A computer system for processing data related to a group benefit insurance policy issued to a group policyholder to extend coverage to individual insureds and having a critical illness benefit includes a data storage device storing data indicative of: a plurality of categories of medical diagnoses; a plurality of diagnoses associated with each of the categories; a first occurrence value; a second occurrence value; and prior claims under the critical illness benefit by the insured. The system is configured to provide instructions for payment of the first occurrence value for a first diagnosis of an insured in a category, and the second occurrence value, which is less than the first occurrence value, for a second diagnosis of the insured in the same category.