An "illness rider" is an additional part of an insurance policy that covers medical expenses related to specific illnesses or conditions. Full definition
Life insurance with chronic illness rider provides fixed premium payment with an additional rider that can be accessed if you are diagnosed with a qualifying chronic illness. (insuranceandestates.com)
For example, if you buy a child insurance plan, then you can avail the waiver of premium rider or critical illness rider provided under the policy. (policybazaar.com)
That's where term insurance critical illness rider pays off. (policybazaar.com)