What do riders in insurance typically apply to?

Riders in insurance are typically used to modify a standard insurance policy by adding specific benefits or coverages tailored to the policyholder's needs. In the context of life and health insurance, riders are commonly added to enhance or customize the basic policy. For example, a life insurance policy might include a rider that provides additional coverage in the event of a critical illness or allows for the waiver of premium payments in case of disability. Similarly, health insurance policies may have riders that cover additional services or treatments not included in the standard policy.

In contrast, property and liability insurance, travel and life insurance, and homeowners and automotive insurance may have different terms and conditions that don’t necessarily incorporate "riders" in the same way that life and health insurance do, and instead might utilize endorsements or separate coverages to accommodate policyholder requests. Understanding how riders work within life and health insurance is essential for policyholders seeking to maximize their coverage options according to their personal circumstances.