§ 2220.24. Dread Disease Benefits.

DREAD DISEASE BENEFITS

A sickness benefit which is limited to a delineated or defined field of sickness coverage (such as poliomyelitis, cancer or a specifically named or described disease) shall be deemed not sufficient to be of real economic value to the insured if:

(a) Its maximum limit is less than $10,000, or if the expenses for which it is payable are limited to those incurred for treatment necessitated by each such sickness within a period of less than three years following the commencement of medical treatment for such sickness, or if the benefits are subject to scheduled inside dollar limits and such limits do not meet the minimum requirements of Section 2220.25; or

(b) In lieu of the minimum benefits specified in paragraph (a) above, a policy or rider limited to cancer provides minimum benefits not less than the following: $50 a day for the first 12 days of hospitalization without any elimination period, deductible or coinsurance factor and also $30 a day for each day of continuous hospitalization thereafter with no limit on the number of days of hospitalization; X-ray, radium and cobalt therapy up to a total of $1,500; attending physician's charges in hospital (other than the operating surgeon) of $7.50 per day up to a total of $500; surgical charges in accordance with the 1964 California Relative Value Schedule; anesthetist services either up to $100 for an operation other than for a skin cancer operation for which the anesthetist fee shall be not less than $30 for an operation or in an amount consistent with the amount provided by the 1964 California Relative Value Schedule; nursing expenses of $24 per shift for not less than one shift per day up to a total of $750; blood transfusions and plasma up to a total of $500; prescribed drugs and medicines up to a total of $250; and an overall aggregate limit on all benefits of not less than $10,000.