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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

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