Underwriter · Member M100756
Sunita Desai
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
46 · Female
Policy ref
M100756
Luna LU-79903712
Product
Critical Illness
Segment · market
Priority · Hong Kong
Status
Active
Tier
4earned on Attainment path
Consent
Sharing
since 29 Oct 2025
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
4
Tier 4 · 7.5% discount
Earned on the Attainment path · No change vs 2026-Q2
Attainment
62.2
Improvement
47.3
Protect
62.2
18 points from the next band up.
Attainment inputs
Peak Consistency60th percentile× 0.45 = 27.0
VO₂ Max decileDecile 10× 0.35 = 35.0
Resting HR percentile1st percentile× 0.2 = 0.2
Attainment = 27.0 + 35.0 + 0.2 = 62.2Improvement uses the 90-day Peak Consistency change: 44th percentile
Wear rate
93% gate 80%
Fitness Age Gap
−0.4 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 | 2 | × 1 | 200 |
| Apr 2026 | 16 | × 1.25 | 2,000 |
| May 2026 | 8 | × 1 | 800 |
| Jun 2026 | 12 | × 1.25 | 1,500 |
| Jul 2026 | 16 | × 1.25 | 2,000 |
| Aug 2026 | 14 | × 1.25 | 1,750 |
| Sept 2026 | 10 | × 1.25 | 1,250 |
| Total | 78 | 9,500 |
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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