We recommend that you first check with your health insurance company about their benefits abroad. Treatments and other medical services outside of Germany, Austria or Switzerland can be expensive and are usually not covered by your normal health or accident insurance.
Treatment and repatriation insurance provides assistance in the event of an accident on the spot, which you, your companions or relatives suffer (eg medical advances abroad, repatriation, early return in case of illness of a relative, private liability, legal protection, etc.).
Some credit cards already include insurance that covers these points. Please inform yourself for this at your bank.