What kind of routine medical procedures can I expect my toddler to have to go through?

[Mummy3574]

Odd question, I know. Basically we're moving abroad for 2 years and need medical insurance because EVERYTHING is billed for. I am really, really struggling to understand all the terms and figure out what kind of coverage we need for him.

He had a rough start to life and has a genetic condition that makes him more susceptible to anaemia under certain circumstances. But he's otherwise very healthy. He's a 2yo tearaway though and I worry about broken bones, gashes, the usual stuff.

What else should I be thinking about? Is it quite likely he'll be hospitalised at some point for an infection or illness?

What country are you going to? Might be worth asking on the Living Overseas section.

I did ask there but still waiting for a response. I guess it's a more general question about if you have a relatively healthy toddler, how often did they go to the GP/hospital and why?

As a nervous mum, I took baby to GP and A&E a several times - then relaxed a bit and he hasn't been in a year. I think these kind of costs add up quickly so I'm just trying to think of everything and cover all bases if I can.

OK. I have three children, we were at the doctors 6 weeks with DS1 up to the age of 3 when we sought nutrition, osteopath and homoeopath care instead so personally, I would get one that covered complementary therapies as well. DD has only been to the doctor for regular check-ups and the occasional strep throat needing antibiotics and once for a very expensive whooping cough test which turned out to be negative. DS2 has food allergies, asthma, A&E visit for a badly cut finger, operation for undescended testicles age 3.5 and ambulance trip for asthma. The ambulance ride alone was £700. The costs that are billed can really add up, especially if it is the norm for everyone to have insurance cover. Doctor's can and do charge what they like as 'its covered by your insurance.' Single specialist visits can be £250, blood tests can be several hundred and depending on the reason for the hospital visit, these can easily run into thousands.

DD is 3 and has had antibiotics on 3 occasions. The second time she ended up in hospital for 48 hours on a drip. She has had a few GP appointments for suspected chest/ear infections and to check reactions to immunisations. She has had a few audiology appointment and will need to see ENT in the future.

Will you need to pay for pre school booster vaccinations at 3.5 years old?

My ds1 has had 2 hernia ops, glue on his chin when he split it open and an xray when he swallowed 10p

Dd was bitten by a dog and needed a trip to a&e plus antibiotics, a glued lip when she split it open and a pulled elbow that needed repositioning at the walk on clinic.

Ds2 okay so far.....