Whether you need travel insurance for your stay in Germany depends on your nationality.
If you come from a country that requires a visa to enter Germany, you must take out travel insurance before your trip – covering the entire duration of your stay. Without it, you won’t be granted a visa. This rule applies regardless of the purpose of your visit.
If you're from an EU country, your domestic insurance usually covers you in Germany. However, it might not include all risks – such as costly return transport. That’s why it’s often recommended to get an additional travel insurance package.