diff --git a/assets/admin/components/ServiceInsuranceModal.tsx b/assets/admin/components/ServiceInsuranceSection.tsx
similarity index 77%
rename from assets/admin/components/ServiceInsuranceModal.tsx
rename to assets/admin/components/ServiceInsuranceSection.tsx
index 10a9ae98..9bb7b4e5 100644
--- a/assets/admin/components/ServiceInsuranceModal.tsx
+++ b/assets/admin/components/ServiceInsuranceSection.tsx
@@ -3,7 +3,6 @@ import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import { ShieldCheckIcon, CheckIcon } from '@heroicons/react/24/outline';
 import { toast } from 'sonner';
 import { api } from '../lib/api';
-import Modal from './ui/Modal';
 import PriceInput from './ui/PriceInput';
 import type { ServiceItem } from '../types';
 
@@ -85,7 +84,7 @@ function ContractCard({ contract, item }: { contract: TenantInsurance; item: Ser
       }}>
         <div style={{
           width: 32, height: 32, borderRadius: 9, flexShrink: 0,
-          display: 'grid', placeItems: 'center', background: 'var(--primary-subtle)',
+          display: 'grid', placeItems: 'center', background: 'var(--primary-soft)',
         }}>
           <ShieldCheckIcon style={{ width: 18, color: 'var(--primary)' }} />
         </div>
@@ -130,7 +129,7 @@ function ContractCard({ contract, item }: { contract: TenantInsurance; item: Ser
                     type="number" min={0} max={100} dir="ltr" className="input"
                     style={{ height: 40, textAlign: 'left' }}
                     value={draft.coverage_percent ?? ''}
-                    placeholder="ارث"
+                    placeholder="ارثی"
                     onChange={(e) => setDraft((d) => ({ ...d, coverage_percent: e.target.value === '' ? null : Number(e.target.value) }))}
                   />
                 </div>
@@ -159,7 +158,7 @@ function ContractCard({ contract, item }: { contract: TenantInsurance; item: Ser
               </div>
               <div style={{ display: 'flex', alignItems: 'center', justifyContent: 'space-between', gap: 10, marginTop: 12 }}>
                 <span style={{ fontSize: 11, color: 'var(--text-3)' }}>مقدار خالی از قرارداد بیمه ارث می‌برد</span>
-                <button className="btn primary sm" disabled={saveMut.isPending} onClick={() => saveMut.mutate()}>
+                <button type="button" className="btn primary sm" disabled={saveMut.isPending} onClick={() => saveMut.mutate()}>
                   {saveMut.isPending ? '...' : 'ذخیره'}
                 </button>
               </div>
@@ -172,7 +171,7 @@ function ContractCard({ contract, item }: { contract: TenantInsurance; item: Ser
       {!draft.covered && !isLoading && (
         <div style={{ display: 'flex', alignItems: 'center', justifyContent: 'space-between', gap: 10, padding: '12px 14px' }}>
           <span style={{ fontSize: 12, color: 'var(--text-3)' }}>این خدمت تحت این بیمه پوشش ندارد</span>
-          <button className="btn sm" disabled={saveMut.isPending} onClick={() => saveMut.mutate()}>
+          <button type="button" className="btn sm" disabled={saveMut.isPending} onClick={() => saveMut.mutate()}>
             {saveMut.isPending ? '...' : 'ذخیره'}
           </button>
         </div>
@@ -181,41 +180,47 @@ function ContractCard({ contract, item }: { contract: TenantInsurance; item: Ser
   );
 }
 
-export default function ServiceInsuranceModal({ item, onClose }: { item: ServiceItem | null; onClose: () => void }) {
+/**
+ * Per-insurer coverage editor for a single saved service item, rendered inline
+ * inside the service edit modal (no dialog wrapper). Each contract saves on its
+ * own; independent of the service item's own save button.
+ */
+export default function ServiceInsuranceSection({ item }: { item: ServiceItem }) {
   const { data, isLoading } = useQuery<{ data: { data: TenantInsurance[] } }>({
     queryKey: ['tenant-insurances'],
     queryFn: () => api.get('/api/v1/billing/tenant-insurances'),
-    enabled: !!item,
   });
 
   const contracts = ((data as any)?.data?.data as TenantInsurance[] | undefined) ?? [];
 
