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/pages/InsurancePricingPage.tsx

@@ -0,0 +1,16 @@
+import PageHeader from '../components/ui/PageHeader';
+import InsurancePricingSection from '../components/InsurancePricingSection';
+import TenantInsuranceContracts from '../components/TenantInsuranceContracts';
+
+export default function InsurancePricingPage() {
+  return (
+    <div className="fade-in">
+      <PageHeader
+        title="بیمه و قیمت‌گذاری"
+        description="قراردادهای بیمه، درصد پوشش و مبلغ ویزیت"
+      />
+      <TenantInsuranceContracts />
+      <InsurancePricingSection />
+    </div>
+  );
+}