Underwriter · Member M100287
Zhao Tan
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
46 · Male
Policy ref
M100287
Luna LU-44003772
Product
Accident
Segment · market
Priority · India
Status
Active
Tier
3earned on Attainment path
Consent
Sharing
since 16 Mar 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
3
Tier 3 · 5% discount
Earned on the Attainment path · No change vs 2026-Q2
Attainment
54.8
Improvement
38.8
Protect
54.8
5 points from the next band up.
Attainment inputs
Peak Consistency89th percentile× 0.45 = 40.1
VO₂ Max decileDecile 1× 0.35 = 3.5
Resting HR percentile56th percentile× 0.2 = 11.2
Attainment = 40.1 + 3.5 + 11.2 = 54.8Improvement uses the 90-day Peak Consistency change: 25th percentile
Wear rate
100% 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 |
|---|---|---|---|
| Mar 2026partial, data starts 27 Mar 2026 | 2 | × 1 | 200 |
| Apr 2026 | 12 | × 1.25 | 1,500 |
| May 2026 | 21 | × 1.5 | 3,150 |
| Jun 2026 | 21 | × 1.5 | 3,150 |
| Jul 2026 | 24 | × 1.5 | 3,600 |
| Aug 2026 | 25 | × 1.5 | 3,750 |
| Sept 2026 | 16 | × 1.25 | 2,000 |
| Total | 121 | 17,350 |
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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