Common use of Coma Clause in Contracts

Coma. If an Insured Person is Comatose due to an Accident during the Policy Period, then We will pay a weekly benefit for as long as the Insured Person remains Comatose, provided that: - The condition of Coma is confirmed by a Medical Practitioner in writing - The Insured Person is rendered Comatose within 3 days of the occurrence of the Accident and continues to be Comatose for a period of at least 7 days thereafter, and - Permanent neurological deficit is assessed at least 30 days after the onset of the Coma - The Coma does not result from alcohol/ drug abuse or due to any other Illness Our liability to make payment shall be limited to 1% of the Sum Insured as specified in the Policy Schedule / Certificate of Insurance for each week that the Insured Person is Comatose for a period not exceeding 100 weeks from the date of the Accident, and If the Insured Person is Comatose for a part of a week, then only a proportionate part of the weekly benefit will be payable Under this benefit, ‘Coma’ means a profound state of unconsciousness where the patient cannot be awakened, fails to respond normally to pain or light, does not have sleep-awake cycles and cannot take voluntary actions.