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Provider comparison · Updated May 2026
Discovery Insure vs PPS
How Discovery Insure and PPS compare on price, claims, products and rewards across the South African market.
Discovery Insure and PPS are evenly matched on customer rating.
| Feature | Discovery Insure | PPS |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.7 |
| Average premium | R680/pm | R295/pm |
| Claims turnaround | 48h | 48h |
| Pricing tier | Premium | Premium |
| Flagship product | Vitality Drive | Sickness & Permanent Incapacity |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Life, Sickness, Disability, Investments |
Discovery Insure
Behaviour-based rewards & telematics
Part of the Discovery Group, Discovery Insure pioneered shared-value insurance in South Africa, rewarding safer driving and healthier living through Vitality.
Strengths
- Vitality fuel cash-back up to 25%
- Strong claims technology
- Unlimited roadside
Trade-offs
- Higher entry-level pricing
- Best value requires app engagement
PPS
Mutual society for graduate professionals
PPS is a member-owned mutual financial services group serving graduate professionals in South Africa, sharing all profits with its members.
Strengths
- Profit-share to members
- Specialist sickness cover
- Strong professional community
Trade-offs
- Graduate professionals only
- Niche eligibility
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