wip: insurance booking

2026-03-16 11:59:10 +01:00
parent 8af7f0e797
commit 4ba81b8f03
19 changed files with 807 additions and 128 deletions
@@ -67,11 +67,14 @@ services:
        arguments:
            $choiceListFactory: '@form.choice_list_factory.default'

-    # Participant Field Handler Registry - all handlers now instantiate dependencies directly
+    # Insurance Field Handler with dependencies
+    App\Form\Service\ParticipantInsuranceFieldHandler: ~
+
+    # Participant Field Handler Registry - most handlers instantiate dependencies directly, some use services
    App\Form\Service\ParticipantFieldHandlerRegistry:
        arguments:
            $handlers:
-                # All handlers now have no external dependencies and can be instantiated directly
+                # Simple handlers with no external dependencies - instantiated directly
                - 'App\Form\Service\ParticipantDateOfBirthFieldHandler'
                - 'App\Form\Service\ParticipantAssignedRoomFieldHandler'
                - 'App\Form\Service\ParticipantRemarksRoomFieldHandler'
@@ -87,4 +90,5 @@ services:
                - 'App\Form\Service\ParticipantParkingFieldHandler'
                - 'App\Form\Service\ParticipantRentalInsuranceFieldHandler'
                - 'App\Form\Service\ParticipantLicensePlateFieldHandler'
-                - 'App\Form\Service\ParticipantInsuranceFieldHandler'
+                # Complex handlers with dependencies - use service references
+                - '@App\Form\Service\ParticipantInsuranceFieldHandler'
@@ -0,0 +1,172 @@
+# Family Booking Detection Issue
+
+## Problem Description
+
+The current family booking detection logic in `BookingCreateDto::isFamilyBooking()` has a critical flaw that causes incorrect classification of booking types, leading to wrong insurance options being displayed.
+
+### Current Logic (FLAWED)
+
+```php
+// Current implementation in BookingCreateDto::isFamilyBooking()
+$adults = 0;        // Count of participants >= 18 years
+$youngPeople = 0;   // Count of participants <= 20 years
+
+foreach ($this->participants as $participant) {
+    $age = $participant->getAge($travelStartDate);
+    
+    if ($age >= 18) {
+        ++$adults;
+    }
+    
+    if ($age <= 20) {
+        ++$youngPeople;
+    }
+}
+
+$isFamily = ($adults >= 1 && $adults <= 2) && ($youngPeople >= 1);
+```
+
+### The Problem
+
+**Overlapping Age Ranges**: The current logic creates overlapping age categories:
+- **Adults**: ≥18 years
+- **Young people**: ≤20 years
+
+This means participants aged 18-20 are counted as **BOTH** adults AND young people, causing incorrect family booking detection.
+
+### Example Scenario
+
+**Booking with 2 participants:**
+- **Participant 1**: Born 1980 (age 44 at travel time)
+- **Participant 2**: Born 2000 (age 24 at travel time)
+
+**Current logic result:**
+- `adults = 2` (both participants ≥18)
+- `youngPeople = 1` (the 24-year-old ≤20)
+- `isFamily = (2 >= 1 && 2 <= 2) && (1 >= 1) = true` ❌
+
+**Expected result:** This should be classified as an **individual/couple booking**, not a family booking.
+
+## Impact
+
+1. **Wrong insurance options**: Family insurances are shown for individual bookings
+2. **User confusion**: Customers see inappropriate insurance options
+3. **Business logic errors**: Pricing and eligibility calculations are incorrect
+
+## Suggested Solutions
+
+### Option 1: Non-Overlapping Age Ranges (Recommended)
+
+```php
+// Suggested implementation
+$adults = 0;        // Count of participants >= 18 years
+$children = 0;       // Count of participants < 18 years
+
+foreach ($this->participants as $participant) {
+    $age = $participant->getAge($travelStartDate);
+    
+    if ($age >= 18) {
+        ++$adults;
+    } else {
+        ++$children;
+    }
+}
+
+$isFamily = ($adults >= 1) && ($children >= 1);
+```
+
+**Benefits:**
+- No overlapping age ranges
+- Clear distinction between adults and children
+- Matches insurance industry standards
+
+### Option 2: Insurance-Specific Age Ranges
+
+```php
+// Alternative implementation based on insurance requirements
+$adults = 0;        // Count of participants >= 18 years
+$minors = 0;        // Count of participants < 18 years
+
+foreach ($this->participants as $participant) {
+    $age = $participant->getAge($travelStartDate);
+    
+    if ($age >= 18) {
+        ++$adults;
+    } elseif ($age < 18) {
+        ++$minors;
+    }
+    // Note: 18+ year olds are not counted as minors
+}
+
+$isFamily = ($adults >= 1) && ($minors >= 1);
+```
+
+### Option 3: Configurable Age Thresholds
+
+```php
+// More flexible approach with configurable thresholds
+private const ADULT_AGE_THRESHOLD = 18;
+private const CHILD_AGE_THRESHOLD = 18; // Same as adult threshold for non-overlap
+
+$adults = 0;
+$children = 0;
+
+foreach ($this->participants as $participant) {
+    $age = $participant->getAge($travelStartDate);
+    
+    if ($age >= self::ADULT_AGE_THRESHOLD) {
+        ++$adults;
+    } elseif ($age < self::CHILD_AGE_THRESHOLD) {
+        ++$children;
+    }
+}
+
+$isFamily = ($adults >= 1) && ($children >= 1);
+```
+
+## Business Rules to Clarify
+
+Before implementing a solution, the following business rules need to be clarified:
+
+1. **What defines a "family booking"?**
+   - Must have at least 1 adult (≥18) and at least 1 child (<18)?
+   - Or can it be 2 adults with children?
+   - Or any booking with children regardless of adult count?
+
+2. **Age thresholds:**
+   - Should 18-year-olds be considered adults or children?
+   - Are there different rules for different types of services?
+
+3. **Edge cases:**
+   - What about bookings with only adults (couples)?
+   - What about bookings with only children (group bookings)?
+
+## Implementation Notes
+
+- The fix should be implemented in `src/Form/Model/BookingCreateDto.php`
+- Update the `isFamilyBooking()` method
+- Add comprehensive unit tests for edge cases
+- Consider adding configuration options for age thresholds
+- Update documentation to reflect the new business rules
+
+## Testing Scenarios
+
+After implementation, test these scenarios:
+
+1. **Single adult** (should be individual booking)
+2. **Two adults** (should be couple booking, not family)
+3. **One adult + one child** (should be family booking)
+4. **Two adults + one child** (should be family booking)
+5. **Only children** (edge case - clarify business rule)
+6. **18-year-old participant** (edge case - clarify classification)
+
+## Related Files
+
+- `src/Form/Model/BookingCreateDto.php` - Main implementation
+- `src/Service/InsuranceMatchingService.php` - Uses family booking detection
+- `tests/Form/Model/BookingCreateDtoTest.php` - Unit tests (to be updated)
+
+
+
+
+
@@ -16,8 +16,14 @@ final class Constants
    public const TOKEN_BOARD = 'VPF';
    public const TOKEN_RENTALS = ['VER', 'VE2', 'VE3', 'VE4', 'VE5', 'VE6', 'VE7', 'VE8'];
    public const TOKEN_RENTAL_INSURANCE = 'LVS';
+    public const TOKEN_INSURANCES = ['RRV', 'PAK', 'OHN', 'PKG'];
    public const TOKEN_PARKING = 'PAR';

