PPS is a mutual medical insurance provider owned by its members. As a member, policyholders have a savings account called a Surplus Rebate Account from annual returns. PPS offers sickness, hospital, permanent incapacity, and occupational benefits. Coverage amounts are based on a member's personal income and occupation. PPS also provides life, disability, health, and accidental death products for individuals and business owners.

1. UNIQUE FEATURES

2. MUTUALITY AND PPS
PPS is based on mutuality principles. This means that there are no external shareholders. You
are not merely seen as a client – as a PPS Provider™ policyholder you become a member
PPS MEMBERSHIP
Profmed
members
Account
SURPLUS REBATE ACCOUNT (SRA)
WHAT IS THE SRA?
are PPS ProviderTM
FEATURES
the SRA
1

3. DECLARED ANNUAL INCREASES
Year PPS Annual Increase
SICKNESS BENEFIT
personal income
THE PPS CLAIMS
PROCESS FOR SICKNESS
by a medical doctor.

4. HOSPITAL BENEFIT
Sickness R1 000 X 31 days x 2 months = R62 000
Hospital R1 000 X 31 days x 1 month = R31 000
Total Benefit Received R93 000
P E R M A N E N T I N C A PAC I T Y
BENEFIT
incapacity determination
personal income
O CC U PAT I O N S P E C I F I C R I D E R
BENEFIT (OSRB)

5. T H E P P S O C C U PAT I O N A L
ASSESSMENT METHOD
parameters only
occupation
PPS PROFESSIONAL LIFE
PROVIDER™
acceptance)
TM
>
PPS PROFESSIONAL DISABILITY
PROVIDER™
reassurance acceptance)

6. PPS PROFESSIONAL HE ALTH
PROVIDER™
sum assured is reached
PPS ACCIDENTAL DE ATH
PRODUCT
on his PPS Professional Life ProviderTM.
STUDENT MEMBERSHIP
TM
amount)
>

7. of student policy inception
Units)
cover amount)
> Accelerated PPS Professional Health ProviderTM (can be increased by up to
°
°
PPS BUSINESS PROVIDER™
companies
°
> Accelerated Business Health Provider
°
acceptance)
TM

8. pps.co.za