Genesis Protect Acute
Genesis Protect Acute is a bounded acute emergency travel protection product built around OmegaX Protocol reserves, claim cases, evidence references, and settlement rules.
Use this page for the public product facts: who it fits, what Travel 30 and Event 7 cover, what is excluded, what evidence is expected, and how app membership differs from protection.
Travel 30is the primary launch SKU.Event 7is the short-window event SKU.- Genesis Protect Acute has limited, reserve-gated launch availability and is not broadly available insurance today.
- Phase 0 claim review is operator-led and supported by AI.
- 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. |
| Builders | How a live product maps acute coverage, claims, and reserve state onto the protocol model. |
Launch SKU comparison
Primary launch SKU
Travel 30
Longer trips, nomads, and resident-style travel windows
- Cover window
- 30 days
- Premium
- $99 launch reference
- Max payout
- $5,000 aggregate
Short-window event SKU
Event 7
Short trips, conferences, and team offsites
- Cover window
- 7 days
- Premium
- $39
- Max payout
- $3,000
Primary launch SKU
Travel 30
- Best fit
- Longer trips, nomads, and resident-style travel windows
- Cover window
- 30 days
- Premium
- $99 launch reference
- Cohort pricing
- Under published cohort terms only
- Payout model
- Fixed tier benefit; reimbursement top-up only where published terms and reserve state allow it
- Max payout
- $5,000 aggregate
- Waiting period
- 7-day illness / 24-hour accident
Short-window event SKU
Event 7
- Best fit
- Short trips, conferences, and team offsites
- Cover window
- 7 days
- Premium
- $39
- Cohort pricing
- Under published cohort terms only
- Payout model
- Fixed benefit only
- Max payout
- $3,000
- Waiting period
- 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 reimburse acute emergency medical spend above the fixed tier benefit only where published terms and reserve state allow it, up to the $5,000 aggregate maximum.
Travel 30 uses a $99 launch reference price. Payments count toward claims-paying reserve only after the protection window is activated and reserve accounting records them.
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 | $3,000 |
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 can 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.
Related protocol pages
Read these next when you need the protocol or reserve model behind the product:
- 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.