My current insurance doesn't fulfill the requirements for a Schengen visa. Can I buy extra insurance in addition to my existing one?

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Having two (or even more insurances) is certainly not illegal: the insurance companies are more than happy to take as much of your money as possible. There might be potential issues if you've arranged the insurances as part of a scam, but that's obviously not the scenario.

So the proper answer is to buy a Schengen travel insurance and use that to get a Schengen visa.

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