fix: reconcile assigned family insurance rate on updated participant

src/Form/Model/ParticipantEditDto.php

@@ -67,9 +67,9 @@ class ParticipantEditDto
      * Validates that insurance is selected when required.
      *
      * Insurance is required for all participants in create mode, EXCEPT for dependent
-     * participants when the applicant has enabled bulk insurance booking. In that case,
-     * the insurance field is hidden and will be automatically assigned by the bulk
-     * insurance handler.
+     * participants when the applicant has enabled bulk insurance booking, or when the
+     * applicant has a family insurance selected. In both cases, the insurance field is
+     * hidden and coverage is derived from the applicant instead.
      *
      * In edit submissions, this validation is skipped entirely because insurance
      * data is readonly and preserved as-is from the BPN API.
@@ -90,6 +90,10 @@ class ParticipantEditDto
             if (true === $applicant?->bulkInsuranceBooking) {
                 return;
             }
+
+            if (null !== $applicant?->insurance && true === $applicant->insurance->familyInsurance) {
+                return;
+            }
         }
 
         if (null === $this->participant->insurance) {