+    // Normalized service group keys for pricing display
+    public const GROUP_TRANSPORTATION = 'transportation';
+    public const GROUP_RENTALS = 'rentals';
+    public const GROUP_INSURANCE = 'insurance';
+
    public const STATUS_AVAILABLE = 'Frei';
    public const STATUS_BLOCKED = 'Buchungsstop';
    public const STATUS_ON_REQUEST = 'Anfrage';
@@ -91,4 +91,23 @@ class Insurance
     */
    #[Groups(['api:single', 'api:list'])]
    public array $containedInsuranceIds = [];
+
+    public function __toString(): string
+    {
+        return (string) $this->id;
+    }
+
+    /**
+     * Returns the subType, with virtual 'PKG' subType for insurance packages.
+     *
+     * @return string|null The subType (RRV, PAK, OHN, PKG) or null
+     */
+    public function getSubType(): ?string
+    {
+        if (true === $this->package) {
+            return 'PKG'; // Virtual subType for all insurance packages
+        }
+
+        return $this->subType;
+    }
 }
@@ -15,8 +15,8 @@ use Symfony\Contracts\Cache\ItemInterface;
 class InsuranceLoader extends AbstractLoader
 {
    public function __construct(
-        protected readonly CacheInterface $cache,
-        protected readonly FilesystemOperator $xmlExport,
+        CacheInterface $cache,
+        FilesystemOperator $xmlExport,
        private readonly InsuranceParser $insuranceParser,
    ) {
        parent::__construct($cache, $xmlExport);
@@ -19,6 +19,7 @@ class InsuranceParser extends AbstractParser
     * Parses insurance XML nodes into Insurance objects.
     *
     * @param Crawler $xmlContent The XML crawler containing insurance data
+     *
     * @return array<string|int, Insurance> Array of Insurance objects indexed by id
     */
    public function parse(Crawler $xmlContent): array
@@ -28,25 +29,29 @@ class InsuranceParser extends AbstractParser
        // First pass: collect referenced insurance IDs from packages
        $referencedIds = $this->collectReferencedInsuranceIds($xmlContent);

-        // Parse individual insurances with conditional filtering
+        // Second pass: Parse individual insurances with conditional filtering
+        $individualInsurances = [];
        $xmlContent->filterXPath('//versicherungen/versicherung')
-            ->each(function (Crawler $node) use (&$insurances, $referencedIds) {
+            ->each(function (Crawler $node) use (&$individualInsurances, &$insurances, $referencedIds) {
                $id = (int) $node->attr('idbuspro'); // Individual insurances have int IDs
-                $isZusatz = $this->getBoolAttributeValue($node->attr('zusatzversicherung'));
+                $isAdditional = $this->getBoolAttributeValue($node->attr('zusatzversicherung'));

-                // Include if: not zusatzversicherung OR referenced by package
-                if (!$isZusatz || in_array($id, $referencedIds, true)) {
+                // Parse all individual insurances for reference lookup
                $insurance = $this->parseInsuranceNode($node, false);
                if (null !== $insurance && null !== $insurance->id) {
+                    $individualInsurances[$insurance->id] = $insurance;
+
+                    // Include if: not additional insurance OR referenced by package
+                    if (!$isAdditional || in_array($id, $referencedIds, true)) {
                        $insurances[$insurance->id] = $insurance;
                    }
                }
            });

-        // Parse packages (no filtering needed)
+        // Third pass: Parse packages with family detection based on contained insurances
        $xmlContent->filterXPath('//versicherungspakete/versicherungspaket')
-            ->each(function (Crawler $node) use (&$insurances) {
-                $insurance = $this->parseInsuranceNode($node, true);
+            ->each(function (Crawler $node) use (&$insurances, $individualInsurances) {
+                $insurance = $this->parseInsuranceNode($node, true, $individualInsurances);
                if (null !== $insurance && null !== $insurance->id) {
                    // Parse contained insurance IDs
                    $insurance->containedInsuranceIds = $this->parseContainedInsuranceIds($node);
@@ -57,14 +62,37 @@ class InsuranceParser extends AbstractParser
        return $insurances;
    }

+    /**
+     * Determines if a package contains any family insurances.
+     *
+     * @param Crawler               $packageNode          The package XML node
+     * @param array<int, Insurance> $individualInsurances Parsed individual insurances for reference
+     *
+     * @return bool True if any contained insurance is a family insurance
+     */
+    private function isPackageFamilyInsurance(Crawler $packageNode, array $individualInsurances): bool
+    {
+        // Check if any contained insurance is a family insurance
+        $containedInsuranceIds = $this->parseContainedInsuranceIds($packageNode);
+        foreach ($containedInsuranceIds as $containedId) {
+            if (isset($individualInsurances[$containedId]) && true === $individualInsurances[$containedId]->familyInsurance) {
+                return true;
+            }
+        }
+
+        return false;
+    }
+
    /**
     * Parses a single insurance or package node.
     *
     * @param Crawler               $node                 The XML node to parse
     * @param bool                  $isPackage            Whether this is a package node
+     * @param array<int, Insurance> $individualInsurances Individual insurances for package family detection
+     *
     * @return Insurance|null The parsed insurance object
     */
-    private function parseInsuranceNode(Crawler $node, bool $isPackage): ?Insurance
+    private function parseInsuranceNode(Crawler $node, bool $isPackage, array $individualInsurances = []): ?Insurance
    {
        $insurance = new Insurance();
        $insurance->package = $isPackage;
@@ -79,6 +107,11 @@ class InsuranceParser extends AbstractParser
            $this->stringToFloat($node->attr('preis')) : null;
        $insurance->familyInsurance = $this->stringToBool($node->attr('familienversicherung'));

+        // For packages, check if any contained insurances are family insurances
+        if ($isPackage && !$insurance->familyInsurance && !empty($individualInsurances)) {
+            $insurance->familyInsurance = $this->isPackageFamilyInsurance($node, $individualInsurances);
+        }
+
        // Date constraints
        $insurance->travelDateFrom = $node->attr('reisedatumvon') ?
            $this->stringToDate($node->attr('reisedatumvon')) : null;
@@ -115,6 +148,7 @@ class InsuranceParser extends AbstractParser
     * Collects all insurance IDs referenced by packages.
     *
     * @param Crawler $xmlContent The XML content to scan
+     *
     * @return array<int> Array of referenced insurance IDs
     */
    private function collectReferencedInsuranceIds(Crawler $xmlContent): array
@@ -135,6 +169,7 @@ class InsuranceParser extends AbstractParser
     * Parses contained insurance IDs from a package node.
     *
     * @param Crawler $node The package XML node
+     *
     * @return array<int> Array of contained insurance IDs (always int, as they reference individual insurances)
     */
    private function parseContainedInsuranceIds(Crawler $node): array
@@ -124,12 +124,6 @@ class CreateStep2Controller extends AbstractController
        // Pre-select mandatory services after form processing but before pricing calculation
        $this->bookingService->preselectMandatoryServices($bookingCreateDto);

