At least €30,000 (approx. $32,000 or AED 122,000) for medical emergencies.

Your insurance policy must meet the following strict criteria defined by EU regulations:

Securing travel insurance is a mandatory step in the Schengen visa application process. Without a policy that meets specific European Union criteria, your visa application will be denied.

Must cover emergency medical expenses, urgent hospital treatment, and repatriation for medical reasons or in the event of death.

It must cover the entire period of your stay in the Schengen Area. Step-by-Step Buying Guide Travel Insurance for Schengen VISA from India - HDFC Ergo

The policy must be valid across all 29 Schengen countries , even if you only plan to visit one.