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>

src/ClinicService/Repository/TariffRepository.php

@@ -0,0 +1,48 @@
+<?php
+
+namespace App\ClinicService\Repository;
+
+use App\ClinicService\Entity\Tariff;
+use Doctrine\Bundle\DoctrineBundle\Repository\ServiceEntityRepository;
+use Doctrine\Persistence\ManagerRegistry;
+
+class TariffRepository extends ServiceEntityRepository
+{
+    public function __construct(ManagerRegistry $registry)
+    {
+        parent::__construct($registry, Tariff::class);
+    }
+
+    public function findForServiceYear(int $serviceItemId, int $year): ?Tariff
+    {
+        return $this->findOneBy([
+            'serviceItemId' => $serviceItemId,
+            'year'          => $year,
+            'isActive'      => true,
+        ]);
+    }
+
+    /** @return Tariff[] */
+    public function findByService(int $serviceItemId): array
+    {
+        return $this->createQueryBuilder('t')
+            ->where('t.serviceItemId = :sid')
+            ->setParameter('sid', $serviceItemId)
+            ->orderBy('t.year', 'DESC')
+            ->getQuery()
+            ->getResult();
+    }
+
+    public function findByUuid(string $uuid): ?Tariff
+    {
+        return $this->findOneBy(['uuid' => $uuid]);
+    }
+
+    public function save(Tariff $entity, bool $flush = true): void
+    {
+        $this->getEntityManager()->persist($entity);
+        if ($flush) {
+            $this->getEntityManager()->flush();
+        }
+    }
+}