Coma- how critical illness insurance analyses your claim?
Coma is a condition of sleep with no response to exterior spur or interior needs which will need the use of various equipments and survival elements for a continuous phase of at least 96 hours. Coma is accepted by critical illness insurance if it results in an unending neurological breakdown with persevering scientific indications.
For the above definition, coma which occurs as a result of alcohol or drug abuse is not covered.
What is it?
Coma is a state of unconsciousness where there is no response to any form of physical stimulation and no control of bodily functions. A coma can occur due to head injury, brain tumour or other harms to the brain, for instance bleeding or the lack of oxygen.
When would critical illness insurance pay?
Critical illness insurance will take a claim into consideration if the condition of coma lasts for at least 96 hours, with life support being essential all the way through, resulting in everlasting damage to the nervous system.
When won’t critical illness insurance pay?
Critical illness insurance will not award the cash if exclusions found in the policy are claimed for. Most insurers will not pay if the coma has been due to alcohol or drug misuse.
Tags: critical illness, critical illness cover, critical illness insurance, critical illness quote