Thanks for your query.Based on the facts that you have posted it appears that your son has Inguinal Hernia
The only treatment option for hernia is surgery.
As regards the expenses incurred I can not make comment on it as I have no idea of charges of surgery in ac country where you are living
As regards the insurance coverage normally the insurance coverage for surgery or any major hospital expenses are covered six months after getting insured.
Please enquire with insurance agency or company regarding the premium and other aspects.