Cal. Code Regs. tit. 10, § 2220.17 – Basic Hospital Benefits Expressed as Increases of Loss-of-Time Benefits.

(a) The increase in the loss-of-time benefit is less than either the lesser of the basic loss-of-time amount required under Section 2220.11 or, if expressed otherwise, if it is less than $300.00 per month, or if the benefit is payable for less than two months duration; except
(b) In the case of industrial insurance, if the increase in the loss-of-time benefit is less than either the lesser of the basic loss-of-time amount required under Section 2220.11 or, if expressed otherwise, it is less than $150 per month, or if the benefit is payable for less than one month duration.

A benefit expressed as an increase of a loss-of-time benefit (Section 2220.11) during hospital confinement shall be deemed not sufficient to be of real economic value to the insured if: