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How to get life insurance after a coma

Your ability to get insurance depends on how healthy you are now.

If you were in a coma after an accident or illness, it won’t automatically disqualify you for a life insurance policy.

But depending on the cause of your coma and any complications, you may have to pay higher premiums. And you could be denied coverage if an insurance company thinks you’re too high of a risk.

Can I get life insurance if I’ve been in a coma?

Possibly. Your ability to qualify for insurance depends on how high of a risk you are based on what caused your coma and whether there were any complications.

For example, if you were in a short coma after a car accident and you’re now completely back to normal, most insurers will offer you a policy with competitive premium rates. But if your coma was caused by an underlying health condition, or if you have complications like a traumatic brain injury or lung injury that put you at risk for long-term health problems, it’ll be more difficult to get insurance.

Questions you might be asked

When determining whether your health history makes you a higher risk to insure, you may be asked questions such as:

  • What caused your coma?
  • How long were you in a coma?
  • When did you wake up from your coma?
  • Did you sustain any sort of lasting brain damage?
  • Did you sustain any sort of organ damage?
  • If your coma was caused by a high-risk activity like skiing or base jumping, do you still participate in that activity?
  • What was your number on the Glasglow Coma Scale?
  • Have you been in a coma more than once?
  • Do you have any history of drug use? If so, how long have you been clean?
  • Are you on any medications?
  • Do you have any other health conditions?
  • Do you smoke?
  • When is the last time you were hospitalized?
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Will I have to pay higher premiums?

Possibly. If an insurer decides that your medical history means you’re a higher risk, you’ll have to pay higher premiums. This is more likely if your coma was caused by an underlying condition, you participate in a high-risk that caused your coma or you have complications that currently affect your health.

What is a coma?

A coma is a state of unconsciousness where you’re incapable of sensing or responding to external stimuli or internal need for a continuous period of at least 72 hours. Unlike someone who’s sleeping, a coma patient can’t be wakened through physical or auditory stimulation.

The depth of the coma is measured by what is known as the Glasgow Coma Scale, which assigns points based on how responsive a patient is based on their verbal, motor and eye-opening responses.

For example, patients in a lighter coma may open their eyes in response to pain, while patients in a deep coma generally won’t. Some patients in a light coma may even appear to be awake at first glance, but are unable to respond to their environment.

How does a coma occur?

The cause of your coma will have an effect on how easy it is for you to get life insurance. Comas are generally caused by a physical or medical trauma or event, including:

  • A traumatic brain injury
  • Diabetes
  • High fever
  • Inadequate oxygen to the brain
  • A toxin or infection that affects brain tissue
  • Stroke
  • Seizure
  • Tumors
  • Bleeding or swelling in the brain from any other cause

Compare life insurance providers

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Policygenius - Life Insurance
18 - 85 years old
$50,000
$10,000,000
10, 15, 20, 25, 30 years
Depends on provider and policy
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
Everyday Life
20 - 75 years old
$100,000
$10,000,000
10, 15, 20, 25, 30, 35 and 40 years.
No
Ladder multiple life insurance policies to save on the coverage you need for all your debts.
JRC Life Insurance
18 - 85 years old
$5,000
$50,000,000
10, 15, 20, 25, 30, 35, 40 years to lifetime/age 121
May be required
Compare policies up to $10 million from 45+ top insurance companies with the click of a button.
Nationwide life insurance
18 - 80 years old
$25,000
$10,000,000
10, 15, 20 and 30 years
Yes
Get term, whole, universal or no-exam life insurance with up to $1 million in coverage.
Sproutt
18 - 60 years old
$50,000
$4,000,000
5, 10, 15, 20, 25 and 30 years
No
Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.
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Bottom line

Having been in a coma won’t automatically disqualify you for life insurance or drive up your premiums — but the cause of the coma might. Schedule a doctor’s appointment to find out if you face any ongoing risks and compare life insurance companies that offer coverage for customers with pre-existing conditions.

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2 Responses

    Default Gravatar
    CharisMay 6, 2019

    Can I open a policy for my mother if she’s in a coma?

      Avatarfinder Customer Care
      JhezMay 7, 2019Staff

      Hi Charis,

      Thank you for your comment.

      I am sorry to hear about your mom in a coma. Honestly, there is really a little chance of you buying a policy for your mother if she’s in a coma. Most insurers will see this as a high risk. There may be some that will provide a policy but it is with a high premium.

      You may please check with the insurance providers listed on the table above if they can give you a policy for your mother. Please let them know what you want, so they can lay their options based on your needs.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Regards,
      Jhezelyn

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