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[Music] what is a fixed benefit health insurance plan a fixed benefit health insurance plan is a variation of the normal health insurance which is offered by general insurance companies and a specialized health insurance companies here the payout is not linked to the expenses which you incurred so you might actually incur a two-lap cost but a fixed benefit plan would have a predetermined amount which will get paid out Ill explain this with the help of an example later most of the life insurance companies offer fixed benefit health insurance plans I would always recommend that you first have a standard indemnity based health insurance plan and then if you have a budget you go in for a fixed benefit health insurance plan now let me explain a fixed benefit health insurance plan with the help of an example suppose you have a critical illness insurance plan a critical illness insurance plan is actually a fixed benefit plan here say the company covers a list of 17 critical illnesses and in