I am a medical doctor practising emergency medicine and a member of PPS. I have been a PPS member since graduation in 1995.
In June 2013 I found myself unable to walk and so consequently unable to work. My diagnosis was delayed until March 2014 and PPS refused to pay my sickness claim because the evidence was "contradictory".
If you are interested in reading the full story you can do so here.
If you are a PPS member and you have sickness and disability cover and you believe you will be covered if your diagnosis is delayed or you are misdiagnosed you are mistaken because PPS Will Not Pay You! You will see your savings disappear and you will find yourself selling off sundry items because of a lack of income.
PPS has broken faith with me. So, I am understandably biased, but this is a consequence of direct experience.