-        // Recreate the form with the updated DTO that includes mandatory services
-        $form = $this->createForm(BookingCreateStep2Type::class, $bookingCreateDto, [
-            'attr' => ['novalidate' => 'novalidate'],
-            'validation_groups' => false,
-        ]);
-
        $this->bookingService->saveBookingCreateDto($request, $bookingCreateDto);

        $summary = $this->bookingService->getRoomSummaryAndParticipantCount($bookingCreateDto);
@@ -181,6 +181,7 @@ class BookingCreateParticipantType extends AbstractType
            'pickupInbound',
            'parking',
            'licensePlate',
+            'insurance',
        ];

        foreach ($dynamicFields as $fieldName) {
@@ -212,7 +213,11 @@ class BookingCreateParticipantType extends AbstractType
        $this->addBaseFields($form, $bookingDto, $participantIndex);

        // Rebuild dynamic fields
-        $dynamicFields = ['assignedRoomId', 'remarksRoom', 'courses', 'additionalServices', 'board', 'rentals', 'rentalInsurance', 'skiPass', 'transportationOutbound', 'transportationInbound', 'pickupOutbound', 'pickupInbound', 'parking', 'licensePlate'];
+        $dynamicFields = [
+            'assignedRoomId', 'remarksRoom', 'courses', 'additionalServices', 'board', 'rentals', 'rentalInsurance',
+            'skiPass', 'transportationOutbound', 'transportationInbound', 'pickupOutbound', 'pickupInbound', 'parking',
+            'licensePlate', 'insurance',
+        ];
        foreach ($dynamicFields as $fieldName) {
            if ($form->has($fieldName)) {
                $form->remove($fieldName);
@@ -243,6 +248,7 @@ class BookingCreateParticipantType extends AbstractType
            'pickupInbound' => ChoiceType::class,
            'parking' => CheckboxType::class,
            'licensePlate' => TextType::class,
+            'insurance' => ChoiceType::class,
        ];

        foreach ($dynamicFields as $fieldName => $fieldType) {
@@ -55,18 +55,21 @@ class BookingCreateDto implements BookingDtoInterface
     * Determines if this is a family booking based on participant age distribution.
     *
     * A family booking is defined as:
-     * - 1-2 participants aged 18 or older (adults)
-     * - At least 1 participant aged 20 or younger (young people/children)
+     * - 1 or 2 participants aged 18 or older (adults)
+     * - At least 1 participant younger than 18 (children)
     *
     * @return bool True if this qualifies as a family booking
     */
    public function isFamilyBooking(): bool
    {
        $adults = 0;        // Count of participants >= 18 years
-        $youngPeople = 0;   // Count of participants <= 20 years
+        $children = 0;      // Count of participants < 18 years
+
+        // Use travel start date for age calculation
+        $travelStartDate = $this->travel->dateFrom;

        foreach ($this->participants as $participant) {
-            $age = $participant->getAge();
+            $age = $participant->getAge($travelStartDate);

            if (null === $age) {
                continue; // Skip participants without birth date
@@ -74,15 +77,12 @@ class BookingCreateDto implements BookingDtoInterface

            if ($age >= 18) {
                ++$adults;
-            }
-
-            if ($age <= 20) {
-                ++$youngPeople;
+            } else {
+                ++$children;
            }
        }

-        // Check family booking criteria
-        return ($adults >= 1 && $adults <= 2) && ($youngPeople >= 1);
+        return ($adults >= 1 && $adults <= 2) && ($children >= 1);
    }

    #[Assert\Callback(callback: 'validateRoomSelection', groups: ['booking_create_step_1'])]
@@ -87,12 +87,17 @@ class CreateFieldStateProvider extends AbstractFieldStateProvider
            'hidden' => CompositeCondition::not($dateOfBirthProvidedCondition),
        ];

+        // Hide insurance field until date of birth is provided
+        $this->fieldStateConditions['insurance'] = [
+            'hidden' => CompositeCondition::not($dateOfBirthProvidedCondition),
+        ];
+
        // Room-specific field conditions
-        $mbzRoomCondition = new RoomSelectionCondition(['mbz']);
+        $sharedRoomCondition = new RoomSelectionCondition(['mbz']);

        // Show remarks room field only when room with code 'mbz' is selected
        $this->fieldStateConditions['remarksRoom'] = [
-            'hidden' => CompositeCondition::not($mbzRoomCondition),
+            'hidden' => CompositeCondition::not($sharedRoomCondition),
        ];

        // Transportation-related field conditions
@@ -5,6 +5,7 @@ declare(strict_types=1);
 namespace App\Form\Service;

 use App\BusProNet\Constants;
+use App\BusProNet\Model\Insurance;
 use App\BusProNet\Model\Pickup;
 use App\BusProNet\Model\Service;
 use App\BusProNet\Utility\DirectionMapper;
@@ -12,7 +13,10 @@ use App\Form\Model\BookingCreateDto;
 use App\Form\Model\BookingDtoInterface;
 use App\Form\Service\Abstract\AbstractFieldOptionsProvider;
 use App\Form\Service\Factory\ParticipantRoomChoiceLoaderFactory;
+use App\Form\Service\ServiceAgeEvaluator;
+use App\Service\InsuranceMatchingService;
 use App\Service\ServiceAvailabilityCalculator;
+use Symfony\Component\Routing\Generator\UrlGeneratorInterface;

 /**
 * Provides dynamic field options for participant form fields.
@@ -43,10 +47,14 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
     *
     * @param ParticipantRoomChoiceLoaderFactory $roomChoiceLoaderFactory       Factory for creating room choice loaders
     * @param ServiceAvailabilityCalculator      $serviceAvailabilityCalculator Service for calculating dynamic availability
+     * @param InsuranceMatchingService           $insuranceMatchingService      Service for matching insurances to participants
+     * @param UrlGeneratorInterface              $urlGenerator                  URL generator for HTMX endpoints
     */
    public function __construct(
        private readonly ParticipantRoomChoiceLoaderFactory $roomChoiceLoaderFactory,
        private readonly ServiceAvailabilityCalculator $serviceAvailabilityCalculator,
+        private readonly InsuranceMatchingService $insuranceMatchingService,
+        private readonly UrlGeneratorInterface $urlGenerator,
    ) {
        parent::__construct();
    }
@@ -329,8 +337,8 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
                return $attributes;
            },
            'attr' => [
-                'hx-post' => '#',  // Will be configured when HTMX integration is implemented
-                'hx-target' => '#booking-summary',
+                'hx-post' => $this->urlGenerator->generate('app_booking_create_step_2_refresh'),
+                'hx-swap' => 'none',
                'hx-trigger' => 'change',
            ],
        ];
@@ -360,8 +368,8 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
                return $attributes;
            },
            'attr' => [
-                'hx-post' => '#',  // Will be configured when HTMX integration is implemented
-                'hx-target' => '#booking-summary',
+                'hx-post' => $this->urlGenerator->generate('app_booking_create_step_2_refresh'),
+                'hx-swap' => 'none',
                'hx-trigger' => 'change',
            ],
        ];
@@ -397,6 +405,26 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
            'required' => false,
        ];

