1. A computer system for processing of data associated with insurance coverage, comprising: a communication device configured to provide data communications between two or more devices; a hardware server computer in communication with the communications device and comprising: one or more data storage devices storing database records, the database records storing at least the following data associated in the database with the insurance coverage: data indicative of an insured under the insurance coverage; data indicative of a maximum benefit amount payable under the insurance coverage; data indicative of a first category of risks under the insurance coverage; data indicative of a second category of risks under the insurance coverage; data indicative of a first benefit allocation corresponding to the first category of risks; and data indicative of a second benefit allocation corresponding to the second category of risks; the benefit allocations being fractions of and totaling the maximum benefit amount payable under the insurance coverage; one or more data storage devices storing non-transitory computer-readable program code; and one or more processors, in communication with the data storage devices, the program code causing the one or more processors to, responsive to receipt of data indicative of a claim under the insurance coverage: determine eligibility for a benefit under the insurance coverage based on the claim, 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 risks having a maximum equal to the corresponding benefit allocation.