fix: incorrect rules around family insurances

addresses #869dr80qj

src/Service/InsuranceManager.php

@@ -107,6 +107,42 @@ class InsuranceManager
         })();
     }
 
+    /**
+     * Returns eligible insurances for a participant, pricing family and non-family
+     * insurances on the correct basis.
+     *
+     * Family insurances must be priced by the total booking price, not the individual
+     * participant's price - this splits the given insurances by type and evaluates
+     * each group against the appropriate price before merging the results back together.
+     *
+     * @param array<Insurance> $insurances       Available insurances to filter
+     * @param ParticipantDto   $participant      The participant to match insurances for
+     * @param BookingDto       $booking          The booking context for additional criteria
+     * @param float            $individualPrice  The participant's individual travel price (excluding insurance)
+     * @param float            $totalBookingPrice The total booking price across all participants (excluding insurance)
+     *
+     * @return array<Insurance> Filtered array of eligible insurances, sorted by price
+     */
+    public function getEligibleInsurancesForParticipant(
+        array $insurances,
+        ParticipantDto $participant,
+        BookingDto $booking,
+        float $individualPrice,
+        float $totalBookingPrice,
+    ): array {
+        $nonFamilyInsurances = array_values(array_filter($insurances, static fn (Insurance $i) => false === $i->familyInsurance));
+        $familyInsurances = array_values(array_filter($insurances, static fn (Insurance $i) => true === $i->familyInsurance));
+
+        $eligibleInsurances = $this->getEligibleInsurances($nonFamilyInsurances, $participant, $booking, $individualPrice);
+
+        if (!empty($familyInsurances)) {
+            $eligibleFamilyInsurances = $this->getEligibleInsurances($familyInsurances, $participant, $booking, $totalBookingPrice);
+            $eligibleInsurances = $this->sortByPrice(array_merge($eligibleInsurances, $eligibleFamilyInsurances));
+        }
+
+        return $eligibleInsurances;
+    }
+
     /**
      * Auto-reassigns an insurance to the same type with appropriate price tier.
      *
@@ -159,12 +195,28 @@ class InsuranceManager
         BookingDto $booking,
         array $participantPrices,
     ): array {
-        $assignments = [];
-
         // Group insurances of the same type
         $sameTypeInsurances = $this->filterByType($availableInsurances, $selectedInsurance);
 
-        // Assign appropriate insurance to each participant
+        // Family insurance: assign to applicant only, priced by total booking price
+        if (true === $selectedInsurance->familyInsurance) {
+            $totalPrice = array_sum($participantPrices);
+            $applicant = $booking->getParticipant(0);
+            $eligibleInsurances = null !== $applicant
+                ? $this->getEligibleInsurances($sameTypeInsurances, $applicant, $booking, $totalPrice)
+                : [];
+            $tieredInsurance = !empty($eligibleInsurances) ? array_values($eligibleInsurances)[0] : null;
+
+            $assignments = [];
+            foreach ($booking->getParticipants() as $index => $participant) {
+                $assignments[$index] = 0 === $index ? $tieredInsurance : null;
+            }
+
+            return $assignments;
+        }
+
+        // Non-family insurance: assign to each participant with their individual price tier
+        $assignments = [];
         foreach ($booking->getParticipants() as $index => $participant) {
             $travelPrice = $participantPrices[$index] ?? 0.0;
             $eligibleInsurances = $this->getEligibleInsurances($sameTypeInsurances, $participant, $booking, $travelPrice);
@@ -242,7 +294,7 @@ class InsuranceManager
         int $travelDurationDays,
     ): bool {
         // Family insurance constraints
-        if (false === $this->checkFamilyInsuranceConstraints($insurance, $booking)) {
+        if (false === $this->checkFamilyInsuranceConstraints($insurance, $participant, $booking)) {
             return false;
         }
 
@@ -274,23 +326,15 @@ class InsuranceManager
         return true;
     }
 
-    private function checkFamilyInsuranceConstraints(Insurance $insurance, BookingDto $booking): bool
+    private function checkFamilyInsuranceConstraints(Insurance $insurance, ParticipantDto $participant, BookingDto $booking): bool
     {
-        // Family booking detection only available in create mode
-        if (BookingDto::MODE_EDIT === $booking->getMode()) {
-            return true; // Skip family constraints for edit mode
-        }
-
-        $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;
+        if (true === $insurance->familyInsurance) {
+            if (false === $booking->isFamilyBooking()) {
+                return false; // Family insurance only available for family bookings
+            }
+            if (0 !== $participant->index) {
+                return false; // Family insurance only assignable to the applicant
+            }
         }
 
         return true;