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/components/layout/Sidebar.tsx

@@ -16,6 +16,7 @@ import {
     IdentificationIcon,
     KeyIcon,
     LockClosedIcon,
+    ShieldCheckIcon,
     StarIcon,
     TagIcon,
     UserCircleIcon,
@@ -192,6 +193,16 @@ function buildSections(
                         label: "پرونده بیماران",
                         feature: "patient_records",
                     },
+                    {
+                        to: "/admin/insurance-pricing",
+                        icon: ShieldCheckIcon,
+                        label: "قیمت‌گذاری بیمه",
+                    },
+                    {
+                        to: "/admin/claims",
+                        icon: DocumentTextIcon,
+                        label: "مطالبات بیمه",
+                    },
                     { to: "/admin/staff", icon: UserPlusIcon, label: "پرسنل" },
                     {
                         to: "/admin/my-secretaries",
@@ -261,6 +272,16 @@ function buildSections(
                         label: "پرونده بیماران",
                         feature: "patient_records",
                     },
+                    {
+                        to: "/admin/insurance-pricing",
+                        icon: ShieldCheckIcon,
+                        label: "قیمت‌گذاری بیمه",
+                    },
+                    {
+                        to: "/admin/claims",
+                        icon: DocumentTextIcon,
+                        label: "مطالبات بیمه",
+                    },
                     { to: "/admin/staff", icon: UserPlusIcon, label: "پرسنل" },
                     {
                         to: "/admin/my-secretaries",
@@ -320,6 +341,16 @@ function buildSections(
                         label: "پرونده بیماران",
                         feature: "patient_records",
                     },
+                    {
+                        to: "/admin/insurance-pricing",
+                        icon: ShieldCheckIcon,
+                        label: "قیمت‌گذاری بیمه",
+                    },
+                    {
+                        to: "/admin/claims",
+                        icon: DocumentTextIcon,
+                        label: "مطالبات بیمه",
+                    },
                 ],
             },
         ];