INFORMATION TO BE PROVIDED IN SALES BROCHURE

LIC’s Saral Pension (UIN: 512N342V05)

(A Non-Par, Non-Linked, Single Premium, Individual Immediate Annuity Plan)

1. Introduction:
 This is a Standard Immediate Annuity plan as per the guidelines of Insurance Regulatory and
Development Authority of India (IRDAI), which offers same terms and conditions across all the
life insurers.
 The Policyholder has an option to choose type of annuity from two available options on payment
of a lump sum amount.
 The annuity rates are guaranteed at the inception of the policy and annuities are payable
throughout the life time of Annuitant(s).
 This plan can be purchased offline as well as online through LIC’s website www.licindia.in.

The prospective policyholders are hereby informed that while making a buying decision reference may be
made to the similar available products for informed decision making to choose and select the
Options/Product which best suits their needs such as under annuities, ULIPs etc.

2. Annuity Options:
The available annuity options under this plan are as under:
Option I: Life Annuity with Return of 100% of Purchase Price.
Option II: Joint Life Last Survivor Annuity with Return of 100% of Purchase Price on death of the last
survivor.
Annuity option once chosen cannot be altered.

3. Benefits:
Benefits payable under above options are:
Option Benefits
Option I  The annuity payments shall be made in arrears for as long as the Annuitant is alive,
as per the chosen mode of annuity payment.
 On death of the annuitant, the annuity payment shall cease immediately and 100% of
Purchase Price shall be payable to nominee(s)/legal heirs.
Option II  The annuity amount shall be paid in arrears for as long as the Annuitant and/or
spouse are alive, as per the chosen mode of annuity payment.
 On death of the last survivor, the annuity payments will cease immediately and 100%
of Purchase Price shall be payable to the nominee(s)/legal heirs.

4. Eligibility Criteria:
i. Minimum Age at Entry:40 years (completed)
ii. Maximum Age at Entry:80 years (completed)
iii. Minimum Annuity:

Annuity Mode Monthly Quarterly Half-yearly Annual

Minimum Annuity Rs.1,000 Rs.3,000 Rs.6,000 12,000
per month per quarter per half year per annum

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 iv. Minimum Purchase Price: Minimum Purchase price shall depend on the Minimum Annuity as
specified in (iii) above, Option chosen and age of the Annuitant.
v. Maximum Purchase Price: No Limit

Note: 1) The Joint Life Annuity, i.e. Option II, can be taken with spouse only.
2) For Joint life annuity options, age of spouse shall also be subject to Minimum Entry
Age as specified in (i) and Maximum Entry Age as specified in (ii) above.

5. Mode of Annuity payment:

The modes of annuity available are yearly, half-yearly, quarterly, and monthly. The Annuity shall be
payable in arrears i.e. the annuity payment shall be after 1 year, 6 months, 3 months and 1 month from
the date of commencement of policy depending on whether the mode of annuity payment is Yearly, Half
yearly, Quarterly and Monthly respectively.

6. Incentives:
The following incentives are available under this plan:
i. Incentive for higher purchase price by way of increase in the annuity rate is as under:
Incentive for higher purchase price by way of increase in the annuity rate is provided for three slabs
of purchase price i) Rs 5,00,000 to Rs 9,99,999 ii) Rs 10,00,000 to Rs 24,99,999 iii) Rs 25,00,000
and above.

The incentive for higher purchase price depends on the purchase price slab and on mode of annuity
payments. The incentive increases as the purchase price moves from the lower slab to higher slab
of the purchase price. The incentive also increases with the reduction in frequency of annuity
payments.

ii. Incentive for Online Sale by way of increase in the annuity rate is as under:
A rebate of 2% by way of increase in annuity shall be available for policies purchased Online.

7. Illustration:
Purchase Price :Rs. 10 lakh (excluding applicable taxes)
Annuity Mode : Yearly
Age of Annuitant at entry : 60 years (completed)
Age of Spouse at entry : 55 years (completed) (applicable for Option II only)

Annuity Option Annuity Amount (Rs.)

Option I:Life Annuity with Return of 100% of Purchase Price 62,300
Option II: Joint Life Last Survivor Annuity with Return of 100%
61,600
of Purchase Price on death of the last survivor.

For death benefit under above options, please refer to Para 3 above.

