even in the case of an unfortunate demise or disability of the parent income benefit rider this type of rider provides a regular income to the family in case of the demise or accidental disability to the breadwinner of the family so like the waiver of premium benefit rider this one too is greatly beneficial when clubbed with a child plan critical illness benefit rider since certain illnesses can result in heavy expenses for treatment critical illness benefit rider provides a onetime lump sum benefit on the diagnosis of the illnesses hospital cash benefit rider this particular rider pays a fixed sum of money per day of hospital stay as a result of injury sickness or disease the amount is reimbursed as a lump sum at the end of the stay in hospital this rider can take care of the expenses to some extent which are not reimbursed under the health insurance plan women specific riders while the aforesaid are some of the most common riders available there are certain life insurers who provide security for women specific disorders or complications resulting from pregnancy congenital disabilities etc