wip: hint eligibility of family insurance

addresses #869dr80qj

src/BusProNet/DataProcessor/BookingDataProcessor.php

@@ -301,8 +301,8 @@ class BookingDataProcessor
      */
     public function createUpdateRequestPayload(?BookingDto $formData): array
     {
-        // Apply bulk insurance if enabled (modifies DTO in place)
+        // Apply bulk or family insurance if applicable (modifies DTO in place)
-        $this->applyBulkInsuranceIfActive($formData);
+        $this->applyApplicantInsuranceToParticipants($formData);
 
         $bookingData = $formData->booking;
         $travelData = $formData->travel;
@@ -362,33 +362,46 @@ class BookingDataProcessor
      */
     public function createBookingRequestPayload(BookingDto $bookingDto, string $bookingType): array
     {
-        // Apply bulk insurance if enabled (modifies DTO in place)
+        // Apply bulk or family insurance if applicable (modifies DTO in place)
-        $this->applyBulkInsuranceIfActive($bookingDto);
+        $this->applyApplicantInsuranceToParticipants($bookingDto);
 
         return $this->payloadBuilder->buildCreatePayload($bookingDto, $bookingType);
     }
 
     /**
-     * Applies bulk insurance assignment if the applicant has enabled it.
+     * Applies the applicant's insurance to other participants if their selection requires it.
      *
-     * When bulk insurance is active (applicant's bulkInsuranceBooking = true), this method
+     * Runs when either:
-     * assigns the applicant's insurance TYPE to all dependent participants with automatic
+     * - Bulk insurance is active (applicant's bulkInsuranceBooking = true): assigns the
-     * price tier adjustment based on each participant's total cost.
+     *   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, bulk insurance only applies to participants who:
+     * 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 || null === $applicant->insurance) {
-        if (null === $applicant || false === $applicant->bulkInsuranceBooking || 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 +422,11 @@ 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) {
+            if (0 === $index && false === $isFamilyInsurance) {
-                continue; // Skip applicant
+                continue;
             }
 
             $participant = $bookingDto->getParticipant($index);
@@ -420,9 +434,10 @@ class BookingDataProcessor
                 continue;
             }
 
-            // In edit mode: only apply bulk insurance if participant has no insurance
+            // In edit mode: non-family bulk assignment must not overwrite an individually
-            // This respects the rule that once assigned, insurance cannot be changed
+            // locked insurance. Family insurance always overrides, since dependents can
-            if (BookingDto::MODE_EDIT === $bookingDto->getMode() && null !== $participant->insurance) {
+            // 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/Form/Model/BookingDto.php

@@ -70,6 +70,21 @@ class BookingDto
      */
     public ?string $originalFingerprint = null;
 
+    /**
+     * Whether the applicant has already been notified that family insurance became
+     * available after they picked a non-family insurance while dependents were incomplete.
+     * Prevents re-showing the same hint on every subsequent participant card submission.
+     */
+    public bool $familyInsuranceHintShown = false;
+
+    /**
+     * Whether the applicant's current insurance choice was made while family insurance
+     * was not yet eligible (i.e. before all dependents' dates of birth were known).
+     * Set at selection time; used to distinguish "family insurance just became
+     * available" 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/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

@@ -1144,15 +1144,17 @@ class ParticipantFieldOptionsProvider extends AbstractFieldOptionsProvider
         // Get selectable (non-complementary) insurances with caching
         $selectableInsurances = $this->insuranceService->getSelectableInsurances($bookingDto->travel);
 
-        // Calculate travel price for eligibility filtering
+        // Family insurances are priced by the total booking price rather than the individual
-        $travelPrice = $this->priceCalculatorService->calculateIndividualParticipantPriceExcludingInsurance($bookingDto, $participantIndex);
+        // 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->getEligibleInsurancesForParticipant(
-        $eligibleInsurances = $this->insuranceService->getEligibleInsurances(
             $selectableInsurances,
             $participant,
             $bookingDto,
-            $travelPrice
+            $individualPrice,
+            $totalBookingPrice
         );
 
