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Provider comparison · Updated May 2026
Santam vs PPS
How Santam and PPS compare on price, claims, products and rewards across the South African market.
PPS edges Santam on customer rating.
| Feature | Santam | PPS |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.7 |
| Average premium | R790/pm | R295/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Premium |
| Flagship product | Comprehensive Plus | Sickness & Permanent Incapacity |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Life, Sickness, Disability, Investments |
Santam
South Africa's largest short-term insurer
Santam is South Africa's largest short-term insurer with a 100+ year history, serving personal, commercial and agricultural markets.
Strengths
- Largest local insurer
- Extensive broker network
- Strong commercial offering
Trade-offs
- Slower digital experience
- Higher premiums on entry tier
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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