diff --git a/docs/api/admin.md b/docs/api/admin.md
index fe0a0f4e..9f75d02d 100644
--- a/docs/api/admin.md
+++ b/docs/api/admin.md
@@ -458,6 +458,8 @@ Delete a clinic.
 
 **Permission:** `ROLE_ADMIN`
 
+> **Side effect:** the clinic's insurance configuration (`tenant_insurances`, `entity_insurance_pricing`, and their `tenant_service_coverages`) is purged in the same request — polymorphic `entity_id`, cleaned up at the application level.
+
 ### Response `200`
 ```json
 { "success": true, "data": { "message": "کلینیک حذف شد" } }
diff --git a/docs/api/doctor.md b/docs/api/doctor.md
index 92b51f24..44bd122c 100644
--- a/docs/api/doctor.md
+++ b/docs/api/doctor.md
@@ -261,6 +261,8 @@ Delete a doctor profile.
 
 **Permission:** `ROLE_ADMIN`
 
+> **Side effect:** the doctor's insurance configuration (`tenant_insurances`, `entity_insurance_pricing`, and their `tenant_service_coverages`) is purged in the same request — these reference the doctor via a polymorphic `entity_id` with no DB FK, so the cleanup is enforced in the application.
+
 ### Path Parameters
 | Param | Type | Description |
 |-------|------|-------------|
diff --git a/docs/audit-backlog.md b/docs/audit-backlog.md
index 739505ff..51e5a216 100644
--- a/docs/audit-backlog.md
+++ b/docs/audit-backlog.md
@@ -41,7 +41,7 @@ _None outstanding._
 | ✅H2 | No UNIQUE `(doctor_id, slot_start)` on Appointment → double-booking race (index is non-unique) | src/Appointment/Entity/Appointment.php | db-unique | **DONE** — nullable unique `active_slot_key` (occupying = pending/confirmed, mirrors `isSlotTaken`); `bookAtomically` catches the unique violation + expires lapsed pendings in-txn; all 3 booking paths (online/my/admin) routed through it. Migration backfills one row per slot (non-destructive). `tests/Appointment/SlotUniquenessTest`. **NB:** backfill surfaced a real pre-existing double-booked slot in dev data (doctor 1764, two `expired` rows) — harmless (both expired = key NULL). |
 | ✅H3 | `Payment.referenceId` not unique → same gateway callback credited twice | src/Payment/Entity/Payment.php:61-62 | db-unique | **DONE** — unique index on `reference_id` (NULL until success → no collision) + callback pre-check rejects replays. `tests/Payment/PaymentCallbackAmountTest::testReplayedGatewayReferenceIsRejected` |
 | ✅H4 | `FinancialBreakdown.payment` onDelete CASCADE on non-nullable FK → deleting a Payment destroys ledger rows; should be RESTRICT | src/Settlement/Entity/FinancialBreakdown.php:28-30 | db-ondelete | **DONE** — onDelete RESTRICT + migration. `tests/Settlement/FinancialBreakdownIntegrityTest` |
-| H5 | Insurance pricing/coverage modeled as raw int FKs (no FK/onDelete) → orphan rows on delete: `EntityInsurancePricing.entity_id/insurance_id`, `TenantInsurance.entity_id/insurance_id`, `TenantServiceCoverage.tenant_insurance_id` | src/Insurance/Entity/EntityInsurancePricing.php:25-29 · TenantInsurance.php:29,32 · TenantServiceCoverage.php:23-24 | db-ondelete | Delete insurance/tenant → children removed or restricted, no dangling rows |
+| ✅H5 | Insurance pricing/coverage modeled as raw int FKs (no FK/onDelete) → orphan rows on delete | src/Insurance/Entity/EntityInsurancePricing.php · TenantInsurance.php · TenantServiceCoverage.php | db-ondelete | **DONE (entity-owner path)** — `entity_id` is polymorphic (doctor\|clinic) so no DB FK is possible; added `TenantInsuranceCleanupService::purgeForEntity()` wired into doctor + clinic DELETE (purges tenant_insurances + pricing + coverage). `tests/Insurance/TenantInsuranceCleanupTest`. **Residual (→ M20-adjacent):** orphans when an *insurance category* itself is deleted (`insurance_id` ref) or a *service_item* is deleted (`service_item_id` ref) — different deletion paths, lower freq. |
