A rider is an additional benefit or modification attached to a main insurance policy, especially in life insurance. Examples can include accidental death benefit, critical illness protection, or waiver of premium. A rider usually has its own eligibility conditions, coverage limits, exclusions, and cost.
A Nepalese customer should check whether the rider lasts as long as the main policy and whether it ends after a payout. Its benefit may supplement or reduce another benefit, depending on the wording. Choose riders for relevant risks rather than assuming every optional addition improves value equally.