How much does childbirth cost? How to reduce the amount of self -pay
Before and after childbirth, you will need a lot of money, such as medical examinations, hospitalization for childbirth, and baby goods.
It is safe if you have any savings, but if you do not use public assistance well, you can significantly reduce economic concerns. Let's check the estimate of the self -paid amount while organizing what kind of assistance is available.
What costs do you need before and after giving birth?
During pregnancy, I regularly consult a pregnancy checkup to check the health of my mom and my baby.
Maternity supplies such as pre -childbirth and underwear for pregnant women are required according to the changing body type, so it is expensive to buy them. It is common to prepare baby items used after childbirth before giving birth.
When giving birth, the so -called “childbirth cost”, such as hospitalization expenses, delivery expenses, and treatment fees.
After childbirth, consumables such as baby diapers, milk, and consumables such as pads and breast milk pads used by moms are required at any time.
How much does it cost?
The biggest expense is childbirth cost.
Depending on whether it is a public hospital such as a national government or a private hospital such as a private university hospital or a medical corporation hospital, there are regional differences, but the Ministry of Health, Labor and Welfare "Survey on grasping the actual situation of childbirth cost (3rd year)According to ", the average national average is about 480,000 yen.
Pregnant women's medical examinations are generally consulted about 14 times during pregnancy, but the test content and costs vary depending on the number of weeks, and there are differences depending on the medical institution. The price per time is about 3,000-5,000 yen at the lowest time, and about 10,000 to 40,000 yen in many cases.
Although the local government has provided cost assistance, it is not a full amount of self -pay, but according to the experiences of senior moms, it is often necessary to pay around several thousand yen to 10,000 yen each time.
Maternity and baby products vary depending on what they buy, but they usually fit in about 30,000 to 50,000 yen. When purchasing a child seat, stroller, hug, etc., it costs about 20,000 to 30,000 yen each time the item increases. Some products are expensive depending on the functionality and brands, and some cost 50,000 to 70,000 yen.
Is there a public economic support?
If you join social insurance and National Health Insurance (including joining as a dependent) and gives birth after 22 weeks of pregnancy, after giving birth, up to 500,000 yen per child. Will be paid.
There is also a system that is paid directly to the medical institution that gave birth, so if you use it, you will not need to pay at the window when you leave the hospital.
Before giving birth, you only need to submit your insurance card and necessary documents to the hospital, so the procedure is easy. However, there are some hospitals that are not available, so don't forget to check in advance.
If you do not use a direct payment system, you need to pay for childbirth.
The person who has the health insurance of the National Health Insurance Association or the dependent of the insured person is expected to pay for childbirth and childcare, 4 months (85 days) and within one month until the childbirth date. The condition is that you need to pay temporary payment to hospitals. In 10,000 yen, you can borrow 80 % of the expected amount of childbirth and childcare lump -sum payment.
Basically, medical examinations and treatments related to childbirth are not covered by insurance, but if treatment is required, such as severe evil or imminent miscarriage, if the amount of self -pay for one month exceeds the amount of self -pay, the high medical expenses system will be the system. It will be eligible. Submit the required documents to the health insurance you have and apply.
Childbirth cost is also eligible for medical expenses deduction. If the medical expenses paid in the year exceed a certain amount, if you apply for a tax return, the money will return as an income deduction.
If your mom is working and taking a break from the company for childbirth, 2/3 equivalent of the standard remuneration x the number of days of resting will be paid as a childbirth allowance. The target is from 42 days before the birth date or the expected date of childbirth to 56 days after childbirth. Apply to the health insurance association you are joining.
What kind of assistance can be received from local governments?
Depending on the municipality, it may assist the transportation expenses for medical examinations or outpatients.
There is also a national measure called childbirth and child -rearing support grants.
With the purpose of developing an environment where all pregnant women and child -rearing families can give birth and child care with peace of mind, a total of 100,000 yen will be paid by 50,000 yen each after pregnancy and after giving birth. The Tokyo Metropolitan Government has paid 100,000 yen after giving birth along with its own addition, so you can receive a total of 150,000 yen.
The grant may be paid as a cash payment or a coupon or a web point, and all are aimed at purchasing childcare -related items and reducing the use of child care support services.
In some local governments, including Tokyo, BABY & ME in point exchange productsBeren series・ONE-S seriesAlso included.
After all, how much is the self -pay?
The birth fee paid at the hospital at the time of childbirth is about 480,000 yen, so if it is not an average amount, it can be covered by a lump -sum payment. The amount of expenses varies depending on the hospital and region where you are hospitalized, so the amount of self -paid will also change.
Maternity supplies and baby products cost 5,000 to 100,000 yen if they are aligned at average price, and if you want to cover child seats, strollers, hugs, etc., it costs around 100,000 yen, but there are 10 childbirth and child -rearing support grants. It is likely that the self -pay will be reduced to about 0,000 to 100,000 yen, as it will be paid for 150,000 yen in Tokyo and 150,000 yen in Tokyo.
Of course, in addition to the representative expenses listed here, it may cost a variety of expenses, and there is no possibility that unexpected situations will occur. Please secure your budget as much as possible and use public economic assistance well, and have a happy encounter with your baby.
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