25 Insurers Approved for Schengen Visa Insurance (India)

One document decides Schengen visa insurance acceptance in India, not each consulate separately. The German Mission in India's approved list names 25 Indian insurers for Schengen visa travel medical insurance, effective July 2022, applied by all 30 processing states. A policy must show €30,000 cover (₹32,86,485 at the 31 July 2026 rate), Schengen-wide validity and full-trip duration. Buy from a company on that list, in the exact product it names, and check your own age against the band beside it. Everything below, from Tata AIG and Acko to what gets a policy turned away at the counter, is that one list applied to your trip.

This page answers schengen visa insurance — which insurer your consulate accepts, and how you prove it — against one dated, official document, not a folk list assembled from insurer marketing pages. The 25 companies and the 30 states are that document's own statement of its reach, published at india.diplo.de and checked live on 1 August 2026.

Is your insurer on the approved list? — check it here#

Check your Schengen visa insurance policy against three things, in this order: the insurer's name, your age against that insurer's band, and the exact product name. The German Mission in India's page on travel medical insurance is the one official, currently-dated document you can check directly. It names 25 companies, states the age range each one covers, and says plainly: "German Missions accept Indian Travel Medical Insurances only from approved Indian Travel Insurance companies." The same page names the 30 states that apply the list — 26 it groups as Schengen states, plus Bulgaria, Croatia, Cyprus and Romania, which it groups separately as EU member states. That grouping is the document's own, as of July 2022, and Schengen membership has moved since; for your file what matters is that all 30 apply the same list. That is the entire admissibility question, verified live on 1 August 2026. Search behaviour around consulate accepted insurance India assumes one master list per country. There is exactly one master list, held by the German Mission, not by any single consulate.

Run the check in three moves. First, is your insurer's name — not a sister brand, not a broker selling on its behalf — one of the 25 in the accepted insurers list further down this page. Second, does your age sit inside the band listed beside that insurer? Several split the range, with a separate named senior product picking up where the standard one stops. Third, does your policy schedule show the exact product name the list specifies, such as "Travel Guard (without Sublimits)" or a "Schengen Plan," rather than a generic domestic or worldwide travel policy sold by the same company. A yes on all three clears the first hurdle; the next sections work through the coverage rule itself, the ₹ conversion, and the full table.

Inclusion in the table below is not a recommendation and cannot be purchased through this page. It records what the consular missions' own published list says, on a stated date, and nothing about which policy is the best value — that is a separate question this page does not answer.

What the rule actually requires#

Four conditions define compliant Schengen visa insurance, not consulate discretion. Article 15 of Regulation (EC) 810/2009 — the Visa Code — sets them out, and it is worth reading in the regulation's own words rather than an insurer's paraphrase. Paragraph 1 names what the cover has to reach: "repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death." Paragraph 3 fixes the other three conditions in two sentences: "The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person's intended stay or transit. The minimum coverage shall be EUR 30 000." That is the EUR 30000 medical coverage floor — the regulation's figure, not a consulate's preference, and not a target you negotiate at the counter. Article 15 is still live law: Regulation (EU) 2019/1155 amended paragraph 2 and left the rest of the article standing, as the consolidated text of the Visa Code shows.

The German Mission's own page repeats this verbatim and adds one practical note the regulation itself does not spell out. Applicants should, in principle, insure in their country of residence — India, for almost every reader of this page. Consulates then check whether a claim against the insurer would actually be recoverable inside a Schengen state. That recoverability test is the real reason the approved-company list exists at all: not every Indian insurer's claims process reaches a hospital in Lisbon or Helsinki, and the list exists to pre-clear the ones that do.

Multi-entry visas relax one part of this, not all of it. A single or double-entry visa needs cover for the whole trip before travel begins. A multi-entry visa — increasingly common for Indian applicants under the cascade regime covered on Schengen visa approval rates by country — only needs cover for the first intended visit; the application form itself carries a signed declaration that the applicant understands they need insurance for every subsequent trip too. Skipping that declaration, not skipping future insurance, is the actual paperwork risk on a multi-entry file.

