When you pay for private health insurance, you might assume you'll be well covered if you get injured or fall ill. But a new report has revealed the huge costs that catch people off guard, and sometimes prevent them from receiving care. Also, a study hints that constant colds in childhood might not be business-as-usual and should be taken more seriously. And we talk through the Nipah virus outbreak in India, and changes in Victoria to ADHD medication prescribing. References: Nipah and Hendra Viruses: Deadly Zoonotic Paramyxoviruses with the Potential to Cause the Next Pandemic - PMC Urgent ADHD Top-Up Prescriptions Even Easier And Cheaper Restoring affordable access to specialist care in Australia Burden of Infections in Early Life and Risk of Infections and Systemic Antibiotics Use in Childhood