Welcome to the GREEN CUSHION
range of personal insurances from
Gooseberry Green Insurance Services, GGIS.

GGIS is about delivering high quality, no-nonsense personal insurance covers to individuals in a green, eco-friendly way. Our GREEN CUSHION products are true to their name:

GREEN because…

  • the whole process from quotation to policy is very simple, quick and completely paper-free
  • at GGIS we run our business to minimise our carbon footprint in every way possible
  • uniquely, we include a verified CARBON OFFSET with every policy – click on Bertie Gooseberry to find out how it works, and how you help to protect the planet.

CUSHION because…

  • our policies provide cash which will cushion the financial impact of health problems
  • the cover you get from our policies provides peace of mind which will cushion natural anxiety about the unpredictable future.

With our GREEN CUSHION personal insurances our goal is to simplify health-related insurance to allow you to make your own decisions and purchase the crucial protection products that we feel everyone should have.

Our long experience tells us how difficult it can be to get insured. But something so important should be accessible to everyone.

We want to change how the UK views medical insurance and want you to be the proud possessor of honest insurance protection that always puts your well-being first.

Take a look at the policies yourself - 
they really are as good as they seem

Green Cushion Sick Pay Insurance

When you are out of work expenses add up quickly. In fact, the average UK household would need to find £484 per week! That’s why we pay you cash quickly so that you can forget about the bills and focus on getting better and getting back to work.

What is the benefit & cost?
The Sick Pay provides a maximum monthly income up to £1000, £1,500, £2,000 for up to six months if you are unable to work for longer than 30 days as a result of ill health or an accident. The maximum monthly benefit cannot exceed 85% of your gross monthly salary.
Level Monthly Benefit Benefit Contribution, payable for up to 6 months Maximum benefit amount Monthly Premium
1 £1,000 Up to £1,000 per month or 85% of your gross monthly salary, whichever is the lesser Up to £12,000 £20.85
2 £1,500 Up to £1,500 per month or 85% of your gross monthly salary, whichever is the lesser Up to £9,000 £28.98
3 £2,000 Up to £2,000 per month or 85% of your gross monthly salary, whichever is the lesser Up to £6,000 £38.66
10% admin fee is included in the monthly premium. This fee does not apply if you choose to pay annually

You can choose from our three levels of benefit and the cost is the same regardless of age, lifestyle, income or occupation. This benefit is paid out after you have been off work for more than 30 consecutive days as a result of sickness or injury.

Are you eligible?

You must be:

  • aged between 18-61 years old (renewable to 68 years old)
  • a permanent UK resident
  • actively working 16 hours or more a week

That’s it! Both employed and self-employed people are eligible.

Why Choose our Sick Pay?

  • no complicated health questions to answer
  • no loading on premiums even if you claim
  • no up-front GP reports to request
  • application can be set up within minutes
  • you can add your partner to the policy

Green Cushion Combined
Life and Critical Illness cover

Death and critical illness are things we don’t like thinking about. What’s more, buying Life and Critical Illness insurance can be such a palaver, with long and complicated application forms, medical checkups, phone calls and letters backwards and forwards, and so on…

No up-front medical questions asked – guaranteed acceptance

GREEN CUSHION Life and Critical Illness insurance from GGIS simplifies the whole process and enables you to buy the cover you need in one straightforward online process, with no paper involved. This new exciting product is offered on a moratorium underwriting basis – explained below – which means that no medical questions need to be asked at point of sale.

Are you eligible?

You must be:

  • aged between 18-61 years old (renewable to 68 years old)
  • a permanent UK resident

That’s it!
Both employed and self-employed people are eligible.

What is the benefit & cost?

The Life Cover benefit provides a guaranteed cash sum up to a maximum amount of £100,000 if you die during the term of cover. The Critical Illness Cover benefit provides a guaranteed cash sum up to a maximum amount of £50,000 in the event that you suffer one of the following specified critical illness conditions, and survive for at least 28 days:

Bacterial Meningitis – Cancer- Coronary artery by-pass grafts, Heart Attack, Kidney Failure, Major Organ Transplant, Multiple Sclerosis and Stroke

In the event of a Critical Illness claim the Life sum assured will be reduced. The Critical Illness lump sum will be deducted from the Life sum assured. The remaining sum assured will be paid out to you in the event of your death during the lifetime of the policy.

Costs

Pricing Table – single Rates Only
Current Age Policy life Benefit Policy critical Illness Benefit Monthly Premium Non Smoker Monthly Premium Smoker
Level 1
18-50 £100,000 £50,000 £49.92 £101.60
51-55 £100,000 £25,000 £87.58 £185.04
56-61 £50,000 £25,000 £72.05 £232.83
62-68 £50,000 £0 £34.65 £171.23
Level 2
18-50 £50,000 £25.000 £24.96 £50.80
51-55 £50,000 £12.500 £43.79 £92.52
56-61 £25,000 £12.500 £36.03 £116.41
62-68 £25,000 £0 £17.33 £85.61
Per Child
(max of 4)
£5,000 £0 10% premium loading 10% premium loading
10% admin fee is included in the monthly premium. This fee does not apply if you choose to pay annually

HOW IT WORKS – Example Cases

B) A Policyholder aged 25 takes out £100,000 Life Cover. The policyholder makes a Critical Illness claim and a lump sum of £50,000 is paid out. The Life Cover lump sum is thus reduced to £50,000 which would be paid out in the event of the policyholder’s subsequent death during the period of the policy.

