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Mandatory travel insurance for Schengen visa

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I am about to apply from India for a Schengen visa for our family of 5. There is this mandatory Schengen insurance certificate which is required to be submitted along with the visa application.

Prior to reaching Schengen countries, I am visiting Dubai for 4 days and UK for 20 days (Schengen for 33 days). My question is if I buy the Schengen insurance, i need to buy again separate insurance for UK and Dubai. Though it is not mandatory, I will be buying it.

Should I look for one insurance policy which covers my all three destinations or buy separate? Or one combined insurance for UK and Schengen? Any suggestions on the best policy offers which can take care of my requirements both mandatory schengen and others.

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