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Term Insurance Coverage for Coma

TeamAckoJun 19, 2024

Coma insurance is a concept many are unfamiliar with, especially for those looking for Term Life or Critical Illness Coverage. This blog explores the financial protection benefits of Coma coverage, the different types available, and eligibility criteria. It delves into the relationship between Coma coverage and Term Insurance policies and how insurers handle claims when the policyholder is in a coma







Flexible Payout Options:  It offers one-time payment and can also help with instalments. 

Cost:  The cost of the policy is high if you need full coverage. 

Peace of mind:  The insurance covers all essential expenses, so your family will not be short of money. 

Restricted Scope:  This policy is limited to coma coverage only; thus, you cannot combine it with any other policy. 

Tailored Protection:  The best thing is that you can customise the policy to fit your needs. 

Ambiguity:  An individual can have no pre-existing symptoms but suffer a coma. Conversely,   there is no guarantee that they will need to avail of the policy in their lifetime. Thus, it appears to be an ambiguous expense.  

What Is Coma Insurance Coverage?

Coma insurance coverage provides financial support if the policyholder falls into a coma due to a medical condition or accident. It's typically an add-on to an existing health or life insurance policy

Benefits include covering medical expenses and lost income, but exclusions and limitations apply. People considering coma insurance coverage should thoroughly study the policy details as the specifics of this coverage, eligibility and claims processes differ according to the insurance provider and policy terms. Being aware of the inclusions and exclusions is essential. 

Let's understand coma insurance coverage with an example: 

Pankaj is an 35 yeras old accountant. He decides to purchase coma insurance and starts looking for options. After much research, he settled on a plan and decided to invest Rs 5,00,000 for his coma insurance. 

After completing the application and submitting all the documents, his policy is approved. The best part is that his premiums are affordable and do not stress him out. 

After 7 years, Pankaj meets with an accident and suffers from severe injuries in his head. This leaves him in a coma. Now, his policy works out for him and his family during this time. All his expenses are covered, and the family has no financial strain. 

How Does Coma Insurance Coverage Work?

Coma insurance falls under Critical Illness Insurance, providing financial support in case of a coma diagnosis. Policyholders must purchase a Critical Illness Rider and their base Term Insurance plan to benefit from the coverage. It includes a lump sum payout upon diagnosis of a critical illness and continues as long as the policy remains valid and premium payments are up to date. 

Eligibility for the claim requires medical verification through CT scans, blood tests, or MRIs certified by a medical practitioner. Understanding the eligibility criteria and claims process can help policyholders navigate the process and ensure they receive financial support during such challenging times.

Different Types of Coma Insurance Coverages

Coma coverage might have some limitations and exclusions, and the duration of coverage and its impact on premium payments should be considered. It can offer financial support for medical bills and lost income, making it a crucial addition to a health insurance policy. Here are the types of Coma Plans.

  • Standalone policies for coma coverage

Standalone policies for coma coverage provide financial help for medical expenses and loss of income during the coma period. These policies are costly and should be assessed thoroughly before purchasing. Critical illness plans are usually offered separately from term insurance. It's crucial to read policy documents carefully to understand coverage, exclusions, waiting periods, and claim procedures.

  • Add-ons or riders for existing policies

Purchasing add-ons or riders can enhance Coma's existing Term insurance plan coverage. These riders offer additional benefits and coverage for medical emergencies.

For instance, a Critical Illness Rider can compensate for medical expenses related to coma, and riders like waiver of premium or accidental death benefits provide financial protection in case of disability or death. Adding riders may increase the premium payments. Hence, it is advisable to consult with your insurance agent to discuss the available options and their costs.

Benefits of Coma Insurance Coverage

Coma insurance policies provide financial support for medical bills and lost income during a coma but may have limitations and exclusions such as duration caps and exclusions for pre-existing conditions. A careful review of policy terms is crucial. Adding a coma coverage or standalone policy may affect premium payments of the existing term insurance plan.