+        // Insurance field provider - provides age and eligibility filtered insurances for participants
+        $this->fieldOptionProviders['insurance'] = fn (BookingDtoInterface $bookingDto, int $participantIndex, array $options = []) => [
+            'label' => 'Reiseversicherung',
+            'multiple' => false,
+            'expanded' => true,
+            'required' => false,
+            'choices' => array_merge(
+                [0 => null], // "no insurance" option
+                $this->getEligibleInsurances($bookingDto, $participantIndex)
+            ),
+            'choice_label' => fn (?Insurance $insurance) => $this->formatInsuranceLabel($insurance),
+            'choice_value' => 'id',
+            'help' => 'Wählen Sie eine passende Reiseversicherung für diese Person aus.',
+            'attr' => [
+                'hx-post' => $this->urlGenerator->generate('app_booking_create_step_2_refresh'),
+                'hx-swap' => 'none',
+                'hx-trigger' => 'change',
+            ],
+        ];
+
        // Future field providers would be added here, for example:
        //
        // $this->fieldOptionProviders['mealPreference'] = fn($bookingDto, $participantIndex) => [
@@ -672,4 +700,68 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider

        return $rentalInsuranceService->description;
    }
+
+    /**
+     * Gets eligible insurances for a participant based on eligibility criteria.
+     *
+     * @param BookingDtoInterface $bookingDto       The booking DTO containing travel and participant data
+     * @param int                 $participantIndex The index of the participant to get eligible insurances for
+     *
+     * @return array Array of eligible insurance objects filtered by age, family status, and other constraints
+     */
+    private function getEligibleInsurances(BookingDtoInterface $bookingDto, int $participantIndex): array
+    {
+        $participant = $bookingDto->getParticipant($participantIndex);
+        if (null === $participant) {
+            return [];
+        }
+
+        $availableInsurances = $bookingDto->travel->insurances ?? [];
+
+        // Only apply insurance filtering for BookingCreateDto (creation workflow)
+        if (!$bookingDto instanceof BookingCreateDto) {
+            return $availableInsurances;
+        }
+
+        // Use insurance matching service to filter based on eligibility criteria
+        return $this->insuranceMatchingService->getEligibleInsurances(
+            $availableInsurances,
+            $participant,
+            $bookingDto
+        );
+    }
+
+    /**
+     * Formats insurance label with pricing and type information.
+     *
+     * @param Insurance|null $insurance The insurance to format, or null for "No Insurance" option
+     *
+     * @return string The formatted insurance label
+     */
+    private function formatInsuranceLabel(?Insurance $insurance): string
+    {
+        if (null === $insurance) {
+            return 'Keine Versicherung';
+        }
+
+        $label = $insurance->label;
+
+        // Add pricing information (consistent with other services)
+        if (null !== $insurance->price && $insurance->price > 0) {
+            $label .= sprintf(' (€%s)', number_format($insurance->price, 2, ',', '.'));
+        }
+
+        // Add type information if available
+        if (null !== $insurance->subType) {
+            $typeLabel = match ($insurance->subType) {
+                'RRV' => 'Reiserücktrittsversicherung',
+                'PAK' => 'Reiseschutz',
+                'OHN' => 'Selbstbehalt',
+                default => $insurance->subType,
+            };
+            $label .= sprintf(' (%s)', $typeLabel);
+        }
+
+        return $label;
+    }
 }
@@ -5,6 +5,7 @@ declare(strict_types=1);
 namespace App\Form\Service;

 use App\BusProNet\Model\Insurance;
+use App\Form\Model\BookingCreateDto;
 use App\Form\Model\BookingDtoInterface;
 use App\Form\Service\Abstract\AbstractParticipantFieldHandler;
 use App\Service\InsuranceMatchingService;
@@ -13,19 +14,28 @@ use App\Service\InsuranceMatchingService;
 * Handles processing of the insurance field for booking participants.
 *
 * This handler manages insurance selections for individual participants in the booking
- * creation process. It processes the insurance field from form submissions,
- * validates the selection against participant eligibility criteria, and updates
- * the participant DTO with the valid insurance selection.
+ * creation process. It processes insurance field from form submissions, validates
+ * selections against participant eligibility criteria, and provides automatic
+ * reassignment when participant pricing changes.
 *
- * The insurance field depends on dateOfBirth for age-based eligibility calculations
- * and uses the InsuranceMatchingService to ensure only eligible insurances can be selected.
+ * Key Features:
+ * - Validates submitted insurance selections against eligibility criteria
+ * - Automatically reassigns insurances when travel price changes make current selection invalid
+ * - Preserves user intent by maintaining same insurance type (subType + familyInsurance)
+ * - Uses InsuranceMatchingService for eligibility filtering and reassignment logic
+ *
+ * Auto-Reassignment Logic:
+ * When a participant's individual travel price changes (e.g., by adding services),
+ * their current insurance may no longer be eligible for the new price range.
+ * Instead of clearing the selection, this handler automatically reassigns
+ * to the same insurance type with the appropriate price tier.
 *
 * Dependencies: dateOfBirth (for age evaluation and insurance eligibility)
 */
 class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
 {
    public function __construct(
-        private readonly InsuranceMatchingService $insuranceMatchingService,
+        private readonly InsuranceMatchingService $insuranceMatchingService
    ) {
    }

@@ -71,10 +81,9 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
    /**
     * Processes the insurance field for a specific participant.
     *
-     * This method extracts the insurance selection from submitted form data,
-     * validates the selection against the participant's eligibility criteria,
-     * and updates the participant DTO with the valid selection. If the insurance
-     * is no longer appropriate for the participant, it is automatically cleared.
+     * This method handles both explicit insurance selection from form data and automatic
+     * reassignment when the participant's travel price changes. It maintains the same
+     * insurance type but adjusts to the appropriate price tier when needed.
     *
     * @param array<string, mixed> $submittedData    The submitted participant form data
     * @param BookingDtoInterface  $bookingDto       The booking DTO to update (create or edit)
@@ -83,38 +92,67 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
    public function processField(array $submittedData, BookingDtoInterface $bookingDto, int $participantIndex): void
    {
        $participant = $bookingDto->getParticipant($participantIndex);
-        if (null === $participant) {
+        if (null === $participant || !$bookingDto instanceof BookingCreateDto) {
            return;
        }

