Judul : Prepare Early! This is the Latest Cost Range for Childbirth and Ideal Tips for Saving Money
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Prepare Early! This is the Latest Cost Range for Childbirth and Ideal Tips for Saving Money
For married couples, the arrival of a child is certainly something greatly anticipated. In the process, they surely start thinking about the estimated cost of childbirth that needs to be prepared and accumulate it as early as possible. In this way, when the time comes, the childbirth process can take place safely and smoothly without any risk of obstacles.
The thing is, many people are troubled and worried about the high cost of childbirth that needs to be prepared. Indeed, if all expenses are detailed, the cost of childbirth can reach tens of millions of rupiah. Therefore, if not prepared in advance, there is a fear that the financial condition may not be able to afford these childbirth costs.
Then, how much is the estimated cost of childbirth in 2023 that needs to be accumulated? Also, what are the tips to prepare for this cost ideally and according to the set target? Well, without further ado, read the following review about the range of 2023 childbirth costs along with tips on how to accumulate the funds.
About Preparation for Childbirth Expenses
Preparation of Delivery Costs
With the large amount of money that needs to be collected, childbirth costs should be prepared in advance. In addition, couples who are waiting for the arrival of their future child also need to detail which costs and expenses should be prepared during the childbirth process.
Of course, the preparation to collect the childbirth expenses should start with good financial management and planning. You are advised to start cutting unnecessary expenses once you know that the child is already in the mother's womb. In this way, the process of collecting the costs can be more optimal.
Nevertheless, understand that the need for money for delivery costs is not always very high, thus automatically burdening your finances. Most importantly, first find out the approximate delivery costs provided by several hospitals near your residence to know the amount of money that needs to be collected.
Normal Delivery Costs & Caesar (2025)
Delivery costs in Indonesia vary greatly depending on the type of delivery, level of care, and hospital location. Here is a general overview of delivery costs in 2025 based on methods and health facilities:
| Type of Facilities/Description | Normal Delivery | Operation Caesar | Additional Information |
|---|---|---|---|
| Health Center / BPJS | Rp500.000 – Rp3.000.000 (Without BPJS) | Bears 100% (Class 3 BPJS) - Estimated bill Rp5-11 million | Free if applicable and partner facility BPJS |
| Middle Class Private RS | Rp5.000.000 – Rp15.000.000 | Rp15.000.000 – Rp30.000.000 | Includes doctor's services, medicine, 2–3 nights of hospitalization |
| RS Swasta Premium | Rp20.000.000 – Rp40.000.000 | Rp30.000.000 – Rp50.000.000+ | Usually includes VVIP rooms & exclusive services |
| Permata Cibubur | Rp9,6 million - Rp29,3 million | Rp22 million - Rp54.7 million | Package according to room class and additional services |
| Sentra Medika Cibinong | Rp20 million – Rp33 million | Rp29 million - Rp51 million | Includes inpatient care and complete medical treatment |
| Primaya Hospital Cikini (VIP Suite) | – | Rp42,5 million - Rp44 million | Special VIP class with complete facilities |
Disclaimer: The costs listed above may change at any time. To obtain the most current and accurate operational cost information, it is recommended to always confirm and refer directly to the relevant hospital.
Tips for Collecting Childbirth Expenses
With the amount of cost that can be considered not small, childbirth costs should be prepared as early as possible before it's too late. But, don't be careless in collecting these costs so that the funds can be prepared smoothly until the target amount is reached.
Here are tips for collecting childbirth expenses that can be used as a guide.
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Check Hospital for Childbirth First
Seperti yang telah dijelaskan sebelumnya, besaran biaya persalinan bergantung dari tempat atau rumah sakit yang dipilih. Dengan layanan yang tidak jauh berbeda, biaya persalinan antar rumah sakit bisa jauh berbeda.
Therefore, make sure to survey first the fees for the childbirth process in various different hospitals and find out the quality of their services. In this way, you can carry out the childbirth process at the best hospital, but with a financially affordable cost.
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Determine the type of normal delivery or Caesar
In addition, consider also the type of delivery that will be chosen, whether it is normal delivery or by method Caesar. In normal conditions, there is no significant difference between the two types of delivery except for the cost and the method of the operation. However, for pregnant women with certain health conditions, they may only be allowed to choose one of the two types of delivery.
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Make a Birth Cost Plan
After knowing the estimated cost of childbirth that needs to be prepared, you need to make a plan on how to collect the funds. This needs to be done as a precautionary measure against various possible scenarios, including the possibility of undergoing a normal delivery or Caesar.
Semakin detail rencana tersebut dibuat, perkiraan biaya yang harus dikumpulkan tentu menjadi lebih rinci dan akurat. Sebagai contoh, masukkan beragam jenis biaya dan kebutuhan, seperti asisten pendamping , Epidural injection or induction, the selected room class, and various other factors in the financial plan. To know what needs are required during childbirth, you can also gather information from various sources, such as friends or family who have recently undergone childbirth or via the internet.
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Utilize Child Birth Allowance
If working as an office employee, it's not wrong for prospective parents to ask whether the company provides maternity benefits or not. Usually, employees have financial benefits, for example, health insurance Including other benefits that ensure the coverage of childbirth expenses. Although they may not be fully covered in the future, these benefits certainly can make the financial burden of going through the childbirth process lighter, right?
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Prepare an Emergency Fund
No less important, you also need to prepare emergency money When waiting for the arrival of your child. With this financial position, you will be better able to cope with the risk of financial problems that may occur at any time without warning.
Regarding the amount, it can be adjusted according to the financial situation and monthly expenses. However, ideally, prepare at least 6 to 12 times the monthly expenses as an emergency fund to make the financial condition more conducive and ready to face any possible challenges ahead.
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Don't Forget the Baby's Gear
In addition to childbirth costs, parents also need to prepare various needs for the baby after it is born. Some examples are clothes, a crib, and so on. Most importantly, make sure all other costs before the child's birth are covered before thinking about the costs of the baby's supplies, okay!
The Role of Insurance in Coping with High Delivery Costs
In principle, various delivery costs can be easily anticipated through health insurance. The reason is that one of the protective benefits provided by insurance product This is the delivery cost. This is also included in the cost covered by the participant. BPJS Health which is the mandatory insurance program of the government.
However, if you have more funds, don't hesitate to apply for a private insurance program. The reason is that the protection benefits and service quality provided by private health insurance are generally better than BPJS Kesehatan. However, if your financial condition does not allow you to afford private health insurance, BPJS Kesehatan actually already sufficiently guarantees protection for participants who will undergo childbirth.
Optimal Cost Preparation for Childbirth with Investment
With the large amount of money that needs to be collected, childbirth funds should indeed be prepared in advance. If not, the financial burden will later be overwhelmed by all the costs. To optimize the collection of childbirth expenses, don't hesitate to investing choose the appropriate instrument according to the time period and risk profile you have, for example in the product mutual fund or deposit .
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