Underwriter · Member M100147
Kavita Koh
Tier fields only: the band, the path it was earned on and the inputs that produced it. Vitals, alerts and panels are not part of the underwriting view.
Age · sex
40 · Female
Policy ref
M100147
Luna LU-76970155
Product
Medical Indemnity
Segment · market
Private Banking · India
Status
Lapsed · 25 Jun 2026
Tier
3earned on Improvement path
Consent
Sharing
since 10 Dec 2025
Wear rate
100%
qualifying days, last 28
History
…
Last sync
1 day ago
Tier and inputs
2026-Q3 assignment. Scores are 0–100; the higher of the two paths sets the tier.
Assigned tier
3
Tier 3 · 5% discount
Earned on the Improvement path · No change vs 2026-Q2
Attainment
4.2
Improvement
36.5
Protect
36.5
24 points from the next band up.
Attainment inputs
Peak Consistency1st percentile× 0.45 = 0.5
VO₂ Max decileDecile 1× 0.35 = 3.5
Resting HR percentile1st percentile× 0.2 = 0.2
Attainment = 0.5 + 3.5 + 0.2 = 4.2Improvement uses the 90-day Peak Consistency change: 20th percentile
Wear rate
100% gate 80%
Fitness Age Gap
−1.1 yrs not a tier input
Rewards
Peak Days convert to loyalty points: 100 per day, multiplied by monthly volume, capped at 25 days a month.
| Month | Peak Days | Multiplier | Points |
|---|---|---|---|
| Mar 2026partial, data starts 27 Mar 2026 | 3 | × 1 | 300 |
| Apr 2026 | 5 | × 1 | 500 |
| May 2026 | 3 | × 1 | 300 |
| Jun 2026 | 3 | × 1 | 300 |
| Jul 2026 | 4 | × 1 | 400 |
| Total | 18 | 1,800 |
Redemptions are held by the bank’s loyalty platform and are not in the sample set; they appear here once that connector is live.
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