fix(security): enforce ownership on 4 IDOR read/bind endpoints (M2-M5)

- M2 GET /insurance/{id}: was unguarded; now owner-or-admin (403 otherwise) —
  stops reading another doctor's negotiated price by id enumeration.
- M3 GET /clinic-pro/doctor-address/{id}: add the same owner/admin check the
  sibling PATCH/DELETE already had.
- M4 POST/PATCH /service-item: staff_uuid must belong to the caller's tenant
  (entity_type/entity_id) → 422; stops binding another tenant's staff.
- M5 appointment-settings list endpoints (date-override/holidays/
  available-locations): add the per-doctor ownership check the sibling
  single-record endpoints already enforce.

Regressions (6 negative cases fail without the fixes):
DoctorInsuranceOwnershipTest, DoctorAddressOwnershipTest,
ServiceItemStaffOwnershipTest, AppointmentSettingsListOwnershipTest.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

tests/Insurance/DoctorInsuranceOwnershipTest.php

@@ -0,0 +1,49 @@
+<?php
+
+namespace App\Tests\Insurance;
+
+use App\Doctor\Entity\Doctor;
+use App\Insurance\Entity\DoctorInsurance;
+use App\Insurance\Entity\Insurance;
+use App\Insurance\Enum\InsuranceType;
+use App\Tests\ApiTestCase;
+
+/**
+ * GET /api/v1/insurance/{id} must enforce ownership — a doctor must not read
+ * another doctor's insurance record (incl. negotiated price) by id enumeration.
+ */
+class DoctorInsuranceOwnershipTest extends ApiTestCase
+{
+    private function makeDoctorInsurance(): DoctorInsurance
+    {
+        $doctor = new Doctor($this->createUser(['ROLE_DOCTOR']), 'دکتر مالک');
+        $this->em->persist($doctor);
+        $insurance = new Insurance('بیمه تست', InsuranceType::Basic);
+        $this->em->persist($insurance);
+        $di = new DoctorInsurance($doctor, $insurance);
+        $this->em->persist($di);
+        $this->em->flush();
+
+        return $di;
+    }
+
+    public function testOtherDoctorCannotRead(): void
+    {
+        $di      = $this->makeDoctorInsurance();
+        $stranger = $this->createUser(['ROLE_DOCTOR']);
+
+        $this->authJson('GET', '/api/v1/insurance/' . $di->getId(), $stranger);
+
+        $this->assertSame(403, $this->responseCode());
+    }
+
+    public function testOwnerCanRead(): void
+    {
+        $di    = $this->makeDoctorInsurance();
+        $owner = $di->getDoctor()->getUser();
+
+        $this->authJson('GET', '/api/v1/insurance/' . $di->getId(), $owner);
+
+        $this->assertSame(200, $this->responseCode());
+    }
+}