 | H6 | N+1: clinic doctors list lazy-loads `specialties` per doctor | src/Clinic/Controller/ClinicController.php:326 · src/Doctor/Repository/DoctorRepository.php:49 | perf-nplus1 | SQL profiler on clinic doctors list → 1 query/doctor for specialties |
 | H7 | N+1: comments list lazy-loads `likes`→`user`, `replies` (recursive), author realName | src/Rating/Controller/RatingController.php:278,352 | perf-nplus1 | Profiler GET comments → query count scales w/ comments |
 | H8 | N+1: insurance service-coverage `serviceItemRepo->find()` per row in array_map | src/Insurance/Controller/InsuranceController.php:410 | perf-nplus1 | GET service-coverage → 1 find()/row |
diff --git a/src/Admin/Controller/AdminApiController.php b/src/Admin/Controller/AdminApiController.php
index 7324afff..b98159de 100644
--- a/src/Admin/Controller/AdminApiController.php
+++ b/src/Admin/Controller/AdminApiController.php
@@ -34,6 +34,7 @@ class AdminApiController extends BaseController
     public function __construct(
         private readonly EntityManagerInterface $em,
         private readonly \App\Appointment\Service\SlotCalculatorService $slotCalculator,
+        private readonly \App\Insurance\Service\TenantInsuranceCleanupService $insuranceCleanup,
     ) {}
 
     // ── Users ─────────────────────────────────────────────────────────────────
@@ -553,6 +554,7 @@ class AdminApiController extends BaseController
         $clinic = $this->em->getRepository(Clinic::class)->findOneBy(['uuid' => $uuid]);
         if (!$clinic) return $this->error('CLINIC_NOT_FOUND', 'کلینیک یافت نشد', 404);
 
+        $this->insuranceCleanup->purgeForEntity(\App\Insurance\Entity\TenantInsurance::TYPE_CLINIC, $clinic->getId());
         $this->em->remove($clinic);
         $this->em->flush();
 
diff --git a/src/Doctor/Controller/DoctorController.php b/src/Doctor/Controller/DoctorController.php
index e9c8960d..da818025 100644
--- a/src/Doctor/Controller/DoctorController.php
+++ b/src/Doctor/Controller/DoctorController.php
@@ -4,6 +4,8 @@ namespace App\Doctor\Controller;
 
 use App\Appointment\Repository\WeeklyScheduleRepository;
 use App\Auth\Entity\User;
+use App\Insurance\Entity\TenantInsurance;
+use App\Insurance\Service\TenantInsuranceCleanupService;
 use App\Auth\Repository\UserRepository;
 use App\Clinic\Entity\Clinic;
 use App\Clinic\Repository\ClinicRepository;
@@ -39,6 +41,7 @@ class DoctorController extends BaseController
         private readonly UserRepository          $userRepo,
         private readonly FileValidatorService    $fileValidator,
         private readonly WeeklyScheduleRepository $scheduleRepo,
+        private readonly TenantInsuranceCleanupService $insuranceCleanup,
         private readonly string                  $projectDir,
     ) {}
 
@@ -369,6 +372,7 @@ class DoctorController extends BaseController
             return $this->error(ErrorCodes::ERR_VALIDATION_002, 'دکتر یافت نشد', 404);
         }
 
+        $this->insuranceCleanup->purgeForEntity(TenantInsurance::TYPE_DOCTOR, $doctor->getId());
         $this->doctorRepo->remove($doctor);
         return $this->success(['message' => 'دکتر با موفقیت حذف شد']);
     }
diff --git a/src/Insurance/Service/TenantInsuranceCleanupService.php b/src/Insurance/Service/TenantInsuranceCleanupService.php
new file mode 100644
index 00000000..73cc8b1e
--- /dev/null
+++ b/src/Insurance/Service/TenantInsuranceCleanupService.php
@@ -0,0 +1,51 @@
+<?php
+
+namespace App\Insurance\Service;
+
+use App\Insurance\Entity\EntityInsurancePricing;
+use App\Insurance\Entity\TenantInsurance;
+use App\Insurance\Entity\TenantServiceCoverage;
+use Doctrine\ORM\EntityManagerInterface;
+
+/**
+ * Removes the insurance configuration a doctor/clinic owns when that entity is
+ * deleted. The owning columns (entity_type, entity_id) are polymorphic
+ * (doctor|clinic), so no database FK can cascade this — the cleanup is enforced
+ * here in the application. Coverage rows are removed via their owning
+ * tenant_insurance ids.
