feat(migrations): update franchise to percentage in tenant_insurances and tenant_service_coverage

- Changed franchise_rials to franchise_percent in tenant_insurances and tenant_service_coverage tables.
- Reset old rial values to 0/NULL as they are not convertible to percentage.

feat(command): add SeedInsuranceScenarioCommand for seeding insurance data

- Implemented a command to seed supplementary insurance contracts, patients, and claims for a specified doctor.
- Includes functionality for purging existing scenario data and generating new entries with predefined contracts and patient scenarios.

src/Insurance/Service/TenantInsuranceService.php

@@ -30,6 +30,7 @@ class TenantInsuranceService
         private readonly ServiceItemRepository                     $serviceItemRepo,
         private readonly TenantInsuranceCategoryCoverageRepository $categoryCoverageRepo,
         private readonly InsuranceCoverageDefaultService           $coverageDefaults,
+        private readonly TenantServiceCategoryService              $serviceCategories,
     ) {}
 
     /**
@@ -41,7 +42,7 @@ class TenantInsuranceService
         int $entityId,
         int $insuranceId,
         float $coveragePercent,
-        int $franchiseRials = 0,
+        float $franchisePercent = 0.0,
         ?int $annualCeilingRials = null,
         ?int $effectiveFrom = null,
         ?int $effectiveTo = null,
@@ -58,8 +59,10 @@ class TenantInsuranceService
             $contract = new TenantInsurance($entityType, $entityId, $insuranceId, $version);
         }
 
+        $this->assertPercentInRange($franchisePercent, 'فرانشیز باید بین ۰ تا ۱۰۰ باشد', 'franchise_percent');
+
         $contract->setCoveragePercent($coveragePercent)
-            ->setFranchiseRials($franchiseRials)
+            ->setFranchisePercent($franchisePercent)
             ->setAnnualCeilingRials($annualCeilingRials)
             // kind defaults to the catalog type; caller may override to categorise the contract.
             ->setKind($kind ?? $insurance->getType()->value)
@@ -85,13 +88,18 @@ class TenantInsuranceService
 
     /**
      * Replaces the contract's category overrides. A row whose percentage is null is
-     * dropped, which hands that category back to the central admin default.
+     * dropped, which hands that category back to the central admin default — but only
+     * for a service kind the tenant does not cover; an enabled kind must carry a
+     * percentage, otherwise the contract would silently bill it at zero.
      *
      * @param list<array{key?: string, coverage_percent?: mixed}> $rows
-     * @throws AppException on an unknown category or an out-of-range percentage
+     * @throws AppException on an unknown category, an out-of-range percentage, or a
+     *                      priced-out enabled service kind
      */
     public function setCategoryCoverages(TenantInsurance $contract, array $rows): void
     {
+        $this->assertEnabledCategoriesArePriced($contract, $rows);
+
         foreach ($rows as $row) {
             $category = ServiceCategory::tryFromValue(isset($row['key']) ? (string) $row['key'] : null);
             if ($category === null) {
@@ -113,9 +121,7 @@ class TenantInsuranceService
             }
 
             $percent = (float) $raw;
-            if ($percent < 0 || $percent > 100) {
-                throw new AppException(ErrorCodes::ERR_VALIDATION_001, 'درصد پوشش باید بین ۰ تا ۱۰۰ باشد', 422);
-            }
+            $this->assertPercentInRange($percent, 'درصد پوشش باید بین ۰ تا ۱۰۰ باشد');
 
             $entity = $existing ?? new TenantInsuranceCategoryCoverage($contract->getId(), $category);
             $this->categoryCoverageRepo->save($entity->setCoveragePercent($percent), false);
@@ -124,6 +130,58 @@ class TenantInsuranceService
         $this->categoryCoverageRepo->flush();
     }
 
