feat: indicate family insurance eligibility

addresses #869dr80qj

src/BusProNet/DataProcessor/BookingDataProcessor.php

@@ -6,6 +6,7 @@ namespace App\BusProNet\DataProcessor;
 
 use App\BusProNet\Constants;
 use App\BusProNet\Model\Booking;
+use App\BusProNet\Model\Insurance;
 use App\BusProNet\Model\Travel;
 use App\BusProNet\Utility\DirectionMapper;
 use App\BusProNet\XmlLoader\AgencyLoader;
@@ -301,8 +302,8 @@ class BookingDataProcessor
      */
     public function createUpdateRequestPayload(?BookingDto $formData): array
     {
-        // Apply bulk insurance if enabled (modifies DTO in place)
-        $this->applyBulkInsuranceIfActive($formData);
+        // Apply bulk or family insurance if applicable (modifies DTO in place)
+        $this->applyApplicantInsuranceToParticipants($formData);
 
         $bookingData = $formData->booking;
         $travelData = $formData->travel;
@@ -362,33 +363,131 @@ class BookingDataProcessor
      */
     public function createBookingRequestPayload(BookingDto $bookingDto, string $bookingType): array
     {
-        // Apply bulk insurance if enabled (modifies DTO in place)
-        $this->applyBulkInsuranceIfActive($bookingDto);
+        // Re-validate each participant's insurance against current eligibility (price tier,
+        // family constraint, etc.) before submission - selections can go stale between the
+        // moment they were chosen and final submission, since users can freely revisit
+        // earlier steps and change composition/services without ever re-opening the
+        // insurance field. Must run before the applicant-to-dependents propagation below,
+        // so that propagation is based on an already-corrected applicant selection.
+        $this->reconcileInsuranceEligibility($bookingDto);
+
+        // Apply bulk or family insurance if applicable (modifies DTO in place)
+        $this->applyApplicantInsuranceToParticipants($bookingDto);
 
         return $this->payloadBuilder->buildCreatePayload($bookingDto, $bookingType);
     }
 
     /**
-     * Applies bulk insurance assignment if the applicant has enabled it.
+     * Re-validates every participant's currently selected insurance against present-day
+     * eligibility (price tier, family constraint, age, travel/booking dates, duration) and
+     * corrects any selection that's gone stale.
      *
-     * When bulk insurance is active (applicant's bulkInsuranceBooking = true), this method
-     * assigns the applicant's insurance TYPE to all dependent participants with automatic
-     * price tier adjustment based on each participant's total cost.
+     * Insurance eligibility is normally re-checked when a participant's own card is
+     * resubmitted (see ParticipantInsuranceFieldHandler::processField()), but nothing forces
+     * that to happen again if the user changes composition or services on an earlier step
+     * after insurance was already chosen, then jumps straight to submission. Left unchecked,
+     * a stale insurance ID (e.g. a family-tariff price tier that no longer matches the
+     * current total booking price) would reach the BPN API and be rejected as a mismatch.
      *
-     * IMPORTANT: In edit mode, bulk insurance only applies to participants who:
+     * Mirrors the reassign-or-clear logic already established in
+     * ParticipantInsuranceFieldHandler for the resubmission case, applied here across all
+     * participants right before the payload is built.
+     */
+    private function reconcileInsuranceEligibility(BookingDto $bookingDto): bool
+    {
+        $selectableInsurances = $this->insuranceService->getSelectableInsurances($bookingDto->travel);
+        $changed = false;
+
+        foreach ($bookingDto->getParticipants() as $index => $participant) {
+            $currentInsurance = $participant->insurance;
+            if (null === $currentInsurance || $currentInsurance->isNoInsurance()) {
+                continue;
+            }
+
+            $travelPrice = $this->priceCalculatorService->resolveInsuranceTravelPrice($bookingDto, $index, $currentInsurance);
+            $eligibleInsurances = $this->insuranceService->getEligibleInsurances($selectableInsurances, $participant, $bookingDto, $travelPrice);
+
+            if ($this->isInsuranceInList($currentInsurance, $eligibleInsurances)) {
+                continue;
+            }
+
+            $reassignedInsurance = $this->insuranceService->reassignInsuranceForPriceChange(
+                $selectableInsurances,
+                $currentInsurance,
+                $participant,
+                $bookingDto,
+                $travelPrice
+            );
+
+            if (null !== $reassignedInsurance) {
+                $participant->addNotification(
+                    'warning',
+                    sprintf('Versicherung vor der Übermittlung automatisch angepasst: %s', $reassignedInsurance->label)
+                );
+            } else {
+                $participant->addNotification(
+                    'warning',
+                    'Die gewählte Versicherung ist für diese Buchung nicht mehr verfügbar und wurde entfernt. Bitte erneut auswählen.'
+                );
+            }
+
+            $participant->insurance = $reassignedInsurance;
+            $changed = true;
+        }
+
+        return $changed;
+    }
+
+    /**
+     * Checks if a specific insurance exists in a list of insurances (by id).
+     *
+     * @param array<Insurance> $insuranceList
+     */
+    private function isInsuranceInList(Insurance $targetInsurance, array $insuranceList): bool
+    {
+        foreach ($insuranceList as $insurance) {
+            if ($insurance->id === $targetInsurance->id) {
+                return true;
+            }
+        }
+
+        return false;
+    }
+
+    /**
+     * Applies the applicant's insurance to other participants if their selection requires it.
+     *
+     * Runs when either:
+     * - Bulk insurance is active (applicant's bulkInsuranceBooking = true): assigns the
+     *   applicant's insurance TYPE to all dependent participants with automatic price tier
+     *   adjustment based on each participant's individual cost.
+     * - The applicant selected a family insurance: family insurance covers the whole family
+     *   under a single policy, so dependents must never hold their own insurance, regardless
+     *   of whether the bulk checkbox was checked.
+     *
+     * IMPORTANT: In edit mode, non-family bulk insurance only applies to participants who:
      * 1. Currently have NO insurance assigned (insurance === null)
      * 2. OR whose insurance was already assigned via previous bulk operation
      *
-     * This prevents overriding individually selected insurances that are locked.
+     * This prevents overriding individually selected insurances that are locked. Family
+     * insurance is exempt from this protection: dependents can never legitimately hold
+     * their own policy alongside it, so their insurance is always cleared, in edit mode too.
      *
      * @param BookingDto $bookingDto The booking DTO (create or edit flow)
      */
-    private function applyBulkInsuranceIfActive(BookingDto $bookingDto): void
+    private function applyApplicantInsuranceToParticipants(BookingDto $bookingDto): void
     {
         $applicant = $bookingDto->getParticipant(0);
 
-        // Check if bulk insurance is enabled and applicant has selected an insurance
-        if (null === $applicant || false === $applicant->bulkInsuranceBooking || null === $applicant->insurance) {
+        if (null === $applicant || null === $applicant->insurance) {
+            return;
+        }
+
+        $isFamilyInsurance = true === $applicant->insurance->familyInsurance;
+
+        // Check if bulk insurance is enabled OR the applicant's selection is a family
+        // insurance (which always applies to dependents, independent of the bulk checkbox)
+        if (false === $applicant->bulkInsuranceBooking && false === $isFamilyInsurance) {
             return;
         }
 
@@ -409,10 +508,11 @@ class BookingDataProcessor
             $participantPrices
         );
 
-        // Apply assignments to dependent participants (skip applicant at index 0)
+        // Apply assignments to all participants; for non-family insurance skip the applicant
+        // (they already hold the insurance they selected themselves)
         foreach ($assignments as $index => $insurance) {
-            if (0 === $index) {
-                continue; // Skip applicant
+            if (0 === $index && false === $isFamilyInsurance) {
+                continue;
             }
 
             $participant = $bookingDto->getParticipant($index);
@@ -420,9 +520,10 @@ class BookingDataProcessor
                 continue;
             }
 
-            // In edit mode: only apply bulk insurance if participant has no insurance
-            // This respects the rule that once assigned, insurance cannot be changed
-            if (BookingDto::MODE_EDIT === $bookingDto->getMode() && null !== $participant->insurance) {
+            // In edit mode: non-family bulk assignment must not overwrite an individually
+            // locked insurance. Family insurance always overrides, since dependents can
+            // never legitimately keep their own policy alongside it.
+            if (BookingDto::MODE_EDIT === $bookingDto->getMode() && false === $isFamilyInsurance && null !== $participant->insurance) {
                 continue; // Skip participants with existing insurance assignment
             }
 

src/Controller/Booking/Create/Step2ParticipantController.php

@@ -92,7 +92,9 @@ class Step2ParticipantController extends AbstractController
             return $this->redirectToRoute('app_booking_create_step_2');
         }
 
-        return $this->renderParticipantForm($form, $index, $bookingDto);
+        // Notifications were already cleared from the DTO above, so they have to be handed
+        // to the render path too - otherwise every invalid submission silently swallows them
+        return $this->renderParticipantForm($form, $index, $bookingDto, $notifications);
     }
 
     /**
@@ -124,17 +126,25 @@ class Step2ParticipantController extends AbstractController
         );
     }
 
-    /** @param FormInterface<mixed> $form */
+    /**
+     * @param FormInterface<mixed>                        $form
+     * @param array<array{type: string, message: string}> $notifications
+     */
     private function renderParticipantForm(
         FormInterface $form,
         int $index,
         BookingDto $bookingDto,
+        array $notifications = [],
     ): Response {
         $bookingCreateContext = $this->createContextFactory->create(
             $bookingDto,
             RoomPricingCalculator::PRICING_MODE_SELECTION
         );
 
+        // The rendered template includes _partials/_flashes.html.twig, so flashes added here
+        // are consumed by this very response instead of leaking into the next page
+        $this->addNotificationsAsFlashMessages($notifications);
+
         return $this->render('booking/create/step_2_participant.html.twig', [
             'form' => $form,
             'participantIndex' => $index,

src/Controller/Booking/Create/Step3Controller.php

@@ -19,6 +19,7 @@ use App\Service\BookingCreateContextFactory;
 use App\Service\BookingPriceCalculator;
 use App\Service\BookingPriceMismatchAnalyzer;
 use App\Service\BookingSessionManager;
+use App\Service\ParticipantFormSupport;
 use App\Service\RoomPricingCalculator;
 use Psr\Log\LoggerInterface;
 use Symfony\Component\Form\FormInterface;
@@ -40,6 +41,7 @@ class Step3Controller extends AbstractBookingCreateController
         private readonly BookingPriceCalculator $priceCalculator,
         private readonly BookingPriceMismatchAnalyzer $priceMismatchDiagnostics,
         private readonly ApiClient $apiClient,
+        private readonly ParticipantFormSupport $participantFormSupportService,
         private readonly LoggerInterface $logger,
     ) {
     }
@@ -76,6 +78,12 @@ class Step3Controller extends AbstractBookingCreateController
                 // Validate booking data with API by submitting an inquiry booking
                 $inquiryResponse = $this->apiClient->createBookingInquiry($bookingCreateDto);
 
