Definition: The term "insurance 80D" refers to a particular type of insurance policy that provides coverage for certain types of injuries, illnesses, or damage caused by exposure to hazardous substances such as asbestos. In medical terminology, an asbestos exposure refers to the inhalation or ingestion of asbestos fibers. Asbestos is a mineral fiber that has been used in construction, mining, and other industries for centuries due to its strength and durability, but it is also known to cause serious health problems when inhaled or ingested. The insurance 80D policy provides coverage for injuries caused by exposure to asbestos during the course of work on a mine, quarry, or related site. The policy may include specific limits and exclusions that may apply depending on the type of exposure and the nature of the underlying disease or injury. For example, the policy might cover workers exposed to asbestos dust or other forms of asbestos inhaled through breathing or ingestion, but it may exclude claims for injuries caused by inhalation of asbestos fibers. The coverage provided by an insurance 80D policy would be limited to those exposures that are deemed "asbestos-related" or "casually associated with exposure" under the Federal Occupational Safety and Health Act (FOSHA). It's important to note that while an insurance 80D policy may offer some level of protection for injuries caused by asbestos, it is not a guarantee of financial recovery. In fact, workers who are injured as a result of asbestos exposure are entitled to recover compensation under the laws of the state where the injury occurred and through state-run insurance programs.
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