158d160b_y__Terms_and_Definitions___GIO__1
[0] Partial disablement [2] Personal Accident and Illness/business-insurance [1] 
The inability of the named person to engage in a substantial part of their occupation or business duties while they are under the regular care of and acting in accordance with the instructions or advice of a doctor.
Insurance Glossary, Terms and Definitions - GIO
1