Except as provided in Sections 2245.1, 2245.2 and 2245.3, no U. C. D. policy shall contain a provision limiting the amount of indemnity to an amount less than that stated in the policy and for which the premium has been paid. A provision in a U. C. D. policy which guarantees to all employees benefits not less than they would be entitled to under the C. U. I. Code if they were not covered by such policy or which limits the benefits payable to a specified class or classes of employees to the same benefits to which they would be entitled under the C. U. I. Code if they were not covered by such policy, shall not be considered to be in conflict with this section or Sections 2245.1, 2245.2 or 2245.3.
Cal. Code Regs. Tit. 10, § 2245.4