A person may suffer from coma as a result of an accident. FlexiCare Group Insurance Policy - Coma Cover from Manipal Cigna Health Insurance provides coverage up to Rs. 5 lakh for coma due to accidents.
If during the Policy Year, the Insured Person suffers an Injury due to an Accident which results in coma, the Insured person will get paid as specified in the policy schedule provided
a. Diagnosis of Coma by a Medical Practitioner is supported by all the following:
i. No response to external stimuli continuously for at least 96 hours;
ii. Life support measures are necessary to sustain life; and
iii. Permanent neurological deficit which is assessed at least 30 days after the onset of the Coma.
b. The condition of Coma is confirmed by a specialist Medical Practitioner in writing.
c. Coma does not result from alcohol/ drug abuse or due to an Illness.
For the purpose of understanding, Coma means a state of unconsciousness with no reaction or response to external stimuli or internal needs.
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