Underwriter · Member M100686
Shreya Nair
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
65 · Male
Policy ref
M100686
Luna LU-63353520
Product
Medical Indemnity
Segment · market
Priority · Hong Kong
Status
Active
Tier
5earned on Attainment path
Consent
Sharing
since 02 Dec 2025
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
5
Tier 5 · 10% discount
Earned on the Attainment path · No change vs 2026-Q2
Attainment
85.7
Improvement
71.6
Protect
85.7
Attainment inputs
Peak Consistency86th percentile× 0.45 = 38.7
VO₂ Max decileDecile 10× 0.35 = 35.0
Resting HR percentile60th percentile× 0.2 = 12.0
Attainment = 38.7 + 35.0 + 12.0 = 85.7Improvement uses the 90-day Peak Consistency change: 98th percentile
Wear rate
96% gate 80%
Fitness Age Gap
+1.7 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 | 11 | × 1.25 | 1,375 |
| May 2026 | 7 | × 1 | 700 |
| Jun 2026 | 10 | × 1.25 | 1,250 |
| Jul 2026 | 10 | × 1.25 | 1,250 |
| Aug 2026 | 13 | × 1.25 | 1,625 |
| Sept 2026 | 14 | × 1.25 | 1,750 |
| Total | 66 | 8,050 |
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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