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System and method for processing data related to insurance coverage for a plurality of risks

  • US 8,265,964 B2
  • Filed: 12/30/2011
  • Issued: 09/11/2012
  • Est. Priority Date: 11/20/2007
  • Status: Expired due to Fees
First Claim
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1. A computer system for processing of data associated with insurance coverage, comprising:

  • a data storage device storing;

    data indicative of an insured under the insurance coverage;

    data indicative of an aggregate benefit amount associated with the insurance coverage, the aggregate benefit amount being a maximum benefit amount payable under the insurance coverage;

    data indicative of a first category of health risks under the insurance coverage;

    data indicative of a second category of health risks under the insurance coverage;

    data indicative of a first benefit allocation corresponding to the first category of health risks; and

    data indicative of a second benefit allocation corresponding to the second category of health risks;

    the benefit allocations being fractions of and totaling the aggregate benefit amount;

    a communication device for receiving data indicative of a claim over a network coupled to the communication device; and

    a processor, in communication with the communication device and the data storage device, the processor configured to;

    receive via the communication device the data indicative of a claim;

    responsive to the receipt of the data indicative of a claim, determine eligibility for a benefit based on the claim, andresponsive to determining that the insured is eligible, provide output data indicative of a benefit amount, the benefit amount for each of the categories of health risks having a maximum equal to the corresponding benefit allocation.

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