What is a "rider" in the context of health insurance?

A rider in the context of health insurance is an amendment that modifies coverage in an insurance policy. This means that a rider is an addition or alteration to the basic health insurance policy, allowing for customization of coverage based on specific needs or circumstances. Riders can provide additional benefits, change existing conditions, or exclude certain conditions from coverage. They are commonly used to tailor insurance plans to better fit the policyholder's unique requirements.

For instance, a policyholder might add a rider to include coverage for experimental treatments or alternative medicine, which may not be included in the standard plan. This flexibility can help individuals create a health insurance policy that adequately meets their personal health needs, lifestyle, or financial situation.