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/Patient/Entity/PatientSession.php

@@ -79,6 +79,9 @@ class PatientSession
     public function getUuid(): string         { return $this->uuid; }
     public function getRecord(): PatientRecord { return $this->record; }
     public function getAppointment(): ?Appointment { return $this->appointment; }
+    public function getInsuranceBaseId(): ?int { return $this->insuranceBaseId; }
+    public function getInsuranceSupplementaryId(): ?int { return $this->insuranceSupplementaryId; }
+    public function getServices(): Collection { return $this->services; }
     public function getVisitPriceRials(): int { return $this->visitPriceRials; }
     public function getBaseInsuranceDiscountPercent(): float { return (float) $this->baseInsuranceDiscountPercent; }
     public function getSupplementaryDiscountPercent(): float { return (float) $this->supplementaryDiscountPercent; }