feat: improved mutability checks for personal data in edit or create mode

src/Form/Service/ParticipantFieldOptionsProvider.php

@@ -490,6 +490,7 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
             'multiple' => false,
             'expanded' => true,
             'required' => false,
+            'placeholder' => false, // Disable default placeholder - synthetic "keine Versicherung gewünscht" option injected instead
             'choices' => $this->getEligibleInsurances($bookingDto, $participantIndex),
             'choice_value' => 'id',
             'choice_label' => function (?Insurance $insurance) {
@@ -501,7 +502,6 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
 
                 return $label;
             },
-            'placeholder' => 'Keine Versicherung gewünscht',
         ];
 
         // Future field providers would be added here, for example:
@@ -799,6 +799,9 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
     /**
      * Gets eligible insurances for a participant based on eligibility criteria.
      *
+     * Injects a synthetic "keine Versicherung gewünscht" option at the top of the list
+     * to force explicit user choice for legal compliance.
+     *
      * @param BookingDto $bookingDto       The booking DTO containing travel and participant data
      * @param int        $participantIndex The index of the participant to get eligible insurances for
      *
@@ -818,12 +821,24 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
         $travelPrice = $this->priceCalculatorService->calculateIndividualParticipantPriceExcludingInsurance($bookingDto, $participantIndex);
 
         // Filter based on eligibility criteria for this participant
-        return $this->insuranceService->getEligibleInsurances(
+        $eligibleInsurances = $this->insuranceService->getEligibleInsurances(
             $selectableInsurances,
             $participant,
             $bookingDto,
             $travelPrice
         );
+
+        // Inject synthetic "no insurance" option at the top of the list
+        // This forces explicit user choice for legal compliance
+        $noInsurance = new Insurance();
+        $noInsurance->id = Insurance::NO_INSURANCE_ID;
+        $noInsurance->label = 'keine Versicherung gewünscht';
+        $noInsurance->price = 0.0;
+
+        // Prepend to list (appears first in radio buttons)
+        array_unshift($eligibleInsurances, $noInsurance);
+
+        return $eligibleInsurances;
     }
 
     /**