It’s not a given. Most gynaes only give HL if you have a medical issue related to pregnancy. I saved my annual leave for some time off before my EDD. Alternatively, you can start your maternity leave up to 4 weeks before your EDD, but that would mean a shorter time at home after giving birth.
Depends on your condition. I ran out of MC due to all my check-ups and during my 36th week my legs were swollen, so I asked for HL to rest. I was issued one week only, was told by my gynae that they’re being audited but I can get it renewed weekly during checkups.