Underwriter · Member M100707
Joanne Ng
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
45 · Female
Policy ref
M100707
Luna LU-64975111
Product
Accident
Segment · market
Private Banking · Hong Kong
Status
Active
Tier
4earned on Attainment path
Consent
Sharing
since 25 Aug 2025
Wear rate
100%
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
54
Improvement
46
Protect
54
26 points from the next band up.
Attainment inputs
Peak Consistency77th percentile× 0.45 = 34.6
VO₂ Max decileDecile 1× 0.35 = 3.5
Resting HR percentile79th percentile× 0.2 = 15.8
Attainment = 34.6 + 3.5 + 15.8 = 54.0Improvement uses the 90-day Peak Consistency change: 41st percentile
Wear rate
100% 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 | 16 | × 1.25 | 2,000 |
| May 2026 | 15 | × 1.25 | 1,875 |
| Jun 2026 | 21 | × 1.5 | 3,150 |
| Jul 2026 | 24 | × 1.5 | 3,600 |
| Aug 2026 | 19 | × 1.25 | 2,375 |
| Sept 2026 | 12 | × 1.25 | 1,500 |
| Total | 110 | 14,800 |
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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