Some policies require that the insured be confined to his/her home and be under a doctor's care. This type of policy is called a:

The type of policy that specifies the insured must be confined to their home and under a doctor's care is accurately described as a medically defined disability. This concept is rooted in policies that outline specific criteria for defining a disability based on medical evaluation and conditions.

In this context, the requirement for home confinement and medical oversight emphasizes a more stringent definition of disability, where the definition relies heavily on the medical status of the insured. Policies with this specification often aim to provide coverage only under specific health circumstances, ensuring that benefits are afforded only when the individual meets these medically outlined conditions.

The other options relate to disabilities but do not specifically focus on the criteria of home confinement and medical care. Recurrent disability, for instance, refers to disabilities that come and go rather than a static condition tied to homebound status. Nonoccupational disabilities generally address injuries or illnesses that occur outside of work-related activities, and residual disability typically involves partial disabilities that allow for some level of work capability rather than the complete restrictions implied in the question. Thus, the nature of medically defined disabilities aligns perfectly with the need for strict conditions regarding treatment and confinement.