Hi,
As per Mumbai consulate site
page.
Certificate about compulsory health insurance (Gesetzliche Krankenversicherung) from German employer valid from date of employment. Please note: If not already included in the compulsory health insurance a separate travel health insurance has to be presented for the time frame from arrival in Germany until beginning of employment (see below).In case of visa approval, you will be requested to present a travel health insurance (Kindly refer to www.india.diplo.de/visa to find out about the travel health insurances accepted)
So their wording is confusing any ways for more details about travel insurance i check their site and got this list of acceptable travel insurers. Please check and take action accordingly -
link.
I am also at intitial stage of applying visa, need some guidance please share your contact details to me on gaurav.sj79@gmail.com