student residence permit,insurance,urgent

[smokingkills]

i ve made my permit application a week before.

my studies will be more than two years so my insurance should cover at least 30.000€ and my insurance covers up to 75.000€
however,there is an exemption of 2500€ (for example,if i need to stay at hospital and the bill is 3000€ i need to pay 2500€ and the insurance company will pay the rest of the bill.) THIS EXEMPTION could be a problem?

and i heard that people make travel health insurance which is cheap but i made 'real' health insurance. maybe i should also make the travel health insurance?

this is urgent so please answer if you know anything about these.

thanks in advance

[smokingkills]

edited.