Common use of Coma Clause in Contracts

Coma. Upon certification by a Physician that the Insured Person has been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of the Principal Sum Insured. However, We have the right to recover the payment made if the Insured Person regains consciousness provided that a deduction of 10% of the aforesaid payment be made for each year the Insured Person was in a state of coma. It will be presumed that death has occurred if the Insured Person has been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this Policy. If at any time after payment has been made by Us for such claim, the Insured Person is found to be living, full refund shall be made to Us.

Coma. Upon certification by a Physician that the Insured Covered Person has been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of the Principal Sum InsuredCovered. However, We have the right to recover the payment made if the Insured Covered Person regains consciousness provided that a deduction of 10% of the aforesaid payment be made for each year the Insured Covered Person was in a state of coma.  Disappearance It will be presumed that death has occurred if the Insured Covered Person has been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this PolicyCertificate. If at any time after payment has been made by Us for such claim, the Insured Covered Person is found to be living, full refund shall be made to Us.

Coma. Upon certification by a Physician that the Insured Covered Person has been in a state of coma for at least one (1) year due to an Accident, We will pay 100% of the Principal Sum InsuredCovered. However, We have the right to recover the payment made if the Insured Covered Person regains consciousness provided that a deduction of 10% of the aforesaid payment be made for each year the Insured Covered Person was in a state of coma. It will be presumed that death has occurred if the Insured Covered Person has been missing for twelve (12) consecutive months and We have examined all available evidence provided to support the conclusion that death was caused by an Accident covered by this PolicyCertificate. If at any time after payment has been made by Us for such claim, the Insured Covered Person is found to be living, full refund shall be made to Us.