What might be a consequence of not having a policy rider in certain insurance policies?

In the context of insurance policies, policy riders are additional provisions that can be added to a base policy to enhance coverage or provide specific benefits tailored to the policyholder's needs. By not including a rider, a policyholder may face potential gaps in coverage for specific events that the rider would typically address. For example, a critical illness rider or an accident rider could provide additional benefits under certain circumstances; without these, the policy may not cover certain risks, leaving the insured exposed when they could have used that extra support.

The available benefits from the base policy may not align with the coverage needed for particular situations, leading to insufficient support when those events occur. Hence, the absence of a policy rider can leave important needs unmet, emphasizing the significance of customizing insurance coverage through riders.