Risk Tiers · Underwriter

Risk tiers & discount bands

A gate plus two paths, not a weighted blend: we reward being healthy, or getting healthier, and you only need one.

Provisional · 2026-Q3, freezes at period close

Tier distribution

96 of 120 monitored members are rated · 24 Unrated

0%2.5%5%7.5%10%No score

Premium discount per band

Score composition

Luna Protect Score = the higher of Attainment and Improvement

Peak Consistency percentile45%

Behaviour — activity, sleep and recovery, ranked within this insurer’s book.

VO₂ Max decile35%

Cardiorespiratory capacity, normed for age and sex.

Resting HR percentile20%

Cardiovascular baseline, normed for age and sex; lower resting HR ranks higher.

Drag to re-weight · normalised to 100% · feeds the tier simulator below

Eligibility gate

80%

Qualifying days in the period. A data-validity check, never scored. Below it a member is

Unrated not in tier 1

Two-path rule

We reward being healthy, or getting healthier, and you only need one.

Device compliance cannot buy a discount: it only decides whether the data is trusted.

About to move

Within 4 points of the next tier up on the provisional score — the only tier signal still actionable before 2026-Q3 closes.

Notify RM Push upgraders to a challenge

18 members within reach of an upgrade

Member	Current tier	Points to next tier	Qualifying days	Path	Suggested action
Samuel Koh 45M · Priority · Singapore	3	0	96%	Improvement	Recognise the progress; a challenge keeps the trend going to period close
Terence Ng 47M · Priority Private · India	2	0	96%	Improvement	Recognise the progress; a challenge keeps the trend going to period close
M100273 Data sharing not enabled	2	1	100%	Attainment	Mention what the next tier unlocks at renewal
Lina Pillai 50M · Priority · Hong Kong	2	2	89%	Attainment	Mention what the next tier unlocks at renewal
Clarice Ng 40F · Priority · Singapore	2	2	100%	Attainment	Mention what the next tier unlocks at renewal
Elaine Bhatia 45M · Priority Private · Singapore	1	2	100%	Attainment	Mention what the next tier unlocks at renewal
Aisha Iqbal 39M · Priority Private · India	3	2	86%	Improvement	Recognise the progress; a challenge keeps the trend going to period close
Daniel Wong 55F · Priority · Singapore	1	2	93%	Attainment	Mention what the next tier unlocks at renewal
Zhao Chua 47F · Private Banking · Singapore	4	2	100%	Attainment	Mention what the next tier unlocks at renewal
M100658 Data sharing not enabled	2	2	96%	Improvement	Recognise the progress; a challenge keeps the trend going to period close
Shreya Hassan 50F · Private Banking · Singapore	4	2	96%	Attainment	Mention what the next tier unlocks at renewal
Yusof Lim 41F · Priority · India	3	3	96%	Attainment	Mention what the next tier unlocks at renewal
Cheryl Tan 40M · Priority Private · Singapore	2	3	93%	Attainment	Mention what the next tier unlocks at renewal
M100553 Data sharing not enabled	3	3	86%Run rate 79%	Improvement	Wear reminder first — the gate is at risk before the upgrade lands
Elaine Seah 27M · Priority · Hong Kong	2	4	100%	Attainment	Mention what the next tier unlocks at renewal
Gopal Chandran 30M · Priority Private · India	3	4	93%	Improvement	Recognise the progress; a challenge keeps the trend going to period close
Priya Pillai 43F · Private Banking · Singapore	2	4	86%	Attainment	Mention what the next tier unlocks at renewal
M100693 Data sharing not enabled	4	4	93%	Attainment	Mention what the next tier unlocks at renewal

Plausibility checks

Loading daily data…

This is detection, not a determination. These are rule-based checks computed from daily aggregates, surfacing implausible patterns for human review — never a fraud finding on their own. A flag never voids or changes a tier.

Steps without sleep record

…

members flagged

Steps recorded but no sleep record for 7+ consecutive days

Action · Flag for review

Implausible step count

…

members flagged

Daily steps above 60,000

Action · Day excluded from qualifying days

Steps / Activity score mismatch

…

members flagged

15,000+ steps with an Activity score under 40, or under 1,000 steps with a score over 80

Action · Flag for review

Baseline discontinuity

…

members flagged

Median resting HR shifts more than 8 bpm between adjacent 7-day windows, with no transition

Action · Flag for review

Path split monitor

Share of upgrades earned on the improvement path. A low share means the scheme is rewarding only the already healthy.

Upgrades via improvement

65%

11 of 17 upgrades vs 2026-Q2

Low-water mark

40%

Tenant-configurable alert threshold

Status

Within range

Members are qualifying by getting healthier, not only by already being healthy.

Tier simulator

Underwriter only · non-destructive. Nothing here writes to live tiers.

Settings

Eligibility gate80%

Tier count5

Maximum discount10%

T1 · 0%T2 · 2.5%T3 · 5%T4 · 7.5%T5 · 10%

Input weights · normalised to 100%

Peak Cons.45%VO₂ decile35%RHR pctile20%

Liability change

Modelled

−$3,310

/ yr

$35k → $32k

Discount up

members

Discount down

members

Improvement path

48%

of rated · live 48%

Redistribution

At live settings the simulated book matches today

5 tiers → 5 tiers

LiveSimulated

Attainment is recomputed from its inputs — Peak Consistency percentile within the whole monitored book, VO₂ decile and resting HR percentile — and reproduces 102 of 120 stored tiers at live settings. On the Improvement path only the Peak Consistency 90-day change is in the sample; the VO₂-decile and RHR-percentile changes are held at the 50th percentile, so reweighting moves their share of the score but not their rank.

Modelled Liability uses modelled premiums per band.Lower discount spend than live.