means Medical treatment for a period exceeding three days for such illness/disease/injury which in the normal course would require care and treatment at a hospital/nursing home as in-patient but actually taken whilst confined at home in India under any of the following circumstances namely: (i) The condition of the patient is such that he/she cannot be removed to the Hospital/Nursing Home , OR (ii ) The patient cannot be removed to Hospital/Nursing home on account of non-availability of room in a hospital.