€30,000 in rupees, and why "is ₹2 lakh enough" is the wrong question#

€30,000 in rupees converts to ₹32,86,485 at the European Central Bank's reference rate for 31 July 2026 (€1 = ₹109.5495) — not the ₹1-2 lakh sum insured that a default domestic-style travel policy in India typically carries. Run the conversion the other way and the mismatch is obvious: ₹2,00,000 works out to roughly €1,826 at the same rate, about 6% of the legal minimum. The question the audience actually asks — is ₹2 lakh insurance enough for a Schengen visa — has an unambiguous no behind it. It gets asked at all because of a unit mismatch, not a shortage of research: Indian travel insurance marketing defaults to a rupee sum insured, because that is what a domestic claim gets settled in, while the Schengen requirement is fixed in euros and has to be read off the policy schedule in euros.

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The fix is mechanical, not financial. Buy a policy that states its Schengen cover explicitly in euros at or above €30,000 on the schedule page — every insurer in the table below sells one — rather than reasoning from a rupee figure that was never the relevant currency to begin with. ₹32,86,485 sounds large next to a typical Indian family floater policy, but it is a ceiling the insurer is obligated to pay toward on a claim. It is not a deposit, and not a bank balance you have to hold. See bank balance required for a Schengen visa for the separate, actual funds-in-hand question. The two numbers are unrelated, and confusing them is the second most common version of this same mistake.

The approved list, state by state#

You would reasonably assume your own consulate keeps its own separate insurance list, because every consulate publishes its own separate document checklist. Insurance does not work quite that way, and the bigger trap is not consulate-by-consulate variation. It is date. At least two different versions of the same official list circulate, and the SERP for this exact query serves the older one at position 2.

This page is often searched for as the VFS approved list of Indian travel insurance companies, and VFS Global genuinely does publish one: a PDF at vfsglobal.com, ranking #2 organically for "which travel insurance is accepted for schengen visa india" in the 31 July 2026 snapshot behind this page. Its header reads "EFFECTIVE OF 01ST FEBRUAR 2018" — the typo is the document's own. The German Mission in India's own site carries two different pages on the same subject, both checked directly on 1 August 2026. One, titled "Services," reproduces that same 22-company table and dates it 1 February 2018. A separate page, "Information on Travel Medical Insurance," carries a materially different 25-company list headed "effective of July 2022." The VFS PDF and that July 2022 page name the same 30 applying states and cite Article 15 of Regulation 810/2009 in the same footnote; the German Mission's own 2018 page carries the table alone, without either. What changed between the two dates is the roster of companies, not the rule or its reach. This article treats the July 2022 page as current, since it is the later-dated document and nothing on either 2018 version states it remains in force.

VFS's live application-flow pages do not fix this gap; they sidestep it. The country-specific travel-insurance pages checked for this article on 1 August 2026 — Germany, the Netherlands, Italy, France, Spain, Switzerland, Austria and Portugal, eight member states — name no insurer at all, routing you instead to a partner marketplace. Follow the #2 organic result and you are reading a roster that predates eight of the 25 companies now approved. Use VFS's live booking flow and you get no named insurer to check against. The July 2022 page is the one document in this chain that both names companies and carries the recent date.

Source: German Mission in India (Federal Foreign Office / Auswärtiges Amt), "Information on Travel Medical Insurance," india.diplo.de. List effective July 2022; checked live 1 August 2026.

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The same page names the states that apply this list — its own text, not an inference:

That covers Switzerland visa from India, Italy visa from India and Portugal visa from India by name, and every other Schengen country's application besides. Spain's own foreign-ministry site and Hungary's mission in Delhi were checked directly for this page. Neither yielded a separate, independently-hosted insurer list of its own at the pages this research could reach — consistent with both simply applying the harmonised document above rather than maintaining a parallel one, though this article states that as "not found," not as "confirmed absent." If any single consulate ever publishes a divergent instruction, that consulate's own current page controls for that one application; nothing on this page overrides a specific mission's own published instructions.

