Please help - Schengen visa application

Hi - has any applied for Schengen visa through French consulate? They request for a letter from insurance company claiming that all the medical, urgent care and repatriation expenses will be covered. They specifically request that those three words should be included in the letter. However, it is not a standard policy to cover repatriation expenses. Will my visa application be denied if the letter does not include "repatriation expenses"?

What is your experience and recommendation? Thank you!