a computer system for processing of data associated with insurance coverage includes a data storage device storing data indicative of : an insured ; an aggregate benefit amount , the aggregate benefit amount being a maximum benefit amount payable under the insurance coverage ; a first category of health risks ; a second category of health risks ; a first benefit allocation corresponding to the first category of health risks ; and 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 processor of the system is configured to , responsive to the receipt of data indicative of a claim , determine eligibility for a benefit , and responsive 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 .