Underwriter · Member M100252
Siti 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
24 · Female
Policy ref
M100252
Luna LU-84512603
Product
Whole Life
Segment · market
Priority Private · Hong Kong
Status
Active
Tier
Unratedbelow eligibility gate
Consent
Sharing
since 18 Aug 2025
Wear rate
68%
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
Unrated
Unrated · no discount
Qualifying-day rate below 80% eligibility gate
Attainment
—
Improvement
—
Protect
—
Attainment inputs
Peak Consistency52nd percentile× 0.45 = 23.4
VO₂ Max decileDecile 2× 0.35 = 7.0
Resting HR percentile63rd percentile× 0.2 = 12.6
Attainment = 23.4 + 7.0 + 12.6 = 43.0Improvement uses the 90-day Peak Consistency change: 25th percentile
Wear rate
68% gate 80%
Fitness Age Gap
+1.9 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 | 8 | × 1 | 800 |
| May 2026 | 5 | × 1 | 500 |
| Jun 2026 | 8 | × 1 | 800 |
| Jul 2026 | 12 | × 1.25 | 1,500 |
| Aug 2026 | 6 | × 1 | 600 |
| Sept 2026 | 4 | × 1 | 400 |
| Total | 43 | 4,600 |
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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