Toyota Hiace tyre size / load index

Hello all, I have already made the same post in the Toyota Forum, but without an answer. Maybe someone can help me here. I own a Toyota Hiace D-4D 4WD built in 2007. It is the long version (LWB). Ex works tyres of the size 195/70R15C are mounted. The total weight is 3000 kg, front axle 1550 kg and rear axle 1760 kg. Currently I drive Pirelli Chrono 195/70R15C with a load index of 102/104. I would like to drive on all-terrain tyres of the size 205/75R 15 or 215/75R15 change. However, I find almost no refien with the mentioned load index. On one side I found the tyre of size 205/75R15 with a load index of 95 to be permissible (see appendix). Can it be that with larger tyres the load index is reduced? Does that make no sense to me, since the tyres have to carry at least the weight of the axle load, or do I get something wrong? Thank you already for your answers.