for the non-smoking rate,
  • After a waiting period of twelve months a further cotinine test is undertaken,
  • The life assured may be obliged to undertake a further cotinine test at the time of making a claim.

A policyholder must inform PPS insurance in writing if the life assured starts smoking. PPS is entitled to review the terms of the life policy if the life insured starts smoking!

Book your free initial conversation
what is a retirement annuity

What is a Retirement Annuity? A Secure Way to Save for Your Future

Introduction to Retirement Annuities What is a retirement annuity? Planning for retirement is a crucial aspect of financial management. One avenue many individuals explore to secure their financial...
Read More
Monthly Newsletter – April 2023

Monthly Newsletter – April 2023

Grey-listing – What does it mean for South Africa? Over the past few months, we have received numerous enquiries about South Africa’s Grey- listing. We hope to provide some insight...
Read More
January 2022 – Monthly Newsletter

January 2022 – Monthly Newsletter

Taxes, Taxes, Taxes! On 4th January 2022, Acting Chief Justice Raymond Zondo released the Judicial Commission of Inquiry into State Capture Report Part 1. The Commission was set up to...
Read More