PPS Critical Illness Cover – A Disgrace to the Term “Professional”!

PPS has shown me, in the most painful and ********* way, that their so-called Critical Illness Cover is nothing more than a money-making ****. They are quick to take your premiums every single month, but when you need them the most — when you actually claim — they will dig for every excuse to avoid paying.

My experience has been nothing short of traumatic. After submitting a legitimate claim, I was met with months of stalling, endless back-and-forths, and demands for medical records that were completely irrelevant to the claim. They went as far as requesting deeply personal history that had absolutely nothing to do with my policy — crossing the line both ethically and professionally.

Despite multiple doctors submitting their expert reports and explaining my condition in detail, PPS decided to ignore medical professionals and rather try to build a case based on old, unrelated information.

And after all of that? They had the audacity to retroactively cancel my policy, claiming they would have never approved it in the first place — only after I had submitted my claim and after months of silence. If this is not a clear example of bad faith insurance, I don’t know what is.

This is how PPS operates: • Take your money for months or years. • Deny your claim when you need them. • Blame you for not disclosing things that are irrelevant or had no bearing on the claim. • Then cancel your policy as if it never existed.

They pretend to be “for professionals,” but no professional should be treated this way. Their process lacks compassion, integrity, transparency, and fairness. This is not a company you can trust in your time of need — in fact, they will add to your stress and suffering.

I am escalating this to the Ombudsman and will not stop until this matter is properly addressed. PPS must be held accountable for the way they treat their members. This entire experience has been manipulative, *********, and emotionally damaging.

If you are considering Critical Illness Cover with PPS — RUN. This is not protection. It’s a trap. I’ve seen many reviews about the unprofessional service they give, but chose to ignore it and take up the policy with them. They are a total **** and should not be trusted at all.