Genesis Protect FAQ
Use this FAQ when you need the short public answer for members, sponsors, LPs, or operators without widening Genesis Protect beyond its current launch posture.
Genesis Protect Acute is bounded, reserve-gated, and operator-reviewed in Phase 0. It is not broadly available insurance today.
| Audience | Read for |
|---|---|
| Members | Product scope, membership distinction, evidence expectations, and review posture. |
| Sponsors | Cohort fit, sponsor lanes, reserve gates, and what sponsorship does not change. |
| LPs and capital providers | Claims-paying reserve, capital classes, and stress posture. |
| Operators | Conditions for issuance and pause decisions. |
For members
Is Genesis Protect broadly available insurance today?
No. Genesis Protect Acute is on a bounded mainnet launch target. The current public launch posture is limited and specific, 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 fast demo SKU for shorter trips, conferences, and offsites.
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, and a protection renewal should be described as a new bounded coverage window rather than a generic app-subscription renewal.
What evidence should I expect to provide for a claim?
Members should 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-backed review. 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. The current Genesis launch shell gives Event 7 a dedicated sponsor lane alongside premium and liquidity lanes. Sponsors should also read Genesis Protect Sponsor Cohorts.
Does Travel 30 have the same sponsor lane?
No. The current launch shell keeps Travel 30 on premium and liquidity lanes only.
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 future demand do not.
How should I think about capital classes?
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 pooled into a black-box story.
What happens during stress?
If liabilities stay outstanding or reserve posture deteriorates, redemptions can become queue-only rather than pretending capital is instantly free while claims still need support.
For operators
What should keep issuance open?
Issuance should stay open only while posted reserve covers the marketed window, Phase 0 claim review is staffed, and published schema plus pricing truth stay aligned with the launch metadata.
What should force a pause?
Pause issuance if reserve no longer covers the marketed window, if claim-review staffing drops below Phase 0 readiness, or if published schema, pricing, or benefit truth drifts from the launch metadata.