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>
