Provision in a health insurance policy in which the insured does not have to pay the initial deductible if medical expenses result from an accidental injury.

1. Provision of the Social Security Act, Sections 1842(1) and 1879, that protects the patient from financial liability when Medicare denies or reduces payment for a service or item based on it being considered as ‘not reasonable and necessary’; under this provision, the patient may not be required to pay the provider for a service, if certain conditions are met. 2. In the Medicare program, provision that a beneficiary is not responsible to pay for a medical service if he or she was not informed that the service would not be covered by Medicare. Also see Advance Beneficiary Notice (ABN) .

1. Provision in an insurance policy that states under certain situations the insured’s coverage will continue without further payment of premiums (e.g., occurrence of permanent or total disability or unable to work due to an accident or injury). 2. Disability insurance policy provision that an employee does not have to pay any premiums while disabled. Also known as elimination period or waiver of premium for disability benefit .

Provision in an insurance policy that states the insurance company will not collect the policy’s premiums if the policyholder, not the insured child, dies or becomes disabled. This rider is often seen in juvenile policies.