This document describes the coverage provided by RAF Top-Up, a dual section insurance policy that tops up both the Road Accident Fund and medical aid for vehicle occupants. The policy provides personal accident benefits, pays for expedited claims against RAF, covers unnamed occupants, and relieves employers of financial obligations resulting from accidents. Vehicles under 13 seats are covered, excluding taxis and buses. Claims processing is effortless through an online system. Commissions of 20% of premiums are paid to brokers.