   return (
-    <Modal open={!!item} onClose={onClose} title={`پوشش بیمه — ${item?.name ?? ''}`} size="md">
-      <div style={{ display: 'flex', flexDirection: 'column', gap: 14 }}>
-        <div style={{
-          display: 'flex', gap: 8, padding: '11px 13px', borderRadius: 'var(--r-sm)',
-          background: 'var(--primary-subtle)', fontSize: 12, color: 'var(--text-2)', lineHeight: 1.7,
-        }}>
-          <ShieldCheckIcon style={{ width: 16, flexShrink: 0, marginTop: 1, color: 'var(--primary)' }} />
-          <span>درصد پوشش، فرانشیز و سقف هر بیمه‌گر برای این خدمت تعیین می‌شود. این تنظیمات مبنای محاسبه‌ی سهم بیمار و ساخت مطالبات بیمه است.</span>
-        </div>
-
-        {isLoading ? (
-          <div className="muted" style={{ fontSize: 13, padding: '8px 0' }}>در حال بارگذاری...</div>
-        ) : contracts.length === 0 ? (
-          <div style={{
-            border: '2px dashed var(--border)', borderRadius: 'var(--r)',
-            padding: '36px 16px', textAlign: 'center',
-          }}>
-            <ShieldCheckIcon style={{ width: 34, margin: '0 auto 10px', display: 'block', opacity: 0.35 }} />
-            <div style={{ fontSize: 13, fontWeight: 600, color: 'var(--text-2)' }}>قرارداد بیمه‌ی فعالی ندارید</div>
-            <div style={{ fontSize: 12, color: 'var(--text-3)', marginTop: 4 }}>ابتدا از بخش بیمه‌ها یک بیمه را فعال کنید.</div>
-          </div>
-        ) : (
-          item && contracts.map((c) => <ContractCard key={c.uuid} contract={c} item={item} />)
-        )}
+    <div style={{ display: 'flex', flexDirection: 'column', gap: 14 }}>
+      <div style={{ display: 'flex', alignItems: 'center', gap: 8 }}>
+        <ShieldCheckIcon style={{ width: 17, color: 'var(--primary)' }} />
+        <b style={{ fontSize: 14 }}>پوشش بیمه</b>
       </div>
-    </Modal>
+      <div style={{
+        display: 'flex', gap: 8, padding: '11px 13px', borderRadius: 'var(--r-sm)',
+        background: 'var(--primary-soft)', fontSize: 12, color: 'var(--text-2)', lineHeight: 1.7,
+      }}>
+        <ShieldCheckIcon style={{ width: 16, flexShrink: 0, marginTop: 1, color: 'var(--primary)' }} />
+        <span>درصد پوشش، فرانشیز و سقف هر بیمه‌گر برای این خدمت تعیین می‌شود. این تنظیمات مبنای محاسبه‌ی سهم بیمار و ساخت مطالبات بیمه است.</span>
+      </div>
+
+      {isLoading ? (
+        <div className="muted" style={{ fontSize: 13, padding: '8px 0' }}>در حال بارگذاری...</div>
+      ) : contracts.length === 0 ? (
+        <div style={{
+          border: '2px dashed var(--border)', borderRadius: 'var(--r)',
+          padding: '28px 16px', textAlign: 'center',
+        }}>
+          <ShieldCheckIcon style={{ width: 32, margin: '0 auto 10px', display: 'block', opacity: 0.35 }} />
+          <div style={{ fontSize: 13, fontWeight: 600, color: 'var(--text-2)' }}>قرارداد بیمه‌ی فعالی ندارید</div>
+          <div style={{ fontSize: 12, color: 'var(--text-3)', marginTop: 4 }}>ابتدا از بخش بیمه‌ها یک بیمه را فعال کنید.</div>
+        </div>
+      ) : (
+        contracts.map((c) => <ContractCard key={c.uuid} contract={c} item={item} />)
+      )}
+    </div>
   );
 }
diff --git a/assets/admin/pages/ClinicServicesPage.test.tsx b/assets/admin/pages/ClinicServicesPage.test.tsx
index c94d3748..e716bc06 100644
--- a/assets/admin/pages/ClinicServicesPage.test.tsx
+++ b/assets/admin/pages/ClinicServicesPage.test.tsx
@@ -36,6 +36,11 @@ beforeEach(() => {
       { uuid: 'st1', full_name: 'مریم امینی', active: true },
       { uuid: 'st2', full_name: 'سحر رحمانی', active: true },
     ] });
+    // coverage before tenant-insurances (coverage URL also contains "tenant-insurances")
+    if (url.includes('/service-coverage')) return Promise.resolve({ success: true, data: { data: [] } });
+    if (url.includes('/tenant-insurances')) return Promise.resolve({ success: true, data: { data: [
+      { uuid: 'ins1', insurance_name: 'تأمین اجتماعی', insurance_kind: 'basic', coverage_percent: 70 },
+    ] } });
     return Promise.resolve({ success: true, data: [] });
   });
 });
@@ -58,4 +63,16 @@ describe('ClinicServicesPage (خدمات)', () => {
     expect(screen.getByText('سحر رحمانی')).toBeInTheDocument();
     expect(screen.getByText('سرویس جدید')).toBeInTheDocument();
   });
+
+  it('embeds per-insurer coverage inline inside the service edit modal', async () => {
+    renderWithProviders(<ClinicServicesPage />, { route: '/admin/clinic-services' });
+    fireEvent.click(await screen.findByText('کندلا ۲۰۲۱'));
+    // open the ⋮ actions menu, then ویرایش
+    fireEvent.click(await screen.findByTitle('عملیات'));
+    fireEvent.click(await screen.findByText('ویرایش'));
+
+    // insurance section + contract render inside the same (edit) modal
+    expect(await screen.findByText('پوشش بیمه')).toBeInTheDocument();
+    expect(await screen.findByText('تأمین اجتماعی')).toBeInTheDocument();
+  });
 });
diff --git a/assets/admin/pages/ClinicServicesPage.tsx b/assets/admin/pages/ClinicServicesPage.tsx
index 7f34c386..7f68aa37 100644
--- a/assets/admin/pages/ClinicServicesPage.tsx
+++ b/assets/admin/pages/ClinicServicesPage.tsx
@@ -19,7 +19,7 @@ import Modal from '../components/ui/Modal';
 import PriceInput from '../components/ui/PriceInput';
 import ConfirmDialog from '../components/ui/ConfirmDialog';
 import ServiceTariffModal from '../components/ServiceTariffModal';
-import ServiceInsuranceModal from '../components/ServiceInsuranceModal';
+import ServiceInsuranceSection from '../components/ServiceInsuranceSection';
 import SearchableSelect from '../components/ui/SearchableSelect';
 import FeatureGate from '../components/ui/FeatureGate';
 
