The policy is designed to cover the risks of Personal Accident and Loss of or damage to baggage of the insured persons including accompanied family members from the time they leave their declared place of departure, continues through the intended places of travel and terminates on the date of scheduled return declared or on the actual return to the place of departure whichever is earlier. Cover is valid for transit period subject to a maximum of 60 days. The cover can also be issued to people who are going on official tour, etc. The cover includes incidental local travel also. Emergency expenses cover. In addition to the above the insured will be indemnified up to Rs. 1,000 per insured person towards actual emergency incidental expenses necessarily incurred arising out of an accident resulting in a valid claim under PA Section.