Nina is planning a two-month language course abroad in order to help move her career forward. She has taken care of the necessary insurance policies in advance.
It's possible that Nina could have an accident or become ill shortly before beginning her language course abroad, and therefore not be able to make the trip. In that case, she would be forced to cancel or postpone her plans. Cancellation is generally possible, but usually only with significant financial consequences. It's here that the Assistance insurance comes into its own and covers the costs of any semester or course fees, for example, that have already been paid.
During her language course abroad, Nina has a fall while walking in the mountains. At first she thought it was just a sprain. But the foot kept swelling and a visit to a doctor or hospital became unavoidable. The foot was actually broken and had to be put in a cast. In the worst case, Nina would have had to cut short her stay. With the Assistance insurance, she would have been refunded the cost of flights home booked at short notice, for example, as well as any arrangements paid for in advance.
Recreational activities in foreign climes are always a bit more special than at home. Unfortunately though, with an unusual sport or in an unfamiliar environment things can often happen quickly: Nina accidentally shatters the window of her rented bungalow while playing volleyball, or collides with a pedestrian while out on her bike. Fortunately, the private liability insurance covers property damage and bodily injury worldwide, so Nina can sit back and relax.