+                // Surface any insurance corrections made during payload building (e.g. a
+                // stale price tier reassigned/cleared right before submission)
+                foreach ($this->participantFormSupportService->collectAndClearNotifications($bookingCreateDto) as $notification) {
+                    $this->addFlash($notification['type'], $notification['message']);
+                }
+
                 if ($inquiryResponse instanceof Notification) {
                     $this->handleApiError(
                         $this->logger,

src/Controller/Booking/Create/Step4Controller.php

@@ -20,6 +20,7 @@ use App\Service\BookingConfigurator;
 use App\Service\BookingCreateContextFactory;
 use App\Service\BookingSessionManager;
 use App\Service\NewsletterManager;
+use App\Service\ParticipantFormSupport;
 use Psr\Log\LoggerInterface;
 use Symfony\Component\Form\FormInterface;
 use Symfony\Component\HttpFoundation\Request;
@@ -41,6 +42,7 @@ class Step4Controller extends AbstractBookingCreateController
         private readonly ApiClient $apiClient,
         private readonly CacheInterface $cache,
         private readonly NewsletterManager $doubleOptInService,
+        private readonly ParticipantFormSupport $participantFormSupportService,
         private readonly LoggerInterface $logger,
     ) {
     }
@@ -78,6 +80,12 @@ class Step4Controller extends AbstractBookingCreateController
                 // Submit final booking (already validated in Step 3)
                 $bookingResponse = $this->apiClient->createBooking($bookingCreateDto);
 
+                // Surface any insurance corrections made during payload building (e.g. a
+                // stale price tier reassigned/cleared right before submission)
+                foreach ($this->participantFormSupportService->collectAndClearNotifications($bookingCreateDto) as $notification) {
+                    $this->addFlash($notification['type'], $notification['message']);
+                }
+
                 if ($bookingResponse instanceof Notification) {
                     $this->handleApiError(
                         $this->logger,

src/Form/Model/BookingCreateContext.php

@@ -20,6 +20,7 @@ class BookingCreateContext
         public readonly ?array $cardsData = null,
         public readonly bool $isSubmitted = false,
         public readonly ?array $participantPrices = null,
+        public readonly bool $familyInsuranceUpgradeAvailable = false,
     ) {
     }
 }

src/Form/Model/BookingDto.php

@@ -70,6 +70,15 @@ class BookingDto
      */
     public ?string $originalFingerprint = null;
 
+    /**
+     * Whether the applicant's current insurance choice was made while family insurance
+     * was not yet eligible (i.e. before the dependents' dates of birth were known).
+     * Set at selection time; used by FamilyInsuranceAvailabilityChecker to distinguish
+     * "the applicant never had the chance" from "it was available all along and the
+     * applicant chose otherwise".
+     */
+    public bool $applicantInsuranceChosenWhileFamilyIneligible = false;
+
     public function __construct(public Travel $travel, public int $hotelId)
     {
     }

src/Form/Model/ParticipantEditDto.php

@@ -67,9 +67,9 @@ class ParticipantEditDto
      * Validates that insurance is selected when required.
      *
      * Insurance is required for all participants in create mode, EXCEPT for dependent
-     * participants when the applicant has enabled bulk insurance booking. In that case,
-     * the insurance field is hidden and will be automatically assigned by the bulk
-     * insurance handler.
+     * participants when the applicant has enabled bulk insurance booking, or when the
+     * applicant has a family insurance selected. In both cases, the insurance field is
+     * hidden and coverage is derived from the applicant instead.
      *
      * In edit submissions, this validation is skipped entirely because insurance
      * data is readonly and preserved as-is from the BPN API.
@@ -90,6 +90,10 @@ class ParticipantEditDto
             if (true === $applicant?->bulkInsuranceBooking) {
                 return;
             }
+
+            if (null !== $applicant?->insurance && true === $applicant->insurance->familyInsurance) {
+                return;
+            }
         }
 
         if (null === $this->participant->insurance) {

src/Form/Service/Condition/FamilyInsuranceActiveCondition.php

@@ -0,0 +1,40 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Form\Service\Condition;
+
+use App\Form\Model\BookingDto;
+use App\Form\Service\Contract\FieldConditionInterface;
+
+/**
+ * True for dependent participants when the applicant has a family insurance selected.
+ *
+ * Family insurance covers the whole family under a single policy on the applicant, so
+ * dependents must not be offered their own insurance selection while it's active.
+ */
+class FamilyInsuranceActiveCondition implements FieldConditionInterface
+{
+    public function evaluate(BookingDto $bookingDto, int $participantIndex, array $formData): bool
+    {
+        if (0 === $participantIndex) {
+            return false;
+        }
+
+        $applicant = $bookingDto->getParticipant(0);
+
+        return null !== $applicant
+            && null !== $applicant->insurance
+            && true === $applicant->insurance->familyInsurance;
+    }
+
+    public function getDependentFields(): array
+    {
+        return ['insurance'];
+    }
+
+    public function getDescription(): string
+    {
+        return 'Applicant has a family insurance selected';
+    }
+}

src/Form/Service/CreateFieldStateProvider.php

@@ -12,6 +12,7 @@ use App\Form\Service\Condition\BookingEligibilityCondition;
 use App\Form\Service\Condition\BulkInsuranceBookingCondition;
 use App\Form\Service\Condition\CompositeCondition;
 use App\Form\Service\Condition\DateOfBirthProvidedCondition;
+use App\Form\Service\Condition\FamilyInsuranceActiveCondition;
 use App\Form\Service\Condition\FieldValueCondition;
 use App\Form\Service\Condition\FinalBookingOnlyCondition;
 use App\Form\Service\Condition\FirstParticipantCondition;
@@ -221,11 +222,13 @@ class CreateFieldStateProvider extends AbstractFieldStateProvider
             ),
         ];
 
-        // Hide insurance field until date of birth is provided OR when bulk insurance booking is active OR when participant is ineligible
+        // Hide insurance field until date of birth is provided OR when bulk insurance booking is active
+        // OR when the applicant has a family insurance active (it already covers dependents) OR when participant is ineligible
         $this->fieldStateConditions['insurance'] = [
             'hidden' => CompositeCondition::or(
                 CompositeCondition::not($dateOfBirthProvidedCondition),
                 $bulkInsuranceBookingCondition,
+                new FamilyInsuranceActiveCondition(),
                 $bookingEligibilityCondition
             ),
         ];

src/Form/Service/ParticipantFieldOptionsProvider.php

@@ -1159,15 +1159,17 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
         // Get selectable (non-complementary) insurances with caching
         $selectableInsurances = $this->insuranceService->getSelectableInsurances($bookingDto->travel);
 
-        // Calculate travel price for eligibility filtering
-        $travelPrice = $this->priceCalculatorService->calculateIndividualParticipantPriceExcludingInsurance($bookingDto, $participantIndex);
+        // Family insurances are priced by the total booking price rather than the individual
+        // participant's price - InsuranceManager applies the correct basis per insurance type
+        $individualPrice = $this->priceCalculatorService->calculateIndividualParticipantPriceExcludingInsurance($bookingDto, $participantIndex);
+        $totalBookingPrice = $this->priceCalculatorService->calculateTotalBookingPriceExcludingInsurance($bookingDto);
 
-        // Filter based on eligibility criteria for this participant
-        $eligibleInsurances = $this->insuranceService->getEligibleInsurances(
+        $eligibleInsurances = $this->insuranceService->getEligibleInsurancesForParticipant(
             $selectableInsurances,
             $participant,
             $bookingDto,
-            $travelPrice
+            $individualPrice,
+            $totalBookingPrice
         );
 
         // Inject synthetic "no insurance" option at the top of the list

src/Form/Service/ParticipantInsuranceFieldHandler.php

@@ -8,6 +8,7 @@ use App\BusProNet\Model\Insurance;
 use App\Form\Model\BookingDto;
 use App\Form\Service\Abstract\AbstractParticipantFieldHandler;
 use App\Service\BookingPriceCalculator;
+use App\Service\FamilyInsuranceAvailabilityChecker;
 use App\Service\InsuranceManager;
 
 /**
@@ -37,6 +38,7 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
     public function __construct(
         private readonly InsuranceManager $insuranceService,
         private readonly BookingPriceCalculator $priceCalculatorService,
+        private readonly FamilyInsuranceAvailabilityChecker $familyInsuranceService,
     ) {
     }
 
@@ -136,9 +138,6 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
         // Get selectable (non-complementary) insurances with caching
         $selectableInsurances = $this->insuranceService->getSelectableInsurances($bookingDto->travel);
 
-        // Calculate travel price for eligibility checks
-        $travelPrice = $this->priceCalculatorService->calculateIndividualParticipantPriceExcludingInsurance($bookingDto, $participantIndex);
-
         // Determine if this is a new user selection or just form resubmission
         $isNewSelection = null !== $selectedInsuranceId
             && (null === $currentInsurance || !$this->isSameInsurance($selectedInsuranceId, $currentInsurance));
@@ -155,12 +154,16 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
                 $noInsurance->price = 0.0;
                 $participant->insurance = $noInsurance;
 
+                $this->recordFamilyIneligibilityAtSelectionTime($bookingDto, $participantIndex, $noInsurance);
+
                 return; // Skip all other processing for "no insurance"
             }
 
             $selectedInsurance = $this->findInsuranceById($selectableInsurances, $selectedInsuranceId);
 
             if (null !== $selectedInsurance) {
+                $travelPrice = $this->priceCalculatorService->resolveInsuranceTravelPrice($bookingDto, $participantIndex, $selectedInsurance);
+
                 $eligibleInsurances = $this->insuranceService->getEligibleInsurances($selectableInsurances, $participant, $bookingDto, $travelPrice);
                 $isSelectedInsuranceEligible = $this->isInsuranceInList($selectedInsurance, $eligibleInsurances);
 
@@ -189,15 +192,22 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
                 // Insurance not found - clear selection
                 $participant->insurance = null;
             }
+
+            $this->recordFamilyIneligibilityAtSelectionTime($bookingDto, $participantIndex, $participant->insurance);
         }
 
         // Handle form resubmission with existing insurance (automatic reassignment check)
-        if (null !== $currentInsurance && null !== $selectedInsuranceId) {
+        // Only applies when the selection didn't just change above - otherwise this would
+        // re-validate the now-stale $currentInsurance and could overwrite the fresh selection
+        // the block above already made in this same request.
+        if (!$isNewSelection && null !== $currentInsurance && null !== $selectedInsuranceId) {
             // Preserve "no insurance" selection during resubmission
             if ($currentInsurance->isNoInsurance()) {
                 return;
             }
 
+            $travelPrice = $this->priceCalculatorService->resolveInsuranceTravelPrice($bookingDto, $participantIndex, $currentInsurance);
+
             // Check if current insurance is still eligible with updated participant data
             $eligibleInsurances = $this->insuranceService->getEligibleInsurances($selectableInsurances, $participant, $bookingDto, $travelPrice);
             $isCurrentInsuranceStillEligible = $this->isInsuranceInList($currentInsurance, $eligibleInsurances);
@@ -259,6 +269,28 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
         return [];
     }
 
