1.An attachment to a health insurance policy which specifies that benefits will not be provided for any loss that results from the condition described in the rider. Also known as impairment rider. 2.An attachment to an automobile insurance policy excluding a specific person or persons in the family from coverage because they are high risk.

Attached to and made a part of the policy, this document, which the insured generally must sign, indicates a condition(s) which is specifically not going to be covered under this insured's policy. Example: any disease or disorder of the lungs. Riders like these are placed as a result of the individual evaluation of the insured's history.

A health insurance policy rider that waives the insurer's liability for all future claims on a preexisting condition.