 After this point the borrower must find other means to repay the debt, although some policies repay the debt in full if you are unable to return to work or are diagnosed with a critical illness.The period covered by insurance is typically long enough for most people to start working again and earn enough to service their debt.PPI is different from other types of insurance such as home insurance, in that it can be quite difficult to determine if it is right for a person or not.