+    /**
+     * Records whether the applicant's insurance choice was made while family insurance
+     * was NOT yet eligible, so the standing hint rendered in step 2 can tell "never had
+     * the chance" apart from "was available all along and the applicant chose non-family
+     * anyway".
+     *
+     * Only called when the applicant (index 0) makes a genuine new selection - not on
+     * mere resubmission/price-tier reassignment of an already-standing choice.
+     */
+    private function recordFamilyIneligibilityAtSelectionTime(BookingDto $bookingDto, int $participantIndex, ?Insurance $insurance): void
+    {
+        if (0 !== $participantIndex || null === $insurance || true === $insurance->familyInsurance) {
+            return;
+        }
+
+        if (null === $bookingDto->getParticipant(0)) {
+            return;
+        }
+
+        $bookingDto->applicantInsuranceChosenWhileFamilyIneligible = !$this->familyInsuranceService->hasEligibleFamilyInsurance($bookingDto);
+    }
+
     /**
      * Finds an insurance by ID from the available insurances array.
      *

src/Service/BookingCreateContextFactory.php

@@ -19,6 +19,7 @@ class BookingCreateContextFactory
         private readonly ParticipantCardAssembler $participantCardDataService,
         private readonly BookingSummaryAssembler $summaryDataService,
         private readonly BookingPriceCalculator $priceCalculator,
+        private readonly FamilyInsuranceAvailabilityChecker $familyInsuranceService,
     ) {
     }
 
@@ -32,6 +33,7 @@ class BookingCreateContextFactory
             bookingDto: $bookingDto,
             summaryData: $baseContext['summaryData'],
             groupedRooms: $baseContext['groupedRooms'],
+            familyInsuranceUpgradeAvailable: $baseContext['familyInsuranceUpgradeAvailable'],
         );
     }
 
@@ -45,6 +47,7 @@ class BookingCreateContextFactory
             groupedRooms: $baseContext['groupedRooms'],
             cardsData: $this->participantCardDataService->getAllCardsDataWithValidation($bookingDto),
             isSubmitted: $isSubmitted,
+            familyInsuranceUpgradeAvailable: $baseContext['familyInsuranceUpgradeAvailable'],
         );
     }
 
@@ -57,17 +60,19 @@ class BookingCreateContextFactory
             summaryData: $baseContext['summaryData'],
             groupedRooms: $baseContext['groupedRooms'],
             participantPrices: $this->priceCalculator->calculateAllParticipantIndividualPrices($bookingDto),
+            familyInsuranceUpgradeAvailable: $baseContext['familyInsuranceUpgradeAvailable'],
         );
     }
 
     /**
-     * @return array{summaryData: BookingSummaryDto, groupedRooms: RoomGroupsDto}
+     * @return array{summaryData: BookingSummaryDto, groupedRooms: RoomGroupsDto, familyInsuranceUpgradeAvailable: bool}
      */
     private function buildBaseContext(BookingDto $bookingDto, string $pricingMode): array
     {
         return [
             'summaryData' => $this->summaryDataService->getSummaryData($bookingDto, $pricingMode),
             'groupedRooms' => $this->groupRoomsBySelectionType($bookingDto->travel->getAvailableRooms()),
+            'familyInsuranceUpgradeAvailable' => $this->familyInsuranceService->isFamilyInsuranceUpgradeAvailable($bookingDto),
         ];
     }
 

src/Service/BookingPriceCalculator.php

@@ -4,6 +4,7 @@ declare(strict_types=1);
 
 namespace App\Service;
 
+use App\BusProNet\Model\Insurance;
 use App\Form\Model\BookingDto;
 
 /**
@@ -76,6 +77,22 @@ class BookingPriceCalculator
         return $this->participantPricingCalculator->calculateAllParticipantIndividualPrices($bookingDto);
     }
 
+    /**
+     * Calculates total booking price across all participants, excluding insurance.
+     *
+     * Used for family insurance price-tier determination, where the tier is based on
+     * the combined trip cost rather than any single participant's price.
+     */
+    public function calculateTotalBookingPriceExcludingInsurance(BookingDto $bookingDto): float
+    {
+        $total = 0.0;
+        foreach ($bookingDto->getParticipants() as $index => $participant) {
+            $total += $this->calculateIndividualParticipantPriceExcludingInsurance($bookingDto, $index);
+        }
+
+        return $total;
+    }
+
     /**
      * Calculates the total price for an individual participant excluding insurance.
      *
@@ -95,4 +112,22 @@ class BookingPriceCalculator
             $participantIndex
         );
     }
+
+    /**
+     * Resolves the travel price to use for insurance eligibility checks.
+     *
+     * Family insurances are always evaluated against the total booking price (all
+     * participants combined); everything else uses the individual participant's price.
+     * Non-applicant participants can never hold a family insurance (InsuranceManager
+     * restricts family insurances to the applicant), so this does not need to know
+     * whether $participantIndex is the applicant.
+     */
+    public function resolveInsuranceTravelPrice(BookingDto $bookingDto, int $participantIndex, Insurance $insurance): float
+    {
+        if (true === $insurance->familyInsurance) {
+            return $this->calculateTotalBookingPriceExcludingInsurance($bookingDto);
+        }
+
+        return $this->calculateIndividualParticipantPriceExcludingInsurance($bookingDto, $participantIndex);
+    }
 }

src/Service/FamilyInsuranceAvailabilityChecker.php

@@ -0,0 +1,82 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Service;
+
+use App\BusProNet\Model\Insurance;
+use App\Form\Model\BookingDto;
+
+/**
+ * Single source of truth for "the applicant could still upgrade to a family insurance".
+ *
+ * Participants are entered one card at a time, applicant first, so at the moment the
+ * applicant has to pick an insurance the family constellation is not yet known and no
+ * family insurance can be offered. Only the applicant may hold a family insurance, so
+ * without a standing hint the opportunity is silently lost once the dependents' dates
+ * of birth make the booking eligible.
+ *
+ * This is deliberately a derived predicate rather than a one-time event: it stays true
+ * for as long as the applicant can still act on it and disappears by itself once they
+ * switch to a family insurance, deliberately pick something else while eligible, or the
+ * constellation stops qualifying.
+ */
+class FamilyInsuranceAvailabilityChecker
+{
+    public function __construct(
+        private readonly InsuranceManager $insuranceService,
+        private readonly BookingPriceCalculator $priceCalculatorService,
+    ) {
+    }
+
+    /**
+     * Whether the applicant should be pointed at a family insurance they cannot have
+     * chosen earlier.
+     *
+     * Requires `applicantInsuranceChosenWhileFamilyIneligible` - i.e. the standing choice
+     * was actually made before family insurance was possible - so an applicant who was
+     * offered a family insurance and picked something else is not nagged about it.
+     */
+    public function isFamilyInsuranceUpgradeAvailable(BookingDto $bookingDto): bool
+    {
+        if (false === $bookingDto->applicantInsuranceChosenWhileFamilyIneligible) {
+            return false;
+        }
+
+        $applicant = $bookingDto->getParticipant(0);
+
+        if (null === $applicant || null === $applicant->insurance || true === $applicant->insurance->familyInsurance) {
+            return false;
+        }
+
+        return $this->hasEligibleFamilyInsurance($bookingDto);
+    }
+
+    /**
+     * Checks whether a family insurance is actually eligible right now - not just whether
+     * the participant composition qualifies as a family booking, but whether a selectable
+     * family insurance product actually matches the current total booking price.
+     */
+    public function hasEligibleFamilyInsurance(BookingDto $bookingDto): bool
+    {
+        if (false === $bookingDto->isFamilyBooking()) {
+            return false;
+        }
+
+        $applicant = $bookingDto->getParticipant(0);
+        if (null === $applicant) {
+            return false;
+        }
+
+        $selectableInsurances = $this->insuranceService->getSelectableInsurances($bookingDto->travel);
+        $familyInsurances = array_values(array_filter($selectableInsurances, static fn (Insurance $i) => true === $i->familyInsurance));
+
+        if ([] === $familyInsurances) {
+            return false;
+        }
+
+        $totalPrice = $this->priceCalculatorService->calculateTotalBookingPriceExcludingInsurance($bookingDto);
+
+        return [] !== $this->insuranceService->getEligibleInsurances($familyInsurances, $applicant, $bookingDto, $totalPrice);
+    }
+}

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;

templates/_partials/_flashes.html.twig

@@ -28,3 +28,13 @@
         {% endblock %}
     {% endembed %}
 {% endif %}
+{% if app.session.flashBag.peek('warning')|length > 0 %}
+    {% embed '_partials/_modal.html.twig' with { 'level': 'warning', 'modal': true } %}
+        {% block title %}
+            Hinweis
+        {% endblock %}
+        {% block content %}
+            {% include '_partials/_alert.html.twig' with { level: 'warning', messages: app.flashes('warning') } %}
+        {% endblock %}
+    {% endembed %}
+{% endif %}

templates/_partials/_modal.html.twig

@@ -1,9 +1,9 @@
 <div class="fixed inset-0 w-full h-full z-50" {{ stimulus_controller('modal') }} {{ stimulus_action('modal', 'close', 'modal-close@window') }}>
     <div class="absolute inset-0 backdrop-blur-sm" {{ stimulus_action('modal', 'close', 'click') }}></div>
     <div class="absolute top-1/2 left-1/2 transform -translate-x-1/2 -translate-y-1/2 px-4 w-full max-w-3xl">
-        <div class="{{ html_classes('relative py-4 rounded-md', { 'bg-red-500': level == 'error', 'bg-green-500': level == 'success', 'bg-primary-light': level == 'info' }) }}">
+        <div class="{{ html_classes('relative py-4 rounded-md', { 'bg-red-500': level == 'error', 'bg-green-500': level == 'success', 'bg-yellow-500': level == 'warning', 'bg-primary-light': level == 'info' }) }}">
             <div class="flex justify-between pb-4 px-4">
-                <div class="text-2xl font-medium text-white">
+                <div class="{{ html_classes('text-2xl font-medium', { 'text-gray-800': level == 'warning', 'text-white': level != 'warning' }) }}">
                     {% block title %}{% endblock %}
                 </div>
                 <button type="button"

templates/booking/_participant_card.html.twig

@@ -4,6 +4,7 @@
 {% set isSubmitted = isSubmitted|default(false) %}
 {% set needsAttention = needsAttention|default(false) %}
 {% set attentionLabels = attentionLabels|default([]) %}
+{% set hintLabel = hintLabel|default(null) %}
 {% set mode = mode|default('create') %}
 
 {# Determine display states #}
@@ -75,6 +76,13 @@
                     {% endif %}
                 </div>
             {% endif %}
+            {# Additive informational hint - unlike attentionLabels this does not replace the
+               room/price line and is not styled as something the participant got wrong #}
+            {% if hintLabel and not isCanceled %}
+                <div class="mt-2 text-sm font-medium text-primary-light" {{ qa_attribute('participant-hint', index) }}>
+                    {{ hintLabel }}
+                </div>
+            {% endif %}
         </div>
         <div class="flex flex-col justify-center">
             {% if not isCanceled %}

templates/booking/_participant_form.html.twig

@@ -493,9 +493,15 @@
 
             {# Insurance field OR assigned insurance display for dependent participants (create mode) #}
             {% else %}
-                {% set showBulkInsurance = participantIndex > 0 and bookingDto.participants[0].bulkInsuranceBooking %}
+                {# Dependents get the applicant's read-only insurance display instead of their own choice
+                   when bulk insurance booking is active, or when the applicant selected a family
+                   insurance (which always covers the whole family, regardless of the bulk checkbox) #}
+                {% set showApplicantInsurance = participantIndex > 0 and (
+                    bookingDto.participants[0].bulkInsuranceBooking
+                    or (bookingDto.participants[0].insurance and bookingDto.participants[0].insurance.familyInsurance)
+                ) %}
 
