Genesis Protect Acute product facts
Genesis Protect Acute is OmegaX's bounded acute emergency travel protection launch.
Use this page when you need the product facts: who it fits, what Travel 30 and Event 7 cover, what is excluded, what evidence is expected, and how membership differs from protection.
Travel 30is the primary launch SKU.Event 7is the fast demo SKU.- Genesis Protect Acute is on a bounded mainnet launch target, not broadly available insurance today.
- Phase 0 claim review is operator-backed.
- OmegaX Health app membership and Genesis protection premiums are separate commercial layers.
Who it is for
Genesis Protect Acute fits defined travel or event windows where a member or cohort needs acute emergency protection with clear benefit triggers, evidence requirements, and reserve-backed payout rules.
It is not broad health insurance, routine care coverage, evacuation or baggage cover, or an always-on benefit included with app membership.
| Reader | Use this page to decide |
|---|---|
| Members | Whether a trip or event window matches the acute emergency scope. |
| Sponsors | Whether a cohort needs Event 7, Travel 30, or a later product shape. |
| LPs and capital providers | What kind of claim exposure the Genesis reserve lanes are meant to support. |
| Operators | Which product facts, evidence expectations, and exclusions must stay consistent. |
Launch SKU comparison
| SKU | Best fit | Cover window | Retail premium | Cohort pricing | Payout posture | Max payout | Waiting period |
|---|---|---|---|---|---|---|---|
Travel 30 | Longer trips, nomads, and resident-style travel windows | 30 days | $99 | $69-$89 | Fixed tier benefit plus reimbursement top-up | $5,000 aggregate | 7-day illness / 24-hour accident |
Event 7 | Short trips, conferences, and team offsites | 7 days | $39 | $29-$35 | Fixed benefit only | $1,500 | 7-day illness / 24-hour accident |
Sponsor cohorts may waive the standard waiting period only where the published cohort terms allow it.
Travel 30 benefit schedule
| Tier | Trigger | Fixed benefit |
|---|---|---|
Tier 1 | ER or urgent hospital evaluation with same-day discharge | $250 |
Tier 2 | Overnight admission | $1,000 |
Tier 3 | Surgery, ICU, or 2+ nights | $2,500 |
Travel 30 can also reimburse acute emergency medical spend above the fixed tier benefit, up to the $5,000 aggregate maximum.
Event 7 benefit schedule
| Tier | Trigger | Fixed benefit |
|---|---|---|
Tier 1 | ER or urgent hospital evaluation with same-day discharge | $150 |
Tier 2 | Overnight admission | $500 |
Tier 3 | Surgery, ICU, or 2+ nights | $1,500 |
Event 7 is fixed-benefit-only. It does not add a reimbursement top-up above the fixed tier amount.
What Genesis Protect covers
- Acute, unplanned, and medically necessary events inside the active cover window
- Accidental injury needing urgent treatment
- Sudden acute illness needing ER or inpatient care
- Ambulance tied to the covered acute event
- Emergency imaging, labs, procedures, medications, and hospital fees tied to the covered acute event
Evidence members should expect
- Invoice or itemized bill
- Discharge summary or doctor note
- Proof of payment
- Location and date proof
Key exclusions
- Chronic and pre-existing conditions
- Pregnancy, maternity, fertility, and neonatal care
- Routine outpatient and elective procedures
- Preventive care, screening, wellness checks, and standard medication refills
- Ongoing mental health treatment
- Dental, optical, and hearing care unless a later trauma rider is added
- Evacuation, repatriation, baggage, and trip cancellation
- Substance-related events, self-harm, fraud, criminal acts, and sanctions-excluded scenarios
Membership and protection are separate
OmegaX Health app membership pays for the app experience, the AI health agent experience, and related premium app features.
Genesis Protect premiums are separate per-window protection charges that activate Travel 30 or Event 7 eligibility inside the protocol. Those premiums contribute to protection reserve economics. App membership does not.
Before selling or integrating it
Do not use this product page alone as the full public boundary. Check:
- Genesis Protect Availability for issuance gates and public availability limits.
- Genesis Protect Sponsor Cohorts for sponsor-lane fit and reserve requirements.
- Genesis Claims Operations for claim review and payout anchoring.
- Genesis Reserve Lanes and Capital Classes for claims-paying reserve attribution.