Genesis Protect FAQ
Use this FAQ for short public answers about Genesis Protect Acute without widening it beyond current availability.
Genesis Protect Acute is bounded, reserve-gated, and operator-reviewed in Phase 0 with AI support. It is not broadly available insurance today.
| Audience | Read for |
|---|---|
| Members | Product scope, membership distinction, evidence expectations, and claim review. |
| Sponsors | Cohort fit, sponsor lanes, reserve gates, and what sponsorship does not change. |
| LPs and capital providers | Claims-paying reserve, capital classes, and stress behavior. |
| Builders and reviewers | Product boundaries, reserve attribution, and claim-review posture. |
For members
Is Genesis Protect broadly available insurance today?
No. Genesis Protect Acute has limited, reserve-gated launch availability. Current availability is specific and not broadly available insurance.
Why are there two launch SKUs?
Travel 30 is the primary launch SKU for longer travel windows and broader acute emergency spend. Event 7 is the short-window event SKU for conferences, offsites, and short trips.
What is the Travel 30 launch price?
Travel 30 uses a $99 launch reference with a $5,000 cap. Any discounted or cohort price must be supported by posted premium, sponsor, LP, or backstop capital before issuance.
What is the difference between app membership and the protection premium?
OmegaX Health app membership pays for the app and AI health-agent experience. The protection premium is a separate per-window charge that activates Travel 30 or Event 7 eligibility in the protocol.
Does app membership renewal mean protection renews too?
No. App membership renewal and protection-window renewal are not the same thing.
The app subscription can continue without automatically extending a protection window. A protection renewal is a new bounded coverage window, not a generic app-subscription renewal.
What evidence can I expect to provide for a claim?
Members can expect an invoice or itemized bill, a discharge summary or doctor note, proof of payment, and location plus date proof.
What happens if my claim needs more review?
Genesis Protect Phase 0 uses operator-led review with AI support. Claims can be held for more evidence, low-confidence review, or boundary checks before final approval or denial.
For sponsors
Can a sponsor fund protection without collapsing the membership distinction?
Yes. Sponsor-funded protection can support cohort issuance, but that does not turn app membership into claims-paying reserve or erase the difference between membership and protection premiums.
Does Event 7 support a sponsor lane?
Yes. Event 7 can support sponsor-funded cohorts under published cohort terms. Sponsors should also read Genesis Protect Sponsor Cohorts.
Does Travel 30 have the same sponsor lane?
No. Travel 30 cohort issuance requires explicit reserve and concentration review under published terms.
For LPs and capital providers
What counts as claims-paying reserve?
Posted capital, collected premiums, and explicit sponsor or backstop funds count as claims-paying reserve. Membership fees and unposted demand do not.
How do capital classes work?
Genesis Acute uses a junior first-loss class and a senior open class. The point is to keep loss exposure, reserve attribution, and redemption behavior explicit rather than hiding them in a generic pool.
What happens during stress?
If liabilities remain outstanding or reserve state weakens, redemptions can become queue-only. Capital is not instantly free while claims still need support.
For builders and reviewers
What keeps availability open?
Availability stays open only while posted reserve covers the marketed window, Phase 0 claim review is staffed, and published schema plus pricing stay aligned with active product configuration.
When can availability pause?
Availability can pause if reserve no longer covers the marketed window, if claim-review staffing drops below Phase 0 requirements, or if published schema, pricing, or benefits drift from active product configuration.