-        $insuranceId = $submittedData['insurance'] ?? null;
-
-        // Clear insurance if no selection
-        if (null === $insuranceId || '' === $insuranceId) {
-            $participant->insurance = null;
-
-            return;
-        }
-
-        // Find the selected insurance from available travel insurances
+        $selectedInsuranceId = $this->getFieldValue($submittedData, $this->getFieldName());
+        $currentInsurance = $participant->insurance;
        $availableInsurances = $bookingDto->travel->insurances ?? [];
-        $selectedInsurance = $this->findInsuranceById($availableInsurances, $insuranceId);

-        if (null === $selectedInsurance) {
-            $participant->insurance = null;
+        // Handle explicit insurance selection from form
+        if (null !== $selectedInsuranceId) {
+            $selectedInsurance = $this->findInsuranceById($availableInsurances, $selectedInsuranceId);

+            // Check if the selected insurance is still eligible for this participant
+            if (null !== $selectedInsurance) {
+                $eligibleInsurances = $this->insuranceMatchingService->getEligibleInsurances($availableInsurances, $participant, $bookingDto);
+                $isSelectedInsuranceEligible = $this->isInsuranceInList($selectedInsurance, $eligibleInsurances);
+
+                if ($isSelectedInsuranceEligible) {
+                    // Insurance is still eligible - use it directly
+                    $participant->insurance = $selectedInsurance;
                    return;
-        }
-
-        // Validate insurance eligibility for this participant
-        $eligibleInsurances = $this->insuranceMatchingService->getEligibleInsurances(
-            [$selectedInsurance],
+                } else {
+                    // Insurance is no longer eligible - try to reassign to same type with new price tier
+                    $reassignedInsurance = $this->insuranceMatchingService->reassignInsuranceForPriceChange(
+                        $availableInsurances,
+                        $selectedInsurance,
                        $participant,
                        $bookingDto
                    );

-        // Set insurance only if it's eligible for this participant
-        $participant->insurance = !empty($eligibleInsurances) ? $selectedInsurance : null;
+                    $participant->insurance = $reassignedInsurance;
+                    return;
+                }
+            } else {
+                // Insurance not found - clear selection
+                $participant->insurance = null;
+                return;
+            }
+        }
+
+        // Handle automatic reassignment if participant had an insurance but it's no longer eligible
+        if (null !== $currentInsurance) {
+            // Check if current insurance is still eligible
+            $eligibleInsurances = $this->insuranceMatchingService->getEligibleInsurances($availableInsurances, $participant, $bookingDto);
+            $isCurrentInsuranceStillEligible = $this->isInsuranceInList($currentInsurance, $eligibleInsurances);
+
+            if (!$isCurrentInsuranceStillEligible) {
+                // Try to reassign to same insurance type with appropriate price tier
+                $reassignedInsurance = $this->insuranceMatchingService->reassignInsuranceForPriceChange(
+                    $availableInsurances,
+                    $currentInsurance,
+                    $participant,
+                    $bookingDto
+                );
+
+                $participant->insurance = $reassignedInsurance; // null if no suitable match found
+                return;
+            }
+        }
+
+        // No insurance selected or reassignment needed - keep current state (may be null)
    }

    /**
@@ -163,4 +201,24 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler

        return null;
    }
+
+    /**
+     * Checks if a specific insurance exists in a list of insurances.
+     *
+     * @param Insurance        $targetInsurance The insurance to find
+     * @param array<Insurance> $insuranceList   The list to search in
+     *
+     * @return bool True if the insurance is found in the list
+     */
+    private function isInsuranceInList(Insurance $targetInsurance, array $insuranceList): bool
+    {
+        foreach ($insuranceList as $insurance) {
+            if ($insurance->id === $targetInsurance->id || (string) $insurance->id === (string) $targetInsurance->id) {
+                return true;
+            }
+        }
+
+        return false;
+    }
+
 }
@@ -0,0 +1,28 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Model;
+
+use App\Form\Model\BookingCreateDto;
+use App\Form\Model\ParticipantDto;
+
+/**
+ * Value object containing criteria for insurance eligibility evaluation.
+ *
+ * Groups all the parameters needed to determine if an insurance product
+ * is eligible for a specific participant and booking scenario.
+ */
+readonly class InsuranceEligibilityCriteria
+{
+    public function __construct(
+        public ParticipantDto $participant,
+        public \DateTimeImmutable $travelStartDate,
+        public \DateTimeImmutable $travelEndDate,
+        public \DateTimeImmutable $bookingDate,
+        public float $travelPrice,
+        public int $travelDurationDays,
+        public BookingCreateDto $booking,
+    ) {
+    }
+}
@@ -5,6 +5,7 @@ declare(strict_types=1);
 namespace App\Service;

 use App\BusProNet\Constants;
+use App\BusProNet\Model\Insurance;
 use App\BusProNet\Model\Room;
 use App\BusProNet\Model\Service;
 use App\Form\Model\BookingCreateDto;
@@ -238,6 +239,45 @@ class BookingPriceCalculatorService
        return $participantPrices;
    }

+    /**
+     * Calculates the total price for an individual participant excluding insurance.
+     *
+     * This method is used for insurance eligibility filtering to avoid circular dependency
+     * where insurance selection affects travel price which affects insurance eligibility.
+     *
+     * @param BookingDtoInterface $bookingDto       The booking data containing all participants
+     * @param int                 $participantIndex The index of the participant to calculate for
+     *
+     * @return float The total price for the specified participant excluding insurance
+     */
+    public function calculateIndividualParticipantPriceExcludingInsurance(BookingDtoInterface $bookingDto, int $participantIndex): float
+    {
+        if (false === $bookingDto instanceof BookingCreateDto) {
+            return 0.0;
+        }
+
+        $participant = $bookingDto->getParticipant($participantIndex);
+        if (null === $participant) {
+            return 0.0;
+        }
+
+        $totalPrice = 0.0;
+
+        // Add room price if participant is assigned to a room
+        if (null !== $participant->assignedRoomId) {
+            $room = $this->getRoomById($bookingDto, $participant->assignedRoomId);
+            if (null !== $room && null !== $room->price) {
+                // Each participant pays the full room price
+                $totalPrice += $room->price;
+            }
+        }
+
+        // Add service prices for this participant (excluding insurance)
+        $totalPrice += $this->calculateParticipantServiceTotal($participant, false);
+
+        return $totalPrice;
+    }
+
    /**
     * Aggregates all transportation-related services and pricing into separate line items.
     *
@@ -311,7 +351,7 @@ class BookingPriceCalculatorService
                'unitPrice' => null,
                'participantCount' => $pickupParticipants,
                'totalPrice' => $pickupTotal,
-                'subType' => 'transportation',
+                'subType' => Constants::GROUP_TRANSPORTATION,
            ];
        }

@@ -323,7 +363,7 @@ class BookingPriceCalculatorService
                'unitPrice' => null,
                'participantCount' => $parkingParticipants,
                'totalPrice' => $parkingTotal,
-                'subType' => 'transportation',
+                'subType' => Constants::GROUP_TRANSPORTATION,
            ];
        }

