I am a foreign medical student in an observership in the U.S. What kind of insurance do I need?
There are two types of insurance that you should consider – medical liability coverage for patient care activities, and health insurance for medical care that you may need. If you serve as an observer at a medical school or residency program, it is likely you would be asked to obtain liability coverage, and the school or program should have information for you on how to obtain the coverage. If you are interested in health insurance, the school may be able to assist you with that as well. If you work directly with a physician, that physician should check with the insurance company that provides his/her liability coverage to see if your observership is covered. If you don’t directly participate in patient care, it’s possible that you may not need to carry liability coverage yourself. If you are looking for health insurance for yourself, the physician may be able to add you to the plan that covers his/her staff. Or you may obtain health insurance coverage directly from a number of insuran
