I'm sure we handle it for our incoming players, weren't we pioneers of the whole player support services thing?
It's should be handled as part of the loan. I'm sure he club sets them up with housing arrangements, work documents etc.
These guys lives are hectic and they may have shit agents, and I imagine it's a proper hassle sorting out this kind of thing, let alone in a 3rd language.
I don't think it too mollycoddling to tell them what they need to do to get insurance, even if it's just a handbook.
then ask if they've got everything sorted out when the club speaks to them every week, or every few weeks when the scouts watch their games.
If they still fail to do it after that sort of support from the club then it's their own fault and they deserve what they get.
At he end of the day we want to a) make sure they only have to focus on impressing on loan and b) they are a product we own and this kind of behaviour lowers their value and will cost us money if we sell.
As for weeding out idiots, the youth coaches will know exactly what they're like after training with them every day for years and taking them on international trips etc. School teachers know what their pupils are like and there's no difference here really.