feat(insurance): add insurance coverage flag to selected services and update coverage logic

src/Insurance/Service/TenantInsuranceService.php

@@ -2,6 +2,7 @@
 
 namespace App\Insurance\Service;
 
+use App\ClinicService\Repository\ServiceItemRepository;
 use App\Insurance\Entity\TenantInsurance;
 use App\Insurance\Repository\InsuranceRepository;
 use App\Insurance\Repository\TenantInsuranceRepository;
@@ -16,6 +17,7 @@ class TenantInsuranceService
         private readonly TenantInsuranceRepository        $repo,
         private readonly InsuranceRepository              $insuranceRepo,
         private readonly TenantServiceCoverageRepository  $coverageRepo,
+        private readonly ServiceItemRepository            $serviceItemRepo,
     ) {}
 
     /**
@@ -101,6 +103,12 @@ class TenantInsuranceService
             return CoverageRule::notCovered();
         }
 
+        // پرچم سرویس gate نهایی است: اگر «این خدمت شامل بیمه می‌شود» غیرفعال باشد، هیچ پوششی محاسبه نمی‌شود.
+        $service = $this->serviceItemRepo->find($serviceItemId);
+        if ($service === null || !$service->isInsuranceCovered()) {
+            return CoverageRule::notCovered();
+        }
+
         $contract = $this->repo->findActiveContract($entityType, $entityId, $insuranceId);
         if ($contract === null) {
             return CoverageRule::notCovered();