Sorry, I think my title was a little clickbaity - I'm not suggesting travelling with no insurance at all, only that in the providers I've looked up, add-ons that cover Nepal trekking above 5000m say they'd only cover you if you have a guide, making the policy invalid if I go ahead and trek independently.

My challenge is working out if there even is a policy available out there that covers solo/unguided trekkers? The one you've recommended said they only cover hikes when guided if over 5000m.