A rider is an additional provision or attachment to an insurance policy that modifies or expands the coverage of the policy. Riders typically work by adding specific benefits or coverage options to the base policy, allowing policyholders to customize their insurance to fit their needs. There are various types of riders available, such as accidental death, disability, or critical illness riders, each providing different additional coverage options. The cost of adding a rider to an insurance policy varies depending on the type of rider and the level of coverage desired. For example, a critical illness rider may cost an additional monthly premium but can provide financial protection in the event of a serious illness.