Underwriter · Member M100567
Gopal Menon
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
52 · Male
Policy ref
M100567
Luna LU-25175298
Product
Medical Indemnity
Segment · market
Priority · Hong Kong
Status
Lapsed · 18 Jul 2026
Tier
4earned on Attainment path
Consent
Sharing
since 30 Apr 2026
Wear rate
96%
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
69.2
Improvement
45
Protect
69.2
11 points from the next band up.
Attainment inputs
Peak Consistency68th percentile× 0.45 = 30.6
VO₂ Max decileDecile 8× 0.35 = 28.0
Resting HR percentile53rd percentile× 0.2 = 10.6
Attainment = 30.6 + 28.0 + 10.6 = 69.2Improvement uses the 90-day Peak Consistency change: 39th percentile
Wear rate
96% 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 | 3 | × 1 | 300 |
| Apr 2026 | 14 | × 1.25 | 1,750 |
| May 2026 | 10 | × 1.25 | 1,250 |
| Jun 2026 | 17 | × 1.25 | 2,125 |
| Jul 2026 | 10 | × 1.25 | 1,250 |
| Aug 2026 | 13 | × 1.25 | 1,625 |
| Sept 2026 | 10 | × 1.25 | 1,250 |
| Total | 77 | 9,550 |
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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