@@ -78,7 +78,6 @@ function ClinicServicesPageInner() {
   const [itemModal, setItemModal] = useState<'create' | ServiceItem | null>(null);
   const [toggleItem, setToggleItem] = useState<ServiceItem | null>(null);
   const [tariffItem, setTariffItem] = useState<ServiceItem | null>(null);
-  const [insuranceItem, setInsuranceItem] = useState<ServiceItem | null>(null);
   const [search, setSearch] = useState('');
   const [showInactive, setShowInactive] = useState(true);
   const [menuOpen, setMenuOpen] = useState<string | null>(null);
@@ -360,7 +359,6 @@ function ClinicServicesPageInner() {
                         <div style={{ position: 'absolute', top: 40, left: 8, zIndex: 41, background: 'var(--surface)', border: '1px solid var(--border)', borderRadius: 'var(--r-sm)', boxShadow: 'var(--shadow)', padding: 6, minWidth: 176, display: 'flex', flexDirection: 'column', gap: 2 }}>
                           <button style={menuItemStyle} onClick={() => { setMenuOpen(null); openEditItem(item); }}><PencilIcon style={{ width: 15 }} /> ویرایش</button>
                           <button style={menuItemStyle} onClick={() => { setMenuOpen(null); setTariffItem(item); }}><BanknotesIcon style={{ width: 15 }} /> تعرفه‌های سالانه</button>
-                          <button style={menuItemStyle} onClick={() => { setMenuOpen(null); setInsuranceItem(item); }}><ShieldCheckIcon style={{ width: 15 }} /> پوشش بیمه</button>
                           <button style={menuItemStyle} onClick={() => { setMenuOpen(null); setToggleItem(item); }}>{item.active ? <EyeSlashIcon style={{ width: 15 }} /> : <EyeIcon style={{ width: 15 }} />}{item.active ? ' غیرفعال‌کردن' : ' فعال‌کردن'}</button>
                         </div>
                       </>
@@ -574,12 +572,25 @@ function ClinicServicesPageInner() {
             )}
           </div>
         </form>
+
+        {/* پوشش بیمه — پیوسته داخل همان مودال، فقط برای سرویس ذخیره‌شده */}
+        {itemModal !== null && typeof itemModal === 'object' ? (
+          <div style={{ marginTop: 22, paddingTop: 20, borderTop: '1px solid var(--border)' }}>
+            <ServiceInsuranceSection item={itemModal} />
+          </div>
+        ) : (
+          <div style={{
+            marginTop: 22, paddingTop: 20, borderTop: '1px solid var(--border)',
+            fontSize: 12.5, color: 'var(--text-3)', display: 'flex', alignItems: 'center', gap: 8,
+          }}>
+            <ShieldCheckIcon style={{ width: 16, flexShrink: 0, color: 'var(--text-3)' }} />
+            <span>برای تنظیم پوشش بیمه، ابتدا سرویس را ذخیره کنید و سپس آن را ویرایش کنید.</span>
+          </div>
+        )}
       </Modal>
 
       <ServiceTariffModal item={tariffItem} onClose={() => setTariffItem(null)} />
 
-      <ServiceInsuranceModal item={insuranceItem} onClose={() => setInsuranceItem(null)} />
-
       {/* Confirm حذف بخش */}
       <ConfirmDialog
         open={!!deleteSection}