         // Inject synthetic "no insurance" option at the top of the list

src/Form/Service/ParticipantInsuranceFieldHandler.php

@@ -6,6 +6,7 @@ namespace App\Form\Service;
 
 use App\BusProNet\Model\Insurance;
 use App\Form\Model\BookingDto;
+use App\Form\Model\ParticipantDto;
 use App\Form\Service\Abstract\AbstractParticipantFieldHandler;
 use App\Service\BookingPriceCalculator;
 use App\Service\InsuranceManager;
@@ -124,6 +125,19 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
      * @param int                  $participantIndex The index of the participant being processed
      */
     public function processField(array $submittedData, BookingDto $bookingDto, int $participantIndex): void
+    {
+        $this->applyInsuranceSelection($submittedData, $bookingDto, $participantIndex);
+
+        // Runs after the selection above is fully resolved, so a submission that itself
+        // switches the applicant to family insurance doesn't trigger a stale "please
+        // recheck" notification about the choice it just made.
+        $this->notifyApplicantIfFamilyInsuranceNewlyAvailable($bookingDto);
+    }
+
+    /**
+     * @param array<string, mixed> $submittedData The submitted participant form data
+     */
+    private function applyInsuranceSelection(array $submittedData, BookingDto $bookingDto, int $participantIndex): void
     {
         $participant = $bookingDto->getParticipant($participantIndex);
         if (null === $participant) {
@@ -136,9 +150,6 @@ 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 +166,16 @@ 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 +204,22 @@ 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 +281,95 @@ class ParticipantInsuranceFieldHandler extends AbstractParticipantFieldHandler
         return [];
     }
 
+    /**
+     * Records whether the applicant's insurance choice was made while family insurance
+     * was NOT yet eligible, so the notification below can tell "just became available"
+     * 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;
+        }
+
+        $applicant = $bookingDto->getParticipant(0);
+        if (null === $applicant) {
+            return;
+        }
+
+        $bookingDto->applicantInsuranceChosenWhileFamilyIneligible = !$this->hasEligibleFamilyInsurance($bookingDto, $applicant);
+    }
+
+    /**
+     * 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.
+     *
+     * Used by both the selection-time recording above and the notification below, so they
+     * can never disagree on what "family insurance is eligible" means.
+     */
+    private function hasEligibleFamilyInsurance(BookingDto $bookingDto, ParticipantDto $applicant): bool
+    {
+        if (!$bookingDto->isFamilyBooking()) {
+            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);
+    }
+
+    /**
+     * Notifies the applicant when family insurance becomes available after the fact.
+     *
+     * Participants are entered one card at a time, in any order, so the applicant is
+     * likely to pick a non-family insurance before any dependent's date of birth makes
+     * the booking eligible for family insurance. Once that happens, nothing prompts the
+     * applicant to revisit their earlier choice. This surfaces a one-time hint via the
+     * existing notification/toast pipeline (App\Form\Model\ParticipantDto::addNotification()),
+     * mirroring the cross-participant side effect already used by
+     * ParticipantAssignedRoomFieldHandler::resolveRoomCapacityConflict() for room conflicts.
+     *
+     * Requires `applicantInsuranceChosenWhileFamilyIneligible` to be true - i.e. the
+     * choice was actually made before family insurance was possible - not just that
+     * family insurance happens to be eligible now (it may have been all along).
+     */
+    private function notifyApplicantIfFamilyInsuranceNewlyAvailable(BookingDto $bookingDto): void
+    {
+        if ($bookingDto->familyInsuranceHintShown) {
+            return;
+        }
+
+        if (!$bookingDto->applicantInsuranceChosenWhileFamilyIneligible) {
+            return;
+        }
+
+        $applicant = $bookingDto->getParticipant(0);
+        if (null === $applicant || null === $applicant->insurance || true === $applicant->insurance->familyInsurance) {
+            return;
+        }
+
+        if (!$this->hasEligibleFamilyInsurance($bookingDto, $applicant)) {
+            return;
+        }
+
+        $applicant->addNotification(
+            'info',
+            'Für eure Konstellation ist auch eine Familienversicherung verfügbar und kann über die anmeldende Person gebucht werden.'
+        );
+        $bookingDto->familyInsuranceHintShown = true;
+    }
+
     /**
      * Finds an insurance by ID from the available insurances array.
      *

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/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 (true === $insurance->familyInsurance) {
-        if (BookingDto::MODE_EDIT === $booking->getMode()) {
+            if (false === $booking->isFamilyBooking()) {
-            return true; // Skip family constraints for edit mode
+                return false; // Family insurance only available for family bookings
             }
-
+            if (0 !== $participant->index) {
-        $isFamilyBooking = $booking->isFamilyBooking();
+                return false; // Family insurance only assignable to the applicant
-
-        // 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;
         }
 
         return true;

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">

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 +823,106 @@ 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);
+        $insuranceService->method('getSelectableInsurances')->willReturn([]);
+        $insuranceService->method('batchAssignInsuranceToParticipants')->willReturn([
+            0 => $familyInsurance,
+            1 => null,
+        ]);
+
+        $priceCalculatorService = $this->createMock(BookingPriceCalculator::class);
+        $priceCalculatorService->method('calculateIndividualParticipantPriceExcludingInsurance')->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');
+    }
 }

