# Fixed - Plan by cart value
**Purpose:**
* **Provide flexibility in insurance charges** – Merchants can define different plans for different spending levels.
* **Ensure fairness for customers** – A customer with a smaller cart does not pay the same insurance as someone with a higher cart value.
* **Simplify cost calculation** – Instead of complex percentage-based formulas, merchants can assign simple fixed amounts for each price range.
* **Encourage higher order value** – Customers may see that by increasing their cart value, they get a better coverage plan, which can improve average order value.
### Steps to configure
1. **Navigate to Insurance Plans Menu**: Go to the Insurance Plans menu from the main menu.
2. **Choose a Fixed Plan**: Click the edit button, select the insurance plan type to "**Fixed**" and plan type to "**Plan by Cart value**"
3. **Select Plan by Cart Value**: Choose the Plan by Cart Value option under Fixed Plan.
4. **View Existing Plans**: You will see the list of created plans in the section below. \
\
\
Choose the Plan by Cart Value and List of Plans
5. **Create a New Plan**:
* Click on the **"Add New Plan"** button.
* A popup will appear.
* Enter the following details: \
1\. **Plan Name**\
**2. Minimum Amount**\
**3. Maximum Amount**\
**4. Amount for Insurance**
* Click the **"Create"** button.
* The new plan will appear in the list.
**Example Records:**
| Plan Name | Min Amount | Max Amount | Amount |
| ------------------- | ---------- | ---------- | ------ |
| Below 1000 | 10 | 100 | 5 |
| Between 1000 - 2000 | 1000 | 2000 | 100 |
| Between 2000 - 5000 | 2000 | 5000 | 250 |
**Note:**
Based on the **order subtotal**, the app will automatically compare the cart value with the defined **Min and Max ranges**, and then decide which insurance charge to apply.\
This means the insurance cost is **not the same for all orders**, but depends on the cart value range selected.
#### Output:
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