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Provider comparison · Updated May 2026
OUTsurance vs PPS
How OUTsurance and PPS compare on price, claims, products and rewards across the South African market.
OUTsurance edges PPS on customer rating.
| Feature | OUTsurance | PPS |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.7 |
| Average premium | R720/pm | R295/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Premium |
| Flagship product | OUTbonus | Sickness & Permanent Incapacity |
| Product range | Car, Home, Business, Life | Life, Sickness, Disability, Investments |
OUTsurance
You always get something OUT
Founded in 1998, OUTsurance is one of South Africa's most-recognised short-term insurers, famous for its OUTbonus and call-centre service model.
Strengths
- 24-hour claims turnaround
- OUTbonus cash-back after 3 claim-free years
- Strong call-centre
Trade-offs
- Fixed R4,000 excess on some products
- Limited online self-service
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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