Having a baby? Here are the costs involved

Having a baby is one of the biggest changes in most people’s adult lives. It can be a rollercoaster of emotions, but the moment you look into your baby’s eyes you’ll know it was worth it. Whether you’re a few weeks in or almost full term, you’ve probably wondered how much pregnancy, birth and post birth care will affect your wallet. Here are the costs you’ll need to think about:

Antenatal care: Pregnancy

Pregnancy is a rollercoaster of emotions, changes, healthcare visits and preparing for your baby to enter the world. You’ll most probably want to visit a healthcare practitioner to check that your pregnancy is progressing properly, and you may also want to attend classes such as antenatal lessons. Here are some potential costs:

  • Gynaecologist visits, scans or tests that aren’t included in your medical cover.
  • Blood tests or other tests that your gynaecologist may recommend during your pregnancy.
  • Antenatal vitamins and supplements.
  • Antenatal classes (although some hospitals do offer these for free) and CPR courses.
  • Maternity clothes to accommodate your growing body.

Baby equipment

During your pregnancy, you’ll most likely start stocking up on things your baby will need, such as a cot and compactum, nappies and clothes. Be wary of the many lists of ‘must-have’ items online; you only really need a safe way for your child to travel, a safe place for your baby to sleep and a way to keep them warm, clean and fed. All the other things can be nice to have or make your life easier, but they are not strictly necessary.


No matter what type of birth you have planned, plan for all eventualities, as the actual birth you end up experiencing may not be what you’d envisioned. Birth costs depending on where and how you have your baby. Here are some areas to consider:

  • Birth (unmedicated, vaginal, medicated, caesarean, etc.) – These can be charged at way above medical aid rates, so ensure you know what your doctor will be charging.
  • Hospital stay – This will vary depending on the type of birth you have.
  • Anaesthetic and anaesthetist – Only in the event of a medicated or a caesarean birth.
  • Paediatrician – Attending for caesarean, check-up in hospital, six week check-up.

Postnatal Care

Once you get home after your baby is born, you’ll need to consider a whole new set of costs:

  • Breastfeeding: If you intend to breastfeed, it can be extremely useful to have a lactation consultant to help you get started, which will involve an hourly consultation fee.
  • Clinic visits: Immunisations, weigh-ins, vaccinations and general baby check-ups should also be factored in. If you take your baby to a government clinic, much of this you will receive free of charge, but if you go to a private clinic or nursing sister there may be charges involved.
  • Paediatrician: You may need to visit a paediatrician in the early months if your baby is sick, and for regular check-ups while they’re young.
  • Registering the birth: You’ll need to register your child’s birth at Home Affairs and lodge them on your medical aid so that they also receive benefits.

There’s so much to think of and consider when you’re preparing to add another person to your family. With a bit of planning, you can be better prepared for the future, and focus more on being with your baby rather than worrying about your finances.

Remember that apart from rich maternity benefits on our options, Fedhealth also offers the free Fedhealth Baby Programme for expecting parents that includes a beautiful Fedhealth baby bag with free goodies, discounts on baby products and support you can trust. Call 0861 116 016 or e-mail info@babyhealth.co.za for more information and to apply now.


  1. Cost of pregnancy: https://www.huggies.co.za/parenting/budgeting-for-a-family/cost-of-pregnancy/#dummyClassx00generated3
  2. What having a baby really costs: https://www.oldmutual.co.za/financial-solution/your-life/detail/what-having-a-baby-really-costs-in-south-africa
  3. How much does it cost to have a baby in South Africa?: https://www.parent24.com/Family/Finance_Legal/how-much-does-a-baby-cost-in-the-first-year-20160121
  4. How Much It Will Likely Cost You To Give Birth At A Private Hospital In South Africa: https://www.huffingtonpost.co.za/2018/05/03/how-much-it-will-likely-cost-you-to-give-birth-at-a-private-hospital-in-south-africa_a_23426038/

Raising a child costs R90,000 a year – and that’s if you don’t count inflation: https://businesstech.co.za/news/finance/149959/raising-a-child-costs-r90000-a-year-and-thats-if-you-dont-count-inflation/

Choosing the right medical aid is no joke, but we’ll leave you smiling.