Cal. Code Regs. tit. 10, § 2220.1 – Policy.

(a) “Disability policy” or “policy” or “policy form” includes all of the following except when issued to: (1) supplement Medicare (Health Insurance for the Aged Act, Social Security Amendments of 1965, as amended) other than to the extent specified in this Article; or (2) to supplement other governmental programs; or (3) when issued as credit disability insurance written in accordance with the provisions of Article 5.9, Division 1, Part 2 of the Insurance Code; or (4) when issued as mortgage disability insurance; or (5) when issued as a conversion policy when group coverage (either insured or noninsured) is terminated, or when issued in accordance with a conversion privilege specified in any in-force individual policy:
1. (1) A policy of disability insurance insuring only one person;
2. (2) A policy of family disability insurance as defines in either Insurance Code Section 10270.7 or 10320(c);
3. (3) A policy of disability insurance issued on a selected group basis pursuant to Insurance Code Section 10270.97; and
4. (4) Any rider or other document or endorsement attached or to be attached, as a part thereof, to any policy described in (1), (2) or (3) above.
(b) A rider issued to be attached to an in-force policy is not subject to the provisions of Sections 2220.8 to 2220.30, inclusive, if the rider modifies a benefit of the same type contained in the policy by increasing its amount, extending the duration of payment, reducing the waiting period, reducing the elimination period, reducing a deductible or reducing a coinsurance percentage factor.