B) Policyholder aged 52 takes out £50,000 Life Cover. The policyholder makes a Critical Illness claim, and a lump sum of £12,500 is paid out. The Life Cover lump sum is thus reduced to £37,500 which would be paid out in the event of the policyholder’s subsequent death during the period of the policy.

C) Policyholder aged 56 has £50,000 Life Cover. The policyholder does not make a critical illness claim during the period of the policy. The policyholder dies during the period of the policy and a lump sum of £50,000 is paid out to the insured’s estate.

THINGS YOU SHOULD KNOW…..

  • Acceptance is guaranteed even if you have previously been declined or restricted cover.
  • Premiums are fixed for 5 years from the start date of the policy.
  • No medical history is requested upfront, only upon claiming.
  • Life Cover benefit is renewable up to the age of 68.
  • Critical Illness benefit is renewable up to the age of 61.
  • If you are aged over 55 at time of death then we will only pay up to a maximum lump sum benefit of 50% of the sum assured.

Moratorium Underwriting Explained: There is an exclusion of any claim that arises out of any medical condition that existed (including treatment, monitoring, referral, consultations or whilst undergoing tests) in the 3-year period prior to the start date of your policy. This exclusion will not apply if you remain symptom-free and do not need to seek treatment or medical advice relating to the medical condition for a continuous period of 24 months after the start date of the policy.

Please see the Life & Critical Illness insurance Policy Document for a full explanation of conditions and exclusions.

Green Cushion Life Insurance

The Green Cushion life insurance policy pays out a lump sum to your loved ones if you die. If you have children or other people relying on you financially, it’s important to think about their future and how they’d cope financially if you weren’t around.

Our life insurance pay-out could be used by your loved ones to:

  • pay off a mortgage
  • replace an income
  • pay for childcare or education costs
  • maintain their current standard of living

In the event of your death, Green Cushion life insurance pays up to £100,000 tax-free to your beneficiaries. Don’t worry if you have been declined Life Cover in the past -we offer guaranteed acceptance regardless of your lifestyle or any previous medical problems. On top of this, your premium will be fixed for 5 years and you can apply for cover and be accepted within minutes!

Don’t put it off any longer and protect yourself and your loved ones today.

The Life Cover plan provides a guaranteed cash sum up to £100,000
if you die during the term of cover.

Interested in combining Life insurance and Critical Illness cover in one policy?
The Green Cushion range can offer you this in a unique and cost-effective way.
Please CLICK HERE for more information.

Life cover pricing

Pricing Table – single Rates Only
Current Age Policy Benefit Monthly Premium Non Smoker Monthly Premium Smoker
Level 1
18-50 £100,00 £19.12 £46.60
50-55 £100,000 £50.18 £123.44
56-61 £50,000 £34.66 £171.22
Level 2
18-50 £50,000 £9.56 £23.30
51-55 £50,000 £25.09 £61.72
56-61 £25,000 £17.33 £85.61
Per Child
(max of 4)
£5,000 10% premium loading 10% premium loading
10% admin fee is included in the monthly premium. This fee does not apply if you choose to pay annually

A 10% admin fee is included in the monthly premium. This fee is not applied if you choose to pay annually. If you choose to pay annually via credit card there will be a 4% credit card charge applied. There is no charge for direct debit payments.

Are you eligible?

Are you eligible?

  • Aged between 18-61 years.
  • A permanent UK resident.

Why choose our simple Life Cover plan?

  • Guaranteed acceptance.
  • No medicals or GP reports required.
  • The premiums are fixed for 5 years.
  • Quick, simple online application.

Things you need to know:

  • The policy is renewable up to the age of 68.
  • There is a premium rate increase for those aged 62-68.
  • Up to 10% of the monthly premium, including tax where applicable, is payable to ESMI Ltd to cover the costs for administrating this policy.
  • If you choose to pay by credit card there will be a 4% credit card charge applied.

Conditions and Exclusions

Pre-Existing Conditions:

There is an exclusion for any claim that arises out of any medical condition that existed (including treatment, monitoring, referral, consultations or whilst undergoing tests) in the 3-year period prior to the start date of your policy. This exclusion will not apply if you remain symptom-free and do not need to seek treatment or medical advice for a continuous period of 24 months.

Exclusions:

Life Cover does not cover you for suicide, criminal acts, alcohol or inappropriate drug use, nuclear contamination, war, riots or terrorism.



Get your online quote now

NOTE: For full details please read the policy documentation, available in the online application process. Before you purchase this product please take the time to read the policy documentation.

It is very important that you read it so that you are fully aware of the policy terms and conditions.

If you are interested in finding out more about GREEN CUSHION
Life and Critical Illness insurance, call us today on 0330 123 1030 <br/ >Or, apply online now

Green Cushion Personal Insurance coming soon.

We are currently working behind the scenes to bring you the very best Green Cushion Personal Insurance. As soon as it is ready, you will be the first to know.

Please send us your contact details and we will get back to you as soon as it is ready.

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