Underwriter · Member M100336
Kumar Chua
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 · Female
Policy ref
M100336
Luna LU-36762265
Product
Medical Indemnity
Segment · market
Priority · Hong Kong
Status
Active
Tier
5earned on Attainment path
Consent
Sharing
since 06 Jan 2026
Wear rate
93%
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 Attainment path · Upgraded vs 2026-Q2
Attainment
81
Improvement
49.5
Protect
81
Attainment inputs
Peak Consistency60th percentile× 0.45 = 27.0
VO₂ Max decileDecile 10× 0.35 = 35.0
Resting HR percentile95th percentile× 0.2 = 19.0
Attainment = 27.0 + 35.0 + 19.0 = 81.0Improvement uses the 90-day Peak Consistency change: 49th percentile
Wear rate
93% gate 80%
Fitness Age Gap
+2.6 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 | 9 | × 1 | 900 |
| May 2026 | 12 | × 1.25 | 1,500 |
| Jun 2026 | 11 | × 1.25 | 1,375 |
| Jul 2026 | 12 | × 1.25 | 1,500 |
| Aug 2026 | 13 | × 1.25 | 1,625 |
| Sept 2026 | 8 | × 1 | 800 |
| Total | 66 | 7,800 |
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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