1. (a) When the benefit specifies a blanket amount for miscellaneous hospital services for unnamed items, such blanket amount is less than five times the largest daily hospital benefit of the policy; or
2. (b) When the benefit specifies a blanket amount for miscellaneous hospital services for a number of named items, such blanket amount is less than five times the largest daily hospital benefit of the policy, or the items named are less than six in number; or
3. (c) When the benefit specifies a separate limiting amount per separate item named, the amount per item is less than $15.00 and the aggregate limiting amount for all such items is less than $150 or the items named are less than seven in number and the amounts are not reasonably related; or
4. (d) Less than six of such items if separately named are of a reasonably normal frequency or occurrence; and

5. (e) It does not provide benefits under either (a) or (b) or (c) above for diagnostic X-rays, laboratory tests and electrocardiograms on an in-patient basis and also on an out-patient basis for preadmission hospital testing when the procedures are performed within 72 hours of admission to the hospital.

   A policy or rider which contains the benefits of this section and Section 2220.15 may be subject to a combined deductible not in excess of $100.00, except that if the miscellaneous hospital service benefits are not less than ten times the daily hospital benefit, the combined deductible may be not in excess of $150.00. This section shall not prohibit a miscellaneous hospital services benefit which, in the opinion of the Commissioner is not less than the actuarial equivalent of one of the specified benefits in this section.

Except to the extent provided otherwise in Section 2220.20, a benefit covering miscellaneous hospital services (other than a benefit described in Sections 2220.19 and 2220.22) shall be deemed not sufficient to be of real economic value to the insured if.