Which type of rider is added to an accident and health policy to ensure it continues if the policyholder becomes totally disabled?

The Waiver of Premium Rider is specifically designed to address situations where the policyholder becomes totally disabled, allowing the policy to remain in force without requiring premium payments during the period of disability. This feature is particularly important because it safeguards the policyholder’s coverage when they may be financially burdened due to their disability and unable to make regular premium payments. By waiving the premiums, the rider ensures that the health insurance policy remains active, providing essential health coverage when it is most needed, without putting additional financial strain on the policyholder.

In contrast, the Accidental Death Rider provides additional benefits in the event of death due to an accident, not addressing continuity of coverage during disability. The Disability Income Rider offers income replacement benefits in the event of disability, but it does not address the payment of premiums for the health policy itself. Finally, the Hospital Indemnity Rider provides a set benefit for hospital stays, but it also does not pertain to premium waivers or continuity of coverage during disability. Thus, the Waiver of Premium Rider is the most suitable choice for ensuring that an accident and health policy remains in force in the event of total disability.