California Code of Regulations
Title 10 - Investment
Chapter 5 - Insurance Commissioner
Subchapter 2 - Policy Forms and Other Documents
Article 1.5 - Standards for Determining Conformity of Individual Disability Policies with the Provisions of Paragraph (7) of Subdivision (b) of Section 10291.5 of the Insurance Code
Subarticle 2 - Standards
Section 2220.10 - Waiting Periods
Current through Register 2024 Notice Reg. No. 38, September 20, 2024
A sickness benefit shall be deemed not sufficient to be of real economic value to a covered person if one or more coverages become effective more than 30 days after the effective date of the policy or rider or is subject to a waiting period greater than:
(a) Ten months for pregnancy, childbirth or miscarriage; or when the waiting period is expressed in terms of the inception of the pregnancy, 30 days after the effective date of the policy or rider; or
(b) Six months for hernia; disorder of the reproductive organs; tuberculosis; cancer; tumors; varicose veins; adenoids; appendix; tonsils; gallbladder; rectum; thyroid gland, and diseases of the heart; and
(c) Twelve months for organ transplant, cosmetic surgery or dental insurance.