1. Covering medical bills and lost income

Coma insurance provides financial protection for medical bills and lost income during a Coma. It is important to review the policy's limitations and exclusions and consider the duration of coverage and premium payments. Overall, having Coma Insurance offers peace of mind.

2.Other benefits if you have dependents or beneficiaries

  • Term insurance plan pays a death benefit to dependents/beneficiaries upon the policyholder's death.

  • The death benefit is given as a lump sum amount.

  • It can be used for immediate expenses such as funeral costs and household bills.

  • Riders like dependent life insurance benefits offer additional coverage for the policyholder's spouse and children.

  • Important to consider the coverage amount needed for dependents in case of unexpected death.

  • Policyholders should review their policies regularly to ensure adequate coverage and up-to-date beneficiaries.

How do Critical Illness Rider and Coma Coverage help with managing critical illnesses? 

Critical Illness Riders and Coma coverage can be added to Term Insurance plans. These riders offer coverage for critical illnesses, including coma, providing a lump sum payout for qualifying medical conditions. Eligibility and claims processes depend on policy terms and conditions, so reading and understanding the provisions is crucial. Careful evaluation of costs and limitations against personal needs and financial goals is recommended.

What are the exclusions and limitations of the coma policy?

When purchasing Coma Insurance Coverage, it is crucial to understand the policy's exclusions and limitations. Certain pre-existing conditions and self-inflicted injuries may not be covered. 

Some policies may have sub-limits or waiting periods, and the coverage duration and premium impact should also be considered. To make an informed decision, it is important to read the policy document thoroughly and clarify any doubts with the insurer.

The impact of coma coverage on your Term Insurance Policy

The impact of a Coma on a term insurance policy can be significant. If the policyholder has a Critical Illness Rider and slips into a coma; a lump-sum amount is paid as life cover. Understanding the terms, conditions, and limitations of the policy is crucial. 

The claims process for Coma Coverage and eligibility criteria should be understood thoroughly to ensure a smooth experience. Insurers handle claims for Coma Coverage differently, and understanding their policies can give peace of mind to the policyholder and their loved ones.

What happens to your policy when you’re in a coma?

Your coma coverage can help you in the following ways if you are in coma.

  • Coma insurance can protect your finances if you have a coma. It covers medical bills and lost income. However, check the policy exclusions and limits before buying. Duration of coverage and premiums are also important factors.

  • The duration of coma coverage affects premiums. Standalone policies cover a specific period. Riders cover until the end of the policy term. Longer coverage means higher premiums. Choose a policy that fits your needs and budget.

  • Term insurance policies remain in effect during a Coma if premiums are paid. A Critical Illness Rider may provide Coma coverage.

  • The policy's terms and conditions determine benefits. The insurer investigates claims and may offer advance payment. Nominees may receive death benefits. Check policy details or consult with an advisor.

Term Insurance with Coma Coverage vs ACKO Life Flexi Term Plan

Basis of Comparison

Term Insurance with Coma  Coverage

ACKO Life Flexi Term Plan


Provides financial protection if the policyholder slips into a coma due to illness or injury.

Offers pure life insurance protection with a flexible death benefit payout.

Premium Payment

Regular ongoing contributions or lump sum amounts.

Flexible premium payment terms

Payout Criteria

Benefits are paid upon the policyholder’s diagnosis of coma, meeting policy terms.

Death benefit paid if the policyholder dies during the coverage term.

Payout Structure

Lump sum or periodic payments during the coma period.

Lump sum payout to beneficiaries with the flexibility to choose payout options.

Income Continuity

Financial support during the coma period.

No income continuity; one-time death benefit payment.


Limited flexibility or control once payments start.

Highly flexible with options to modify coverage, payout, and riders as needed.


No access to accumulated funds; payout upon coma diagnosis.

No liquidity during the policy term; full death benefit paid on claim approval.