+    /**
+     * هر نوع خدمتی که tenant آن را بیمه‌ای کرده باید در پایانِ این ذخیره‌سازی درصد
+     * پوشش مؤثر داشته باشد — از خودِ payload، از override قبلی، یا از پیش‌فرض مرکزی
+     * ادمین. fallback زنده حفظ می‌شود؛ چیزی که رد می‌شود قراردادی است که نوع خدمتِ
+     * فعال را عملاً صفر درصد می‌کند.
+     *
+     * نیامدنِ کلید `category_coverages` اصلاً به اینجا نمی‌رسد — آن حالت یعنی
+     * «قرارداد دست‌نخورده روی همان مسیر resolve بماند».
+     *
+     * @param list<array{key?: string, coverage_percent?: mixed}> $rows
+     * @throws AppException وقتی نوع خدمتِ فعالی بدون درصد مؤثر بماند
+     */
+    private function assertEnabledCategoriesArePriced(TenantInsurance $contract, array $rows): void
+    {
+        $sent = [];
+        foreach ($rows as $row) {
+            $sent[(string) ($row['key'] ?? '')] = $row['coverage_percent'] ?? null;
+        }
+
+        $overrides = $this->categoryCoverageRepo->percentMapFor($contract->getId());
+        $defaults  = $this->coverageDefaults->percentMap($contract->getInsuranceId());
+
+        foreach ($this->serviceCategories->enabledKeys($contract->getEntityType(), $contract->getEntityId()) as $key) {
+            // ارسال صریحِ null یعنی «override را بردار»، پس نباید خودِ همان override
+            // که همین حالا حذف می‌شود، اعتبارسنجی را نجات بدهد.
+            // ستون قدیمیِ coverage_percent قرارداد عمداً fallback حساب نمی‌شود: با آن،
+            // نوع خدمتی که درصدش نیامده بی‌صدا نرخ نوع دیگر را ارث می‌برد.
+            $percent = match (true) {
+                array_key_exists($key, $sent) && $sent[$key] !== null && $sent[$key] !== '' => (float) $sent[$key],
+                array_key_exists($key, $sent)                                               => $defaults[$key] ?? 0.0,
+                default                                                                     => $overrides[$key] ?? $defaults[$key] ?? 0.0,
+            };
+
+            if ($percent <= 0) {
+                throw new AppException(
+                    ErrorCodes::ERR_VALIDATION_001,
+                    sprintf('درصد پوشش %s الزامی است', ServiceCategory::from($key)->label()),
+                    422,
+                    'category_coverages',
+                );
+            }
+        }
+    }
+
+    /** @throws AppException وقتی درصد بیرون از بازهٔ ۰ تا ۱۰۰ باشد */
+    private function assertPercentInRange(float $percent, string $message, ?string $field = null): void
+    {
+        if ($percent < 0 || $percent > 100) {
+            throw new AppException(ErrorCodes::ERR_VALIDATION_001, $message, 422, $field);
+        }
+    }
+
     /**
      * Effective percentage per category plus where each value came from, so the panel
      * can tell an explicit override apart from an inherited central default.
@@ -277,14 +335,14 @@ class TenantInsuranceService
         ?TenantServiceCoverage $override,
     ): CoverageRule {
         $franchise = $this->isSupplementary($contract)
-            ? ($override?->getFranchiseRials() ?? $contract->getFranchiseRials())
-            : 0;
+            ? ($override?->getFranchisePercent() ?? $contract->getFranchisePercent())
+            : 0.0;
 
         return new CoverageRule(
-            coveragePercent: $this->resolvePercent($contract, $category, $override),
-            franchiseRials:  $franchise,
-            ceilingRials:    $override?->getCeilingRials() ?? $contract->getAnnualCeilingRials(),
-            covered:         true,
+            coveragePercent:  $this->resolvePercent($contract, $category, $override),
+            franchisePercent: $franchise,
+            ceilingRials:     $override?->getCeilingRials() ?? $contract->getAnnualCeilingRials(),
+            covered:          true,
         );
     }
 
@@ -324,7 +382,7 @@ class TenantInsuranceService
         return $kind === InsuranceType::Supplementary->value;
     }
 
-    /** @return array{covered: bool, percent: float|null, franchise: int|null, ceiling: int|null}|null */
+    /** @return array{covered: bool, coverage_percent: float|null, franchise_percent: float|null, ceiling_rials: int|null}|null */
     public function getServiceCoverage(int $tenantInsuranceId, int $serviceItemId): ?array
     {
         $override = $this->coverageRepo->findOneFor($tenantInsuranceId, $serviceItemId);
@@ -336,15 +394,22 @@ class TenantInsuranceService
         int $serviceItemId,
         bool $covered,
         ?float $coveragePercent,
-        ?int $franchiseRials,
+        ?float $franchisePercent,
         ?int $ceilingRials,
     ): void {
+        if ($coveragePercent !== null) {
+            $this->assertPercentInRange($coveragePercent, 'درصد پوشش باید بین ۰ تا ۱۰۰ باشد', 'coverage_percent');
+        }
+        if ($franchisePercent !== null) {
+            $this->assertPercentInRange($franchisePercent, 'فرانشیز باید بین ۰ تا ۱۰۰ باشد', 'franchise_percent');
+        }
+
         $override = $this->coverageRepo->findOneFor($contract->getId(), $serviceItemId)
             ?? new TenantServiceCoverage($contract->getId(), $serviceItemId);
 
         $override->setCovered($covered)
             ->setCoveragePercent($coveragePercent)
-            ->setFranchiseRials($franchiseRials)
+            ->setFranchisePercent($franchisePercent)
             ->setCeilingRials($ceilingRials);
 
         $this->coverageRepo->save($override);