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Additional Condition

Coma

Definition

A state of unconsciousness with no reaction to external stimuli or internal needs for at least 96 consecutive hours, requiring the use of life support systems and resulting in permanent neurological deficit.

Claim Requirements

  • Unconscious state for at least 96 consecutive hours
  • No reaction to external stimuli
  • Life support systems required
  • Permanent neurological deficit

Exclusions

  • Medically induced coma
  • Coma secondary to alcohol or drug abuse

This is a summary of the condition definition. Always refer to the full policy wording for complete terms and conditions.