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.

tests/Insurance/TenantInsuranceCategoryCoverageApiTest.php

@@ -70,6 +70,45 @@ class TenantInsuranceCategoryCoverageApiTest extends ApiTestCase
         $this->assertSame('admin_default', $row['category_coverage_source']['outpatient']);
     }
 
+    public function testAnEnabledServiceKindCannotBeLeftWithoutAPercent(): void
+    {
+        // بدون پیش‌فرض مرکزی: ارسال درصد فقط برای سرپایی، بستری را صفر رها می‌کند.
+        [$owner, $insurance] = $this->makeDoctorAndInsurance();
+
+        $body = $this->authJson('POST', '/api/v1/billing/tenant-insurances', $owner, [
+            'insurance_id'       => $insurance->getId(),
+            'category_coverages' => [
+                ['key' => 'outpatient', 'coverage_percent' => 70],
+                ['key' => 'inpatient',  'coverage_percent' => null],
+            ],
+        ]);
+
+        $this->assertSame(422, $this->responseCode());
+        $this->assertSame('category_coverages', $body['errors'][0]['field']);
+        $this->assertStringContainsString('خدمات بستری', $body['errors'][0]['message']);
+    }
+
+    public function testADisabledServiceKindNeedsNoPercent(): void
+    {
+        [$owner, $insurance] = $this->makeDoctorAndInsurance();
+        $this->authJson('PUT', '/api/v1/insurance-pricing', $owner, [
+            'service_categories' => [
+                ['key' => 'outpatient', 'enabled' => true],
+                ['key' => 'inpatient',  'enabled' => false],
+            ],
+        ]);
+
+        $body = $this->authJson('POST', '/api/v1/billing/tenant-insurances', $owner, [
+            'insurance_id'       => $insurance->getId(),
+            'category_coverages' => [
+                ['key' => 'outpatient', 'coverage_percent' => 70],
+            ],
+        ]);
+
+        $this->assertSame(201, $this->responseCode());
+        $this->assertEquals(70.0, $body['data']['data']['category_coverages']['outpatient']);
+    }
+
     public function testListReturnsEffectivePercentsAndSources(): void
     {
         [$owner, $insurance] = $this->makeDoctorAndInsurance();
@@ -113,8 +152,10 @@ class TenantInsuranceCategoryCoverageApiTest extends ApiTestCase
     public function testPatchCanDropAnOverrideBackToTheAdminDefault(): void
     {
         [$owner, $insurance] = $this->makeDoctorAndInsurance();
+        // سرپایی هم پیش‌فرض دارد، وگرنه ساخت قرارداد به‌خاطر «درصد پوشش الزامی است» رد می‌شود.
         static::getContainer()->get(InsuranceCoverageDefaultService::class)->save($insurance->getId(), [
-            ['key' => 'inpatient', 'coverage_percent' => 30],
+            ['key' => 'outpatient', 'coverage_percent' => 50],
+            ['key' => 'inpatient',  'coverage_percent' => 30],
         ]);
 
         $created = $this->authJson('POST', '/api/v1/billing/tenant-insurances', $owner, [