Life insurance for coma patients
You can get life insurance if you were in a coma, but it depends on how healthy you are now.
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If you were in a coma and you're looking for life insurance, it can be tough to find a policy, but it's not impossible. It all depends on the cause of your coma, the complications and your current state of health.
What is a coma?
A coma is when a person is in a prolonged state of unconsciousness for at least 72 hours, has minimal brain activity and cannot be woken through physical or auditory stimulation. Comas are generally caused by an injury to the brain which can be temporary or permanent.
Are comas covered by life insurance?
Yes. If you have a life insurance policy and you go into a coma, you should be covered. All causes of death are generally covered by life insurance.
In many cases, life insurance policies can pay out the full lump sum if you are deemed terminally or critically ill, so your family can pay off debts and cover everyday expenses. This may apply if you suffer a coma and are unconscious for a prolonged period of time.
If you want to be sure that you're covered for a coma, check the product disclosure statement (PDS) for exclusions and ask the insurer. This can usually be found at the bottom of the insurer's website.
Can I get life insurance if I have been in a coma in the past?
Possibly. Your ability to qualify for life insurance depends on how much of a risk you are to the insurer, so it will differ depending on the severity of the coma.
For instance, if your coma was caused by an underlying health condition or a traumatic injury that has had a long-term effect on your health, then it'll be much more difficult to get life insurance. However, if you can show that there have been no long-term complications, then you should be able to get cover – though it's still likely that you'll pay more. Here are some likely scenarios that you may encounter:
- You'll be covered but will encounter a premium loading (i.e. you'll pay more).
- You'll be covered but will encounter some exclusions (i.e. there are some causes of illness and death you won't be covered for).
- They will refuse to cover you.
If you don't want to shop around yourself, or you're finding it hard to get cover, it's worth speaking to an adviser. They can help you find life insurance with a pre-existing medical condition and compare a bunch of providers for you. You can get in touch with an adviser by filling out our broker form below.
Do I have to let my insurer know if I have been in a coma while I'm being covered by them?
When you take out a life insurance policy, your premiums are calculated based on your current situation at that point in time, for example, your health, lifestyle, age and job. So if you go into a coma while you're holding a policy – but not before – then you don't generally need to inform your insurer. The only time you would need to inform your insurer is if you want to alter your policy, for example, to increase your coverage amount.
Do I have to declare that I have been in a coma before taking out cover?
Yes. It's a requirement that you disclose all important information about your health. Whether you've been in a coma and have made a full recovery or not doesn't matter, you still need to let them know. Otherwise, you risk having future claims rejected as they can claim that you lied when you purchased your policy.
Most life insurers will require you to undergo some sort of medical exam to help them determine your premiums. In short, it's so they can work out how much of a risk you are. Some of the questions you'll likely be asked include:
- What caused your coma?
- How long were you in a coma for?
- When did you wake up from your coma?
- Was there lasting brain damage?
- Was there lasting organ damage?
- What was your number on the Glasgow Coma Scale?
- Have you been in a coma more than once?
- Do you have any history of drug use? And if so, how long have you not used for?
- Are you on any medications?
- Do you have any other health conditions?
- Do you smoke?
Is it worth getting life insurance if I have a history of comas?
Yes. If you've had a coma in the past and recovered, it only increases your need for life insurance. A life insurance policy isn't just about paying off big debts like your mortgage, rent or car loan. It's also about being able to provide for your loved ones once you're gone. It may cost you more to get a policy, but if you want peace of mind and financial security, it's worth it.
If you've been in a coma, it won't automatically disqualify you from getting life insurance or cost you more. It all depends on what caused the coma and the lasting health implications. For peace of mind and financial security, begin comparing life insurance policies here.
Does TPD insurance cover comas?
- Yes. A total and permanent disability (TPD) policy should be able to cover you if you become permanently disabled and can no longer work.
Does critical illness insurance cover comas?
- Yes. Critical illness cover, otherwise known as trauma insurance, generally covers you for comas. This type of policy pays a lump sum if you become critically ill.
Does income protection insurance cover comas?
- Yes. Income protection can cover you for any illness or injury that requires you to take some time off work. However, keep in mind that there is usually a limit to how long you will be covered for.
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