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Information on Travel Medical Insurance

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Please note: German Missions accept Indian Travel Medical Insurances only from approved Indian Travel Insurance companies.

The list of Indian travel insurance companies offering travel medical insurance for the Schengen visa process has been approved by the consular missions of the Schengen countries, effective August 1, 2016.

Please note that the German Missions only accept Indian Travel Medical Insurances from approved Indian Travel Insurance companies listed below.

APPROVED LIST OF INDIAN TRAVEL INSURANCE COMPANIES OF THE CONSULAR POSTS OF SCHENGEN STATES PROVIDING TRAVEL MEDICAL INSURANCES FOR SCHENGEN VISA PROCEDURE EFFECTIVE OF 01ST FEBRUAR 2018 COMPANY NAME APPROVED FULL COVERAGE OF AGE GROUPS

Apollo Munich Health Insurance Company
6 months – 70 years

Bajaj Allianz General Insurance Company

6 months – 70 years
Travel Prime Super Age Policy
without age limit
Bharti AXA General Insurance Company
3 month – 85 years
Cholamandalam MS General Insurance Company
0 month – 70 years
Cigna TTK Health Insurance Limited
0 month – 75 years
Go Digit General Insurance Limited
0 month – 99 years
Future Generali India Insurance Company
6 months – 70 years
HDFC ERGO General Insurance Company
3 months – 70 years
ICICI Lombard General Insurance Company
3 months – 50 years
Policies for Schengen Countries
51-85 years
IFFCO - Tokio General Insurance Company
3 months – 70 years

National Insurance Company

6 months – 60 years
Schengen Plan
61- 80 years

Reliance General Insurance Company

3 months – 70 years
Travel Care Policy - Schengen Plan
up to 71-80years
Religare Health Insurance Company All Plans
without age limit

Royal Sundaram Alliance Insurance Company

3 months – 70 years
SBI General Insurance Company
6 months – 70 years

Star Health & Allied Insurance Company

6 months – 70 years

Tata AIG General Insurance Company

6 months – 55 years
Travel Guard (without Sublimits)
56-70 years
Travel Guard Senior (without Sublimits)
71years and above
The New India Assurance Company
6 months – 70 years

The Oriental Insurance Company

6 months – 60 years
United India Insurance Company
without age limit
Universal Sompo General Insurance Company
0 month – 95 years

This list is applied by the Schengen States of Austria, Belgium, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland as well as the European Union Member States of Bulgaria, Croatia, Cyprus and Romania.

Consular Posts of Schengen States approved the travel medical insurance policy schemes for corporate travels of travel insurance companies on this list with 70 years of age as upper limit of appropriate full coverage. Acceptance of travel medical insurance policy schemes for group travels (e.g. tour or incentive groups) with 70 years of age as upper limit of appropriate full coverage is conditioned by the Consular Posts of Schengen States ability to check the coverage of individual members of these groups in the Travel Insurance Portals of Non-Life Insurers of the General Insurance Council. Failure of this verification may lead the Consular Posts of Schengen States to the request of submitting a new travel medical insurance policy for the visa procedure.

Visa applicants are advised to note that other travel medical insurances issued by Indian insurance companies are not accepted for Schengen visa procedure. However, visa applicants may seek to obtain insurance in any other country where claims against the insurance company would be recoverable in a Schengen State.

NOTE:

Visa applicants for a Schengen visa for one or two entries shall prove that they are in possession of adequate and valid travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay(s) on the territory of the Schengen States. Visa applicants for a uniform visa for more than two entries (multiple entries) shall prove that they are in possession of adequate and valid travel medical insurance covering the period of their first intended visit. In addition, such applicants shall sign the statement, set out in the application form, declaring that they are aware of the need to be in possession of travel medical insurance for subsequent stays. The insurance shall be valid throughout the territory of the Schengen States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30 000. Applicants shall, in principle, take out insurance in their country of residence. Where this is not possible, they shall seek to obtain insurance in any other country. When assessing whether the insurance cover is adequate, consulates shall ascertain whether claims against the insurance company would be recoverable in a Schengen State.

**This note makes reference to Article 15 of Regulation 810/2009 of the European Parliament and of the Council of 13 July 2009 establishing a Community Code on Visas.**

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