+ */
+final class TenantInsuranceCleanupService
+{
+    public function __construct(private readonly EntityManagerInterface $em) {}
+
+    public function purgeForEntity(string $entityType, int $entityId): void
+    {
+        $tenantInsuranceIds = $this->em->createQuery(
+            'SELECT t.id FROM ' . TenantInsurance::class . ' t
+              WHERE t.entityType = :type AND t.entityId = :id'
+        )->setParameter('type', $entityType)
+         ->setParameter('id', $entityId)
+         ->getSingleColumnResult();
+
+        if ($tenantInsuranceIds !== []) {
+            $this->em->createQuery(
+                'DELETE ' . TenantServiceCoverage::class . ' c
+                  WHERE c.tenantInsuranceId IN (:ids)'
+            )->setParameter('ids', $tenantInsuranceIds)->execute();
+        }
+
+        $this->em->createQuery(
+            'DELETE ' . TenantInsurance::class . ' t
+              WHERE t.entityType = :type AND t.entityId = :id'
+        )->setParameter('type', $entityType)
+         ->setParameter('id', $entityId)
+         ->execute();
+
+        $this->em->createQuery(
+            'DELETE ' . EntityInsurancePricing::class . ' p
+              WHERE p.entityType = :type AND p.entityId = :id'
+        )->setParameter('type', $entityType)
+         ->setParameter('id', $entityId)
+         ->execute();
+    }
+}
diff --git a/tests/Insurance/TenantInsuranceCleanupTest.php b/tests/Insurance/TenantInsuranceCleanupTest.php
new file mode 100644
index 00000000..e6b958c6
--- /dev/null
+++ b/tests/Insurance/TenantInsuranceCleanupTest.php
@@ -0,0 +1,43 @@
+<?php
+
+namespace App\Tests\Insurance;
+
+use App\Insurance\Entity\EntityInsurancePricing;
+use App\Insurance\Entity\TenantInsurance;
+use App\Insurance\Entity\TenantServiceCoverage;
+use App\Insurance\Service\TenantInsuranceCleanupService;
+use App\Tests\ApiTestCase;
+
+/**
+ * Deleting a doctor/clinic must purge the insurance config it owns. entity_id is
+ * polymorphic, so this cleanup is enforced in the application, not by a DB FK.
+ */
+class TenantInsuranceCleanupTest extends ApiTestCase
+{
+    public function testPurgeRemovesTenantInsurancePricingAndCoverage(): void
+    {
+        $entityType = TenantInsurance::TYPE_DOCTOR;
+        $entityId   = random_int(1_000_000, 9_999_999); // a doctor id not shared with other tests
+
+        $tenant = new TenantInsurance($entityType, $entityId, 1);
+        $this->em->persist($tenant);
+        $this->em->flush();
+
+        $coverage = new TenantServiceCoverage($tenant->getId(), 1);
+        $this->em->persist($coverage);
+        $this->em->persist(new EntityInsurancePricing($entityType, $entityId, 1));
+        $this->em->flush();
+
+        static::getContainer()->get(TenantInsuranceCleanupService::class)
+            ->purgeForEntity($entityType, $entityId);
+
+        $this->em->clear();
+
+        $this->assertCount(0, $this->em->getRepository(TenantInsurance::class)
+            ->findBy(['entityType' => $entityType, 'entityId' => $entityId]));
+        $this->assertCount(0, $this->em->getRepository(EntityInsurancePricing::class)
+            ->findBy(['entityType' => $entityType, 'entityId' => $entityId]));
+        $this->assertNull($this->em->getRepository(TenantServiceCoverage::class)
+            ->findOneBy(['tenantInsuranceId' => $tenant->getId()]));
+    }
+}