What may be used to define the terms of an insurance contract?

A rider is a provision added to an insurance policy that modifies the coverage or terms of the contract. Riders can enhance the policy by providing additional benefits, restrictions, or conditions that are not included in the standard policy. For example, a rider might specify additional coverage for specific illnesses or conditions, or it might change the terms regarding exclusions or limits on benefits.

Riders effectively allow insurers and policyholders to tailor an insurance contract to better meet the needs of the insured. This flexibility is essential in defining the exact terms under which coverage is provided, thereby influencing the agreement between the insurance company and the policyholder.

In contrast, other terms such as stop-loss provisions (which relate to limits on out-of-pocket expenses), section guidelines (which pertain to specific sets of rules for sections of healthcare providers), and provider withholds (which involve withholding a portion of payment to ensure quality care) do not specifically define the contract terms itself but rather influence how the contract is implemented or managed.