Common use of Coma Clause in Contracts

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificate. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATE) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificateMaster Certificate. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATE) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificatePolicy. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATEPOLICY) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. the Principal Sum Covered. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificateCertificate. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATE) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. the Principal Sum Insured. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificateMaster Policy. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATEPOLICY) We shall not be liable for claims directly or indirectly caused by or which results from:: -

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. •  Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificateMaster Policy. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATEPOLICY) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. the Principal Sum Insured. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificatePolicy. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATEPOLICY) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. •  Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificatePolicy. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATE) We shall not be liable for claims directly or indirectly caused by or which results from:.

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificateMaster Policy. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATEPOLICY) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that considered to constitute an Accidental death has occurred claim if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificate. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATE) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificate. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY NOT APPLICABLE TO WHOLE MASTER CERTIFICATEBENEFIT F) We shall not be liable for claims directly or indirectly caused by or which results from:

Coma. Upon certification by a Physician that You have been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of Benefit A. However, We have the right to recover the payment made if You regain consciousness provided that a deduction of 10% of the aforesaid payment be made for each year You were in a state of coma. • Disappearance It will be presumed that death has occurred if You have been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this master certificatePolicy. If at any time after payment has been made by Us for such claim, You are found to be living, full refund shall be made to Us. GENERAL EXCLUSIONS (APPLY TO WHOLE MASTER CERTIFICATE) We shall not be liable for claims directly or indirectly caused by or which results from:.