diff --git a/docs/PROJECT_OVERVIEW.md b/docs/PROJECT_OVERVIEW.md
index 0ab8510..a6bd1e2 100644
--- a/docs/PROJECT_OVERVIEW.md
+++ b/docs/PROJECT_OVERVIEW.md
@@ -59,7 +59,7 @@
 - `BookingFingerprintService` - Dirty state detection for edit mode
 - `TravelDataService` - API integration and caching
 - `ParticipantCardDataService` - Card display data
-- `InsuranceMatchingService` - Insurance eligibility and auto-reassignment
+- `InsuranceService` - Consolidated insurance operations (eligibility, type filtering, reassignment) with request-scoped caching
 - `RoomAssignmentService` - Automatic room assignment
 
 ## Critical Patterns
@@ -191,7 +191,7 @@ Critical for correct pricing and auto-reassignment:
 ### Bulk Insurance Booking
 - Applicant enables bulk → applies to all participants
 - `BulkInsuranceBookingCondition` hides dependent participant insurance fields
-- Uses `InsuranceMatchingService::batchAssignInsuranceToParticipants()` for price tier matching
+- Uses `InsuranceService::batchAssignInsuranceToParticipants()` for price tier matching
 
 ## Data Flow
 
@@ -241,7 +241,7 @@ Critical for correct pricing and auto-reassignment:
 - **Insurance IDs**: Always use strings, not integers (e.g., `'100'` not `100`)
 - **Room properties**: Use `$label` property, not `$name`
 - **Participant names**: Index 0 expects "Anmelder:in", others expect "Teilnehmer:in N" (1-based)
-- **Mock dependencies**: Ensure all constructor dependencies have mocks (especially new ones like `InsuranceLoader`, `InsuranceTypeFilterService`)
+- **Mock dependencies**: Ensure all constructor dependencies have mocks. Note: `InsuranceService` is stateless with no dependencies (no mocking required)
 - **Insurance mutability**: In edit mode, insurances are always readonly (API limitation)
 
 ## File Locations
diff --git a/src/Service/BookingPriceCalculatorService.php b/src/Service/BookingPriceCalculatorService.php
index 2c60d90..f6c1f6f 100644
--- a/src/Service/BookingPriceCalculatorService.php
+++ b/src/Service/BookingPriceCalculatorService.php
@@ -315,8 +315,10 @@ class BookingPriceCalculatorService
      *
      * @return float The total price for the specified participant excluding insurance and non-calculated services
      */
-    public function calculateIndividualParticipantPriceExcludingInsurance(BookingDto $bookingDto, int $participantIndex): float
-    {
+    public function calculateIndividualParticipantPriceExcludingInsurance(
+        BookingDto $bookingDto,
+        int $participantIndex,
+    ): float {
         $participant = $bookingDto->getParticipant($participantIndex);
         if (null === $participant) {
             return 0.0;
@@ -591,8 +593,12 @@ class BookingPriceCalculatorService
      *
      * @return float The total service cost for this participant
      */
-    private function calculateParticipantServiceTotal(ParticipantDto $participant, bool $includeInsurance = true, ?BookingDto $bookingDto = null, bool $onlyInsuranceCalculationServices = false): float
-    {
+    private function calculateParticipantServiceTotal(
+        ParticipantDto $participant,
+        bool $includeInsurance = true,
+        ?BookingDto $bookingDto = null,
+        bool $onlyInsuranceCalculationServices = false,
+    ): float {
         $serviceTotal = 0.0;
 
         // Single service selections
diff --git a/src/Service/InsuranceService.php b/src/Service/InsuranceService.php
index bf820ed..3bbbe5d 100644
--- a/src/Service/InsuranceService.php
+++ b/src/Service/InsuranceService.php
@@ -55,8 +55,12 @@ class InsuranceService
      *
      * @return array<Insurance> Filtered array of eligible insurances, sorted by price
      */
-    public function getEligibleInsurances(array $insurances, ParticipantDto $participant, BookingDto $booking, float $travelPrice): array
-    {
+    public function getEligibleInsurances(
+        array $insurances,
+        ParticipantDto $participant,
+        BookingDto $booking,
+        float $travelPrice
+    ): array {
         $travelStartDate = $booking->travel->dateFrom;
         $travelEndDate = $booking->travel->dateTo;
 
@@ -99,8 +103,13 @@ class InsuranceService
      *
      * @return Insurance|null The reassigned insurance or null if no suitable match found
      */
-    public function reassignInsuranceForPriceChange(array $availableInsurances, Insurance $currentInsurance, ParticipantDto $participant, BookingDto $booking, float $travelPrice): ?Insurance
-    {
+    public function reassignInsuranceForPriceChange(
+        array $availableInsurances,
+        Insurance $currentInsurance,
+        ParticipantDto $participant,
+        BookingDto $booking,
+        float $travelPrice
+    ): ?Insurance {
         // Group insurances of the same type
         $sameTypeInsurances = $this->filterByType($availableInsurances, $currentInsurance);
 
@@ -125,8 +134,12 @@ class InsuranceService
      *
      * @return array<int, Insurance|null> Array indexed by participant index with assigned insurances
      */
-    public function batchAssignInsuranceToParticipants(array $availableInsurances, Insurance $selectedInsurance, BookingDto $booking, array $participantPrices): array
-    {
+    public function batchAssignInsuranceToParticipants(
+        array $availableInsurances,
+        Insurance $selectedInsurance,
+        BookingDto $booking,
+        array $participantPrices
+    ): array {
         $assignments = [];
 
         // Group insurances of the same type
@@ -264,8 +277,11 @@ class InsuranceService
         return true;
     }
 
-    private function checkAgeConstraints(Insurance $insurance, ParticipantDto $participant, \DateTimeImmutable $travelStartDate): bool
-    {
+    private function checkAgeConstraints(
+        Insurance $insurance,
+        ParticipantDto $participant,
+        \DateTimeImmutable $travelStartDate
+    ): bool {
         $participantAge = $participant->getAge($travelStartDate);
 
         // If no birth date is provided, skip age constraints (field will be hidden via field state conditions)
@@ -286,8 +302,11 @@ class InsuranceService
         return true;
     }
 
-    private function checkTravelDateConstraints(Insurance $insurance, \DateTimeImmutable $travelStartDate, \DateTimeImmutable $travelEndDate): bool
-    {
+    private function checkTravelDateConstraints(
+        Insurance $insurance,
+        \DateTimeImmutable $travelStartDate,
+        \DateTimeImmutable $travelEndDate
+    ): bool {
         // Check travel start date
         if (null !== $insurance->travelDateFrom && $travelStartDate < $insurance->travelDateFrom) {
             return false;