8. Surrender Value:
The policy can be surrendered at any time after six months from the date of commencement, if the
annuitant or spouse or any of the children of the annuitant is diagnosed as suffering from any of the
specified critical illnesses as Annexure, based on the documents produced to the satisfaction of the
medical examiner of the Corporation.
On approval of the surrender, 95% of the Purchase Price shall be paid to the annuitant, subject to
deduction of any outstanding loan amount and the loan interest, if any.
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 On payment of the surrender value, all other benefits shall cease and the policy shall terminate.
Any change in the surrender value calculation method shall be applicable only after the prior approval
of IRDAI.
Note: The insurance policy being a long term contract should be taken from the long term perspective
of continuing the policy. While there is provision for surrender, it may be noted that there can be
significant loss on surrender of a policy and hence, it is advisable to continue the policy.

9. Loan:
The Policy loan shall be allowed at any time after six months from the date of commencement of the
policy.
Under joint life annuity option, the loan can be availed by the Annuitant and on death of Annuitant the
same can be availed by the spouse.
The maximum amount of loan that can be granted under the policy shall be such that the effective
annual interest amount payable on loan does not exceed 50% of the annual annuity amount payable
under the policy.
Loan interest will be recovered from annuity amount payable under the policy. The Loan interest will
accrue as per the frequency of annuity payment under the policy and it will be due on the due date of
annuity. The loan outstanding shall be recovered from the claim proceeds under the policy. However,
the annuitant has the flexibility to repay the loan principal at any time during the currency of the annuity
payments.
The loan interest rate for all the loans commencing during the 12 months’ period from 1st May to 30th
April, shall be annual effective rate equal to 10 year G-Sec rate p.a. plus 200 basis points. The 10 year
G-Sec rate shall be as at 1st April of relevant financial year. The calculated interest rate shall be
applicable for full term of Loan.
For the loan sanctioned during the 12 months’ period commencing from 1st May, 2024 to 30th April2025,
the applicable interest rate is 9.24% p.a. effective for entire term of the loan.
Any change in basis of determination of interest rate for policy loan shall be subject to prior approval of
IRDAI.

10. Tax:
Statutory Taxes, if any, imposed on such insurance plans by the Govt. of India or any other
constitutional Tax Authority of India shall be as per the Tax laws and the rate of tax as applicable from
time to time.
The amount of any applicable taxes (such as GST), payable as per the prevailing rates, shall be
payable by the policyholder on Premium payable under the policy, which shall be collected separately
in addition to the Premium payable by the policyholder. The amount of Tax paid shall not be considered
for the calculation of benefits payable under the plan.

Regarding, Income tax benefits/implications on premium(s) paid and benefits payable under this plan,
please consult your tax advisor for details.

11. Free Look Period:

If the Policyholder is not satisfied with the “Terms and Conditions” of the policy, the policy may be
returned to the Corporation within 30 days from the date of receipt of the electronic or physical mode of
the Policy Document, whichever is earlier, stating the reasons for objections. On receipt of the same
the Corporation shall cancel the policy and return the Premium paid after deducting the charges for
stamp duty and annuity paid, if any. The treatment of the policy shall be as below:

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 a) For standalone immediate annuity policies: The proceeds from cancellation shall be returned to the
policyholder.
b) If this policy is purchased out of proceeds of a deferred pension plan of any other insurance
company: The proceeds from cancellation will be transferred back to the insurance company.

12. Grievance Redressal Process:

Of the Corporation:
The Corporation has Grievance Redressal Officers at Branch/ Divisional/ Zonal/ Central Office to
redress grievances of customers. The customers can visit our website
(https://licindia.in/web/guest/grievances) for names and contact details of the GROs and other
information related to grievances.

For ensuring quick redressal of customer grievances the Corporation has introduced Customer friendly
Integrated Complaint Management System through our Customer Portal (website) which is
http://www.licindia.in, where a registered policy holder can directly register complaint/ grievance and
track its status. Customers can also contact at e-mail id [email protected] for redressal of
any grievances.

Claimants not satisfied with the decision of death claim repudiation have the option of referring their
cases for review to Zonal Office Claims Dispute Redressal Committee or Central Office Claims Dispute
Redressal Committee. A retired High Court/ District Court Judge is member of each of the Claims
Dispute Redressal Committees.

