Here are the restrictions when the policy is purchased.

Pregnant women cannot be on leave when taking out insurance.

• If she works, her insurance application will be approved without any limitations.
• If she's on preventive withdrawal, her insurance application will be approved if she doesn't have a health problem or additional risks related to pregnancy.
• The benefit period is limited to 2 years with a minimum waiting period of 90 days. The benefit paid on the first day in the event of hospitalization is maintained.
• Exclusions are not automatically added for complications related to pregnancy, childbirth or miscarriage.

• If she works or she's on preventive withdrawal, her insurance application will be approved if she doesn't have a health problem or additional risks related to pregnancy.
• The benefit period is limited to 2 years with a minimum waiting period of 90 days.
• An exclusion for complications related to pregnancy, childbirth or miscarriage will be added in certain cases.

• If she had a previous pregnancy with complications, her insurance application could be deferred or approved with exclusions.
• If she had a previous pregnancy with major complications, her insurance application could be deferred. In this case, she'll have to wait until after childbirth to submit a new application.

(This includes 18 weeks of maternity leave after childbirth, 52 weeks of parental leave and 5 weeks of paternity leave.)

• A woman on maternity leave must wait 1 month after childbirth to apply for insurance.
• An individual on parental leave must meet the criteria for hours worked based on their situation before the start of their parental leave.
• The current occupation prior to the start of the parental leave, excluding a temporary assignment, will be used to determine the occupation category.
• The number of hours worked for eligibility will be based on the insured person's situation just before their parental leave begins.