-                {% if showBulkInsurance %}
+                {% if showApplicantInsurance %}
                     {% set applicantInsurance = bookingDto.participants[0].insurance %}
                     <div class="pb-4">
                         <fieldset class="border border-primary-bg">
@@ -545,6 +551,15 @@
                     </div>
                 {% else %}
                     <div class="pb-4">
+                        {# The applicant has to choose an insurance before the dependents' dates of birth
+                           are known, so a family insurance cannot be offered at that point. Once the
+                           constellation qualifies, this standing hint points them back at the option. #}
+                        {% if participantIndex == 0 and bookingCreateContext is defined and bookingCreateContext.familyInsuranceUpgradeAvailable %}
+                            {% include '_partials/_alert.html.twig' with {
+                                level: 'info',
+                                messages: ['Für eure Konstellation ist auch eine Familienversicherung verfügbar und kann über die anmeldende Person gebucht werden.']
+                            } %}
+                        {% endif %}
                         <fieldset class="border border-primary-bg">
                             <legend class="{{ html_classes('w-full bg-primary-bg p-2 font-semibold uppercase', { 'text-red-500': form.insurance is defined and not form.insurance.vars.valid }) }}">
                                 Reiseversicherung*

templates/booking/create/step_2.html.twig

@@ -51,7 +51,10 @@
                                     'index': loop.index0,
                                     'participantNumber': loop.index,
                                     'mode': 'create',
-                                    'isSubmitted': bookingCreateContext.isSubmitted
+                                    'isSubmitted': bookingCreateContext.isSubmitted,
+                                    'hintLabel': loop.index0 == 0 and bookingCreateContext.familyInsuranceUpgradeAvailable
+                                        ? 'Familienversicherung möglich - jetzt wechseln'
+                                        : null
                                 } %}
                             {% endfor %}
                         </div>

tests/BusProNet/DataProcessor/BookingDataProcessorTest.php

@@ -13,6 +13,7 @@ use App\BusProNet\Model\Address;
 use App\BusProNet\Model\BankAccount;
 use App\BusProNet\Model\Booking;
 use App\BusProNet\Model\Communication;
+use App\BusProNet\Model\Insurance;
 use App\BusProNet\Model\PersonalData;
 use App\BusProNet\Model\Pickup;
 use App\BusProNet\Model\Room;
@@ -822,4 +823,257 @@ class BookingDataProcessorTest extends TestCase
 
         return $participant;
     }
+
+    /**
+     * Regression: family insurance covers the whole family under a single policy on the
+     * applicant, so dependents must never keep their own insurance selection - even when
+     * the applicant never checked the "book for everyone" (bulkInsuranceBooking) box.
+     */
+    public function testFamilyInsuranceClearsDependentInsuranceWithoutBulkCheckbox(): void
+    {
+        $familyInsurance = new Insurance();
+        $familyInsurance->id = 'family-1';
+        $familyInsurance->familyInsurance = true;
+
+        $applicant = $this->createMockParticipantDto(0, 'F');
+        $applicant->bulkInsuranceBooking = false;
+        $applicant->insurance = $familyInsurance;
+
+        $dependentInsurance = new Insurance();
+        $dependentInsurance->id = 'dependent-own-1';
+        $dependentInsurance->familyInsurance = false;
+
+        $dependent = $this->createMockParticipantDto(1, 'F');
+        $dependent->insurance = $dependentInsurance;
+
+        $bookingDto = new BookingDto($this->createMockTravel(), 1);
+        $bookingDto->participants = [$applicant, $dependent];
+
+        $insuranceService = $this->createMock(InsuranceManager::class);
+        // Both insurances must already look eligible, otherwise the submit-time
+        // reconciliation step (added for stale-insurance re-validation) would clear
+        // them before propagation even runs - this test is only about propagation.
+        $insuranceService->method('getSelectableInsurances')->willReturn([$familyInsurance, $dependentInsurance]);
+        $insuranceService->method('getEligibleInsurances')->willReturnCallback(
+            fn (array $insurances) => $insurances
+        );
+        $insuranceService->method('batchAssignInsuranceToParticipants')->willReturn([
+            0 => $familyInsurance,
+            1 => null,
+        ]);
+
+        $priceCalculatorService = $this->createMock(BookingPriceCalculator::class);
+        $priceCalculatorService->method('calculateIndividualParticipantPriceExcludingInsurance')->willReturn(0.0);
+        $priceCalculatorService->method('resolveInsuranceTravelPrice')->willReturn(0.0);
+
+        $payloadBuilder = $this->createMock(BookingPayloadBuilder::class);
+        $payloadBuilder->method('buildCreatePayload')->willReturn([]);
+
+        $processor = new BookingDataProcessor(
+            $insuranceService,
+            $priceCalculatorService,
+            new ServiceMappingCollector(),
+            new ParticipantServiceProcessor(new NullLogger()),
+            $payloadBuilder,
+            new PersonalDataSynchronizer(),
+        );
+
+        $processor->createBookingRequestPayload($bookingDto, 'ANFRAGE');
+
+        $this->assertSame($familyInsurance, $bookingDto->participants[0]->insurance);
+        $this->assertNull($bookingDto->participants[1]->insurance, 'Dependent must lose their own insurance once the applicant selects family insurance');
+    }
+
+    /**
+     * Regression: the edit-mode guard that protects an individually-locked non-family
+     * insurance from being overwritten must not also block clearing a dependent's
+     * pre-existing insurance when the applicant switches to family insurance.
+     */
+    public function testFamilyInsuranceClearsDependentInsuranceInEditMode(): void
+    {
+        $familyInsurance = new Insurance();
+        $familyInsurance->id = 'family-1';
+        $familyInsurance->familyInsurance = true;
+
+        $formData = $this->createCompleteFormData();
+
+        $applicant = $formData->participants[0];
+        $applicant->bulkInsuranceBooking = false;
+        $applicant->insurance = $familyInsurance;
+
+        $dependentInsurance = new Insurance();
+        $dependentInsurance->id = 'dependent-own-1';
+        $dependentInsurance->familyInsurance = false;
+
+        $dependent = $formData->participants[1];
+        $dependent->insurance = $dependentInsurance;
+
+        $insuranceService = $this->createMock(InsuranceManager::class);
+        $insuranceService->method('getSelectableInsurances')->willReturn([]);
+        $insuranceService->method('batchAssignInsuranceToParticipants')->willReturn([
+            0 => $familyInsurance,
+            1 => null,
+        ]);
+
+        $priceCalculatorService = $this->createMock(BookingPriceCalculator::class);
+        $priceCalculatorService->method('calculateIndividualParticipantPriceExcludingInsurance')->willReturn(0.0);
+
+        $processor = new BookingDataProcessor(
+            $insuranceService,
+            $priceCalculatorService,
+            new ServiceMappingCollector(),
+            new ParticipantServiceProcessor(new NullLogger()),
+            new BookingPayloadBuilder(new ServiceMappingCollector()),
+            new PersonalDataSynchronizer(),
+        );
+
+        $processor->createUpdateRequestPayload($formData);
+
+        $this->assertSame($familyInsurance, $formData->participants[0]->insurance);
+        $this->assertNull($formData->participants[1]->insurance, 'Dependent must lose their pre-existing individual insurance in edit mode once the applicant selects family insurance');
+    }
+
+    /**
+     * Regression: an insurance selected earlier can go stale by submission time (e.g. its
+     * price tier no longer matches the current total, because the user added services on an
+     * earlier step after choosing insurance and jumped straight to submission without
+     * revisiting the insurance field). createBookingRequestPayload() must re-validate and
+     * reassign to the correct tier right before the payload is built, so a stale ID never
+     * reaches the BPN API.
+     */
+    public function testCreateBookingRequestPayloadReassignsStaleInsuranceToCurrentPriceTier(): void
+    {
+        $staleInsurance = new Insurance();
+        $staleInsurance->id = 'tier-low';
+        $staleInsurance->familyInsurance = false;
+
+        $correctTierInsurance = new Insurance();
+        $correctTierInsurance->id = 'tier-high';
+        $correctTierInsurance->familyInsurance = false;
+
+        $applicant = $this->createMockParticipantDto(0, 'F');
+        $applicant->insurance = $staleInsurance;
+
+        $bookingDto = new BookingDto($this->createMockTravel(), 1);
+        $bookingDto->participants = [$applicant];
+
+        $insuranceService = $this->createMock(InsuranceManager::class);
+        $insuranceService->method('getSelectableInsurances')->willReturn([$staleInsurance, $correctTierInsurance]);
+        // Only the higher tier is eligible at the current (updated) price.
+        $insuranceService->method('getEligibleInsurances')->willReturn([$correctTierInsurance]);
+        $insuranceService->method('reassignInsuranceForPriceChange')->willReturn($correctTierInsurance);
+        $insuranceService->method('batchAssignInsuranceToParticipants')->willReturn([0 => $correctTierInsurance]);
+
+        $priceCalculatorService = $this->createMock(BookingPriceCalculator::class);
+        $priceCalculatorService->method('calculateIndividualParticipantPriceExcludingInsurance')->willReturn(0.0);
+        $priceCalculatorService->method('resolveInsuranceTravelPrice')->willReturn(2600.0);
+
+        $payloadBuilder = $this->createMock(BookingPayloadBuilder::class);
+        $payloadBuilder->method('buildCreatePayload')->willReturn([]);
+
+        $processor = new BookingDataProcessor(
+            $insuranceService,
+            $priceCalculatorService,
+            new ServiceMappingCollector(),
+            new ParticipantServiceProcessor(new NullLogger()),
+            $payloadBuilder,
+            new PersonalDataSynchronizer(),
+        );
+
+        $processor->createBookingRequestPayload($bookingDto, 'ANFRAGE');
+
+        $this->assertSame($correctTierInsurance, $applicant->insurance);
+        $this->assertCount(1, $applicant->notifications);
+        $this->assertSame('warning', array_values($applicant->notifications)[0]['type']);
+    }
+
+    /**
+     * Regression: when a stale insurance has no eligible replacement at all (e.g. the total
+     * price now falls outside every tier of that type), it must be cleared rather than
+     * silently left in place and submitted anyway.
+     */
+    public function testCreateBookingRequestPayloadClearsStaleInsuranceWithoutEligibleReplacement(): void
+    {
+        $staleInsurance = new Insurance();
+        $staleInsurance->id = 'tier-low';
+        $staleInsurance->familyInsurance = false;
+
+        $applicant = $this->createMockParticipantDto(0, 'F');
+        $applicant->insurance = $staleInsurance;
+
+        $bookingDto = new BookingDto($this->createMockTravel(), 1);
+        $bookingDto->participants = [$applicant];
+
+        $insuranceService = $this->createMock(InsuranceManager::class);
+        $insuranceService->method('getSelectableInsurances')->willReturn([$staleInsurance]);
+        $insuranceService->method('getEligibleInsurances')->willReturn([]);
+        $insuranceService->method('reassignInsuranceForPriceChange')->willReturn(null);
+        $insuranceService->method('batchAssignInsuranceToParticipants')->willReturn([0 => null]);
+
+        $priceCalculatorService = $this->createMock(BookingPriceCalculator::class);
+        $priceCalculatorService->method('calculateIndividualParticipantPriceExcludingInsurance')->willReturn(0.0);
+        $priceCalculatorService->method('resolveInsuranceTravelPrice')->willReturn(9999.0);
+
+        $payloadBuilder = $this->createMock(BookingPayloadBuilder::class);
+        $payloadBuilder->method('buildCreatePayload')->willReturn([]);
+
+        $processor = new BookingDataProcessor(
+            $insuranceService,
+            $priceCalculatorService,
+            new ServiceMappingCollector(),
+            new ParticipantServiceProcessor(new NullLogger()),
+            $payloadBuilder,
+            new PersonalDataSynchronizer(),
+        );
+
+        $processor->createBookingRequestPayload($bookingDto, 'ANFRAGE');
+
+        $this->assertNull($applicant->insurance);
+        $this->assertCount(1, $applicant->notifications);
+        $this->assertSame('warning', array_values($applicant->notifications)[0]['type']);
+    }
+
+    /**
+     * Regression: an insurance that's still eligible at submission time must be left
+     * untouched - the reconciliation step must not fire (or notify) on the common,
+     * unremarkable case where nothing has gone stale.
+     */
+    public function testCreateBookingRequestPayloadLeavesStillEligibleInsuranceUntouched(): void
+    {
+        $insurance = new Insurance();
+        $insurance->id = 'tier-1';
+        $insurance->familyInsurance = false;
+
+        $applicant = $this->createMockParticipantDto(0, 'F');
+        $applicant->insurance = $insurance;
+
+        $bookingDto = new BookingDto($this->createMockTravel(), 1);
+        $bookingDto->participants = [$applicant];
+
+        $insuranceService = $this->createMock(InsuranceManager::class);
+        $insuranceService->method('getSelectableInsurances')->willReturn([$insurance]);
+        $insuranceService->method('getEligibleInsurances')->willReturn([$insurance]);
+        $insuranceService->method('batchAssignInsuranceToParticipants')->willReturn([0 => $insurance]);
+
+        $priceCalculatorService = $this->createMock(BookingPriceCalculator::class);
+        $priceCalculatorService->method('calculateIndividualParticipantPriceExcludingInsurance')->willReturn(0.0);
+        $priceCalculatorService->method('resolveInsuranceTravelPrice')->willReturn(500.0);
+
+        $payloadBuilder = $this->createMock(BookingPayloadBuilder::class);
+        $payloadBuilder->method('buildCreatePayload')->willReturn([]);
+
+        $processor = new BookingDataProcessor(
+            $insuranceService,
+            $priceCalculatorService,
+            new ServiceMappingCollector(),
+            new ParticipantServiceProcessor(new NullLogger()),
+            $payloadBuilder,
+            new PersonalDataSynchronizer(),
+        );
+
+        $processor->createBookingRequestPayload($bookingDto, 'ANFRAGE');
+
+        $this->assertSame($insurance, $applicant->insurance);
+        $this->assertCount(0, $applicant->notifications);
+    }
 }

