Having a baby in Australia? Hospital, midwife, delivery, and IVF costs.

Having a new baby brings joy and excitement. Along with the excitement, there's bound to be stress. If you're an expat and an expectant parent, you face a unique challenge. How will you navigate an unfamiliar health care system, and the medical expenses that are part of it?

More than 300,000 babies are born in Australia every year. And if you're one of the lucky mothers or fathers expecting a baby down under this year, this article will help you understand the costs, from fertility treatments to average delivery costs. We'll also introduce to you Wise account which lets you send, spend, and receive money in different currencies.

Open Your Wise Account 👉

How much does in-vitro fertilisation (IVF) cost in Australia?

An average of 1 in 8 couples worldwide struggles with getting pregnant. Adoption has also become more complicated and expensive, in many cases. But advancements in medical science mean that couples have options like in-vitro fertilisation (IVF) to help them conceive. In Australia, IVF is an option for couples having difficulty conceiving. If you're looking into IVF how much should you be budgeting?

Can a non-resident or visitor on a tourist or other visa go through IVF or fertility treatment? Is medical tourism a thing in Australia?

If you're a foreigner on a tourist visa, you may not qualify to use Australia's Medicare system, unless you're from one of these 11 countries that have reciprocal agreements with Australia. Non-residents can access Australia's healthcare system in case of emergency and if you have international insurance it should help keep costs down. Medical tourism isn't as popular as it is in other countries in the world, but in 2013 it was reported that Australia attracted close to 10,000 medical tourists.

Average costs related to IVF in Australia

The local Australian currency is the Australian dollar. It's written as AUD or A$ to distinguish from other dollar currencies. To find out what A$ are worth compared to your home currency, use a currency converter online.

Is there any type of financial assistance or health insurance that will cover part or all of the IVF procedure in Australia?

The Australian Medicare system provides financial assistance for fertility treatments. There's a Medicare rebate on fertility treatments, and the Medicare Safety Net program applies a A$2,056 threshold for out-of-pocket expenses for hospital and doctor fees.

For more information on IVF and fertility treatments in Australia

You can visit these websites for more information:

• IVF Australia
• Medicare Safety Net
• Australian Department of Human Services

How much does having a baby cost in Australia with or without insurance?

Australia has a universal health care system. All permanent residents have access to public health care through Medicare. Approximately 50% of the population subsidizes their Medicare with additional private insurance.

Temporary visa holders may not qualify for Medicare. Australia has reciprocal agreements with 11 countries - including the United Kingdom - that provide subsidised essential health care treatment. However, if you're not from these 11 places, invest in private insurance available to you so you don't have to pay hospital fees out-of-pocket, because having a baby in Australia can be costly:

• Average cost of c-section in Australia: A$14,000
• Average cost of regular birth in Australia: A$9,000

If you use a public hospital, fees will be lower. If you qualify for Medicare your costs will range from A$0-A$1,500. Additionally, those who qualify for Medicare will receive a rebate up to $2,056 to assist with other expenses. If you use a private hospital, fees could be higher and you should check with your insurance provider to see what expenses they cover.

Can a non-resident or visitor on a tourist or other visa deliver a baby in Australia? Is birth tourism a thing in Australia?

If you're a pregnant visitor in Australia, you can access care during your pregnancy, birth, and afterwards. But out-of-pocket costs associated with this depends on your visa status. Birth tourism isn't that popular in Australia because of the high costs of having a baby there.

Average costs of delivering a baby in Australia

What's the average stay in an Australian hospital like after having a baby?

The average stay in Australia for prenatal care and delivery are comparable to elsewhere in the world. If all goes according to plan, a new mom shouldn't expect to be in the hospital for long.

Average hospital stay for new moms in Australia

To recover from a regular birth and delivery, a new mom will stay in the maternity ward anywhere from between 4 and 48 hours. If recovering from a C-section, a new mom will stay closer to 3 or 4 days.

Items moms need to bring to the hospital when delivering a baby

Here are some items you might want to bring with you to the hospital for the birth of your baby:

• Extra clothes for parents
• Going home outfit for baby
• Slippers
• Towels
• Snacks
• Socks
• Heat packs
• Toiletries and lotions
• Camera

What documents do I need to have a baby in Australia?

When you have your baby in Australia you should have the following documents ready:

• Antenatal Card
• Copies of your birth plan
• Private health insurance details (if applicable)
• Money for fees (if applicable)
• Medicare card
• Details of your primary care doctor

How do I register my baby in Australia?

Each state or territory in Australia has a different process for registering a child's birth. Check with the government office in your state. Parents usually complete a birth registration statement within 6 months of the birth. This is usually provided by the hospital along with your Parent Pack, which contains a Newborn Child Declaration. You should be able to apply for a copy of your child's birth certificate when you submit the registration statement.

If you're a foreign national, contact your embassy or consulate so you can register your birth with your home nation.

If I am not an Australian national but have a baby in Australia, will my child have to choose between nationalities or will they get Australian citizenship?

If you have a baby in Australia and at least one of the parents is an Australian citizen or permanent resident, that child is eligible for Australian citizenship. If your child is eligible for Australian citizenship, they can most likely hold dual citizenship -- so they don't have to chose between nationalities.

How long is maternity leave in Australia? What about paternity leave?

Australia provides 18 weeks of paid parental leave that can be split between both parents, if they're both eligible. To be eligible, you need to have worked for at least 330 hours in the 10 of the 13 months prior to the birth.

Juggling lives between two nations? Want to save money? The Wise multi-currency account could help.

The Wise account is an easy way to save up to 3x when you send, spend, and withdraw money internationally. Hold and manage 40+ currencies, including AUD, USD, EUR, and more. All you need to do is sign up for a free account to get started, there's no monthly fees either.

You can exchange currencies at the mid-market rate on every conversion — basically the rate you see on Google. And with zero foreign transaction fees, and low, transparent pricing, Wise usually gives you the best value for your money. You can activate Wise Interest to earn returns* on your eligible balances while keeping your money available to spend.

You'll get 8+ local account details in AUD and a selection of other global currencies to get paid conveniently to your Wise account. And when it's time to send money abroad , enjoy fast, low-cost transfers to 140+ countries. Plus, you can get a linked Wise debit card for spending internationally at the same great mid-market rate.

When it comes to managing money globally, the Wise account is a handy tool that makes it easier and simpler.

🚀 Open your Wise account

Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

Australia offers many options for new parents, from IVF treatments to universal healthcare. This guide can help you understand the process for Australian labour and childbirth, so you can relax and enjoy your new addition.