Tax Benefits

Premiums eligible for deduction under Section 80C; tax-free benefit payout.

Premiums eligible for tax deduction under Section 80C; tax-free death benefit.

Investment Risk

No investment risk; benefit paid on valid coma diagnosis.

There is no investment risk; the policy pays death benefit on valid claims.

ACKO Life Flexi Term Plan

The ACKO Life Flexi Term Plan stands out for offering unparalleled flexibility and adaptability to changing demands in life. Among the plan's main advantages are the following: 

Adaptable Sum Assured

Flexible Policy Tenure

Flexible Payout Options 

Will Creation Service

Affordable Premiums

Easy Claim Process

With minimum documentation required, the beneficiaries may commence claims online, thanks to its digital-first strategy, which streamlines the claims procedure and lessens the strain during trying times. The policyholder can be sure their loved ones will quickly get the money they require because of the company’s track record of timely claim settlements. This will provide them peace of mind and support when needed.

Determine Which Policy Works For You

Choosing the right life insurance policy can be daunting, especially when you have multiple options. Each policy offers unique benefits and caters to different financial needs and goals. 

Evaluating your specific situation and requirements is essential to make an informed decision.


Recommended Policy

Seeking guaranteed insurance in case of a Coma

Term Insurance with Coma Coverage

Need pure life insurance protection

ACKO Life Flexi Term Plan

Budget-conscious and prefer lower premiums

ACKO Life Flexi Term Plan

Desire flexibility to adjust coverage as needed

ACKO Life Flexi Term Plan

Uncertain about future financial needs

ACKO Life Flexi Term Plan

Prioritise leaving a legacy or inheritance

ACKO Life Flexi Term Plan

Prefer a fully digital, hassle-free experience

ACKO Life Flexi Term Plan

Need the ability to change beneficiaries easily

ACKO Life Flexi Term Plan

What is the eligibility and claims process for coma coverage? 

The following is the eligibility and claim process for coma coverage.

  • To be eligible for Coma coverage, a Critical Illness Rider and the base Term Insurance policy must be purchased.

  • The Critical Illness Rider covers critical illnesses such as coma, paralysis, stroke, deafness, kidney failure, cancer, and heart attack.

  • A certified medical practitioner must diagnose the insured before a claim can be made for coma coverage.

  • The claims process for coma coverage is like that of other critical illnesses.

  • The insured must submit a claim form and supporting medical documents to the insurer.

  • The policy may have a waiting period before the benefit can be claimed, and the coverage amount of life insurance may be limited as per the policy terms.

How to Buy Term Insurance with Coma Coverage?

If, after comparing options, you decide coma insurance aligns well with your situation, here is an overview of the purchasing process:

  1. Research insurance providers offering term insurance with critical illness riders, including coma coverage.

  2. Assess your coverage needs and budget.

  3. Get quotes from multiple insurance providers.

  4. Understand policy terms and conditions.

  5. Assess eligibility.

  6. Consult with an insurance agent or advisor.

  7. Apply for selected coverage.

About Critical Illness Cover and Accelerated Death Benefit Riders

Here are some things you need to know about these additional riders.

  • Critical illness cover and Accelerated Death Benefit Riders offer additional financial protection to policyholders with term insurance.

  • Critical Illness Riders provide coverage against life-threatening diseases, while Accelerated Death Benefit Riders allow policyholders to receive a portion of their sum assured in advance to cover medical expenses.

  • These riders can provide coverage for policyholders who end up in a coma if the riders are included in the base plan.

  • It's essential to discuss coverage options and benefits with your insurer to understand the terms and conditions of your term insurance policy.

Choosing the Right Coma Insurance in India

As the Indian insurance market continues evolving, various coma insurance plans exist to meet differing financial needs and risk appetites. So, here are some factors to consider: 

  1. Policy Types: You need to check out the different policies available in the market. You must research properly and then finalise the best option. 

