Current use
| Marijuana - Consider dosage, frequency, age (without any other risk factors): | standard, rated +50 to +100 or declined |
non-smoking and preferential rates may be granted to marijuana users |
| Other substances: | declined |
Past use - consideration after 3 years of complete abstinence (depends on the type of use)
| 3 to 7 years: | rated +50 to +200 or declined |
| After 7 years: | generally standard |
| Multiple addictions: | declined for 7 years, individual consideration thereafter |
| Relapse: | declined |
Current use
| Marijuana - Consider dosage, frequency, age (without any other risk factors): | standard, rated +50 to +100 or declined |
| Other substances: | declined |
Past use - consideration after 3 years of complete abstinence
| 3 to 5 years: | rated +75 to +100 |
| After 5 years: | standard or rated +50 to +75 |
| Multiple addictions: | declined for 5 years, individual consideration thereafter |
| Relapse: | declined |
Current use
| Marijuana - Consider dosage, frequency, age (without any other risk factors): | standard, rated +25 to +75 with possibility of limitation on the waiting period of at least 90 days and/or benefit period or declined |
| Other substances: | declined |
Past use
| Within 7 years: | declined |
| After 7 to 10 years: | rated +25 to +75 and possibility of limitation on the waiting period of at least 90 days and/or benefit period |
| After 10 years: | standard or rated +50 with limitation on the waiting period 90 days minimum |
| Multiple addictions: | declined for 10 years, individual consideration thereafter |
| Relapse: | declined |
