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

src/Form/Service/ParticipantInsuranceFieldHandler.php

@@ -145,6 +145,19 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
 
         // Handle explicit new insurance selection from user
         if ($isNewSelection) {
+            // Handle synthetic "no insurance" option
+            if (Insurance::NO_INSURANCE_ID === $selectedInsuranceId) {
+                // Create synthetic insurance object to satisfy validation
+                // This will be excluded from BPN XML transmission
+                $noInsurance = new Insurance();
+                $noInsurance->id = Insurance::NO_INSURANCE_ID;
+                $noInsurance->label = 'keine Versicherung gewünscht';
+                $noInsurance->price = 0.0;
+                $participant->insurance = $noInsurance;
+
+                return; // Skip all other processing for "no insurance"
+            }
+
             $selectedInsurance = $this->findInsuranceById($selectableInsurances, $selectedInsuranceId);
 
             if (null !== $selectedInsurance) {