Child Rider (Health Care) Law and Legal Definition

Child rider is a provision that helps parents to extend the insurance coverage of their children to other coverages listed in their policy. Purchasing a child rider is typically cheaper and most companies offer insurance for children as a rider to their parent's policy. The amount requested to be added as rider will be paid by the parents along with the parents' policy premium every year. A child rider helps a parent to buy specified units for their children and will help to cover funeral costs if any thing unexpected happens.

To add a child rider a parent will have to fill a form that is like a health questionnaire. An insurance company, after verifying the form, will make a decision about whether a child qualifies for the rider. Medical examination of the child will not be conducted for granting a child rider. A child rider will be declined if the child has any diseases or disorders like cancer, heart disease, and epilepsy.