A separate benefit for pregnancy, childbirth or miscarriage, when expressed as a specified dollar amount shall be deemed not sufficient to be of real economic value to the insured if its amount is less than $75.00 for normal delivery and $50.00 for miscarriage during the first policy year and less than $150.00 for normal delivery and $75.00 for miscarriage during subsequent policy years.
Cal. Code Regs. Tit. 10, § 2220.22