Restrictions for pregnant women and individuals on parental leave

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.