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Provider comparison · Updated May 2026

MiWay vs PPS

How MiWay and PPS compare on price, claims, products and rewards across the South African market.

PPS edges MiWay on customer rating.

FeatureMiWayPPS
Customer rating★ 4.4★ 4.7
Average premiumR640/pmR295/pm
Claims turnaround48h48h
Pricing tierMid-rangePremium
Flagship productMiHeroSickness & Permanent Incapacity
Product rangeCar, Home, Business, LifeLife, Sickness, Disability, Investments

MiWay

Direct, digital, on your side

MiWay is a Sanlam-owned direct insurer that competes on simple, digital-first short-term insurance for individuals and small businesses.

Strengths
  • Quick online quotes
  • Strong digital UX
  • Flexible excess
Trade-offs
  • Smaller branch footprint
  • Mixed customer service feedback

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