Based on the information provided within the question it can be said that the proof of loss for this claim must be submitted within 1 year, unless he suffers legal incapacity. Usually this must be done within the 90 days of the loss, or the fastest possible time, but the limit for submission is 1 year and must not exceed that time frame. Since Harry was in a coma for 6-months, there was no way that he could meet the 90 days of the loss and therefore has 1 year.