  2. Coverage Limits: Analyse the highest amount of coverage it will pay. Also, ensure that the policy covers everything so you or your family do not suffer financial burdens. 

  3. Exclusions and Waiting Times: Examine the waiting times and exclusions in the policy. Specific medical procedures or pre-existing conditions may be excluded from coverage under some insurance. They could also demand a waiting period before rewards start to accrue.

  4. Premiums and Payment Frequency: Always take this insurance to avoid stress. Select a premium that will not prove to be a burden on you. 

  5. Policy Renewal and Flexibility: Review the terms and conditions of the policy renewal. Make sure you renew it at a specific age or choose lifetime coverage. Seek plans that allow you to add riders or vary the amount of coverage as your requirements evolve.

  6. Claim Process: Recognize the steps and documents needed to submit a claim to get coverage for life insurance.

Factors that may affect coverage for coma under Term Insurance Policies include the following.

  1. Age

  2. Health status

  3. Terms and conditions of the policy

  4. A specific type of rider chosen

  5. Exclusions mentioned in the policy

Policyholders must review their policy documents thoroughly to understand the extent of their coverage and any limitations or exclusions that may affect their ability to claim in case of a Coma.

How do insurers handle claims when the policyholder is in a coma? 

Insurers have a standard claims process for Coma coverage claims. The policyholder's family or legal representative must inform the insurer and provide relevant medical documents. Depending on policy terms and eligibility criteria, the insurer may release a lump sum or regular payouts. 

However, if the coma is because of some undisclosed pre-existing condition, that claim may be rejected. It's important to read policy documents carefully and disclose all relevant information to avoid claim complications.

Wrapping it up

Understand that purchasing coma insurance is more than simply planning for the worst; it's also about guaranteeing assistance and financial stability in difficult times. When the proper insurance is in place, people can concentrate on their healing and general well-being since they will always have an effective financial safety net.

Frequently asked questions

Here are some common questions about Term Insurance Coverage for Coma


What is the claims process for Coma coverage?

The insured must submit a claim form with the insurer along with supporting medical documents. The insurer will then assess the claim and approve it if it meets the policy's terms and conditions.

What are the required documents to file a claim under the Critical Illness Insurance plan? 

A Critical Illness Insurance plan requires several documents to be submitted when filing a claim. These documents include a duly filled claim form, the discharge summary in its original form, relevant treatment papers or consultation notes, and medical reports and invoices related to the treatment. Original hospital bills, pharmacy bills and prescriptions, and any other documents that may be required by the insurer must also be submitted. 

Are there any tax benefits for premiums paid towards Critical Insurance Plans? 

Yes, Section 80D of the Income Tax Act, 1961 makes it possible to avail tax benefits for premiums paid towards Critical Insurance Coverage under the old regime. 

What is the duration of coma coverage and its effect on premium payments? 

The duration of coma coverage and its impact on premium payments are important when buying a Coma insurance policy.

  1. Standalone policies have coverage for a specific period

  2. Add-ons usually last until the policy's end. Longer coverage periods lead to higher premiums.

The best option depends on coverage needs and budget.

What is coma insurance?

The insurance provides financial support if the policyholder falls into a coma due to a medical condition or accident. It's typically an add-on to an existing health or life insurance policy

How does a coma coverage affect a term insurance plan?

The impact of coma coverage on a term plan is quite significant. If a term insurance policyholder with a Critical illness rider slips into a come, then the lump sum is paid in the form of a life cover. 

How does coma insurance differ from other types of health insurance?

Coma insurance is specifically designed to provide coverage in the event of a coma due to illness or injury. It covers all coma-related expenses. 

What factors affect the cost of coma insurance premiums?

Several factors influence the cost of coma insurance premiums, including the insured individual's age, health status, chosen coverage amount, policy type, lifestyle factors, occupation, family medical history, and the inclusion of optional riders.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet, and is subject to changes.


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