@@ -356,7 +396,12 @@ class BookingPriceCalculatorService

            // Normalize rental subtypes to avoid duplicate sections
            if (true === in_array($subType, Constants::TOKEN_RENTALS, true)) {
-                $subType = 'rentals'; // Normalize all rental subtypes to a single key
+                $subType = Constants::GROUP_RENTALS; // Normalize all rental subtypes to a single key
+            }
+
+            // Normalize insurance subtypes to avoid duplicate sections
+            if (true === in_array($subType, Constants::TOKEN_INSURANCES, true)) {
+                $subType = Constants::GROUP_INSURANCE; // Normalize all insurance subtypes to a single key
            }

            $isDiscount = $serviceData['totalPrice'] < 0;
@@ -405,8 +450,9 @@ class BookingPriceCalculatorService
            Constants::TOKEN_ADDITIONAL => 'Zusatzleistungen',
            Constants::TOKEN_BOARD => 'Verpflegung',
            Constants::TOKEN_RENTAL_INSURANCE => 'Leihmaterial-Versicherung',
-            'transportation' => 'Beförderung',
-            'rentals' => 'Leihmaterial', // Normalized rental subtype
+            Constants::GROUP_TRANSPORTATION => 'Beförderung',
+            Constants::GROUP_RENTALS => 'Leihmaterial', // Normalized rental subtype
+            Constants::GROUP_INSURANCE => 'Reiseversicherungen', // Normalized insurance subtype
        ];

        // Handle rentals array (keep for backward compatibility with non-normalized subtypes)
@@ -431,6 +477,10 @@ class BookingPriceCalculatorService
            $this->addToServiceAggregation($serviceAggregation, $participant->rentalInsurance, 1);
        }

+        if (null !== $participant->insurance && null !== $participant->insurance->price) {
+            $this->addInsuranceToServiceAggregation($serviceAggregation, $participant->insurance, 1);
+        }
+
        // Handle multiple service selections
        $multipleServiceArrays = [
            'courses' => $participant->courses,
@@ -476,10 +526,11 @@ class BookingPriceCalculatorService
     * Calculates the total service cost for a single participant.
     *
     * @param ParticipantDto $participant        The participant to calculate services for
+     * @param bool           $includeInsurance   Whether to include insurance pricing (default: true)
     *
     * @return float The total service cost for this participant
     */
-    private function calculateParticipantServiceTotal(ParticipantDto $participant): float
+    private function calculateParticipantServiceTotal(ParticipantDto $participant, bool $includeInsurance = true): float
    {
        $serviceTotal = 0.0;

@@ -492,6 +543,10 @@ class BookingPriceCalculatorService
            $serviceTotal += $participant->rentalInsurance->price;
        }

+        if ($includeInsurance && null !== $participant->insurance && null !== $participant->insurance->price) {
+            $serviceTotal += $participant->insurance->price;
+        }
+
        // Transportation services
        if (null !== $participant->transportationOutbound && null !== $participant->transportationOutbound->price) {
            $serviceTotal += $participant->transportationOutbound->price;
@@ -551,4 +606,30 @@ class BookingPriceCalculatorService

        return null;
    }
+
+    /**
+     * Adds an insurance to the service aggregation array.
+     *
+     * @param array     $serviceAggregation The service aggregation array to update
+     * @param Insurance $insurance          The insurance to add
+     * @param int       $quantity          The quantity of the insurance
+     */
+    private function addInsuranceToServiceAggregation(array &$serviceAggregation, Insurance $insurance, int $quantity): void
+    {
+        $serviceKey = $insurance->id.'_'.$insurance->label;
+
+        if (false === isset($serviceAggregation[$serviceKey])) {
+            $serviceAggregation[$serviceKey] = [
+                'serviceId' => $insurance->id,
+                'label' => $insurance->label,
+                'unitPrice' => $insurance->price,
+                'participantCount' => 0,
+                'totalPrice' => 0.0,
+                'subType' => $insurance->getSubType(),
+            ];
+        }
+
+        $serviceAggregation[$serviceKey]['participantCount'] += $quantity;
+        $serviceAggregation[$serviceKey]['totalPrice'] += $insurance->price * $quantity;
+    }
 }
@@ -7,6 +7,9 @@ namespace App\Service;
 use App\BusProNet\Model\Insurance;
 use App\Form\Model\BookingCreateDto;
 use App\Form\Model\ParticipantDto;
+use App\Model\InsuranceEligibilityCriteria;
+use App\Service\BookingPriceCalculatorService;
+use App\Service\InsuranceTypeResolver;
 use Carbon\Carbon;

 /**
@@ -18,6 +21,11 @@ use Carbon\Carbon;
 */
 class InsuranceMatchingService
 {
+    public function __construct(
+        private readonly BookingPriceCalculatorService $priceCalculatorService,
+        private readonly InsuranceTypeResolver $insuranceTypeResolver
+    ) {
+    }
    /**
     * Filters insurances based on participant and booking criteria.
     *
@@ -29,67 +37,151 @@ class InsuranceMatchingService
     */
    public function getEligibleInsurances(array $insurances, ParticipantDto $participant, BookingCreateDto $booking): array
    {
-        $travelStartDate = $booking->travel->dateFrom;
-        $travelEndDate = $booking->travel->dateTo;
+        $criteria = $this->createEligibilityCriteria($participant, $booking);

-        // Cannot match insurances without travel dates
-        if (null === $travelStartDate || null === $travelEndDate) {
-            return [];
+        if (null === $criteria) {
+            return []; // Cannot match insurances without travel dates
        }

-        $bookingDate = Carbon::now()->toDateTimeImmutable();
-        $travelPrice = $this->calculateTravelPrice($booking);
-        $travelDurationDays = $this->calculateTravelDurationDays($travelStartDate, $travelEndDate);
-
-        return array_filter($insurances, function (Insurance $insurance) use ($participant, $travelStartDate, $travelEndDate, $bookingDate, $travelPrice, $travelDurationDays) {
-            return $this->isInsuranceEligible($insurance, $participant, $travelStartDate, $travelEndDate, $bookingDate, $travelPrice, $travelDurationDays);
-        });
+        return array_filter(
+            $insurances,
+            fn (Insurance $insurance) => $this->isInsuranceEligible($insurance, $criteria)
+        );
    }

