Tāpatraya

Tāpatraya refers to the three sources of "Tāpa" (literally, "heat", or "suffering") recognised in Hindu philosophy:
#Ādhyātmika — the suffering caused by 'internal' factors like diseases
#Ādhibhoutika — the suffering caused by physical forces such as earthquakes etc.
#Ādhidaivika — the suffering caused by Karmic factors