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

@@ -31,6 +31,8 @@ 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);
     }
@@ -196,6 +198,36 @@ 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 +279,250 @@ class ParticipantInsuranceFieldHandlerTest extends TestCase
         $this->assertNull($participant->insurance);
     }
 
+    public function testProcessFieldNotifiesApplicantWhenFamilyInsuranceNewlyAvailable(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $applicant = $bookingDto->getParticipant(0);
+
+        $this->priceCalculatorService->method('calculateTotalBookingPriceExcludingInsurance')->willReturn(500.0);
+        $this->insuranceService->method('getEligibleInsurances')->willReturn([$this->createInsurance('2', 'Reise-Rücktritt Familie')]);
+
+        // Dependent's own card is submitted (e.g. just their date of birth) - no insurance selection
+        $this->handler->processField([], $bookingDto, 1);
+
+        $this->assertNotEmpty($applicant->notifications, 'Applicant should be notified that family insurance is now available');
+        $this->assertTrue($bookingDto->familyInsuranceHintShown);
+    }
+
+    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 testProcessFieldDoesNotNotifyWhenApplicantSwitchesToFamilyInsuranceInSameSubmission(): void
+    {
+        $familyInsurance = $this->createInsurance('2');
+        $familyInsurance->familyInsurance = true;
+
+        $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, $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;
+
+        $this->insuranceService->method('getEligibleInsurances')->willReturn([$familyInsurance]);
+
+        // Applicant's own submission switches them to family insurance in this same request
+        $this->handler->processField(['insurance' => '2'], $bookingDto, 0);
+
+        $this->assertSame($familyInsurance, $applicant->insurance);
+        $this->assertEmpty($applicant->notifications, 'Must not show a stale "please recheck" hint for a choice this submission already made');
+    }
+
+    public function testProcessFieldDoesNotNotifyWhenHintAlreadyShown(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $bookingDto->familyInsuranceHintShown = true;
+        $applicant = $bookingDto->getParticipant(0);
+
+        $this->priceCalculatorService->method('calculateTotalBookingPriceExcludingInsurance')->willReturn(500.0);
+        $this->insuranceService->method('getEligibleInsurances')->willReturn([$this->createInsurance('2')]);
+
+        $this->handler->processField([], $bookingDto, 1);
+
+        $this->assertEmpty($applicant->notifications, 'Hint must not repeat once already shown');
+    }
+
+    public function testProcessFieldDoesNotNotifyWhenApplicantHasNoInsurance(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $applicant = $bookingDto->getParticipant(0);
+        $applicant->insurance = null;
+
+        $this->handler->processField([], $bookingDto, 1);
+
+        $this->assertEmpty($applicant->notifications, 'Nothing to alert about when applicant has not chosen insurance yet');
+        $this->assertFalse($bookingDto->familyInsuranceHintShown);
+    }
+
+    public function testProcessFieldDoesNotNotifyWhenApplicantAlreadyHasFamilyInsurance(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $applicant = $bookingDto->getParticipant(0);
+        $familyInsurance = $this->createInsurance('2');
+        $familyInsurance->familyInsurance = true;
+        $applicant->insurance = $familyInsurance;
+
+        $this->handler->processField([], $bookingDto, 1);
+
+        $this->assertEmpty($applicant->notifications, 'Nothing to alert about when applicant already has family insurance');
+        $this->assertFalse($bookingDto->familyInsuranceHintShown);
+    }
+
+    public function testProcessFieldDoesNotNotifyWhenNoEligibleFamilyInsuranceExists(): void
+    {
+        $bookingDto = $this->createFamilyBookingDtoWithNonFamilyApplicantInsurance();
+        $applicant = $bookingDto->getParticipant(0);
+
+        $this->priceCalculatorService->method('calculateTotalBookingPriceExcludingInsurance')->willReturn(500.0);
+        $this->insuranceService->method('getEligibleInsurances')->willReturn([]); // No eligible family insurance
+
+        $this->handler->processField([], $bookingDto, 1);
+
+        $this->assertEmpty($applicant->notifications, 'Nothing to alert about when no family insurance is actually eligible');
+        $this->assertFalse($bookingDto->familyInsuranceHintShown);
+    }
+
+    private function createFamilyBookingDtoWithNonFamilyApplicantInsurance(): BookingDto
+    {
+        $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');
+        $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;
+    }
+
     public function testGetFieldStateModificationsReturnsEmptyArray(): void
     {
         $bookingDto = $this->createMockBookingDto();

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/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();