Of IRDAI:
In case the customer is not satisfied with the response or does not receive a response from us within
15 days, then the customer may approach the Policyholder’s Protection and Grievance Redressal
Department through any of the following modes:

 Calling Toll Free Number 155255 / 18004254732 (i.e. IRDAI Grievance Call Centre-BIMA
BHAROSA SHIKAYAT NIVARAN KENDRA)
 Sending an email to [email protected]
 Register the complaint online at https://bimabharosa.irdai.gov.in
 Address for sending the complaint through courier / letter:
General Manager, Policyholder’s Protection and Grievance Redressal Department, Insurance
Regulatory and Development Authority of India, Survey No. 115/1, Financial District,
Nanakramguda, Gachibowli, Hyderabad – 500 032, Telangana.

Of Ombudsman:
For redressal of Claims related grievances, claimants can also approach Insurance Ombudsman who
provides for low cost and speedy arbitration to customers.

13. SECTION 45 OF INSURANCE ACT, 1938:

The provision of Section 45 of the Insurance Act, 1938 as amended from time to time shall be
applicable. The current provision is as under:
(1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of
three years from the date of the policy, i.e. from the date of issuance of the policy or the date of
commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever
is later.
(2) A policy of life insurance may be called in question at any time within three years from the date of
issuance of the policy or the date of commencement of risk or the date of revival of the policy or the
date of the rider to the policy, whichever is later on the ground of fraud:

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 Provided that the insurer shall have to communicate in writing to the insured or the legal
representatives or nominees or assignees of the insured the grounds and materials on which such
decision is based.

Explanation I- For the purposes of this sub-section, the expression “fraud” means any of the following
acts committed by the insured or by his agent, with the intent to deceive the insurer or to induce the
insurer to issue a life insurance policy:-
(a) the suggestion, as a fact of that which is not true and which the insured does not believe to be
true;
(b) the active concealment of a fact by the insured having knowledge or belief of the fact;
(c) any other act fitted to deceive; and
(d) any such act or omission as the law specially declares to be fraudulent.
Explanation II- Mere silence as to facts likely to affect the assessment of the risk by the insurer is not
fraud, unless the circumstances of the case are such that regard being had to them, it is the duty of the
insured or his agent, keeping silence to speak, or unless his silence is, in itself, equivalent to speak.
(3) Notwithstanding anything contained in subsection (2), no insurer shall repudiate a life insurance
policy on the ground of fraud if the insured can prove that the misstatement of or suppression of a
material fact was true to the best of his knowledge and belief or that there was no deliberate intention to
suppress the fact or that such misstatement of or suppression of a material fact are within the
knowledge of the insurer:
Provided that in case of fraud, the onus of disproving lies upon the beneficiaries, in case the
policyholder is not alive.
Explanation – A person who solicits and negotiates a contract of insurance shall be deemed for the
purpose of the formation of the contract, to be the agent of the insurer.
(4) A policy of life insurance may be called in question at any time within three years from the date of
issuance of the policy or the date of commencement of risk or the date of revival of the policy or the
date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of
a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other
document on the basis of which the policy was issued or revived or rider issued:
Provided that the insurer shall have to communicate in writing to the insured or the legal
representatives or nominees or assignees of the insured the grounds and materials on which such
decision to repudiate the policy of life insurance is based:
Provided further that in case of repudiation of the policy on the ground of misstatement or suppression
of a material fact, and not on the ground of fraud the premiums collected on the policy till the date of
repudiation shall be paid to the insured or the legal representatives or nominees or assignees of the
insured within a period of ninety days from the date of such repudiation.
Explanation - For the purposes of this sub-section, the misstatement of or suppression of fact shall not
be considered material unless it has a direct bearing on the risk undertaken by the insurer, the onus is
on the insurer to show that had the insurer been aware of the said fact no life insurance policy would
have been issued to the insured.
(5) Nothing in this section shall prevent the insurer from calling for proof of age at any time if he is
entitled to do so, and no policy shall be deemed to be called in question merely because the terms of
the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the
proposal.