The two dated versions differ by more than a handful of names. Five companies named on the February 2018 list do not appear anywhere on the July 2022 one, and eight companies on the July 2022 list do not appear on the 2018 one at all. Read the table below as list membership on two dates, and as nothing else. This research did not verify whether any 2018 name and any 2022 name are the same underlying insurer after a rebrand, a merger or an acquisition — that is a corporate-history question outside what either dated document states, and neither document says a word about it. A company in the left column has not been "banned," and one in the right column is not necessarily "new." Each is simply named on one dated list and not on the other.

Source: VFS Global PDF, vfsglobal.com/luxembourg/india/pdf/list-of-indian-travel-insurance.pdf (effective 1 February 2018), against india.diplo.de, "Information on Travel Medical Insurance" (effective July 2022). Both checked live 1 August 2026.

Is Tata AIG accepted? Is Acko?#

Yes to both, with one age-band catch on each. Tata-AIG General Insurance Co. Ltd. sits on the July 2022 approved list for ages 6 months to 55 years under its standard product. Travellers aged 56 to 70 need the specifically named "Travel Guard (without Sublimits)" plan, and travellers 71 and above need "Travel Guard Senior (without Sublimits)" — three different product names for three different age bands, all from the same insurer, all on the approved list, none of them interchangeable at the counter.

Is Acko accepted, the second brand question this SERP asks by name? Yes, unconditionally on age, which is rarer than it looks: Acko General Insurance Ltd. is on the same list with no upper age limit at all, cover running from 91 days old. That is the broadest age range of any company on the table; Bajaj Allianz, HDFC ERGO and most of the rest cap their standard product somewhere between 70 and 100. Both brand questions resolve the same way. Acceptance is not in doubt for either company. The age band and the exact named product are, and only you — not the insurer's own marketing page — have any incentive to get that right before you submit.

Why no insurer's own page can answer this#

Every commercial insurance page on this topic sells one policy, so none of them can honestly rank the other 24 companies above or below their own. ICICI Lombard's page explains ICICI Lombard's cover; Tata AIG's explains Tata AIG's; comparison-style pages from aggregators still terminate in their own quote funnel. That is not a criticism of any one insurer — it is simply what a commercial page is built to do. It means the honest answer to which insurer does my consulate accept for Schengen visa insurance has to come from a source that sells nothing, and in this market almost nothing does.

VFS Global is the closest thing to neutral in this market — the appointment gateway you pass through anyway, with no commercial reason to favour one insurer over another. It is also the clearest illustration that neutral is not the same as accurate. Its indexed PDF is neutral and four years stale; its live pages are neutral and name nobody. Neutrality is necessary here, and on its own it is not enough.

Reading a policy for the four conditions#

One page of a policy schedule — the certificate, not the full terms document — carries everything a consulate checks. Read it for these four items, in order:

1. Sum insured. Your schedule states a figure in euros (or an equivalent the insurer converts and states) at or above €30,000 — ₹32,86,485 at the rate above. If your certificate shows only a ₹ figure with no euro equivalent, ask the insurer to reissue it showing the euro sum insured before you submit. A consulate is checking the regulation's currency, not a converted approximation you supply at the counter.

1. Territorial validity. Your schedule needs to show policy validity for entire Schengen area coverage — "Schengen states," "Schengen area," or every member state named — not the one country being applied through. A certificate scoped to a single country, even if it is the main destination, fails this condition regardless of the sum insured.

1. Duration. Your schedule has to provide coverage for whole stay dates, door to door, matching your actual travel dates rather than the visa's validity window, which is typically longer than the trip itself. A policy with even a one-day gap against your real travel dates does not satisfy Article 15's own wording: "the entire period of the person's intended stay or transit."

1. Named perils. Your schedule explicitly lists repatriation cover for medical reasons, urgent medical attention, emergency hospital treatment, and death — the exact four items Article 15 names. A generic "medical expenses" line without these named separately is worth a call to your insurer before you submit, not an assumption that implication covers it.

