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Illness -  "Illness" means sickness or disease first diagnosed during the period of insurance for which immediate treatment by a Medical Practitioner is necessary. 
In-patient -  "In-patient" means an Insured / Insured Person who is admitted to Hospital / Nursing Home and stays for at least 24 hours for the sole purpose of receiving treatment.
Insured -  "Insured" means the individual who has a permanent place of residence in India and on whose name the Policy is issued. 
Insured Person -  "Insured Person" means the person named in the Schedule to the Policy, who has a permanent place of residence in India and for whose benefit the insurance is proposed and appropriate premium paid.