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14. Prohibition of rebates Section 41 of Insurance Act, 1938:
1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person
to take out or renew or continue an insurance in respect of any kind of risk relating to lives or
property in India, any rebate of the whole or part of the commission payable or any rebate of the
premium shown on the policy, nor shall any person taking out or renewing or continuing a policy
accept any rebate, except such rebate as may be allowed in accordance with the published
prospectuses or tables of the insurer.
2) Any person making default in complying with the provisions of this section shall be liable for a
penalty which may extend to ten lakh rupees.

Various Sections of the Insurance Act, 1938, applicable to LIC to apply as amended from time to time.

This product brochure gives only salient features of the plan. For further details please refer to the
Policy document on our website www.licindia.in or contact our nearest Branch Office.
It is suggested to read and understand other similar products available with LIC of India to assess the
suitability of the appropriate product as per individual needs.
To purchase the policy online please log on to www.licindia.in.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI or its officials do not involve in any activities of insurance business like selling insurance
policies, announcing bonus or investment of premiums, refund of amounts. Policyholders or the
prospects receiving such phone calls are requested to lodge a police complaint.

LIFE INSURANCE CORPORATION OF INDIA

“Life Insurance Corporation of India” was established on 1st September, 1956 under Life Insurance
Corporation Act, 1956, with the objective of spreading life insurance more widely, in particular to the rural
areas with a view to reaching all insurable persons in the country and providing them adequate financial
cover against insured events. LIC continues to be the important life insurer even in the liberalized scenario
of Indian insurance and is moving fast on a new growth trajectory surpassing its own past records. In its
existence of over six decades, LIC has grown from strength to strength in various areas of operation.
Registered Office:
Life Insurance Corporation of India
Central Office, Yogakshema,
Jeevan Bima Marg,
Mumbai-400021
Website: www.licindia.in
Registration Number: 512

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 Annexure
List of Critical Illnesses
1. CANCER OF SPECIFIED SEVERITY

I. A malignant tumor characterized by the uncontrolled growth and spread of malignant cells with
invasion and destruction of normal tissues. This diagnosis must be supported by histological evidence
of malignancy. The term cancer includes leukemia, lymphoma and sarcoma.

II. The following are excluded –

i. All tumors which are histologically described as carcinoma in situ, benign, pre- malignant,
borderline malignant, low malignant potential, neoplasm of unknown behavior, or non-invasive,
including but not limited to: Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 and CIN-
3.
ii. Any non-melanoma skin carcinoma unless there is evidence of metastases to lymph nodes or
beyond;
iii. Malignant melanoma that has not caused invasion beyond the epidermis;
iv. All tumors of the prostate unless histologically classified as having a Gleason score greater than 6
or having progressed to at least clinical TNM classification T2N0M0
v. All Thyroid cancers histologically classified as T1N0M0 (TNM Classification) or below;
vi. Chronic lymphocytic leukaemia less than RAI stage 3
vii. Non-invasive papillary cancer of the bladder histologically described as TaN0M0 or of a lesser
classification,
viii. All Gastro-Intestinal Stromal Tumors histologically classified as T1N0M0 (TNM Classification) or
below and with mitotic count of less than or equal to 5/50 HPFs;
2. MYOCARDIAL INFARCTION
(First Heart Attack of specific severity)

I. The first occurrence of heart attack or myocardial infarction, which means the death of a portion of the
heart muscle as a result of inadequate blood supply to the relevant area.
The diagnosis for Myocardial Infarction should be evidenced by all of the following criteria:

i. A history of typical clinical symptoms consistent with the diagnosis of acute myocardial infarction
(For e.g. typical chest pain)
ii. New characteristic electrocardiogram changes
iii. Elevation of infarction specific enzymes, Troponins or other specific biochemical markers.

II. The following are excluded:

i. Other acute Coronary Syndromes

ii. Any type of angina pectoris
iii. A rise in cardiac biomarkers or Troponin T or I in absence of overt ischemic heart disease OR
following an intra-arterial cardiac procedure.

3. OPEN CHEST CABG

I. The actual undergoing of heart surgery to correct blockage or narrowing in one or more coronary
artery(s), by coronary artery bypass grafting done via a sternotomy (cutting through the breast bone) or
minimally invasive keyhole coronary artery bypass procedures. The diagnosis must be supported by a
coronary angiography and the realization of surgery has to be confirmed by a cardiologist.

