Therapy care

Health care treatment of any illness or injury to encourage the recovery of the patient (e.g., cardiac rehabilitation, kidney dialysis, occupational therapy, physical therapy, radiation therapy, respiratory therapy, shock therapy, speech therapy).

Thieves

According to the Marine Insurance Act 1906, Rule of Construction number 9, the term ‘thieves’ does not cover clandestine theft or a theft committed by any one of the ship’s company, whether crew or passengers. The peril in a marine policy appears to cover loss or damage by assailing and violent thieves. Institute Cargo Clauses B and C do not cover any form of theft. The International Hull Clauses 1/11/02 cover (clause 2.1.3) covers ‘violent theft from persons outside the vessel’ and in 2.1.5 ‘piracy’ is covered.
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Under Marine Insurance the term “thieves” does not cover clandestine theft, or a theft committed by any one of the ship’s company, whether crew or passengers. Pilferage must be expressly covered if cover is required.