Exclusion-Free Gap Coverage
def reconcile(claim_id, insurer_paid):
owed = total_billed - insurer_paid
amount = owed - pre_paid
return gap(claim_id, amount)
Auto Adjudication
async def process_claim(claim_id):
oop = cop + ded + coins
await gap.coverage(oop)
return adjudicate(claim_id)
Parametric Payouts
async def execute_payout(claim_id):
claim = await process_claim(claim_id)
if claim.adjudicated:
await payout.transfer(claim.oop)
return "paid"