Underwriter · Member M100609
Ravi Low
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
39 · Male
Policy ref
M100609
Luna LU-15592629
Product
Medical Indemnity
Segment · market
Priority · Singapore
Status
Active
Tier
3earned on Attainment path
Consent
Sharing
since 28 Mar 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
3
Tier 3 · 5% discount
Earned on the Attainment path · Upgraded vs 2026-Q2
Attainment
49.1
Improvement
38.8
Protect
49.1
11 points from the next band up.
Attainment inputs
Peak Consistency50th percentile× 0.45 = 22.5
VO₂ Max decileDecile 4× 0.35 = 14.0
Resting HR percentile63rd percentile× 0.2 = 12.6
Attainment = 22.5 + 14.0 + 12.6 = 49.1Improvement uses the 90-day Peak Consistency change: 25th 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 | 1 | × 1 | 100 |
| Apr 2026 | 7 | × 1 | 700 |
| May 2026 | 9 | × 1 | 900 |
| Jun 2026 | 14 | × 1.25 | 1,750 |
| Jul 2026 | 7 | × 1 | 700 |
| Aug 2026 | 11 | × 1.25 | 1,375 |
| Sept 2026 | 4 | × 1 | 400 |
| Total | 53 | 5,925 |
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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