All four conditions have to hold on the same document at the same time. A policy that clears three out of four is, for visa purposes, a policy that fails.

Deductibles, sub-limits and product-level compliance#

Being on the approved list means the company is approved — not that every travel product that company sells automatically qualifies. Several entries on the list above name a specific compliant product rather than the insurer's whole range: Tata-AIG's compliant product for older travellers is explicitly named "Travel Guard (without Sublimits)," not its standard Travel Guard; IndusInd's is the "Travel Care Policy – Schengen Plan"; National Insurance's is its "Schengen Plan." The naming itself is the signal. An insurer that builds and names a distinct Schengen-compliant product, with sub-limits specifically stripped out for older age bands, is telling you its ordinary domestic or worldwide plan does not automatically clear the bar — and before assuming any company on the list clears the travel medical insurance Schengen requirements set out in Article 15, match the product name, not just the company name.

Article 15 does not itself use the word deductible — the regulation sets a minimum sum insured, not a claims-processing mechanic. Some insurer marketing pages summarise this as deductible not allowed, which is not the regulation's own phrase but is a fair practical summary of it: a policy with per-claim sub-limits, or a deductible large enough to leave the insurer's effective payout below €30,000 on a real claim, is exactly what the "without Sublimits" naming exists to rule out. The safest reading is to match the exact product name on the approved list and treat a policy where sub-limits have been removed for an extra premium as the one actually required, not as an optional upsell.

Cost in ₹ for a 10-day, 30-day and multi-entry policy#

What a consulate requires and what an insurer charges are two different numbers. Two companies on the approved list carried an advertised starting price in their own page titles in the 31 July 2026 SERP snapshot behind this article: IndusInd at "₹401" and Acko at "₹364". Both figures carry the insurer's own asterisk, and this article did not verify what that asterisk qualifies. Treat them as advertised marketing figures captured on one date — not quotes, not a like-for-like comparison, and not a recommendation of either company. A starting price tells you nothing about the premium you would actually be charged, and nothing at all about admissibility, which is the only question this page answers. Schengen visa insurance premiums across all 25 companies above are individually rated by age, trip length and the sum insured chosen, and no insurer publishes a rate card broken out by exactly 10-day, 30-day and multi-entry bands, which is why this page does not attempt to build one. What stays fixed, regardless of insurer or premium, is the government-side requirement itself:

Get an exact premium from an insurer on the approved list above, matched to actual age and trip length. The figure a consulate checks is the sum insured printed on the schedule, not what was paid for it.

If the policy is rejected when you submit#

Insurance rejection at submission is usually a same-day, fixable problem, not a lost appointment — if it is caught before leaving the building. VFS centres route insurance shortfalls back through the same channel VFS itself uses on its own site: a partner marketplace offering a digital certificate from an approved-list insurer, purchasable on the spot in configurations some centres support. Confirm with the specific VFS centre handling a given consulate whether same-day issuance is actually available there before relying on it — VFS's public pages describe the marketplace hand-off but do not commit to same-day issuance as a guarantee.

Where no same-day fix is available, the practical options are the same as for any incomplete document. Ask whether the centre will accept the file with the insurance page flagged for follow-up, which is rare and entirely consulate-dependent, or reschedule once a compliant certificate is in hand. Neither VFS nor this page can promise a slot will still be available on short notice. See Schengen visa documents required from India for the rest of the file that has to be complete at the same time as the insurance page, and Schengen visa refusal appeal India for what to do if a refusal happens anyway, for reasons unrelated to insurance.

The approved-insurer list and the four-condition rule verified 1 August 2026 against india.diplo.de and VFS Global's own pages; Article 15 verified against Regulation (EC) 810/2009; the €30,000 conversion verified against the European Central Bank's reference rate for 31 July 2026.

Sources cited only — expert review pending. For individualized advice, consult a licensed professional. Insurer lists, exchange rates and consulate practice change without notice; verify against india.diplo.de and the relevant consulate before you act on anything here.