Coma means a definite diagnosis of a state of unconsciousness with no reaction to external stimuli or response to internal needs for a continuous period of at least 96 hours, and for which period the Glasgow coma score must be 4 or less.

The diagnosis of coma must be made by a specialist.


No benefit will be payable under this condition for:

  • a medically induced coma
  • a coma which results directly from alcohol or drug use, or
  • a diagnosis of brain death.