A baby is always a blessing. But what if you’re not financially prepared to cover pregnancy and child-rearing costs? Given the rise in teenage pregnancy and the stricter implementation of health protocols, is it advisable to have a baby during a pandemic?
Learn more about the newborn checklist in the Philippines. Know the things you need to prepare before giving birth and find out the cost of having a baby in the Philippines as well.
Table of Contents
- OB-Gyne Check-up Cost Before Pregnancy
- Newborn Checklist in the Philippines 2022 (Plus Costs During Pregnancy)
- What’s the Cost of Having a Baby in the Philippines?
- Final Thoughts
OB-Gyne Check-up Cost Before Pregnancy
Approximate cost: ₱5,000 (depends on your potential health risks and frequency of doctor visits)
Pre-pregnancy involves a few visits to the doctor. This will help identify medical issues that could affect your pregnancy so that you can take precautions and avoid complications. The doctor will ask about your pregnancy history (if any), medical history, current health issues, diet, lifestyle, and medications or supplements you’re taking. During these consultations, you can also ask about staying safe during the pandemic and even share your mental health concerns.
These pre-pregnancy consultations are not mandatory except for women 35 years and older who have the following conditions:
- Underweight or overweight
- High blood pressure, or heart or kidney disease
- Sexually transmitted infection
- Chronic conditions, like diabetes, lupus, or HIV/AIDS
- At the risk of having a child with birth defects or a genetic disorder
- Have a history of miscarriages, stillbirths, or premature births
Read more: Signs You’re Financially Ready for a Baby
Newborn Checklist in the Philippines 2022 (Plus Costs During Pregnancy)
The total cost during pregnancy and a baby’s first year ranges from ₱108,300 to as much as ₱157,600. These include home improvements (to accommodate the newborn), pregnancy clothes and accessories, hospital bags, baby transport, baby care products, and baby food. This amount can still go higher because of the pandemic and the rising costs of commodities.
First Trimester (0 to 3 months) Expenses
Approximate total cost: ₱18,000
Prenatal care is important to make sure your baby gets all the nutrients for development. It involves doctor’s visits once or twice a month depending on your condition. The price range for a monthly checkup is ₱200 to ₱500. On average, doctor’s visits during the first trimester will be around ₱600 to ₱1,500.
During the first trimester, your doctor may prescribe pregnancy vitamins or supplements to ensure you and your baby are healthy. Supplements with folic acid, iron, vitamin D, calcium, and protein cost around ₱250 to ₱3,000 per bottle. On average, you should have a budget of around PHP 1,500 monthly or around ₱4,500 per trimester for prenatal vitamins and supplements.
Other expenses during the first trimester may include room renovations (baby room). A repainting job for a small room starts at ₱2,000.
Baby essentials in the Philippines are not cheap, so prepare to shell out a minimum of ₱3,000 for a baby crib, ₱3,000 for baby cabinets, ₱3,000 for baby clothes, and ₱2,000 for baby bedding. Taking into account all these expenses during the first trimester, and prepare around PHP 18,000.
Second Trimester (Months 4 to 6) Expenses
Approximate total cost: ₱18,000
The second trimester of pregnancy is from month four to month six, or from week 13 to week 28. They say it’s the easiest stage because pregnant moms will have already adjusted to the body changes and the fatigue will have also subsided.
However, the second trimester also means more frequent visits to the doctor and the need to purchase maternity clothes.
Assuming that you have a normal pregnancy (no health risks or complications), your supplements and OB-Gyne checkup cost may be the same as the first trimester. Your doctor may also recommend a pap smear, amniocentesis, ultrasound, and blood test, which can cost up to ₱5,000.
To sum up, your second trimester budget will total ₱18,000, which includes the following expenses:
- Doctor’s visits – ₱1,500
- Supplements – ₱4,500
- Maternity clothes – ₱7,000
- Tests – ₱5,000
Third Trimester (Months 7 to 9) Expenses
Approximate total cost: ₱158,000
The most exciting and perhaps most challenging stage of pregnancy is the third trimester. At this stage, the baby is growing and preparing to leave the womb. This is also the time when pregnant women experience abdominal aches, bleeding, contractions, discharges, frequent urination, and many other symptoms.