tests/Form/Model/ParticipantEditDtoTest.php

@@ -728,6 +728,54 @@ class ParticipantEditDtoTest extends TestCase
         $this->assertCount(1, $insuranceViolations);
     }
 
+    public function testDependentWithoutInsurancePassesWhenApplicantHasFamilyInsurance(): void
+    {
+        $applicant = $this->createAdultParticipant('[email protected]');
+        $applicant->insurance = $this->createMockInsurance(familyInsurance: true);
+
+        $dependent = $this->createAdultParticipant('[email protected]');
+        $dependent->insurance = null;
+
+        $bookingDto = $this->createBookingDtoWithParticipants([$applicant, $dependent]);
+
+        $wrapper = new ParticipantEditDto(
+            participant: $bookingDto->participants[1],
+            bookingContext: $bookingDto,
+        );
+
+        $violations = $this->validator->validate($wrapper, null, ['strict_required']);
+        $insuranceViolations = array_filter(
+            iterator_to_array($violations),
+            fn ($v) => 'participant.insurance' === $v->getPropertyPath()
+        );
+
+        $this->assertCount(0, $insuranceViolations);
+    }
+
+    public function testDependentWithoutInsuranceFailsWhenApplicantHasNonFamilyInsurance(): void
+    {
+        $applicant = $this->createAdultParticipant('[email protected]');
+        $applicant->insurance = $this->createMockInsurance(familyInsurance: false);
+
+        $dependent = $this->createAdultParticipant('[email protected]');
+        $dependent->insurance = null;
+
+        $bookingDto = $this->createBookingDtoWithParticipants([$applicant, $dependent]);
+
+        $wrapper = new ParticipantEditDto(
+            participant: $bookingDto->participants[1],
+            bookingContext: $bookingDto,
+        );
+
+        $violations = $this->validator->validate($wrapper, null, ['strict_required']);
+        $insuranceViolations = array_filter(
+            iterator_to_array($violations),
+            fn ($v) => 'participant.insurance' === $v->getPropertyPath()
+        );
+
+        $this->assertCount(1, $insuranceViolations);
+    }
+
     private function createBookingDtoWithParticipants(array $participants): BookingDto
     {
         $travel = new Travel();
@@ -821,12 +869,13 @@ class ParticipantEditDtoTest extends TestCase
         return $service;
     }
 
-    private function createMockInsurance(): Insurance
+    private function createMockInsurance(bool $familyInsurance = false): Insurance
     {
         $insurance = new Insurance();
         $insurance->id = '1';
         $insurance->label = 'Test Insurance';
         $insurance->price = 10.0;
+        $insurance->familyInsurance = $familyInsurance;
 
         return $insurance;
     }

tests/Form/Service/Condition/FamilyInsuranceActiveConditionTest.php

@@ -0,0 +1,112 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Tests\Form\Service\Condition;
+
+use App\BusProNet\Model\Insurance;
+use App\BusProNet\Model\Travel;
+use App\Form\Model\BookingDto;
+use App\Form\Model\ParticipantDto;
+use App\Form\Service\Condition\FamilyInsuranceActiveCondition;
+use PHPUnit\Framework\TestCase;
+
+class FamilyInsuranceActiveConditionTest extends TestCase
+{
+    private FamilyInsuranceActiveCondition $condition;
+
+    protected function setUp(): void
+    {
+        $this->condition = new FamilyInsuranceActiveCondition();
+    }
+
+    public function testAlwaysFalseForApplicant(): void
+    {
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->insurance = $this->createFamilyInsurance();
+
+        $bookingDto = new BookingDto(new Travel(), 1);
+        $bookingDto->participants = [$applicant];
+
+        $result = $this->condition->evaluate($bookingDto, 0, []);
+
+        $this->assertFalse($result, 'Applicant is never affected by their own family insurance selection');
+    }
+
+    public function testTrueForDependentWhenApplicantHasFamilyInsurance(): void
+    {
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->insurance = $this->createFamilyInsurance();
+
+        $dependent = new ParticipantDto();
+        $dependent->index = 1;
+
+        $bookingDto = new BookingDto(new Travel(), 1);
+        $bookingDto->participants = [$applicant, $dependent];
+
+        $result = $this->condition->evaluate($bookingDto, 1, []);
+
+        $this->assertTrue($result, 'Dependent insurance field must be hidden when applicant has family insurance');
+    }
+
+    public function testFalseForDependentWhenApplicantHasNonFamilyInsurance(): void
+    {
+        $nonFamilyInsurance = new Insurance();
+        $nonFamilyInsurance->familyInsurance = false;
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->insurance = $nonFamilyInsurance;
+
+        $dependent = new ParticipantDto();
+        $dependent->index = 1;
+
+        $bookingDto = new BookingDto(new Travel(), 1);
+        $bookingDto->participants = [$applicant, $dependent];
+
+        $result = $this->condition->evaluate($bookingDto, 1, []);
+
+        $this->assertFalse($result, 'Dependent should keep their own insurance choice for non-family insurance');
+    }
+
+    public function testFalseForDependentWhenApplicantHasNoInsurance(): void
+    {
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+
+        $dependent = new ParticipantDto();
+        $dependent->index = 1;
+
+        $bookingDto = new BookingDto(new Travel(), 1);
+        $bookingDto->participants = [$applicant, $dependent];
+
+        $result = $this->condition->evaluate($bookingDto, 1, []);
+
+        $this->assertFalse($result);
+    }
+
+    public function testGetDependentFieldsReturnsInsurance(): void
+    {
+        $result = $this->condition->getDependentFields();
+
+        $this->assertSame(['insurance'], $result);
+    }
+
+    public function testGetDescriptionReturnsString(): void
+    {
+        $result = $this->condition->getDescription();
+
+        $this->assertIsString($result);
+        $this->assertStringContainsString('family insurance', $result);
+    }
+
+    private function createFamilyInsurance(): Insurance
+    {
+        $insurance = new Insurance();
+        $insurance->familyInsurance = true;
+
+        return $insurance;
+    }
+}

tests/Form/Service/CreateFieldStateProviderTest.php

@@ -0,0 +1,71 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Tests\Form\Service;
+
+use App\BusProNet\Model\Insurance;
+use App\BusProNet\Model\Travel;
+use App\Form\Model\BookingDto;
+use App\Form\Model\ParticipantDto;
+use App\Form\Service\CreateFieldStateProvider;
+use App\Service\ParticipantEligibilityChecker;
+use PHPUnit\Framework\TestCase;
+
+/**
+ * Integration-level coverage for cross-participant field-state re-evaluation: proves the
+ * dependent's 'insurance' field state actually flips when the applicant's insurance
+ * selection changes, wiring FamilyInsuranceActiveCondition through the real
+ * CreateFieldStateProvider composition rather than testing the condition in isolation.
+ */
+class CreateFieldStateProviderTest extends TestCase
+{
+    private CreateFieldStateProvider $provider;
+
+    protected function setUp(): void
+    {
+        $this->provider = new CreateFieldStateProvider(new ParticipantEligibilityChecker());
+    }
+
+    public function testDependentInsuranceFieldHidesWhenApplicantSelectsFamilyInsuranceThenReappearsAfterSwitch(): void
+    {
+        $travel = new Travel();
+        $travel->dateFrom = new \DateTimeImmutable('+30 days');
+        $travel->dateTo = new \DateTimeImmutable('+37 days');
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        // Baby age (0-2 years at travel date) is always eligible regardless of skipass availability
+        $applicant->dateOfBirth = $travel->dateFrom->modify('-1 year');
+
+        $dependent = new ParticipantDto();
+        $dependent->index = 1;
+        $dependent->dateOfBirth = $travel->dateFrom->modify('-1 year');
+
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $dependent];
+
+        $this->assertTrue(
+            $this->provider->shouldIncludeField('insurance', $bookingDto, 1),
+            'Dependent should see their own insurance field before the applicant selects family insurance'
+        );
+
+        $familyInsurance = new Insurance();
+        $familyInsurance->familyInsurance = true;
+        $applicant->insurance = $familyInsurance;
+
+        $this->assertFalse(
+            $this->provider->shouldIncludeField('insurance', $bookingDto, 1),
+            'Dependent insurance field must be hidden once the applicant selects family insurance'
+        );
+
+        $nonFamilyInsurance = new Insurance();
+        $nonFamilyInsurance->familyInsurance = false;
+        $applicant->insurance = $nonFamilyInsurance;
+
+        $this->assertTrue(
+            $this->provider->shouldIncludeField('insurance', $bookingDto, 1),
+            'Dependent insurance field must reappear once the applicant switches away from family insurance'
+        );
+    }
+}

