Who told you you had to have this?
I'm not an expert but tourist visas are not linked to any insurance as far as I'm aware.
Of course, if you need emergency health care while in a foreign country and don't have insurance then you might be looking at huge bills to pay.
Source: http://www.fodors.com/community/europe/world-wide-travel-insurance-for-schengen-visa.cfm
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