All participants of the KF Exchange Program to the United States are obliged to purchase health and accident insurance coverage. The KF can assist in purchasing the insurance, in which case you will be notified of the amount and extent of your insurance coverage. All questions regarding health and accident insurance coverage should be directed to the insurer and not the KF. It is the participant's responsibility to ensure that the insurer provides adequate insurance for their needs, and to arrange additional coverage if necessary. The Kosciuszko Foundation is not liable for any loss, damage or injury, which a participant may suffer during their time as the KF Exchange Program to the United States participant. By accepting the award, the participant agrees to waive any right they may have to take action against the Kosciuszko Foundation to recover any loss or make any claim for damages.