Underwriter · Member M100378
Rajiv Sharma
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
33 · Male
Policy ref
M100378
Luna LU-24071398
Product
Medical Indemnity
Segment · market
Priority · Hong Kong
Status
Lapsed · 14 May 2026
Tier
4earned on Attainment path
Consent
Sharing
since 08 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
4
Tier 4 · 7.5% discount
Earned on the Attainment path · No change vs 2026-Q2
Attainment
66.8
Improvement
58.1
Protect
66.8
13 points from the next band up.
Attainment inputs
Peak Consistency93rd percentile× 0.45 = 41.9
VO₂ Max decileDecile 3× 0.35 = 10.5
Resting HR percentile72nd percentile× 0.2 = 14.4
Attainment = 41.9 + 10.5 + 14.4 = 66.8Improvement uses the 90-day Peak Consistency change: 68th percentile
Wear rate
93% gate 80%
Fitness Age Gap
+2.9 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 | 15 | × 1.25 | 1,875 |
| May 2026 | 20 | × 1.5 | 3,000 |
| Jun 2026 | 20 | × 1.5 | 3,000 |
| Jul 2026 | 22 | × 1.5 | 3,300 |
| Aug 2026 | 24 | × 1.5 | 3,600 |
| Sept 2026 | 16 | × 1.25 | 2,000 |
| Total | 119 | 16,975 |
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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