Underwriter · Member M100245
Clarice Iqbal
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
43 · Male
Policy ref
M100245
Luna LU-99813542
Product
Critical Illness
Segment · market
Priority · Hong Kong
Status
Active
Tier
4earned on Improvement path
Consent
Sharing
since 20 Jan 2026
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
4
Tier 4 · 7.5% discount
Earned on the Improvement path · No change vs 2026-Q2
Attainment
56.3
Improvement
70.7
Protect
70.7
9 points from the next band up.
Attainment inputs
Peak Consistency88th percentile× 0.45 = 39.6
VO₂ Max decileDecile 1× 0.35 = 3.5
Resting HR percentile66th percentile× 0.2 = 13.2
Attainment = 39.6 + 3.5 + 13.2 = 56.3Improvement uses the 90-day Peak Consistency change: 96th percentile
Wear rate
100% gate 80%
Fitness Age Gap
+2.3 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 | 4 | × 1 | 400 |
| Apr 2026 | 15 | × 1.25 | 1,875 |
| May 2026 | 13 | × 1.25 | 1,625 |
| Jun 2026 | 12 | × 1.25 | 1,500 |
| Jul 2026 | 19 | × 1.25 | 2,375 |
| Aug 2026 | 19 | × 1.25 | 2,375 |
| Sept 2026 | 14 | × 1.25 | 1,750 |
| Total | 96 | 11,900 |
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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