Hi thanks for writing to Practo consult. Do read my article it may help you.."Common Cold: Its Very Common, Don't Panic" by Dr. Poonam.M. Sambhaji - https://www.practo.com/healthfeed/common-cold-its-very-common-don-t-panic-8682/post
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any case baby has yo be assesed by pediatrician. Not having insurance is not a valid reason. there are govt hospital with pediatrician facility.