Generally, the policyholder manages the policy, including paying premiums, making claims, and submitting insured person's information.

If the expectant mother is both the policyholder and the insured person, and falls into a coma or passes away during pregnancy/childbirth, the policy might temporarily lose its manager and miss important document submissions. For example, the child's birth certificate needs to be submitted 14 days before the first policy renewal date, otherwise the policy may become invalid.

If the policyholder is unable to handle policy matters due to health issues:

1. Relatives can contact us, for instance, to submit the child's birth certificate on behalf of the policyholder to ensure the policy remains effective
2. For claims, other relatives can assist with the claim process through this form

If the policyholder passes away, the ownership of the plan will be transferred to their estate administrator or executor, who will continue to manage the child's policy. Of course, after the policy takes effect, the policyholder should also keep good records of policy information, such as the policy number, to help relatives assist in managing the policy.