How much does it cost to give birth? How to reduce your self-pay
Before and after giving birth, you will need a lot of money, including health checkups, hospitalization for childbirth, and collect baby goods.
It's safe if you have the money to prepare for savings, but even if you don't, you can greatly reduce your financial worries by making good use of public subsidies. Let's organize what kind of subsidies you will receive and check the estimated amount of your own self-pay.
What are the costs before and after giving birth?
During pregnancy, you will be regularly checked for prenatal checkups to check the health of your mother and baby.
Depending on the changing body type, you will need maternity items such as prenatal clothing and maternity underwear, which is why you will also be charged for purchasing them. It is common to prepare baby products that you will use after giving birth before giving birth.
When giving birth, you will be charged so-called "birth costs" such as hospitalization, childbirth costs, and treatment fees.
After giving birth, consumables such as baby diapers and milk, as well as birth pads and breast milk pads used by mothers will be required at any time.
How much does it cost?
The biggest expense is the birth cost.
It depends on whether it is a public hospital such as a national or public hospital, or a private hospital such as a private university hospital or a medical corporation hospital, and there are some regional differences, but the Ministry of Health, Labor and Welfare says, "Survey on understanding the actual situation of childbirth costs (FY2021)According to the national average, the national average is around 480,000 yen.
It is common for prenatal checkups to be visited about 14 times during pregnancy, but the test content and costs vary depending on the number of weeks and also varies depending on the medical institution. The estimated amount per session is 3,000 to 5,000 yen for the lowest price, and 10,000 to 40,000 yen for the most price.
Since each local government subsidizes costs, the entire amount is not paid by itself, but according to experiences from senior mothers, it seems that payments of around 10,000 to 10,000 yen are often required each time.
Maternity and baby products vary depending on what you buy and how much you buy, but they usually cost around 30,000 to 50,000 yen each. If you are purchasing a child seat, stroller, or baby carrier, each additional item will add about 20,000 to 30,000 yen. Some products are expensive depending on their functionality and brand, and some can cost between 50,000 to 70,000 yen.
Is there any public economic support?
If you are enrolled in social insurance or national health insurance (including joining as a dependent), and give birth after 22 weeks of pregnancy, you will receive a "maternity and child-rearing lump sum payment" of up to 500,000 yen per child after giving birth.
There is also a system where you can pay directly to the medical institution where you gave birth, so if you use this system you don't have to pay at the counter when you leave the hospital, you can feel safe.
The procedure is easy as you simply need to submit your insurance card and necessary documents to the hospital before giving birth. However, please be sure to check in advance as some hospitals are not available.
If you do not use the direct payment system, if you need to pay the childbirth, there is also a birth loan system where you can borrow money without interest until the childbirth and child-rearing lump sum is paid.
The condition is that the person who is enrolled in the National Health Insurance Association's health insurance or the dependent of the insured person is expected to receive a lump sum for childbirth and child-rearing payment, and that a temporary payment must be made to the hospital or other facility within one month of the 4th month of pregnancy (85 days) and within one month until the expected birth date. You can borrow up to 80% of the expected amount of childbirth and child-rearing lump sum payments in increments of 10,000 yen.
Health checkups and treatments related to childbirth are generally not covered by insurance, but if treatment is required, such as serious etiology or threatened miscarriage, if the monthly self-payment limit is exceeded, you will be subject to the high-cost medical care system. Submit the necessary documents to your health insurance and apply.
In addition, birth costs are also subject to medical expenses deduction. If the medical expenses paid over a year exceed a certain amount, if you apply when filing your tax return, you will receive your money as an income deduction.
If a mother is at work and takes time off from work to give birth, the maternity allowance will be paid as maternity allowance, equivalent to 2/3 of the standard daily remuneration and the number of days off. The eligible date is from the 42nd day before the expected birth date to 56th day after the birth. Apply to the health insurance association you are affiliated with.
What subsidies can I receive from local governments?
If you submit a pregnancy notification to the city or town where you live, you will receive a ticket for a pregnancy checkup along with your mother and child health handbook. In many cases, tickets are marked in one round of 14 tickets, and inspection items may be listed or subsidy amounts may be listed.
Some local governments may subsidize transportation costs for health checkups and medical visits.
There are also national policies such as grants for childbirth and child-rearing support.
With the aim of "creating an environment where all pregnant women and families with children can give birth and raise their children in peace," a total of 100,000 yen will be paid, each 50,000 yen at the time of pregnancy and after giving birth. Tokyo, along with its own supplement, provides 100,000 yen after giving birth, so you can receive a total of 150,000 yen in grants.
The grants may be paid in cash or as coupons or online points, both of which are intended to help reduce the purchase of childbirth and child-rearing related products and use of child-rearing support services.
In several local governments, including Tokyo, BABY&Me's points exchange products are available.Beren Series・ONE-S seriesis also included.
In the end, how much is your own self-payment?
When using tickets issued by local governments for prenatal checkups, the total amount of self-paying costs is around 50,000 yen.
The national average of birth costs paid at the hospital when giving birth is around 480,000 yen, so if the amount is not above the average, you can cover it with a lump sum for birth and child-rearing payment. The cost amount varies depending on the hospital and region you are hospitalized, so the amount of your own self-pay will also vary.
Maternity and baby products at an average price will cost around 50,000 to 100,000 yen, and if you want to cover all the child seats, strollers, and baby carriers, it will cost around 100,000 yen, but since the birth and child-rearing support grant will be paid for 100,000 yen, and Tokyo will pay 150,000 yen, the self-paying amount will likely be kept to around 00,000 yen.
Of course, there are various costs in addition to the typical expenses listed here, so there is no chance that an unexpected situation will occur. Please make sure you have as much time as possible and secure your budget and make good use of public economic subsidies to have a happy encounter with your baby.
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