Underwriter · Member M100525
Kumar Desai
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
34 · Male
Policy ref
M100525
Luna LU-70144891
Product
Accident
Segment · market
Priority · India
Status
Active
Tier
3earned on Improvement path
Consent
Sharing
since 20 Jun 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
3
Tier 3 · 5% discount
Earned on the Improvement path · Upgraded vs 2026-Q2
Attainment
4.4
Improvement
40.1
Protect
40.1
20 points from the next band up.
Attainment inputs
Peak Consistency1st percentile× 0.45 = 0.5
VO₂ Max decileDecile 1× 0.35 = 3.5
Resting HR percentile2nd percentile× 0.2 = 0.4
Attainment = 0.5 + 3.5 + 0.4 = 4.4Improvement uses the 90-day Peak Consistency change: 28th percentile
Wear rate
93% gate 80%
Fitness Age Gap
±0.0 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 | 4 | × 1 | 400 |
| Jun 2026 | 3 | × 1 | 300 |
| Jul 2026 | 4 | × 1 | 400 |
| Aug 2026 | 1 | × 1 | 100 |
| Total | 26 | 2,900 |
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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