Underwriter · Member M100315
Bryan 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
32 · Female
Policy ref
M100315
Luna LU-76851163
Product
Critical Illness
Segment · market
Priority · Hong Kong
Status
Active
Tier
Unratedbelow eligibility gate
Consent
Sharing
since 30 Mar 2026
Wear rate
79%
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 Consistency1st percentile× 0.45 = 0.5
VO₂ Max decileDecile 6× 0.35 = 21.0
Resting HR percentile7th percentile× 0.2 = 1.4
Attainment = 0.5 + 21.0 + 1.4 = 22.8Improvement uses the 90-day Peak Consistency change: 24th percentile
Wear rate
79% gate 80%
Fitness Age Gap
−0.1 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 | 10 | × 1.25 | 1,250 |
| May 2026 | 7 | × 1 | 700 |
| Jun 2026 | 4 | × 1 | 400 |
| Jul 2026 | 2 | × 1 | 200 |
| Aug 2026 | 2 | × 1 | 200 |
| Total | 27 | 2,950 |
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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