Underwriter · Member M100616
Chen Hao Teo
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
31 · Female
Policy ref
M100616
Luna LU-71691835
Product
Accident
Segment · market
Private Banking · Hong Kong
Status
Active
Tier
5earned on Attainment path
Consent
Sharing
since 14 Mar 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 · No change vs 2026-Q2
Attainment
82.8
Improvement
63.1
Protect
82.8
Attainment inputs
Peak Consistency84th percentile× 0.45 = 37.8
VO₂ Max decileDecile 10× 0.35 = 35.0
Resting HR percentile50th percentile× 0.2 = 10.0
Attainment = 37.8 + 35.0 + 10.0 = 82.8Improvement uses the 90-day Peak Consistency change: 79th percentile
Wear rate
93% gate 80%
Fitness Age Gap
+1.4 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 | 16 | × 1.25 | 2,000 |
| May 2026 | 18 | × 1.25 | 2,250 |
| Jun 2026 | 13 | × 1.25 | 1,625 |
| Jul 2026 | 17 | × 1.25 | 2,125 |
| Aug 2026 | 13 | × 1.25 | 1,625 |
| Sept 2026 | 13 | × 1.25 | 1,625 |
| Total | 91 | 11,350 |
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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