Cal. Code Regs. tit. 10 § 2222.18
The commissioner may consider two or more forms of the policy contracts as prepared by any one insurer or two or more affiliated insurers as one policy form for the purpose of determining under the provisions of this article whether benefits are reasonable in relation to premiums if the benefits and premiums or premium rates of such policy forms are alike in substance. Any policy form submitted by an insurer to replace a form of itself or its affiliates, the approval of which has been withdrawn under the provisions of this article, shall not be considered to be a new form or a form different from that of the form the approval of which was withdrawn, unless the benefits of the new form are sufficiently more favorable to the insured, or the premium or premium rates are sufficiently lower so as to indicate that the new form will meet the tests of this article.
Cal. Code Regs. Tit. 10, § 2222.18