Not necessary but some countries have a deductible. Like in the Netherlands hospitals will charge you up to €380 and only claim the costs above that amount from your insurer. So cheaper to get travel insurance.
If that’s all you’re worried about then paying a insurance 20-80€ a year to insure a risk of 380€ would be a pretty stupid idea, and on average certainly not cheaper
Not necessary but some countries have a deductible. Like in the Netherlands hospitals will charge you up to €380 and only claim the costs above that amount from your insurer. So cheaper to get travel insurance.
If that’s all you’re worried about then paying a insurance 20-80€ a year to insure a risk of 380€ would be a pretty stupid idea, and on average certainly not cheaper