    /**
-     * Checks if a specific insurance is eligible for a participant.
+     * Auto-reassigns an insurance to the same type with appropriate price tier.
     *
-     * @param Insurance          $insurance          The insurance to check
-     * @param ParticipantDto     $participant        The participant
-     * @param \DateTimeImmutable $travelStartDate    Travel start date
-     * @param \DateTimeImmutable $travelEndDate      Travel end date
-     * @param \DateTimeImmutable $bookingDate        Booking date
-     * @param float              $travelPrice        Total travel price
-     * @param int                $travelDurationDays Travel duration in days
+     * This method is used when a participant's individual price changes and their
+     * current insurance is no longer eligible. It finds the same insurance type
+     * (subType + familyInsurance) with the correct price tier.
     *
-     * @return bool True if insurance is eligible
+     * @param array<Insurance> $availableInsurances All available insurances
+     * @param Insurance        $currentInsurance    The currently selected insurance
+     * @param ParticipantDto   $participant         The participant to reassign for
+     * @param BookingCreateDto $booking             The booking context
+     *
+     * @return Insurance|null The reassigned insurance or null if no suitable match found
     */
-    private function isInsuranceEligible(
-        Insurance $insurance,
-        ParticipantDto $participant,
-        \DateTimeImmutable $travelStartDate,
-        \DateTimeImmutable $travelEndDate,
-        \DateTimeImmutable $bookingDate,
-        float $travelPrice,
-        int $travelDurationDays,
-    ): bool {
+    public function reassignInsuranceForPriceChange(array $availableInsurances, Insurance $currentInsurance, ParticipantDto $participant, BookingCreateDto $booking): ?Insurance
+    {
+        // Group insurances of the same type (subType + familyInsurance)
+        $sameTypeInsurances = $this->filterInsurancesByType($availableInsurances, $currentInsurance->subType, $currentInsurance->familyInsurance);
+
+        // Get eligible insurances for this participant
+        $eligibleInsurances = $this->getEligibleInsurances($sameTypeInsurances, $participant, $booking);
+
+        // Return the first eligible insurance (they should all be equivalent for the same type)
+        return !empty($eligibleInsurances) ? array_values($eligibleInsurances)[0] : null;
+    }
+
+    /**
+     * Batch-assigns insurances of the same type to all participants based on individual pricing.
+     *
+     * This method takes the applicant's insurance selection and assigns the same insurance type
+     * (subType + familyInsurance) to all participants, but selects the appropriate price tier
+     * based on each participant's individual travel price.
+     *
+     * @param array<Insurance> $availableInsurances All available insurances
+     * @param Insurance        $selectedInsurance   The insurance selected by the applicant
+     * @param BookingCreateDto $booking             The booking with all participants
+     *
+     * @return array<int, Insurance|null> Array indexed by participant index with assigned insurances
+     */
+    public function batchAssignInsuranceToParticipants(array $availableInsurances, Insurance $selectedInsurance, BookingCreateDto $booking): array
+    {
+        $assignments = [];
+
+        // Group insurances of the same type (subType + familyInsurance)
+        $sameTypeInsurances = $this->filterInsurancesByType($availableInsurances, $selectedInsurance->subType, $selectedInsurance->familyInsurance);
+
+        // Assign appropriate insurance to each participant
+        foreach ($booking->getParticipants() as $index => $participant) {
+            $eligibleInsurances = $this->getEligibleInsurances($sameTypeInsurances, $participant, $booking);
+            $assignments[$index] = !empty($eligibleInsurances) ? array_values($eligibleInsurances)[0] : null;
+        }
+
+        return $assignments;
+    }
+
+    /**
+     * Creates eligibility criteria from participant and booking data.
+     */
+    private function createEligibilityCriteria(ParticipantDto $participant, BookingCreateDto $booking): ?InsuranceEligibilityCriteria
+    {
+        $travelStartDate = $booking->travel->dateFrom;
+        $travelEndDate = $booking->travel->dateTo;
+
+        if (null === $travelStartDate || null === $travelEndDate) {
+            return null; // Cannot create criteria without travel dates
+        }
+
+        return new InsuranceEligibilityCriteria(
+            participant: $participant,
+            travelStartDate: $travelStartDate,
+            travelEndDate: $travelEndDate,
+            bookingDate: Carbon::now()->toDateTimeImmutable(),
+            travelPrice: $this->calculateTravelPrice($booking, $participant->index),
+            travelDurationDays: $this->calculateTravelDurationDays($travelStartDate, $travelEndDate),
+            booking: $booking,
+        );
+    }
+
+    /**
+     * Checks if a specific insurance is eligible for given criteria.
+     */
+    private function isInsuranceEligible(Insurance $insurance, InsuranceEligibilityCriteria $criteria): bool
+    {
+        // Family insurance constraints
+        if (false === $this->checkFamilyInsuranceConstraints($insurance, $criteria->booking)) {
+            return false;
+        }
+
        // Age constraints
-        if (!$this->checkAgeConstraints($insurance, $participant, $travelStartDate)) {
+        if (false === $this->checkAgeConstraints($insurance, $criteria->participant, $criteria->travelStartDate)) {
            return false;
        }

        // Travel date constraints
-        if (!$this->checkTravelDateConstraints($insurance, $travelStartDate, $travelEndDate)) {
+        if (false === $this->checkTravelDateConstraints($insurance, $criteria->travelStartDate, $criteria->travelEndDate)) {
            return false;
        }

        // Booking date constraints
-        if (!$this->checkBookingDateConstraints($insurance, $bookingDate)) {
+        if (false === $this->checkBookingDateConstraints($insurance, $criteria->bookingDate)) {
            return false;
        }

        // Travel price constraints
-        if (!$this->checkTravelPriceConstraints($insurance, $travelPrice)) {
+        if (false === $this->checkTravelPriceConstraints($insurance, $criteria->travelPrice)) {
            return false;
        }

        // Travel duration constraints
-        if (!$this->checkTravelDurationConstraints($insurance, $travelDurationDays)) {
+        if (false === $this->checkTravelDurationConstraints($insurance, $criteria->travelDurationDays)) {
+            return false;
+        }
+
+        return true;
+    }
+
+    /**
+     * Checks if family insurance constraints are met.
+     *
+     * Family insurances should only be available for family bookings,
+     * and individual insurances should only be available for non-family bookings.
+     */
+    private function checkFamilyInsuranceConstraints(Insurance $insurance, BookingCreateDto $booking): bool
+    {
+        $isFamilyBooking = $booking->isFamilyBooking();
+
+        // If it's a family insurance, it should only be available for family bookings
+        if (true === $insurance->familyInsurance && false === $isFamilyBooking) {
+            return false;
+        }
+
+        // If it's not a family insurance, it should only be available for non-family bookings
+        if (false === $insurance->familyInsurance && true === $isFamilyBooking) {
            return false;
        }

@@ -103,8 +195,9 @@ class InsuranceMatchingService
    {
        $participantAge = $participant->getAge($travelStartDate);

+        // If no birth date is provided, skip age constraints (field will be hidden via field state conditions)
        if (null === $participantAge) {
-            return false; // Cannot determine age eligibility without birth date
+            return true;
        }

        // Check minimum age
@@ -197,17 +290,21 @@ class InsuranceMatchingService
    }

    /**
-     * Calculates the total travel price from booking data.
+     * Calculates the total travel price for a participant, excluding insurance prices.
+     *
+     * This method calculates the travel price used for insurance eligibility filtering.
+     * It excludes insurance prices to prevent circular dependency where insurance selection
+     * affects travel price which then affects insurance eligibility.
     *
     * @param BookingCreateDto $booking          The booking to calculate price for
+     * @param int              $participantIndex The participant index to calculate for
     *
-     * @return float The total travel price
+     * @return float The total travel price for the participant excluding insurance
     */
-    private function calculateTravelPrice(BookingCreateDto $booking): float
+    private function calculateTravelPrice(BookingCreateDto $booking, int $participantIndex): float
    {
-        // For now, return 0.0 as placeholder - this will be enhanced
-        // when we integrate with the existing pricing calculation system
-        return 0.0;
+        // Use the price calculator to get the participant's individual price excluding insurance
+        return $this->priceCalculatorService->calculateIndividualParticipantPriceExcludingInsurance($booking, $participantIndex);
    }

