Vulnerability can come in many unique forms such as illness, age, loss of income, changes in community, family and or personal circumstance as well as other factors such as disability, financial distress, language barriers, literacy barriers, mental health, and the loss of a loved one.
We understand that personal hardships can affect various aspects of your life. In addition to financial assistance, we are committed to providing resources and referrals to support services that can help you cope with emotional, mental, or physical challenges.
Our compassionate team will take the time to listen and understand your unique circumstances, ensuring that our support is tailored to your specific needs. We strive to provide a safe and supportive environment for you to discuss your challenges.
Our priority is to help you navigate through financial and personal hardships effectively.
We understand that financial and personal hardships can affect various aspects of your life and we are committed to providing resources and referrals to support services that can help you cope with emotional, mental, or physical challenges. In addition, our PPS Mutual Business Support team are dedicated to working with customers who need additional assistance.
We encourage you (or your representative) to tell us of any extra care you may need or vulnerability you may have and we can arrange support and help you to access our services.
If you need support to meet verification and identification requirements at claim time, we will take reasonable steps to support you. To assist us you may also wish to let us know of your background and circumstances such as if you are from an Aboriginal or Torres Strait Islander community, a non-English speaking background or impacted by domestic family violence.
Whether it's counselling services, community resources, or educational programs, we are here to guide you towards the appropriate help you may need.
Here is some helpful information on how we can support you and the services we offer:
Find out about the support we can offer you through our
Family and Domestic Violence Policy
If you need translation and interpreter Services, please contact
If you have a hearing or speech impairment, you can visit
National Relay Service
Voice Relay number
1300 555 727
TTY number
133 677
PPS Mutual has a specialist team dedicated to the care and support of our Members.
We have policies and procedures to assist you if you are experiencing financial hardship
Contact our Business Support Team to discuss your options.
02 8292 2998
There are also a range of free external support services available to all Australians facing challenging personal circumstances and in need of help.
No matter your situation, please don’t hesitate to reach out to the following organisations and always call 000 if you or your family are in immediate danger.
Your privacy and confidentiality are of utmost importance to us. We ensure that all personal and financial information you share with us remains secure and confidential. You can trust that your privacy will be respected throughout our interactions, fostering a safe environment where you can openly discuss your concerns without hesitation.
In order to help you, your information may be recorded so that we can arrange the appropriate support as well as keep a record of any ongoing assistance you may need.
Please visit our privacy page for more information on how we collect, store, and use your information.
Your HIV status alone is unlikely to hinder you from obtaining cover.
As part of your application for Professional Choice, we assess your HIV status along with your overall health, medical history (including family history), occupation, income, lifestyle, pastimes and current and past insurance.
Depending on the outcome of our assessment, we may offer you cover (including revised cover with exclusions and/or loadings) or, in some cases, we may not be able to offer you cover at all.
When taking out Professional Choice, you must answer the questions we ask honestly and truthfully, taking reasonable care not to make a misrepresentation.
This includes details about your HIV diagnosis, treatment plan, viral load, and any related conditions.
We may request a medical report from your doctor, which could include your CD4 count, viral load, and other blood test results. If your test results are outdated, we may ask you to provide updated results.
Any questions we ask you about your HIV status will be done in a sensitive manner.
We will never ask questions about your sexual preference and practices for the purposes of determining your risk of contracting a sexually transmitted infection (STI), including HIV.
Our Trauma Insurance and Child Insurance provides a lump sum payment if you’re diagnosed with medically acquired HIV – contracted through specified procedures or occupationally acquired HIV, as described in the product disclosure statement.
No payment will be made for medically acquired HIV – contracted through specified procedures if:
No payment will be made for occupationally acquired HIV, if:
If you are HIV-positive before your plan starts, medically acquired HIV – contracted through specified procedures or occupationally acquired HIV related claims would be excluded from your Trauma Insurance and Child Insurance, but you may still be covered if you’re diagnosed with other critical illnesses.
Child Insurance only includes medically acquired HIV – contracted through specified procedures and does not include occupationally acquired HIV.
Our Blood Borne Disease Insurance cover provides a lump sum payment if you’re a medical professional who becomes infected with HIV as a result of an accident during the course of your regular occupation, as described in the product disclosure statement.
No payment will be made for Blood Borne Disease Insurance if:
If you are HIV-positive before your plan starts, HIV-related claims will be excluded from your Blood Borne Disease Insurance, but you may still be covered if you’re infected with Hepatitis B or Hepatitis C as a result of an accident during the course of your regular occupation.
Our Medical Professionals Benefit (available under Income Protection Select and Income Protection Prime 70), provides a monthly benefit if your HIV status requires you to cease performing exposure-prone procedures, as described in the product disclosure statement.
No payment will be made for the Medical Professionals Benefit if:
If you are HIV-positive before your plan starts, HIV related claims will be excluded from your Medical Professionals Benefit, but you may still be covered if your Hepatitis B or Hepatitis C status requires you to cease performing exposure prone procedures.
For more information, please refer to https://cali.org.au/life-code/ or contact your financial adviser.