yes but be careful getting cheap , my brother got a cheap policy through poemaininsurance and they wouldn't pay out for a condition for the first 3 months which means you are only getting 9 months cover but pay for 12. You pay for what you get , cheap insurance to get a visa is exactly that cheap and nasty.
No ,but don't be stupid taking a risk , many a tourist have ended up with bad Injuries out here and then wish they had insurance.they also need yo pay for treatment before it's given ------ don't take stupid risks ------
go on the DLT website to book an appointment. Get a residence certificate from your local immigration office and a medical certificate from local hospital or clinic before appointment