The concept of health insurance riders is similar to getting some extra toppings on your pizza. Since you need to pay extra money for some additional toppings likewise, there is an extra charge over a regular premium to get additional coverage. In simple terms, health insurance riders offer the extra benefit at some extra cost.
A. Many insurance companies have a cap on the room rent.
This rider provides the benefit of choosing the room of your liking without any extra charge at the time of hospitalisation.
B. Personal Accident Riders offers coverage for all kinds of accidents which incorporate accidental death, permanent disablement etc. Also, the family of the policyholder is entitled to twice the amount of the policy if the insured dies in an accident.