Which of the following is NOT included under a health benefit plan?

A hospital indemnity plan is designed to provide a fixed cash benefit for each day a policyholder is hospitalized, regardless of the actual medical expenses incurred. This type of plan primarily serves as supplemental insurance rather than being part of a standard health benefit plan that typically focuses on covering specific healthcare costs.

In contrast, major medical policies, basic hospital policies, and surgical expense policies are integral components of comprehensive health benefit plans. These policies address various aspects of medical expenses, such as hospital stays, surgeries, and broader medical needs, making them essential for managing healthcare costs. Therefore, a hospital indemnity plan stands out as it is more of a supplementary financial support mechanism rather than a core health benefit.