calc = new BillingCalculator(); } public function testNoInsuranceAllPatient(): void { $b = $this->calc->calculateItem(new Money(600_000), null, null); $this->assertSame(600_000, $b->patientRials); $this->assertSame(0, $b->baseInsuranceRials); $this->assertSame(0, $b->supplementaryRials); } public function testBaseAndSupplementary(): void { // کل 600,000؛ پایه 70% → 420,000؛ مکمل روی 180,000 با ~66.667% → 120,000؛ بیمار 60,000 $base = new CoverageRule(coveragePercent: 70, franchisePercent: 0, ceilingRials: null); $supp = new CoverageRule(coveragePercent: 66.6667, franchisePercent: 0, ceilingRials: null); $b = $this->calc->calculateItem(new Money(600_000), $base, $supp); $this->assertSame(420_000, $b->baseInsuranceRials); $this->assertSame(120_000, $b->supplementaryRials); $this->assertSame(60_000, $b->patientRials); $this->assertSame( $b->totalRials, $b->baseInsuranceRials + $b->supplementaryRials + $b->patientRials ); } public function testBaseOnly(): void { $base = new CoverageRule(coveragePercent: 70, franchisePercent: 0, ceilingRials: null); $b = $this->calc->calculateItem(new Money(600_000), $base, null); $this->assertSame(420_000, $b->baseInsuranceRials); $this->assertSame(0, $b->supplementaryRials); $this->assertSame(180_000, $b->patientRials); } public function testBaseCeilingCapsShare(): void { // پایه 70% = 420,000 ولی سقف 300,000 → بیمار باقی را می‌دهد $base = new CoverageRule(coveragePercent: 70, franchisePercent: 0, ceilingRials: 300_000); $b = $this->calc->calculateItem(new Money(600_000), $base, null); $this->assertSame(300_000, $b->baseInsuranceRials); $this->assertSame(300_000, $b->patientRials); } /** سناریوی مرجع کاربر: ویزیت 5,952,000 ریال با پوشش پایهٔ ۳۰٪ (بستری). */ public function testReferenceScenarioBasePercentOnly(): void { $base = new CoverageRule(coveragePercent: 30.0, franchisePercent: 0, ceilingRials: null); $b = $this->calc->calculateItem(new Money(5_952_000), $base, null); $this->assertSame(1_785_600, $b->baseInsuranceRials); $this->assertSame(4_166_400, $b->patientRials); $this->assertSame($b->totalRials, $b->baseInsuranceRials + $b->patientRials); } public function testBaseFranchiseDoesNotChargePatient(): void { // فرانشیز در بیمهٔ پایه بی‌اثر است: پایه 100% → سهم بیمار صفر. $base = new CoverageRule(coveragePercent: 100, franchisePercent: 50, ceilingRials: null); $b = $this->calc->calculateItem(new Money(600_000), $base, null); $this->assertSame(0, $b->patientRials); $this->assertSame(600_000, $b->baseInsuranceRials); } public function testSupplementaryFranchiseIsDeductedFromTheInsurerShare(): void { // پایه 70% → 420,000؛ باقیمانده 180,000؛ تکمیلی 100% منهای فرانشیز 10% → 162,000. $base = new CoverageRule(coveragePercent: 70, franchisePercent: 50, ceilingRials: null); $supp = new CoverageRule(coveragePercent: 100, franchisePercent: 10, ceilingRials: null); $b = $this->calc->calculateItem(new Money(600_000), $base, $supp); $this->assertSame(420_000, $b->baseInsuranceRials); $this->assertSame(162_000, $b->supplementaryRials); $this->assertSame(18_000, $b->patientRials); $this->assertSame( $b->totalRials, $b->baseInsuranceRials + $b->supplementaryRials + $b->patientRials, 'فرانشیز نباید جمع سهم‌ها را از کل بیشتر کند' ); } /** سناریوی مرجع: بدون بیمهٔ پایه، تکمیلی ۹۰٪ با فرانشیز ۱۰٪. */ public function testSupplementaryOnlyWithFranchise(): void { $supp = new CoverageRule(coveragePercent: 90, franchisePercent: 10, ceilingRials: null); $b = $this->calc->calculateItem(new Money(1_000_000), null, $supp); $this->assertSame(800_000, $b->supplementaryRials); $this->assertSame(200_000, $b->patientRials); $this->assertSame($b->totalRials, $b->supplementaryRials + $b->patientRials); } public function testFullFranchiseLeavesNothingForTheSupplementary(): void { $supp = new CoverageRule(coveragePercent: 100, franchisePercent: 100, ceilingRials: null); $b = $this->calc->calculateItem(new Money(600_000), null, $supp); $this->assertSame(0, $b->supplementaryRials); $this->assertSame(600_000, $b->patientRials); } public function testFranchiseNeverPushesTheInsurerShareBelowZero(): void { // فرانشیز بزرگ‌تر از تعهد: سهم بیمه صفر می‌شود، نه منفی. $supp = new CoverageRule(coveragePercent: 20, franchisePercent: 80, ceilingRials: null); $b = $this->calc->calculateItem(new Money(600_000), null, $supp); $this->assertSame(0, $b->supplementaryRials); $this->assertSame(600_000, $b->patientRials); } public function testZeroPercentLeavesEverythingToPatient(): void { $base = new CoverageRule(coveragePercent: 0, franchisePercent: 0, ceilingRials: null); $b = $this->calc->calculateItem(new Money(600_000), $base, null); $this->assertSame(0, $b->baseInsuranceRials); $this->assertSame(600_000, $b->patientRials); } public function testFullPercentLeavesNothingToPatient(): void { $base = new CoverageRule(coveragePercent: 100, franchisePercent: 0, ceilingRials: null); $b = $this->calc->calculateItem(new Money(600_000), $base, null); $this->assertSame(600_000, $b->baseInsuranceRials); $this->assertSame(0, $b->patientRials); } public function testNotCoveredRule(): void { $b = $this->calc->calculateItem(new Money(600_000), CoverageRule::notCovered(), CoverageRule::notCovered()); $this->assertSame(600_000, $b->patientRials); $this->assertSame(0, $b->baseInsuranceRials); } }