Is it necessary to crouch or duck when entering a live helicopter?

YES. If you value your head…

Even with larger helicopters where the rotor disc SHOULD be well overhead, certain conditions such as wind or holding position on a slope can cause the rotor disc to have a substantial tilt, bringing the blades MUCH closer to the ground than you would think.

Approach ONLY when and from the direction signaled by the pilot (who is the only one who knows what control inputs he is making, and thus where the blades will be.) With rotors, props, and jet wash, you usually only get one mistake so caution is indicated.