tenant_insurances, entity_insurance_pricing and tenant_service_coverages
reference their owner through a polymorphic (entity_type, entity_id) pair, so no
database FK can cascade their cleanup. Hard-deleting a doctor (DoctorController)
or clinic (AdminApiController) left these rows orphaned.
Add TenantInsuranceCleanupService::purgeForEntity() and call it from both delete
paths — removes coverage (via owning tenant_insurance ids), then tenant
insurances, then pricing.
Residual (separate, lower-freq paths): deleting an insurance category or a
service_item still orphans rows that reference them by id — tracked under the
medium-tier soft-ref findings.
Regression: tests/Insurance/TenantInsuranceCleanupTest.
Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