The third trimester is the most expensive because normal or Caesarean delivery is included in the budget. Check maternity package prices in hospitals in advance so you can adjust your budget and prepare for it financially.
Approximate cost: ₱25,000
In the Philippines, the average price for normal delivery in maternity hospitals is around ₱25,000. The price will go higher depending on the maternity hospital and the kind of hospital room you choose.
Approximate cost: ₱150,000
Caesarean delivery or C-section is a surgical procedure used to deliver a baby through incisions in the abdomen and uterus. Planned or elective C-sections are recommended in certain situations, like multiple pregnancy, a baby with breech presentations, medical issues like high blood pressure, and previous C-sections.
The average cost for a painless Caesarean delivery is ₱150,000 depending on the hospital and recovery room of choice.
Other Pregnancy Costs
In the third trimester, checkups, tests, and supplements will still be a part of your budget. You’ll also need to buy more newborn baby clothes and accessories (₱5,000), a baby stroller (₱4,000), and baby care products (₱15,000).
More importantly, you’ll need to prepare for the costs of giving birth, which will vary if you have a normal or a C-section.
Hospitals now require pregnant women due for delivery to undergo a mandatory swab test which costs around ₱1,500 to ₱5,000. You may also be charged an additional ₱2,000 for the personal protective equipment (PPE) of the health workers attending to you.
If you don’t have your own car, you may also need to pay for private transport for your monthly checkups. Because of the pandemic, public utility vehicles are scarce and commuting increases your exposure to the virus.
Expenses for 0 to 1 Year Old
Approximate total cost: ₱15,000 per month
Whether you decide to breastfeed or bottle-feed, your baby’s first year will require a lot more funds. From newborn screening to baby’s monthly checkups, you need to allot around ₱2,000 each month for these.
Here’s how much you’ll spend on newborn essentials in the Philippines:
- Food, baby/postnatal vitamins – ₱4,000
- Diapers and baby wipes – ₱1,000
- Clothes and shoes – ₱2,000
- Checkups and vaccinations – ₱2,000
- Childcare – ₱6,000
On average, parents should allot at least ₱15,000 each month to provide for their baby’s needs from birth until their first year. This, of course, is just an estimate. Costs will vary depending on your income and your lifestyle. Good thing there are many ways you can reduce your expenses, like breastfeeding or not getting a nanny. That’s thousands of pesos in savings already.
What’s the Cost of Having a Baby in the Philippines?
From pre-pregnancy to your baby’s first year, the approximate cost of having a baby in the Philippines is broken down below:
- Pre-pregnancy – ₱5,000
- First trimester – ₱18,000
- Second trimester – ₱18,000
- Third trimester – ₱158,000
- From birth to baby’s first year – ₱180,000
Total cost of having a baby = ₱379,000
The cost of having a baby in the Philippines is a significant amount. To save up for this amount, expecting parents should set aside ₱31,583.33 every month for one year or around ₱10,530 every month for three years.
Having a baby is no joke, and being a parent is not easy. From budgeting to shaping your child’s character and building your child’s future, it’s a journey that needs a lot of preparation.
Being financially ready is one of the first steps in raising a child. Before you decide to get pregnant, consider the cost of raising a child, which involves providing food, education, healthcare, and many others. Make sure to know the newborn checklist in the Philippines to help you prepare.
Still, life is full of surprises, and you can’t always plan for everything. An unplanned pregnancy can significantly affect your budget. Make use of your maternity benefits to help with the hospital bills, or consider getting a personal loan to help with the expenses. You can compare personal loans easily and for free through Moneymax. And once you get past the difficult stages, you can easily conquer any kind of parenting challenges in the future.
Disclaimer: This article is created for general information purposes only. The costs provided above are only estimates to guide you on saving and budgeting for your pregnancy and newborn expenses. Your actual expenses will depend on your specific needs and circumstances.
-  Birth of a child: what are the expenses during pregnancy and baby’s first year? (Picodi, May 2020)
-  C-section (Mayo Clinic)
-  Maternity Package: Price of Normal and Caesarean Delivery Philippines (Medical Pinas)
-  As pandemic lingers, pregnant women struggle with strict COVID-19 protocols (Philstar, 2021)
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