II. The following are excluded:

i. Angioplasty and/or any other intra-arterial procedures
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4. OPEN HEART REPLACEMENT OR REPAIR OF HEART VALVES

I. The actual undergoing of open-heart valve surgery is to replace or repair one or more heart valves, as
a consequence of defects in, abnormalities of, or disease-affected cardiac valve(s). The diagnosis of
the valve abnormality must be supported by an echocardiography and the realization of surgery has to
be confirmed by a specialist medical practitioner. Catheter based techniques including but not limited
to, balloon valvotomy/valvuloplasty are excluded.

5. COMA OF SPECIFIED SEVERITY

I. A state of unconsciousness with no reaction or response to external stimuli or internal needs. This
diagnosis must be supported by evidence of all of the following:

i. no response to external stimuli continuously for at least 96 hours;

ii. life support measures are necessary to sustain life; and
iii. permanent neurological deficit which must be assessed at least 30 days after the onset of the
coma.
II. The condition has to be confirmed by a specialist medical practitioner. Coma resulting directly from
alcohol or drug abuse is excluded.

6. KIDNEY FAILURE REQUIRING REGULAR DIALYSIS

I. End stage renal disease presenting as chronic irreversible failure of both kidneys to function, as a
result of which either regular renal dialysis (haemodialysis or peritoneal dialysis) is instituted or renal
transplantation is carried out. Diagnosis has to be confirmed by a specialist medical practitioner.

7. STROKE RESULTING IN PERMANENT SYMPTOMS

I. Any cerebrovascular incident producing permanent neurological sequelae. This includes infarction of
brain tissue, thrombosis in an intracranial vessel, haemorrhage and embolisation from an extracranial
source. Diagnosis has to be confirmed by a specialist medical practitioner and evidenced by typical
clinical symptoms as well as typical findings in CT Scan or MRI of the brain. Evidence of permanent
neurological deficit lasting for at least 3 months has to be produced.

II. The following are excluded:

i. Transient ischemic attacks (TIA)

ii. Traumatic injury of the brain
iii. Vascular disease affecting only the eye or optic nerve or vestibular functions.

8. MAJOR ORGAN /BONE MARROW TRANSPLANT

I. The actual undergoing of a transplant of:

i. One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from
irreversible end-stage failure of the relevant organ, or
ii. Human bone marrow using haematopoietic stem cells. The undergoing of a transplant has to be
confirmed by a specialist medical practitioner.
II. The following are excluded:

i. Other stem-cell transplants

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 ii. Where only islets of langerhans are transplanted

9. PERMANENT PARALYSIS OF LIMBS

I. Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or
spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent
with no hope of recovery and must be present for more than 3 months.

10. MOTOR NEURON DISEASE WITH PERMANENT SYMPTOMS

I. Motor neuron disease diagnosed by a specialist medical practitioner as spinal muscular atrophy,
progressive bulbar palsy, amyotrophic lateral sclerosis or primary lateral sclerosis. There must be
progressive degeneration of corticospinal tracts and anterior horn cells or bulbar efferent neurons.
There must be current significant and permanent functional neurological impairment with objective
evidence of motor dysfunction that has persisted for a continuous period of at least 3 months.

11. MULTIPLE SCLEROSIS WITH PERSISTING SYMPTOMS

I. The unequivocal diagnosis of Definite Multiple Sclerosis confirmed and evidenced by all of the
following:

i. investigations including typical MRI findings which unequivocally confirm the diagnosis to be
multiple sclerosis and
ii. there must be current clinical impairment of motor or sensory function, which must have persisted
for a continuous period of at least 6 months.

II. Neurological damage due to Systemic lupus erythematosus (SLE) is excluded.

12. BENIGN BRAIN TUMOR

I. Benign brain tumor is defined as a life threatening, non-cancerous tumor in the brain, cranial nerves or
meninges within the skull. The presence of the underlying tumor must be confirmed by imaging studies
such as CT scan or MRI.

II. This brain tumor must result in at least one of the following and must be confirmed by the relevant
medical specialist.

i. Permanent Neurological deficit with persisting clinical symptoms for a continuous period of at least
90 consecutive days or
ii. Undergone surgical resection or radiation therapy to treat the brain tumor.

III. The following conditions are excluded:

Cysts, Granulomas, malformations in the arteries or veins of the brain, hematomas, abscesses,
pituitary tumors, tumors of skull bones and tumors of the spinal cord.

