feat: consolidated insurance service

src/Service/BookingPriceCalculatorService.php

@@ -22,8 +22,7 @@ class BookingPriceCalculatorService
 {
     public function __construct(
         private readonly ParticipantEligibilityService $participantEligibilityService,
-        private readonly InsuranceTypeFilterService $insuranceTypeFilterService,
-        private readonly InsuranceEligibilityService $insuranceEligibilityService,
+        private readonly InsuranceService $insuranceService,
     ) {
     }
 
@@ -772,22 +771,20 @@ class BookingPriceCalculatorService
 
         // For dependent participants: calculate price-tier-adjusted insurance
         // This mirrors the logic in BookingDataProcessor::applyBulkInsuranceIfActive()
-        $availableInsurances = $bookingDto->travel->insurances;
-
-        // Exclude complementary insurances (only available as part of packages)
-        $availableInsurances = $this->insuranceTypeFilterService->filterNonComplementary($availableInsurances);
+        // Get selectable (non-complementary) insurances with caching
+        $selectableInsurances = $this->insuranceService->getSelectableInsurances($bookingDto->travel);
 
         // Get insurances of the same type as applicant's selection
-        $sameTypeInsurances = $this->insuranceTypeFilterService->filterByType(
-            $availableInsurances,
+        $sameTypeInsurances = $this->insuranceService->filterByType(
+            $selectableInsurances,
             $applicant->insurance
         );
 
-        // Calculate participant's travel price (excluding insurance)
+        // Calculate travel price for eligibility checks
         $travelPrice = $this->calculateIndividualParticipantPriceExcludingInsurance($bookingDto, $participant->index);
 
         // Get eligible insurances for THIS participant (price tier adjusted)
-        $eligibleInsurances = $this->insuranceEligibilityService->getEligibleInsurances(
+        $eligibleInsurances = $this->insuranceService->getEligibleInsurances(
             $sameTypeInsurances,
             $participant,
             $bookingDto,