A policy may contain provisions relating to recurrent confinements or recurrent disabilities, provided however, a recurrent confinement provision or a recurrent disability provision shall be deemed not sufficient to be of real economic value to the insured if in applying any two or more periods of confinement or disability the periods of confinement or disability must be separated by more than 6 months.
Cal. Code Regs. Tit. 10, § 2220.28