The following information is a guide on "how to claim" and does not replace the PPS Sickness and Permanent Incapacity Policy document which contains all the terms and conditions applicable to claims.
Sickness and Permanent Incapacity
When can I claim for the sickness cover under this benefit?
Admission benefits - do I need to be sick and unable to perform my usual occupational duties due to that sickness for a total consecutive period of 7 days or more to claim Admission benefits?
Are exclusions applicable to the hospital benefit?
What is required for me to submit a claim?
What are Standard Recovery days?
What happens if my claim period is longer than the Standard Recovery time?
Why would additional information be required?
Special protocol for certain medical conditions:
Where do I send my claim forms to?
How long will it take for my claim to be assessed?
Is there a limit to the number of claims I can submit?
How much will I be paid?
What will be paid out if I am in hospital?
Which hospitals are covered?
Will I get paid if my child or spouse is hospitalised?
What is meant by ‘partial’ incapacity?
What are my 'usual professional duties'?
What is Gross Professional Income (GPI) and how does this affect my claim?
What happens if I need to claim for a number of months? What information will PPS require?
Can I claim for public holidays and weekends?