I am a US citizen and currently doing my internship (equivalent of 4th year of medical school) at an Indian medical school. I took the Step 1 and passed with flying colors, so I'm trying to look for opportunities to apply for clinical externships. I've noticed on most of the applications they ask for liability coverage (I'm assuming this means malpractice insurance.) and personal health insurance. I'm no longer covered under my parents health insurance so I have to buy my own health insurance. Does anyone have any experience buying liability coverage and health insurance or know of any reputable companies to buy this from? Also what's a background check? Is this a security check and how do you get this done? Any help and suggestions are appreciated. Thanks.