What accident insurance should I buy when traveling to Germany?

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Hello, the following two products are suitable for going to Germany with comprehensive protection.

Meiya "Bright Future" Overseas Students Protection Plan (comprehensive plan 1), this product is suitable for all-round protection in the first 6 months. Provide protection for accidental injury, medical expenses, personal responsibility, compensation for academic interruption expenses and emergency rescue during study abroad. The accidental injury insurance premium is 6,543,800 yuan, and the medical expenses insurance premium is 6,543,800 yuan; In addition to the property loss insurance of 4,000 yuan, there is a special additional personal responsibility of 200,000 yuan; Covering 30,000 yuan of compensation insurance for academic interruption expenses, with no maximum stay limit. Product details: Sunshine Travel Sunshine AXA Overseas Travel Insurance (Global Adult Program 2) is a very suitable insurance product for studying abroad, with comprehensive protection and no maximum travel time limit throughout the year. Accident insurance is 250,000 yuan (aviation accident double indemnity) and medical insurance is 300,000 yuan; 24-hour emergency rescue service is 300 thousand, and medical expenses are paid in advance; Covers flight delays, property losses, personal responsibilities and other comprehensive protection: there is no maximum time limit for travel throughout the year.

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