Don't blurt out stuff you're not sure about. If a staff member loses a bag while travelling, they are entitled to compensation.

Regarding the medical facilities, emergency medical facilities are available at the airport for all staff working within there. At all other times, depending on their grade of employment, they may be required to visit HMC for any other sickness.

And if you don't know about all this while signing your terms of employment, you should learn to open your mouth and ask the concerned HR person about your entitlements before you sign it.