@Gordie *********
ask yourself what would you do if…
Something unexpected happened that required medical attention. What if you tripped and broke an ankle, were struck whilst crossing the road being 2 examples
Can you comfortably self fund in the event of a medical emergency, what are your visa requirements, all need to be taken into consideration
And define your word ‘Need’
Can you visit without medical insurance, Yes you potentially can but should you?
Only you can answer that