tests/Form/Service/ParticipantFieldOptionsProviderInsuranceTest.php

@@ -0,0 +1,137 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Tests\Form\Service;
+
+use App\BusProNet\Model\Insurance;
+use App\BusProNet\Model\Travel;
+use App\Form\Model\BookingDto;
+use App\Form\Model\ParticipantDto;
+use App\Form\Service\ParticipantFieldOptionsProvider;
+use App\Service\BookingPriceCalculator;
+use App\Service\InsuranceManager;
+use App\Service\ServiceAvailabilityCalculator;
+use App\Service\ServiceLabelFormatter;
+use PHPUnit\Framework\TestCase;
+use Symfony\Contracts\Translation\TranslatorInterface;
+
+/**
+ * Regression tests for the family-insurance choices-list bug: the applicant selects a
+ * family insurance, it's correctly reassigned to the total-price tier on submit, but
+ * the re-rendered form showed no selection because the choices list was still filtered
+ * by the applicant's individual price instead of the total booking price.
+ */
+class ParticipantFieldOptionsProviderInsuranceTest extends TestCase
+{
+    private ParticipantFieldOptionsProvider $provider;
+    private BookingPriceCalculator $priceCalculatorService;
+
+    protected function setUp(): void
+    {
+        $serviceAvailabilityCalculator = $this->createMock(ServiceAvailabilityCalculator::class);
+        // InsuranceManager is stateless - use the real implementation so actual
+        // eligibility/price-tier filtering runs, not a stubbed-out mock.
+        $insuranceService = new InsuranceManager();
+        $this->priceCalculatorService = $this->createMock(BookingPriceCalculator::class);
+        $serviceLabelFormatter = new ServiceLabelFormatter();
+        $translator = $this->createMock(TranslatorInterface::class);
+        $translator->method('trans')->willReturnCallback(fn (string $message) => $message);
+
+        $this->provider = new ParticipantFieldOptionsProvider(
+            $serviceAvailabilityCalculator,
+            $insuranceService,
+            $this->priceCalculatorService,
+            $serviceLabelFormatter,
+            $translator
+        );
+    }
+
+    public function testFamilyInsuranceCorrectTierAppearsInApplicantChoicesUsingTotalPrice(): void
+    {
+        $travel = new Travel();
+        $travel->dateFrom = new \DateTimeImmutable('2025-08-01');
+        $travel->dateTo = new \DateTimeImmutable('2025-08-08');
+
+        // Low tier only matches the applicant's individual price (300), not the total (450)
+        $lowTierFamilyInsurance = new Insurance();
+        $lowTierFamilyInsurance->id = '1';
+        $lowTierFamilyInsurance->label = 'Reise-Rücktritt Familie';
+        $lowTierFamilyInsurance->familyInsurance = true;
+        $lowTierFamilyInsurance->travelPriceFrom = 0.0;
+        $lowTierFamilyInsurance->travelPriceTo = 400.0;
+
+        // Correct tier matches the total booking price (450), not the applicant's individual price (300)
+        $correctTierFamilyInsurance = new Insurance();
+        $correctTierFamilyInsurance->id = '2';
+        $correctTierFamilyInsurance->label = 'Reise-Rücktritt Familie';
+        $correctTierFamilyInsurance->familyInsurance = true;
+        $correctTierFamilyInsurance->travelPriceFrom = 400.01;
+        $correctTierFamilyInsurance->travelPriceTo = 600.0;
+
+        $travel->insurances = [$lowTierFamilyInsurance, $correctTierFamilyInsurance];
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->dateOfBirth = new \DateTimeImmutable('1990-06-15');
+
+        $child = new ParticipantDto();
+        $child->index = 1;
+        $child->dateOfBirth = new \DateTimeImmutable('2015-01-01');
+
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $child];
+
+        $this->priceCalculatorService
+            ->method('calculateIndividualParticipantPriceExcludingInsurance')
+            ->willReturn(300.0);
+        $this->priceCalculatorService
+            ->method('calculateTotalBookingPriceExcludingInsurance')
+            ->willReturn(450.0);
+
+        $options = $this->provider->getFieldOptions('insurance', $bookingDto, 0);
+
+        $choiceIds = array_map(fn (Insurance $insurance) => $insurance->id, $options['choices']);
+
+        $this->assertContains('2', $choiceIds, 'Family insurance tier matching the total booking price must be selectable');
+        $this->assertNotContains('1', $choiceIds, 'Family insurance tier that only matches the individual price must not be selectable');
+    }
+
+    public function testFamilyInsuranceNeverAppearsInDependentChoices(): void
+    {
+        $travel = new Travel();
+        $travel->dateFrom = new \DateTimeImmutable('2025-08-01');
+        $travel->dateTo = new \DateTimeImmutable('2025-08-08');
+
+        $familyInsurance = new Insurance();
+        $familyInsurance->id = '1';
+        $familyInsurance->label = 'Reise-Rücktritt Familie';
+        $familyInsurance->familyInsurance = true;
+
+        $travel->insurances = [$familyInsurance];
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->dateOfBirth = new \DateTimeImmutable('1990-06-15');
+
+        $child = new ParticipantDto();
+        $child->index = 1;
+        $child->dateOfBirth = new \DateTimeImmutable('2015-01-01');
+
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $child];
+
+        $this->priceCalculatorService
+            ->method('calculateIndividualParticipantPriceExcludingInsurance')
+            ->willReturn(0.0);
+        $this->priceCalculatorService
+            ->method('calculateTotalBookingPriceExcludingInsurance')
+            ->willReturn(450.0);
+
+        $options = $this->provider->getFieldOptions('insurance', $bookingDto, 1);
+
+        $choiceIds = array_map(fn (Insurance $insurance) => $insurance->id, $options['choices']);
+
+        $this->assertNotContains('1', $choiceIds, 'Family insurance must never be selectable for a non-applicant participant');
+    }
+}

tests/Form/Service/ParticipantInsuranceFieldHandlerTest.php

@@ -10,6 +10,7 @@ use App\Form\Model\BookingDto;
 use App\Form\Model\ParticipantDto;
 use App\Form\Service\ParticipantInsuranceFieldHandler;
 use App\Service\BookingPriceCalculator;
+use App\Service\FamilyInsuranceAvailabilityChecker;
 use App\Service\InsuranceManager;
 use PHPUnit\Framework\TestCase;
 
@@ -31,8 +32,16 @@ class ParticipantInsuranceFieldHandlerTest extends TestCase
         // Mock price calculator to return a default price
         $this->priceCalculatorService->method('calculateIndividualParticipantPriceExcludingInsurance')
             ->willReturn(500.0);
+        $this->priceCalculatorService->method('resolveInsuranceTravelPrice')
+            ->willReturn(500.0);
 
-        $this->handler = new ParticipantInsuranceFieldHandler($this->insuranceService, $this->priceCalculatorService);
+        // Real checker over the mocked collaborators - the selection-time recording below is
+        // only meaningful against the actual "is a family insurance available" definition
+        $this->handler = new ParticipantInsuranceFieldHandler(
+            $this->insuranceService,
+            $this->priceCalculatorService,
+            new FamilyInsuranceAvailabilityChecker($this->insuranceService, $this->priceCalculatorService),
+        );
     }
 
     public function testGetFieldName(): void
@@ -196,6 +205,36 @@ class ParticipantInsuranceFieldHandlerTest extends TestCase
         $this->assertNull($participant->insurance);
     }
 
+    public function testProcessFieldSwitchingToNewInsuranceIsNotOverwrittenByStaleResubmissionCheck(): void
+    {
+        // Regression: switching from one already-selected insurance to a different one must
+        // not be re-validated (and potentially overwritten) against the OLD, now-stale
+        // insurance by the "form resubmission" block afterward.
+        $oldInsurance = $this->createInsurance('1');
+        $newInsurance = $this->createInsurance('2');
+
+        $participant = new ParticipantDto();
+        $participant->insurance = $oldInsurance;
+
+        $travel = new Travel();
+        $travel->insurances = [$oldInsurance, $newInsurance];
+
+        $bookingDto = $this->createMockBookingDto();
+        $bookingDto->method('getParticipant')->with(0)->willReturn($participant);
+        $bookingDto->travel = $travel;
+
+        // Only the NEW insurance is ever eligible - the old one would fail re-validation
+        // if the (buggy) resubmission block ran a second time after this new selection.
+        $this->insuranceService
+            ->expects($this->once())
+            ->method('getEligibleInsurances')
+            ->willReturn([$newInsurance]);
+
+        $this->handler->processField(['insurance' => '2'], $bookingDto, 0);
+
+        $this->assertSame($newInsurance, $participant->insurance);
+    }
+
     public function testProcessFieldWorksWithStringAndIntegerIds(): void
     {
         $insurance = $this->createInsurance(123); // Integer ID
@@ -247,6 +286,117 @@ class ParticipantInsuranceFieldHandlerTest extends TestCase
         $this->assertNull($participant->insurance);
     }
 
