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, 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.