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SchemeClerk( Clerck)
- PolicyHolder*
  - C/R/U
- PolicyHolderInsuree
  - C/R/U/D
  - Approve (TBC)
- PolicyHolderUser
  - C/R/U/D
- PolicyHolderContract
  - C/R/U
  - Submit
  - Approve
- ContributionPlanBundle
  - R
- ContributionPlan
  - R
- PolicyHolderContributionPlan
  - R
SchemeAdmin*
- PolicyHolder
  - C/R/U/D
- PolicyHolderInsuree
  - C/R/U/D
  - Approve (TBC)
- PolicyHolderUser
  - C/R/U/D
- PolicyHolderContract
  - C/R/U/D
  - Submit
  - Approve
- ContributionPlanBundle
  - C/R/U/D
- ContributionPlan
  - C/R/U/D
- PolicyHolderContributionPlan
  - C/R/U/D
PolicyHolderClerk
- PolicyHolderInsuree
  - C/R/U
- PolicyHolderContract
  - R/U
  - Submit
- ContributionPlanBundle
  - R
- ContributionPlan
  - R
- payment
  - submits
accountant*
- Payment
  - Validate

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