+    public function testProcessFieldRecordsIneligibilityWhenApplicantSelectsInsuranceBeforeFamilyEligible(): void
+    {
+        $nonFamilyInsurance = $this->createInsurance('1');
+        $nonFamilyInsurance->familyInsurance = false;
+
+        $travel = new Travel();
+        $travel->dateFrom = new \DateTimeImmutable('2025-08-01');
+        $travel->dateTo = new \DateTimeImmutable('2025-08-08');
+        $travel->insurances = [$nonFamilyInsurance];
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->dateOfBirth = new \DateTimeImmutable('1990-06-15');
+
+        // No dependents yet - not (and cannot be) a family booking at selection time
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant];
+
+        $this->insuranceService->method('getEligibleInsurances')->willReturn([$nonFamilyInsurance]);
+
+        $this->handler->processField(['insurance' => '1'], $bookingDto, 0);
+
+        $this->assertTrue(
+            $bookingDto->applicantInsuranceChosenWhileFamilyIneligible,
+            'Choosing non-family insurance while ineligible must be recorded so a later hint is justified'
+        );
+    }
+
+    public function testProcessFieldDoesNotRecordIneligibilityWhenApplicantSelectsInsuranceWhileAlreadyFamilyEligible(): void
+    {
+        $nonFamilyInsurance = $this->createInsurance('1');
+        $nonFamilyInsurance->familyInsurance = false;
+
+        $familyInsurance = $this->createInsurance('2');
+        $familyInsurance->familyInsurance = true;
+
+        $travel = new Travel();
+        $travel->dateFrom = new \DateTimeImmutable('2025-08-01');
+        $travel->dateTo = new \DateTimeImmutable('2025-08-08');
+        $travel->insurances = [$nonFamilyInsurance, $familyInsurance];
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->dateOfBirth = new \DateTimeImmutable('1990-06-15');
+
+        $child = new ParticipantDto();
+        $child->index = 1;
+        $child->dateOfBirth = new \DateTimeImmutable('2015-01-01');
+
+        // Dependent's date of birth is already known, and a family insurance product is
+        // actually eligible at the current price - family insurance was genuinely
+        // available at the moment the applicant deliberately chose a non-family insurance.
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $child];
+
+        $this->priceCalculatorService->method('calculateTotalBookingPriceExcludingInsurance')->willReturn(500.0);
+        $this->insuranceService->method('getEligibleInsurances')->willReturnCallback(
+            fn (array $insurances) => $insurances
+        );
+
+        $this->handler->processField(['insurance' => '1'], $bookingDto, 0);
+
+        $this->assertFalse(
+            $bookingDto->applicantInsuranceChosenWhileFamilyIneligible,
+            'Must not claim family insurance "just became available" when it was already eligible at selection time'
+        );
+    }
+
+    public function testProcessFieldRecordsIneligibilityWhenFamilyCompositionExistsButNoPriceTierMatches(): void
+    {
+        // Regression: family composition (adult + child) alone isn't enough - a family
+        // insurance product must actually match the current total price for it to count
+        // as "eligible". If it doesn't, the applicant's choice was genuinely made while
+        // family insurance was NOT selectable, even though isFamilyBooking() is already true.
+        $nonFamilyInsurance = $this->createInsurance('1');
+        $nonFamilyInsurance->familyInsurance = false;
+
+        $familyInsurance = $this->createInsurance('2');
+        $familyInsurance->familyInsurance = true;
+
+        $travel = new Travel();
+        $travel->dateFrom = new \DateTimeImmutable('2025-08-01');
+        $travel->dateTo = new \DateTimeImmutable('2025-08-08');
+        $travel->insurances = [$nonFamilyInsurance, $familyInsurance];
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->dateOfBirth = new \DateTimeImmutable('1990-06-15');
+
+        $child = new ParticipantDto();
+        $child->index = 1;
+        $child->dateOfBirth = new \DateTimeImmutable('2015-01-01');
+
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $child];
+
+        $this->priceCalculatorService->method('calculateTotalBookingPriceExcludingInsurance')->willReturn(500.0);
+        $this->insuranceService->method('getEligibleInsurances')->willReturnCallback(
+            // No family insurance matches the current price tier, even though the
+            // participant composition already qualifies as a family booking.
+            fn (array $insurances) => array_values(array_filter($insurances, fn ($i) => false === $i->familyInsurance))
+        );
+
+        $this->handler->processField(['insurance' => '1'], $bookingDto, 0);
+
+        $this->assertTrue(
+            $bookingDto->applicantInsuranceChosenWhileFamilyIneligible,
+            'Family composition alone must not count as eligible - no family insurance actually matched the price'
+        );
+    }
+
     public function testGetFieldStateModificationsReturnsEmptyArray(): void
     {
         $bookingDto = $this->createMockBookingDto();

tests/Service/BookingCreateContextFactoryTest.php

@@ -14,6 +14,7 @@ use App\Form\Model\ParticipantCardPriceDto;
 use App\Service\BookingCreateContextFactory;
 use App\Service\BookingPriceCalculator;
 use App\Service\BookingSummaryAssembler;
+use App\Service\FamilyInsuranceAvailabilityChecker;
 use App\Service\ParticipantCardAssembler;
 use App\Service\RoomPricingCalculator;
 use PHPUnit\Framework\TestCase;
@@ -62,10 +63,14 @@ class BookingCreateContextFactoryTest extends TestCase
         $priceCalculator->expects($this->never())
             ->method('calculateAllParticipantIndividualPrices');
 
+        $familyInsuranceService = $this->createMock(FamilyInsuranceAvailabilityChecker::class);
+        $familyInsuranceService->method('isFamilyInsuranceUpgradeAvailable')->willReturn(true);
+
         $service = new BookingCreateContextFactory(
             $participantCardDataService,
             $summaryDataService,
             $priceCalculator,
+            $familyInsuranceService,
         );
 
         $context = $service->create($bookingDto, RoomPricingCalculator::PRICING_MODE_SELECTION);
@@ -73,6 +78,7 @@ class BookingCreateContextFactoryTest extends TestCase
         $this->assertInstanceOf(BookingCreateContext::class, $context);
         $this->assertSame($bookingDto, $context->bookingDto);
         $this->assertSame($summaryData, $context->summaryData);
+        $this->assertTrue($context->familyInsuranceUpgradeAvailable);
         $this->assertNull($context->cardsData);
         $this->assertFalse($context->isSubmitted);
         $this->assertSame([11 => $roomByPax], $context->groupedRooms->byPax);
@@ -120,10 +126,14 @@ class BookingCreateContextFactoryTest extends TestCase
         $priceCalculator->expects($this->never())
             ->method('calculateAllParticipantIndividualPrices');
 
+        $familyInsuranceService = $this->createMock(FamilyInsuranceAvailabilityChecker::class);
+        $familyInsuranceService->method('isFamilyInsuranceUpgradeAvailable')->willReturn(true);
+
         $service = new BookingCreateContextFactory(
             $participantCardDataService,
             $summaryDataService,
             $priceCalculator,
+            $familyInsuranceService,
         );
 
         $context = $service->createWithParticipantCards($bookingDto, true);
@@ -131,6 +141,7 @@ class BookingCreateContextFactoryTest extends TestCase
         $this->assertInstanceOf(BookingCreateContext::class, $context);
         $this->assertSame([$cardData], $context->cardsData);
         $this->assertTrue($context->isSubmitted);
+        $this->assertTrue($context->familyInsuranceUpgradeAvailable);
         $this->assertSame([], $context->groupedRooms->byPax);
         $this->assertSame([10 => $room], $context->groupedRooms->byRoom);
     }
@@ -169,16 +180,21 @@ class BookingCreateContextFactoryTest extends TestCase
             ->with($bookingDto)
             ->willReturn([123.45]);
 
+        $familyInsuranceService = $this->createMock(FamilyInsuranceAvailabilityChecker::class);
+        $familyInsuranceService->method('isFamilyInsuranceUpgradeAvailable')->willReturn(true);
+
         $service = new BookingCreateContextFactory(
             $participantCardDataService,
             $summaryDataService,
             $priceCalculator,
+            $familyInsuranceService,
         );
 
         $context = $service->createWithParticipantPrices($bookingDto);
 
         $this->assertInstanceOf(BookingCreateContext::class, $context);
         $this->assertSame([123.45], $context->participantPrices);
+        $this->assertTrue($context->familyInsuranceUpgradeAvailable);
         $this->assertNull($context->cardsData);
         $this->assertSame([10 => $room], $context->groupedRooms->byRoom);
     }

tests/Service/BookingPriceCalculatorTest.php

@@ -252,4 +252,86 @@ class BookingPriceCalculatorTest extends TestCase
             'calculateServiceTotal() must agree with the display breakdown on bulk-insurance bookings'
         );
     }
+
+    public function testResolveInsuranceTravelPriceUsesIndividualPriceForNonFamilyInsurance(): void
+    {
+        $skiPass = new Service();
+        $skiPass->price = 50.0;
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->skiPass = $skiPass;
+
+        $dependent = new ParticipantDto();
+        $dependent->index = 1;
+
+        $travel = new Travel();
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $dependent];
+
+        $nonFamilyInsurance = new Insurance();
+        $nonFamilyInsurance->familyInsurance = false;
+
+        $result = $this->service->resolveInsuranceTravelPrice($bookingDto, 0, $nonFamilyInsurance);
+
+        $this->assertEquals(50.0, $result);
+    }
+
+    public function testResolveInsuranceTravelPriceUsesTotalPriceForFamilyInsuranceOnApplicant(): void
+    {
+        $applicantSkiPass = new Service();
+        $applicantSkiPass->price = 50.0;
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->skiPass = $applicantSkiPass;
+
+        $dependentSkiPass = new Service();
+        $dependentSkiPass->price = 30.0;
+
+        $dependent = new ParticipantDto();
+        $dependent->index = 1;
+        $dependent->skiPass = $dependentSkiPass;
+
+        $travel = new Travel();
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $dependent];
+
+        $familyInsurance = new Insurance();
+        $familyInsurance->familyInsurance = true;
+
+        $result = $this->service->resolveInsuranceTravelPrice($bookingDto, 0, $familyInsurance);
+
+        $this->assertEquals(80.0, $result);
+    }
+
+    public function testResolveInsuranceTravelPriceUsesTotalPriceForFamilyInsuranceRegardlessOfParticipantIndex(): void
+    {
+        // Family insurances are restricted to the applicant by InsuranceManager's eligibility
+        // constraints, not by this method - it always resolves the total price for them.
+        $applicantSkiPass = new Service();
+        $applicantSkiPass->price = 50.0;
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->skiPass = $applicantSkiPass;
+
+        $dependentSkiPass = new Service();
+        $dependentSkiPass->price = 30.0;
+
+        $dependent = new ParticipantDto();
+        $dependent->index = 1;
+        $dependent->skiPass = $dependentSkiPass;
+
+        $travel = new Travel();
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $dependent];
+
+        $familyInsurance = new Insurance();
+        $familyInsurance->familyInsurance = true;
+
+        $result = $this->service->resolveInsuranceTravelPrice($bookingDto, 1, $familyInsurance);
+
+        $this->assertEquals(80.0, $result);
+    }
 }

