feat(subscription): gate insurance pages behind "insurance" plan feature

Wrap InsurancePricingPage and ClaimsPage in <FeatureGate feature="insurance">
so direct-URL access is blocked without an active subscription that enables
the feature. Add feature: "insurance" to the sidebar links (doctor/clinic/
secretary sections) so the menu items hide when the plan lacks it.

Make AdminSubscriptionPage feature controls dynamic: derive the plan feature
checkboxes from FEATURE_LABELS (now including "insurance") and switch the Zod
schema to z.record, so adding a feature only touches the label map.

No backend/migration change: plan.features is free-form JSON; existing plans
default to insurance:false and admins enable it per plan.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

assets/admin/pages/AdminSubscriptionPage.tsx

@@ -34,11 +34,7 @@ const planSchema = z.object({
   name:            z.string().min(1, 'نام الزامی است'),
   level:           z.coerce.number().min(0),
   max_secretaries: z.coerce.number().min(1),
-  features: z.object({
-    patient_records: z.boolean(),
-    services:        z.boolean(),
-    sms_panel:       z.boolean(),
-  }),
+  features: z.record(z.string(), z.boolean()),
   active: z.boolean(),
 });
 type PlanForm = z.infer<typeof planSchema>;
@@ -60,8 +56,14 @@ const FEATURE_LABELS: Record<string, string> = {
   patient_records: 'پرونده بیمار',
   services:        'سرویس‌ها',
   sms_panel:       'پنل پیامک',
+  insurance:       'بیمه و مطالبات',
 };
 
+const FEATURE_KEYS = Object.keys(FEATURE_LABELS);
+
+const emptyFeatures = (): Record<string, boolean> =>
+  Object.fromEntries(FEATURE_KEYS.map((k) => [k, false]));
+
 const PLAN_DISPLAY: Record<string, string> = {
   free:         'رایگان',
   basic:        'پایه',
@@ -86,7 +88,7 @@ function PlansTab() {
 
   const planForm = useForm<PlanForm>({
     resolver: zodResolver(planSchema),
-    defaultValues: { features: { patient_records: false, services: false, sms_panel: false }, active: true },
+    defaultValues: { features: emptyFeatures(), active: true },
   });
 
   const periodForm = useForm<PeriodForm>({
@@ -129,7 +131,7 @@ function PlansTab() {
       name:            plan.name,
       level:           plan.level,
       max_secretaries: plan.max_secretaries,
-      features:        { patient_records: plan.features.patient_records ?? false, services: plan.features.services ?? false, sms_panel: plan.features.sms_panel ?? false },
+      features:        { ...emptyFeatures(), ...plan.features },
       active:          (plan as any).active ?? true,
     });
     setPlanModal(plan);
@@ -157,7 +159,7 @@ function PlansTab() {
   return (
     <>
       <div style={{ display: 'flex', justifyContent: 'flex-end', marginBottom: 16 }}>
-        <button className="btn primary sm" onClick={() => { planForm.reset({ features: { patient_records: false, services: false, sms_panel: false }, active: true, level: 0, max_secretaries: 1 }); setPlanModal('create'); }}>
+        <button className="btn primary sm" onClick={() => { planForm.reset({ features: emptyFeatures(), active: true, level: 0, max_secretaries: 1 }); setPlanModal('create'); }}>
           <PlusIcon style={{ width: 16 }} /> پنل جدید
         </button>
       </div>