I think you‘re a bit informed wrong. Just read here how much treatment in a hospital can cost you in relation to a one year premium cost for good insurance here.
Normal Tourists should have a travel insurance either already covered by their own health insurance policy or if not just make one for little money together with their travel agency they book the trip wherever it goes. I just don‘t understand how people can even ask sich questions whether they need travel insurance or not 🤦🏻♀️