Underwriter · Member M100154
Gopal Chandran
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
30 · Male
Policy ref
M100154
Luna LU-58410185
Product
Medical Indemnity
Segment · market
Priority Private · India
Status
Active
Tier
3earned on Improvement path
Consent
Sharing
since 12 Sept 2025
Wear rate
93%
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
49.4
Improvement
55.9
Protect
55.9
4 points from the next band up.
Attainment inputs
Peak Consistency39th percentile× 0.45 = 17.6
VO₂ Max decileDecile 7× 0.35 = 24.5
Resting HR percentile37th percentile× 0.2 = 7.4
Attainment = 17.6 + 24.5 + 7.4 = 49.4Improvement uses the 90-day Peak Consistency change: 63rd percentile
Wear rate
93% gate 80%
Fitness Age Gap
+1.7 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 |
|---|---|---|---|
| Apr 2026 | 2 | × 1 | 200 |
| May 2026 | 4 | × 1 | 400 |
| Jun 2026 | 2 | × 1 | 200 |
| Jul 2026 | 6 | × 1 | 600 |
| Aug 2026 | 4 | × 1 | 400 |
| Sept 2026 | 3 | × 1 | 300 |
| Total | 21 | 2,100 |
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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