What does a hospitalization rider do in a life insurance policy?

A hospitalization rider in a life insurance policy specifically provides coverage for medical expenses that a policyholder incurs during hospitalization. This rider is beneficial for individuals who might want to ensure that they have financial support for healthcare costs that arise from being admitted to a hospital. By including this rider, the insured can mitigate potential out-of-pocket expenses associated with hospital stays, making it an important aspect of comprehensive coverage.

The focus of the hospitalization rider is strictly on the expenses related to medical treatment received during hospitalization, which is why this answer is considered correct. Since life insurance primarily provides a death benefit, the addition of this rider helps to supplement the policy with healthcare coverage that is often needed in times of serious health issues.