tests/Service/FamilyInsuranceAvailabilityCheckerTest.php

@@ -0,0 +1,170 @@
+<?php
+
+declare(strict_types=1);
+
+namespace App\Tests\Service;
+
+use App\BusProNet\Model\Insurance;
+use App\BusProNet\Model\Travel;
+use App\Form\Model\BookingDto;
+use App\Form\Model\ParticipantDto;
+use App\Service\BookingPriceCalculator;
+use App\Service\FamilyInsuranceAvailabilityChecker;
+use App\Service\InsuranceManager;
+use PHPUnit\Framework\TestCase;
+
+class FamilyInsuranceAvailabilityCheckerTest extends TestCase
+{
+    private FamilyInsuranceAvailabilityChecker $checker;
+    private InsuranceManager $insuranceService;
+    private BookingPriceCalculator $priceCalculatorService;
+
+    protected function setUp(): void
+    {
+        $this->insuranceService = $this->createMock(InsuranceManager::class);
+        $this->priceCalculatorService = $this->createMock(BookingPriceCalculator::class);
+
+        $this->insuranceService->method('getSelectableInsurances')
+            ->willReturnCallback(fn (Travel $travel) => $travel->insurances ?? []);
+
+        $this->priceCalculatorService->method('calculateTotalBookingPriceExcludingInsurance')
+            ->willReturn(500.0);
+
+        $this->checker = new FamilyInsuranceAvailabilityChecker($this->insuranceService, $this->priceCalculatorService);
+    }
+
+    public function testUpgradeIsAvailableWhenFamilyBecameEligibleAfterTheApplicantChose(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+
+        $this->allowAllInsurancesAsEligible();
+
+        $this->assertTrue($this->checker->isFamilyInsuranceUpgradeAvailable($bookingDto));
+    }
+
+    public function testUpgradeIsNotAvailableWhenTheApplicantChoseWhileFamilyWasAlreadyEligible(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $bookingDto->applicantInsuranceChosenWhileFamilyIneligible = false;
+
+        $this->allowAllInsurancesAsEligible();
+
+        $this->assertFalse(
+            $this->checker->isFamilyInsuranceUpgradeAvailable($bookingDto),
+            'An applicant who was offered family insurance and picked something else must not be nagged'
+        );
+    }
+
+    public function testUpgradeIsNotAvailableWhenApplicantHasNoInsuranceYet(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $bookingDto->getParticipant(0)->insurance = null;
+
+        $this->allowAllInsurancesAsEligible();
+
+        $this->assertFalse($this->checker->isFamilyInsuranceUpgradeAvailable($bookingDto));
+    }
+
+    public function testUpgradeIsNotAvailableWhenApplicantAlreadyHasFamilyInsurance(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $familyInsurance = $this->createInsurance('2');
+        $familyInsurance->familyInsurance = true;
+        $bookingDto->getParticipant(0)->insurance = $familyInsurance;
+
+        $this->allowAllInsurancesAsEligible();
+
+        $this->assertFalse($this->checker->isFamilyInsuranceUpgradeAvailable($bookingDto));
+    }
+
+    public function testUpgradeIsNotAvailableWhenNoFamilyInsuranceProductExists(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $bookingDto->travel->insurances = array_values(array_filter(
+            $bookingDto->travel->insurances,
+            static fn (Insurance $i) => false === $i->familyInsurance
+        ));
+
+        $this->allowAllInsurancesAsEligible();
+
+        $this->assertFalse($this->checker->isFamilyInsuranceUpgradeAvailable($bookingDto));
+    }
+
+    public function testUpgradeIsNotAvailableWhenNoFamilyPriceTierMatches(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+
+        // Family composition qualifies, but no family insurance matches the total price
+        $this->insuranceService->method('getEligibleInsurances')->willReturn([]);
+
+        $this->assertFalse($this->checker->isFamilyInsuranceUpgradeAvailable($bookingDto));
+    }
+
+    public function testUpgradeIsNotAvailableWhenTheBookingIsNotAFamilyBooking(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        // Dependent is an adult - no children left, so the constellation no longer qualifies
+        $bookingDto->getParticipant(1)->dateOfBirth = new \DateTimeImmutable('1992-01-01');
+
+        $this->allowAllInsurancesAsEligible();
+
+        $this->assertFalse($this->checker->isFamilyInsuranceUpgradeAvailable($bookingDto));
+    }
+
+    public function testHasEligibleFamilyInsuranceIgnoresTheSelectionTimeRecording(): void
+    {
+        // The raw availability predicate is what the field handler records against, so it
+        // must not itself depend on the flag it is used to compute
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $bookingDto->applicantInsuranceChosenWhileFamilyIneligible = false;
+
+        $this->allowAllInsurancesAsEligible();
+
+        $this->assertTrue($this->checker->hasEligibleFamilyInsurance($bookingDto));
+    }
+
+    private function allowAllInsurancesAsEligible(): void
+    {
+        $this->insuranceService->method('getEligibleInsurances')->willReturnCallback(
+            fn (array $insurances) => $insurances
+        );
+    }
+
+    private function createFamilyBookingDtoWithNonFamilyApplicantInsurance(): BookingDto
+    {
+        $nonFamilyInsurance = $this->createInsurance('1');
+        $nonFamilyInsurance->familyInsurance = false;
+
+        $familyInsurance = $this->createInsurance('2', 'Reise-Rücktritt Familie');
+        $familyInsurance->familyInsurance = true;
+
+        $travel = new Travel();
+        $travel->dateFrom = new \DateTimeImmutable('2025-08-01');
+        $travel->dateTo = new \DateTimeImmutable('2025-08-08');
+        $travel->insurances = [$nonFamilyInsurance, $familyInsurance];
+
+        $applicant = new ParticipantDto();
+        $applicant->index = 0;
+        $applicant->dateOfBirth = new \DateTimeImmutable('1990-06-15');
+        $applicant->insurance = $nonFamilyInsurance;
+
+        $child = new ParticipantDto();
+        $child->index = 1;
+        $child->dateOfBirth = new \DateTimeImmutable('2015-01-01');
+
+        $bookingDto = new BookingDto($travel, 1);
+        $bookingDto->participants = [$applicant, $child];
+        $bookingDto->applicantInsuranceChosenWhileFamilyIneligible = true;
+
+        return $bookingDto;
+    }
+
+    private function createInsurance(string|int $id, string $label = 'Test Insurance'): Insurance
+    {
+        $insurance = new Insurance();
+        $insurance->id = (string) $id;
+        $insurance->label = $label;
+
+        return $insurance;
+    }
+}

tests/Service/InsuranceManagerTest.php

@@ -425,6 +425,148 @@ class InsuranceManagerTest extends TestCase
         $this->assertNotNull($result[1]);
     }
 
+    public function testBatchAssignFamilyInsuranceToApplicantOnly(): void
+    {
+        $booking = $this->createFamilyBooking('2024-08-01', '2024-08-08');
+
+        // Tier matched by total price (300 + 0 = 300, fits 250–400 tier)
+        $lowTierInsurance = $this->createInsurance([
+            'id' => '1',
+            'package' => false,
+            'subType' => 'FAM',
+            'familyInsurance' => true,
+            'travelPriceFrom' => 0.0,
+            'travelPriceTo' => 249.99,
+        ]);
+        $correctTierInsurance = $this->createInsurance([
+            'id' => '2',
+            'package' => false,
+            'subType' => 'FAM',
+            'familyInsurance' => true,
+            'travelPriceFrom' => 250.0,
+            'travelPriceTo' => 400.0,
+        ]);
+
+        $availableInsurances = [$lowTierInsurance, $correctTierInsurance];
+        // Individual prices: applicant 300, child 0 → total 300
+        $participantPrices = [0 => 300.0, 1 => 0.0];
+
+        $result = $this->service->batchAssignInsuranceToParticipants(
+            $availableInsurances,
+            $correctTierInsurance,
+            $booking,
+            $participantPrices
+        );
+
+        $this->assertCount(2, $result);
+        $this->assertSame($correctTierInsurance, $result[0], 'Applicant should get tier matching total price');
+        $this->assertNull($result[1], 'Non-applicant participants must be cleared for family insurance');
+    }
+
+    public function testFamilyInsuranceIneligibleForNonApplicant(): void
+    {
+        $booking = $this->createFamilyBooking('2024-08-01', '2024-08-08');
+
+        $nonApplicant = $this->createParticipant('2015-01-01'); // child
+        $nonApplicant->index = 1;
+
+        $familyInsurance = $this->createInsurance(['familyInsurance' => true]);
+
+        $result = $this->service->getEligibleInsurances([$familyInsurance], $nonApplicant, $booking, 500.0);
+
+        $this->assertEmpty($result, 'Family insurance must not be eligible for non-applicant participants');
+    }
+
+    public function testNonFamilyInsuranceEligibleForFamilyBooking(): void
+    {
+        $booking = $this->createFamilyBooking('2024-08-01', '2024-08-08');
+
+        $adult = $this->createParticipant('1990-06-15');
+        $adult->index = 0;
+        $child = $this->createParticipant('2015-01-01');
+        $child->index = 1;
+
+        $nonFamilyInsurance = $this->createInsurance(['familyInsurance' => false]);
+
+        $adultResult = $this->service->getEligibleInsurances([$nonFamilyInsurance], $adult, $booking, 500.0);
+        $childResult = $this->service->getEligibleInsurances([$nonFamilyInsurance], $child, $booking, 500.0);
+
+        $this->assertNotEmpty($adultResult, 'Non-family insurance must be available in family bookings for adults');
+        $this->assertNotEmpty($childResult, 'Non-family insurance must be available in family bookings for children');
+    }
+
+    public function testFamilyInsuranceIneligibleForNonFamilyBooking(): void
+    {
+        // Two adults, no children — not a family booking
+        $booking = $this->createBooking('2024-08-01', '2024-08-08');
+        $adult1 = $this->createParticipant('1990-06-15');
+        $adult1->index = 0;
+        $adult2 = $this->createParticipant('1985-03-10');
+        $adult2->index = 1;
+        $booking->participants = [$adult1, $adult2];
+
+        $familyInsurance = $this->createInsurance(['familyInsurance' => true]);
+
+        $result = $this->service->getEligibleInsurances([$familyInsurance], $adult1, $booking, 500.0);
+
+        $this->assertEmpty($result, 'Family insurance must not be eligible when booking is not a family booking');
+    }
+
+    public function testGetEligibleInsurancesForParticipantUsesTotalPriceForFamilyInsurance(): void
+    {
+        $booking = $this->createFamilyBooking('2024-08-01', '2024-08-08');
+        $applicant = $booking->participants[0];
+
+        // Only matches the total booking price (450), not the individual price (300)
+        $familyInsurance = $this->createInsurance([
+            'familyInsurance' => true,
+            'travelPriceFrom' => 400.01,
+            'travelPriceTo' => 600.0,
+        ]);
+
+        $nonFamilyInsurance = $this->createInsurance([
+            'familyInsurance' => false,
+            'travelPriceFrom' => 0.0,
+            'travelPriceTo' => 350.0,
+        ]);
+
+        $result = $this->service->getEligibleInsurancesForParticipant(
+            [$familyInsurance, $nonFamilyInsurance],
+            $applicant,
+            $booking,
+            300.0,
+            450.0
+        );
+
+        $ids = array_map(fn (Insurance $insurance) => spl_object_id($insurance), $result);
+
+        $this->assertContains(spl_object_id($familyInsurance), $ids, 'Family insurance must be evaluated against the total booking price');
+        $this->assertContains(spl_object_id($nonFamilyInsurance), $ids, 'Non-family insurance must be evaluated against the individual price');
+    }
+
+    public function testGetEligibleInsurancesForParticipantSkipsFamilyPricingWhenNoneAvailable(): void
+    {
+        $booking = $this->createFamilyBooking('2024-08-01', '2024-08-08');
+        $applicant = $booking->participants[0];
+
+        $nonFamilyInsurance = $this->createInsurance([
+            'familyInsurance' => false,
+            'travelPriceFrom' => 0.0,
+            'travelPriceTo' => 350.0,
+        ]);
+
+        $result = $this->service->getEligibleInsurancesForParticipant(
+            [$nonFamilyInsurance],
+            $applicant,
+            $booking,
+            300.0,
+            450.0
+        );
+
+        $this->assertCount(1, $result);
+        $this->assertSame($nonFamilyInsurance, $result[0]);
+    }
+
     private function createParticipant(string $dateOfBirth): ParticipantDto
     {
         $participant = new ParticipantDto();
@@ -442,6 +584,20 @@ class InsuranceManagerTest extends TestCase
         return $booking;
     }
 
+    private function createFamilyBooking(string $travelDateFrom, string $travelDateTo): BookingDto
+    {
+        $booking = $this->createBooking($travelDateFrom, $travelDateTo);
+
+        $adult = $this->createParticipant('1990-06-15'); // 34 years old
+        $adult->index = 0;
+        $child = $this->createParticipant('2015-01-01'); // 9 years old
+        $child->index = 1;
+
+        $booking->participants = [$adult, $child];
+
+        return $booking;
+    }
+
     private function createTravel(string $dateFrom, string $dateTo): Travel
     {
         $travel = new Travel();