I agonised about travel insurance, then decided it sounded too hard to get insurance when I was going for a medical procedure, so I decided not to do anything risky in my free time and keep my fingers crossed I didn't fall and break something.
What I did do, was renew my EHIC or European Health Insurance Card. That means you get treatment for the same price as a local. There are dodgy links so to be sure I got to the right government page I went via MoneySavingExpert http://www.moneysavingexpert.com/travel/free-ehic-card, where you can also find out more about what an EHIC is. There is an NHS page on German healthcare, if you want to check up in advance the details of what the EHIC provides.
The form takes only a few minutes to fill out and the plastic card came within a week.
The EHIC doesn't affect the price Hanse charge, so they didn't need to know about it.
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