Cal. Code Regs. tit. 10 § 2540.1
The purpose of this Article is to establish standard supplemental disclosure forms for disability insurance as required by Chapter 7 of Part 2 of Division 2 of the Insurance Code, known as the "Health Insurance Disclosure Act of 1974." In enacting that Chapter, the Legislature declared that consumers seeking adequate health care insurance at prices they could afford were faced with considerable difficulty in making optimum choices among the great number of health care insurance coverages available. Confusing claims, obscure language and inconspicuous policy details often resulted in uniformed and inappropriate choices by the consumer. The availability of certain minimum information relative to the benefits, limitations and costs of health insurance coverages in a standard, readily comparable form would assist consumers in making the best choices among such insurance coverages commensurate with their respective incomes.
Cal. Code Regs. Tit. 10, § 2540.1