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Information on Travel Medical Insurance

01.07.2022 - Article

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 of July 2022.

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 JULY 2022

Acko General Insurance Ltd.
91 days to no limit
Aditya Birla Health insurance company
No age limit

Bajaj Allianz General Insurance Company

6 months – 70 years 
Travel Prime Super Age Policy without age limit
Care Health Insurance Limited
All Plans without age limit
Bharti AXA General Insurance Company
3 month – 85 years
Cholamandalam MS General Insurance Company
0 month – 70 years
CoCo by Navi General Insurance Co. Ltd
91 days to 85 years
GO Digit General Insurance Ltd.0 month – 99 years
HDFC ERGO General Insurance Co. Ltd. 
3 months – 70 years
ICICI Lombard General Insurance Company3 months – 50 years
Policies for Schengen Countries 51-85 years
IFFCO - Tokio General Insurance Company
3 months – 70 years
Manipal Cigna Health Insurance Company Limited
0 month – 95 years
Niva Bupa Health Insurance Co. Ltd.
Max entry age 65 years with lifelong renewability

National Insurance Co. Ltd.

6 months – 60 years, Schengen Plan 61- 80 years
The New India Assurance Co. Ltd.
6 months – 70 years
The Oriental Insurance Co. Ltd. 
6 months – 60 years

Reliance General Insurance Co. Ltd. 

3 months – 70 years, Travel Care Policy - Schengen Plan up to 71-80years
Royal Sundaram General Insurance Company Ltd
3 months – 100 years
SBI General Insurance Co. Ltd.
6 months – 70 years

Star Health & Allied Insurance Co. Ltd

6 months – 70 years
Tata-AIG General Insurance Co. Ltd.6 months – 55 years
Travel Guard (without Sublimits) 56-70 years
Travel Guard Senior (without Sublimits) 71years and above

United India Insurance Co. Ltd.

without age limit
Universal Sompo General Insurance Co. Ltd.

0 month – 70 years
Future Generali India Insurance Company Ltd.6 months – 70 years

Edelweiss General Insurance Company Ltd.

5yrs – 45 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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