13. BLINDNESS

I. Total, permanent and irreversible loss of all vision in both eyes as a result of illness or accident.

II. The Blindness is evidenced by:

i. corrected visual acuity being 3/60 or less in both eyes or ;
ii. the field of vision being less than 10 degrees in both eyes.

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III. The diagnosis of blindness must be confirmed and must not be correctable by aids or surgical
procedure.

14. END STAGE LUNG FAILURE

I. End stage lung disease, causing chronic respiratory failure, as confirmed and evidenced by all of the
following:

i. FEV1 test results consistently less than 1 litre measured on 3 occasions 3 months apart; and
ii. Requiring continuous permanent supplementary oxygen therapy for hypoxemia; and
iii. Arterial blood gas analysis with partial oxygen pressure of 55mmHg or less (PaO2 < 55mmHg); and
iv. Dyspnea at rest.

15. END STAGE LIVER FAILURE

I. Permanent and irreversible failure of liver function that has resulted in all three of the following:
Permanent jaundice; and
Ascites; and
Hepatic encephalopathy.
II. Liver failure secondary to drug or alcohol abuse is excluded.

16. LOSS OF SPEECH

I. Total and irrecoverable loss of the ability to speak as a result of injury or disease to the vocal cords.
The inability to speak must be established for a continuous period of 12 months. This diagnosis must
be supported by medical evidence furnished by an Ear, Nose, Throat (ENT) specialist.

17. LOSS OF LIMBS

I. The physical separation of two or more limbs, at or above the wrist or ankle level limbs as a result of
injury or disease. This will include medically necessary amputation necessitated by injury or disease.
The separation has to be permanent without any chance of surgical correction. Loss of Limbs resulting
directly or indirectly from self-inflicted injury, alcohol or drug abuse is excluded.

18. MAJOR HEAD TRAUMA

I. Accidental head injury resulting in permanent Neurological deficit to be assessed no sooner than 3
months from the date of the accident. This diagnosis must be supported by unequivocal findings on
Magnetic Resonance Imaging, Computerized Tomography, or other reliable imaging techniques. The
accident must be caused solely and directly by accidental, violent, external and visible means and
independently of all other causes.

II. The Accidental Head injury must result in an inability to perform at least three (3) of the following
Activities of Daily Living either with or without the use of mechanical equipment, special devices or
other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word
“permanent” shall mean beyond the scope of recovery with current medical knowledge and
technology.

III. The Activities of Daily Living are:

i. Washing: the ability to wash in the bath or shower (including getting into and out of the bath or
shower) or wash satisfactorily by other means;
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 ii. Dressing: the ability to put on, take off, secure and unfasten all garments and, as appropriate, any
braces, artificial limbs or other surgical appliances;

iii. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa;

iv. Mobility: the ability to move indoors from room to room on level surfaces;

v. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to
maintain a satisfactory level of personal hygiene;

vi. Feeding: the ability to feed oneself once food has been prepared and made available.
IV. The following are excluded:
i. Spinal cord injury;

19. PRIMARY (IDIOPATHIC) PULMONARY HYPERTENSION

I. An unequivocal diagnosis of Primary (Idiopathic) Pulmonary Hypertension by a Cardiologist or

specialist in respiratory medicine with evidence of right ventricular enlargement and the pulmonary
artery pressure above 30 mm of Hg on Cardiac Cauterization. There must be permanent irreversible
physical impairment to the degree of at least Class IV of the New York Heart Association Classification
of cardiac impairment.

II. The NYHA Classification of Cardiac Impairment are as follows:

i. Class III: Marked limitation of physical activity. Comfortable at rest, but less than ordinary activity
causes symptoms.
ii. Class IV: Unable to engage in any physical activity without discomfort. Symptoms may be present
even at rest.

III. Pulmonary hypertension associated with lung disease, chronic hypoventilation, pulmonary
thromboembolic disease, drugs and toxins, diseases of the left side of the heart, congenital heart
disease and any secondary cause are specifically excluded.

20. THIRD DEGREE BURNS

I. There must be third-degree burns with scarring that cover at least 20% of the body’s surface area. The
diagnosis must confirm the total area involved using standardized, clinically accepted, body surface
area charts covering 20% of the body surface area.

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