Underwriter · Member M100175
Rohan Bhatia
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
50 · Female
Policy ref
M100175
Luna LU-41555941
Product
Critical Illness
Segment · market
Priority Private · Hong Kong
Status
Active
Tier
5earned on Improvement path
Consent
Sharing
since 13 Oct 2025
Wear rate
86%
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
5
Tier 5 · 10% discount
Earned on the Improvement path · No change vs 2026-Q2
Attainment
55.9
Improvement
60.4
Protect
60.4
Attainment inputs
Peak Consistency56th percentile× 0.45 = 25.2
VO₂ Max decileDecile 5× 0.35 = 17.5
Resting HR percentile66th percentile× 0.2 = 13.2
Attainment = 25.2 + 17.5 + 13.2 = 55.9Improvement uses the 90-day Peak Consistency change: 73rd percentile
Wear rate
86% gate 80%
Fitness Age Gap
+2.0 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 | 1 | × 1 | 100 |
| Apr 2026 | 8 | × 1 | 800 |
| May 2026 | 4 | × 1 | 400 |
| Jun 2026 | 7 | × 1 | 700 |
| Jul 2026 | 8 | × 1 | 800 |
| Aug 2026 | 6 | × 1 | 600 |
| Sept 2026 | 7 | × 1 | 700 |
| Total | 41 | 4,100 |
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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