Check whether the rider appears in the final schedule and whether it has a separate premium, limit, waiting period or exclusion.
For a benefits comparison, record optional features separately from the core plan. A brochure showing an available option does not mean your quote includes it.
Ask for the wording governing the rider and check how it interacts with the base policy.
Sources
- MoneySense: Health insurance terms: Know what you are paying for
Premiums; deductibles and co-insurance; exclusions; riders. Retail-health examples are not universal group-policy terms.
Reviewed 23 October 2026 · Source details