Do I need to buy insurance by myself when traveling in a group?

This is for sure, and it is a must-buy. Don’t worry if you buy it. The travel agency reminds us when we go out. Should we buy it by ourselves or from a travel agency? We traveled to Turkey last month as a group tour and bought Huatai Insurance from Tongcheng.com. We also bought it from them when we went to South Africa last year. We buy it every year when we go out. .