feat: insurance & medical billing system (6 phases)

Multi-tenant insurance contracts, service coverage, versioned tariffs,
invoice calculation, and insurance claims with debt reporting.

- TenantInsurance: per-tenant insurance contracts (coverage/franchise/ceiling,
  versioning, soft-deactivate) + active guard
- ServiceItem.insuranceCovered + TenantServiceCoverage per-service overrides
- Tariff: versioned yearly tariffs with fallback to ServiceItem price
- Billing domain: Money/ShareBreakdown VOs, BillingCalculator (unit-tested),
  Invoice/InvoiceItem aggregate, InvoiceService.createFromSession
- Claim/ClaimItem with state machine (pending->submitted->approved/rejected->paid),
  ClaimService, insurance-debt report
- ClaimSubmitterInterface + ManualClaimSubmitter (future insurance API ready)
- Admin UI: insurance-pricing page, claims page, service tariff modal,
  service insurance toggle; routes + sidebar entries
- Architecture doc + billing/insurance/clinic-services API docs

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

assets/admin/App.tsx

@@ -30,6 +30,8 @@ import MyClinicPage from './pages/MyClinicPage';
 import SettingsPage from './pages/SettingsPage';
 import DoctorProfilePage from './pages/DoctorProfilePage';
 import MyPatientsPage from './pages/MyPatientsPage';
+import InsurancePricingPage from './pages/InsurancePricingPage';
+import ClaimsPage from './pages/ClaimsPage';
 import MyFinancialPage from './pages/MyFinancialPage';
 import ClinicFormPage from './pages/ClinicFormPage';
 import PreRegistrationsPage from './pages/PreRegistrationsPage';
@@ -168,6 +170,8 @@ export default function App() {
 
         {/* دکتر / منشی / کلینیک */}
         <Route path="my-patients" element={<RoleRoute roles={['doctor', 'secretary', 'clinic']} blockClinicScope><MyPatientsPage /></RoleRoute>} />
+        <Route path="insurance-pricing" element={<RoleRoute roles={['doctor', 'clinic']} blockClinicScope><InsurancePricingPage /></RoleRoute>} />
+        <Route path="claims" element={<RoleRoute roles={['doctor', 'clinic']} blockClinicScope><ClaimsPage /></RoleRoute>} />
         <Route path="my-financial" element={<RoleRoute roles={['doctor', 'secretary', 'clinic']}><MyFinancialPage /></RoleRoute>} />
 
         {/* فاز ۲ — دکتر / کلینیک */}