Parents might not like it, but we all know it’s common for kids to need surgery in their younger years,
particularly for their ears, nose and throat.
To help you prepare for whatever might come your way, we’ve run our numbers and found some of the most
common hospital claims for children under 10 years old.
Get your family covered for these procedures and you’ll help ensure your children don’t need to wait
any longer than they have to in order to get seen.
1. Removal of Tonsils
Tonsillectomy is one of the more common kids’ surgical procedures in Western Australia.
Symptoms of infected tonsils, or tonsillitis, include sore throat, fever, disturbed sleep, and a vulnerability to
other infections. So when a child’s tonsils get irritated, they can
literally become a pain in the neck.
If these symptoms get bad enough, or cause complications, your doctor may recommend surgical removal. This is
usually only an option for severe cases.
And at that point, you’ll want your child taken care of as soon as possible. A child who can’t sleep
due to tonsil pain and difficulty breathing can become exhausted. This could lead to poor performance in school,
general fussiness, and a rough time for the parents.
Unfortunately, tonsillectomy has got one of the longest wait times in the
WA public hospital system, so it helps if you can use private health
insurance to skip the public wait list.
The good news is that all HBF hospital cover products currently available for sale include coverage for
As an added bonus, on all hospital insurance covers currently available for sale, HBF offers no excess for kids on hospital visits when they are covered under a family or single parent hospital cover.
2. Surgery for ear infections
You probably know at least one parent who’s got an ear infection story. And they might have told you about
their child’s struggle with poor sleep, headaches, fever, loss of balance, and trouble hearing.
These are all common symptoms of an ear infection. If they get bad enough, it can mean a trip to the hospital.
And if your child isn’t seen quickly, those hearing difficulties can lead to speech problems. If a child
can’t hear while they’re learning to speak, they might require speech therapy later on.
Surgery for ear infections usually involves one of two standard procedures. A myringotomy is a small incision to
the ear that lets fluids and pressure drain out. This may be followed by grommet surgery, where a small tube is
inserted into the incision so that it can drain for longer.
It’s worth noting that the public hospital wait time for a
myringotomy can be long – potentially over 100 days long – so it’s worth
considering private cover.
Cover for myringotomy and grommet surgery is included in every level of HBF hospital cover currently available
3. Dental Surgery
Not many people look forward to going to the dentist, but kids especially will not sit still. Nerves, anxiety and
simple fear of the dentist can play a part here.
This can mean the best option is to use general anaesthetic (be ‘put to sleep’) for dental surgery.
If your child requires general anaesthetic, they’ll need to be admitted at a day surgery for treatment.
For day surgeries like this, the accommodation and theatre fees are covered under hospital insurance, while the
procedure itself (such as removing a tooth) is covered under extras.
Coverage for dental surgery starts with HBF’s most affordable cover, Basic Hospital Plus. Different Extras
covers all provide different levels of benefits for these procedures, so it pays to think carefully when
selecting dental coverage.
Speaking of teeth, another thing you might want cover for is braces and orthodontics. This isn’t a hospital
procedure, but it’s still worth mentioning because it’s a big, often costly decision. You’ll
want to plan ahead for it – here’s a blog about the cost of braces
and how to save by looking forward.
Keeping your family healthy
Every parent wants to keep their kids healthy. But the unexpected can happen – and often does when it comes
to young children.
We hope this list of common kids hospital claims helps put you at ease. And to continue helping your family stay
healthy, HBF is here with affordable cover for the whole family.
That's also why, for all hospital insurance covers currently available for sale, we offer no excess on all kids' visits to hospital when they are covered under a family or single parent hospital cover.