It's worth remembering that apart from Yellow Fever and Malaria most of the rest of the recommended jabs are routinely recommended vaccinations for children in the UK. The only reason we don't have problems with polio anymore is because we routinely vaccinate babies against it, GPs work hard out at keeping immunity levels high by gving boosters and we have now achieved herd immunity. Any slacking off in this and polio will re-appear - just as measles now has and has started to kill babies and children again because vaccination levels have dropped below 80% in some areas and herd immunity has been lost.
It makes sense even if you never leave Britain to ensure that you have regular boosters for Polio, Diptheria, Tetanus and increasingly for Hep A and B too. And no-one should venture anywhere were the water supply might be contaminated by sewage without taking the same care with Typhus. And remember that typhus can be carried and transmitted by people who don't necessarily show any symptoms. We had an outbreak at my very British school which was caused by a pupil who had contracted it abroad, never displayed any major symptoms themselves and managed to infect fellow students as result of preparing food on a school holiday!
As for an insurance company having to meet your claim if you got ill as a result of you ignoring medical advice because it was only 'recommended' I can only assume that you've never had to claim! They are in business to make money and not taking medical advice re recommendations with regard to vaccinations etc is the perfect get-out for them. Read the small print and you might well find as I did that, that my annual policy would be invalidated if I ignored medical advice regardless of whether it was compulsory or not. I think you have misunderstood what is meant by 'recommended' - it doesn't mean the same as 'optional'. Just because you don't need to prove on entry to places where diseases which have been largely eradicated in the UK are still rife that you have been innoculated against them, doesn't mean that it is wise to ignore medical advice. And if by any chance, you ignored these recommendations with regard to these sort of precautions would you take such a sanguine view about who was responsible? Or would you attempt to sue the TO for not making it 'compusory' that you take them?
A growing drain on the NHS is people ignoring medical advice and coming back home infected with diseases that then need on-going expensive treatment here. Best to remember that if your docter recommends you take certain precautions they're not doing it for the good of their health but yours and it pays to listen. Most people under the age of 45 in this country have probably never seen a polio case but we had a massive outbreak here in the 50s which at best left many children disabled for life, left others in 'iron lungs' and reliant on artificial respiration for the rest of their shortened lives and quite simply killed a lot of kids too. No one who has seen what polio can do would ever take the recommendation to take precautions against it lightly.
SM