In a health insurance plan, a rider is an extra benefit or an additional feature you can purchase and avail atop your existing or base policy, depending on your distinct health needs. However, it is not mandatory to buy them. You can buy riders to compensate for expenses which might not be otherwise covered in your base plan. Riders allow individuals the flexibility to customise their health insurance plan. While a base plan generally covers common medical expenses, you can add riders depending on your health needs, like covering pre-existing diseases, if any, etc.