    /**
@@ -222,4 +319,24 @@ class InsuranceMatchingService
    {
        return $startDate->diff($endDate)->days;
    }
+
+    /**
+     * Filters insurances by type (subType and familyInsurance combination).
+     *
+     * This method groups insurances of the same type together for reassignment or batch assignment.
+     * Insurance type is defined as the combination of subType (RRV, PAK, OHN) and familyInsurance flag.
+     *
+     * @param array<Insurance> $insurances      All available insurances to filter
+     * @param string|null      $subType         The insurance subType to match (e.g., 'RRV', 'PAK')
+     * @param bool             $familyInsurance Whether to match family or individual insurances
+     *
+     * @return array<Insurance> Filtered insurances of the same type
+     */
+    private function filterInsurancesByType(array $insurances, ?string $subType, bool $familyInsurance): array
+    {
+        return array_filter(
+            $insurances,
+            fn (Insurance $insurance) => $insurance->subType === $subType && $insurance->familyInsurance === $familyInsurance
+        );
+    }
 }
@@ -10,6 +10,7 @@ use App\BusProNet\Model\BaseData;
 use App\BusProNet\Model\Notification;
 use App\BusProNet\Model\Travel;
 use App\BusProNet\XmlLoader\HotelLoader;
+use App\BusProNet\XmlLoader\InsuranceLoader;
 use App\BusProNet\XmlLoader\PickupLoader;
 use App\BusProNet\XmlLoader\TravelLoader;
 use App\Exception\HotelNotFoundException;
@@ -36,6 +37,7 @@ class TravelDataService
        private readonly TravelLoader $travelLoader,
        private readonly HotelLoader $hotelLoader,
        private readonly PickupLoader $pickupLoader,
+        private readonly InsuranceLoader $insuranceLoader,
        private readonly ApiClient $apiClient,
        private readonly CacheInterface $cache,
        private readonly LoggerInterface $logger,
@@ -102,6 +104,11 @@ class TravelDataService
    public function getTravelDataFromXml(int $dateId, ?int $hotelId = null): ?Travel
    {
        try {
+            $this->logger->debug('Loading travel data from XML', [
+                'dateId' => $dateId,
+                'hotelId' => $hotelId,
+            ]);
+            
            $travel = $this->travelLoader->loadById($dateId, $hotelId);

            $this->enrichTravelData($travel);
@@ -151,6 +158,11 @@ class TravelDataService
    public function getTravelDataFromApi(int $dateId, ?int $hotelId = null): ?Travel
    {
        try {
+            $this->logger->debug('Loading travel data from API', [
+                'dateId' => $dateId,
+                'hotelId' => $hotelId,
+            ]);
+            
            // Map dateId to productId for API call
            $productId = $this->mapDateIdToProductId($dateId);
            if (null === $productId) {
@@ -581,8 +593,13 @@ class TravelDataService
    private function enrichTravelData(Travel $travel): void
    {
        try {
+            $this->logger->debug('Enriching travel data', [
+                'travelId' => $travel->id,
+            ]);
+            
            $this->pickupLoader->patchPickupsDetails($travel);
            $this->hotelLoader->patchHotelDetails($travel);
+            $this->patchInsuranceData($travel);
        } catch (\Exception $e) {
            $this->logger->warning('Failed to enrich travel data', [
                'travelId' => $travel->id,
@@ -590,4 +607,34 @@ class TravelDataService
            ]);
        }
    }
+
+    /**
+     * Adds insurance data to travel object.
+     *
+     * Loads all available insurances and adds them to the travel object.
+     * This ensures insurance options are available for booking.
+     *
+     * @param Travel $travel The travel object to enrich with insurance data
+     */
+    private function patchInsuranceData(Travel $travel): void
+    {
+        try {
+            $this->logger->debug('Loading insurance data', [
+                'travelId' => $travel->id,
+            ]);
+            
+            $insurances = $this->insuranceLoader->loadAll();
+            $travel->insurances = array_values($insurances);
+            
+            $this->logger->debug('Insurance data added to travel', [
+                'travelId' => $travel->id,
+                'insuranceCount' => count($insurances),
+            ]);
+        } catch (\Exception $e) {
+            $this->logger->warning('Failed to load insurance data', [
+                'travelId' => $travel->id,
+                'error' => $e->getMessage(),
+            ]);
+        }
+    }
 }
@@ -94,6 +94,8 @@
                                                    'hx-swap': 'none'
                                                }
                                            }) }}
+                                        {% else %}
+                                            <div></div>{# Empty div to maintain grid layout when skipass not available #}
                                        {% endif %}
                                        {% if participant.courses is defined %}
                                            {{ form_row(participant.courses, {
@@ -140,6 +142,15 @@
                                                }
                                            }) }}
                                        {% endif %}
+                                        {% if participant.insurance is defined %}
+                                            {{ form_row(participant.insurance, {
+                                                'attr': {
+                                                    'hx-trigger': 'change',
+                                                    'hx-post': path('app_booking_create_step_2_refresh'),
+                                                    'hx-swap': 'none'
+                                                }
+                                            }) }}
+                                        {% endif %}
                                    </div>

                                    {# Transportation Services Section #}
@@ -72,13 +72,13 @@ class InsuranceParserTest extends TestCase
        $this->assertFalse($deductibleInsurance->familyInsurance);
        $this->assertFalse($deductibleInsurance->package);

-        // Test package
+        // Test package - should be family insurance because it contains a family insurance (177236)
        $package = $insurances['P1000320'];
        $this->assertEquals('P1000320', $package->id);
        $this->assertEquals('Reiseschutz Platin Auto/Bahn/Bus (Europa) + Selbstbehaltübernahme', $package->label);
        $this->assertNull($package->subType); // Packages don't have subtypes
        $this->assertEquals(14.0, $package->price);
-        $this->assertFalse($package->familyInsurance);
+        $this->assertTrue($package->familyInsurance); // Should be true because it contains family insurance 177236
        $this->assertTrue($package->package);
        $this->assertEquals([177236, 177270], $package->containedInsuranceIds);
    }
@@ -171,7 +171,11 @@ class InsuranceMatchingServiceTest extends TestCase

        $result = $this->service->getEligibleInsurances([$insurance], $participant, $booking);

-        $this->assertEmpty($result);
+        // Participants without birth date should now have insurances available
+        // (field visibility is controlled by field state conditions, not service logic)
+        $this->assertNotEmpty($result);
+        $this->assertCount(1, $result);
+        $this->assertSame($insurance, $result[0]);
    }

    public function testGetEligibleInsurancesWithNullConstraints(): void