Life insurance policies offer the following common riders -
Accidental death and disablement benefit rider - under this rider, an additional sum assured is paid if the insured dies or becomes permanently disabled during the term of the plan due to an accident
Premium waiver rider - under this rider, future premiums payable under the plan are waived off if the policyholder dies during the term of the plan or meets with an accident or a critical illness, as is mentioned in the policy bond. In that case, the future premiums are waived off and the policy continues. The policy matures in its scheduled time.
Critical illness rider - this rider covers a list of critical illnesses. If the insured is diagnosed with any of the covered illnesses during the term of the plan, an additional sum assured is paid
Hospital cash rider - under this rider, a daily cash benefit is paid if the insured is hospitalised during the term of the plan
Term rider - if the insured dies during the term of the plan, double sum assured is paid irrespective of the cause of death
Any one or multiple riders can be chosen along with the basic policy.