Following on with our recent theme of revising ratings, we have reviewed Coma, re-assessing the item based on modern definitions. A rarely claimed on benefit, yet significant coverage in the media when the insurer decides not to pay out.
Below are the proposed items for Coma.
Momentum life is the only provider that requires the insured to be in a coma for 96-hours, while Westpac uniquely requires a permanent neurological deficit. Three insurers, Fidelity, Pinnacle and Westpac specifically exclude medically induced comas and a similar definition is observed in the use of life support systems and response to internal and external needs.
Few insurers continue to use the Glasgow Coma Scale in their definitions – here is a quick overview of what the scale demonstrates https://medictests.com/units/glasgow-coma-score
We value getting your feedback on how these wordings are being applied to claims you may be aware of. Please email us with details of any recent claims to help us update our understanding.
Doreen Dutt, Research Analyst, Quality Product Research Limited, firstname.lastname@example.org