...
SchemeClerk (Clerk)
PolicyHolder
C/R/U
PolicyHolderInsuree
C/R/U/D
Approve (TBC)
PolicyHolderUser
C/R/U/D
SchemeAdmin
PolicyHolder
C/R/U/D
PolicyHolderInsuree
C/R/U/D
Approve (TBC)
PolicyHolderContributionPlan
C/R/U/D
PolicyHolderUser
C/R/U/D
PolicyHolderClerk*
PolicyHolderInsuree
C/R/U
...