There are many differences between income protection and PPI. PPI is a policy designed to cover the repayments of a single loan in the event you leave work due to illness or injury, lasts 12-24 months and has a list of excluded illnesses that could stop the policy from paying out.
Income Protection on the other hand is a policy designed to pay 70% of your monthly earnings tax free directly to you in the event you leave work due to illness or injury. This income cover lasts for as long as you need it, whether you return to work, claim until your policy ends or you retire, and has full up-front medical underwriting to cover several circumstances. This means that unlike PPI, Income Protection is designed to work for you, and only you.