Benefits- Work Injury Compensation

Hi,

currently I am working on Insurance Plan for Work Injury Comppensation that is only applicable for those warehouse workers.

Under the coverage variant I have defined Outpatient Primary Care as well as Inpatient Care. For the paramter group: I defined age group becaue older workers are less agile than younger workers as they might not have the energy to carry things around. Hence, the premium pay for age group will be higher as they are more prone to injury.

How do I define coverage grouping for insurance plan whereby it is used to differntiate between employees. Can you guys give me some ideas?

Thanks!:)