Insurance for professionals

At PPS Mutual, we focus on a defined group of professionals – people in roles that require specialist knowledge and expertise. That focus shapes our insurance products, which are designed specifically for professionals.

Our products are available exclusively to those professionals who meet our eligibility criteria and their spouses, dependant children and key business associates. To learn more about eligibility and how to become a member, please click on the button below.

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Our products

  • Life Cover

    Life Cover provides a lump sum payment to the policy owner if you die or are diagnosed with a terminal illness.

    Whether it’s paying off debts, securing your family’s future, or ensuring the continuity of your practice, you can rely on PPS Mutual Professionals’ Choice Life Cover as part of your protection plan.

  • Terminal Illness Cover

    Our Terminal Illness Cover provides a lump sum payment if you're diagnosed with a terminal illness, which can give you the financial freedom to focus on what truly matters - spending time with your family, covering medical and other expenses, and making important decisions about the future.

  • Income Protection Cover

    We recognise that your professional career is more than a job – it’s a vocation.

    Our Income Protection Cover helps to replace your income if you’re unable to work in your full capacity due to illness or injury, helping to give you financial stability while you focus on recovery. With flexible options and tailored benefits designed to help with your recovery, PPS Mutual’s Professionals’ Choice Income Protection Cover can help you return to your career with confidence.

  • Key Person Protector Cover

    Replacing professional staff at short notice can be difficult and costly.

    PPS Mutual’s Key Person Protector Cover is designed to support professional practices replace lost revenue or recruit locum staff if a key person within their business is unable to work due to illness or injury.

    We also cover practical return-to-work support services, including rehabilitation, specialised equipment, and office modifications to help with recovery. It’s a tailored solution that recognises the unique value of your people and helps to ensure your business remains resilient through uncertainty.

  • Trauma Cover

    Trauma Cover provides you with financial flexibility to help you focus on your recovery following a serious health event, such as cancer, heart attack, or stroke.

    Our Trauma Cover offers financial protection across a comprehensive range of serious illnesses and injuries, including an optional benefit which provides partial payments for early-stage conditions.

  • Total and Permanent Disablement Cover

    Total and Permanent Disablement Cover can provide financial support if you are unlikely to ever return to your profession due to serious illness or injury.

    Our Total and Permanent Disablement Cover provides a lump sum claim payment that can be used to support your recovery, replace lost income, or to aid in your transition to a new career or vocation.

  • General Terms and Conditions and Provisional Cover

    The General Terms and Conditions are a key part of our agreement with you. They explain how your policy works and what you can expect from PPS Mutual, as well as your responsibilities as a policy owner. The General Terms and Conditions cover things such as how to make a claim, sum insured options, how premiums are calculated, your duty of disclosure and defined terms used in PPS Mutual Professionals’ Choice policy wordings.

    Provisional Cover commences when you submit an insurance application to PPS Mutual. Provisional Cover provides free, limited insurance for up to 90 days while your application is being assessed.