feat: insurance section — overview, documents, analysis, KVG premium comparison

- Insurance overview page (/insurance): current policies table with type, provider, premium, franchise, coverage, and document links - Documents page: upload and manage insurance documents - Analysis page: coverage gap analysis per insurance type - Priminfo integration (/insurance/priminfo): KVG premium comparison by insurer, model (TAR/HMO/etc.), franchise level, and accident coverage via embedded Priminfo iframe (no public API available) - Backend: Insurance, PraemienEntry, PraemienPolice models with migrations - Sidebar: insurance nav group with flyout and dropdown - i18n: all keys in DE/EN/FR/IT
2026-05-25 22:05:37 +02:00
parent 1a7ef09805
commit c03d2a97ab
26 changed files with 2456 additions and 44 deletions
@@ -223,4 +223,112 @@ class BackupCode(models.Model):
        indexes = [models.Index(fields=['user', 'used'])]

    def __str__(self):
-        return f"{self.user} – backup {'used' if self.used else 'active'}"
+        return f"{self.user} – backup {'used' if self.used else 'active'}"
+
+
+class Insurance(models.Model):
+    INSURANCE_TYPES = [
+        ('kvg', 'Krankenkasse Grundversicherung (KVG)'),
+        ('kk_zusatz', 'KK-Zusatzversicherung'),
+        ('nbu', 'Nicht-Berufsunfallversicherung (NBU)'),
+        ('haftpflicht', 'Privathaftpflicht'),
+        ('hausrat', 'Hausrat'),
+        ('mfz', 'MFZ-Haftpflicht'),
+        ('rechtsschutz', 'Rechtsschutz'),
+        ('saule_3a', 'Säule 3a'),
+        ('leben', 'Lebensversicherung'),
+        ('reise', 'Reiseversicherung'),
+        ('other', 'Sonstiges'),
+    ]
+
+    PERIOD_CHOICES = [
+        ('monthly', 'Monatlich'),
+        ('quarterly', 'Vierteljährlich'),
+        ('semi_annual', 'Halbjährlich'),
+        ('annual', 'Jährlich'),
+    ]
+
+    user = models.ForeignKey(
+        settings.AUTH_USER_MODEL,
+        on_delete=models.CASCADE,
+        related_name='insurances',
+    )
+    insurance_type = models.CharField(max_length=30, choices=INSURANCE_TYPES)
+    insurer = models.CharField(max_length=200)
+    policy_number = models.CharField(max_length=100, blank=True, default='')
+    premium = models.DecimalField(max_digits=10, decimal_places=2)
+    premium_period = models.CharField(max_length=20, choices=PERIOD_CHOICES, default='monthly')
+    coverage_amount = models.DecimalField(max_digits=12, decimal_places=2, null=True, blank=True)
+    deductible = models.DecimalField(max_digits=10, decimal_places=2, null=True, blank=True)
+    valid_from = models.DateField(null=True, blank=True)
+    valid_until = models.DateField(null=True, blank=True)
+    notes = models.TextField(blank=True, default='')
+    created_at = models.DateTimeField(auto_now_add=True)
+
+    class Meta:
+        ordering = ['insurance_type']
+
+    def __str__(self):
+        return f"{self.get_insurance_type_display()} – {self.insurer}"
+
+
+class PraemienEntry(models.Model):
+    """
+    Swiss health insurance average premium data from BAG / Priminfo.
+    Populated via management command: python manage.py import_praemien [year]
+    Source: https://www.priminfo.admin.ch/downloads/praemienregionen_{year}.xlsx
+    """
+    plz = models.CharField(max_length=10, db_index=True)
+    ort = models.CharField(max_length=200)
+    kanton = models.CharField(max_length=2)
+    region = models.PositiveSmallIntegerField()  # Prämienregion 0, 1, 2, or 3
+    bfs_nr = models.PositiveIntegerField(db_index=True)
+    gemeinde = models.CharField(max_length=200)
+    bezirk = models.CharField(max_length=200, blank=True, default='')
+    avg_adult = models.DecimalField(max_digits=8, decimal_places=2)
+    avg_young_adult = models.DecimalField(max_digits=8, decimal_places=2)
+    avg_child = models.DecimalField(max_digits=8, decimal_places=2)
+    data_year = models.PositiveSmallIntegerField(db_index=True)
+
+    class Meta:
+        unique_together = ['plz', 'ort', 'data_year']
+        ordering = ['kanton', 'ort']
+
+    def __str__(self):
+        return f"{self.plz} {self.ort} ({self.kanton}) – Region {self.region} – {self.data_year}"
+
+
+class PraemienPolice(models.Model):
+    """
+    Granular KVG premium data per insurer, canton, region, age class, model, franchise.
+    Populated via management command: python manage.py import_praemien [year]
+    Source: https://opendata.bagnet.ch (Prämien_CH.csv)
+    ~217k rows for a full year.
+    """
+    versicherer_id = models.PositiveIntegerField(db_index=True)
+    kanton = models.CharField(max_length=2)
+    region = models.PositiveSmallIntegerField()          # 0, 1, 2, 3
+    altersklasse = models.CharField(max_length=10)       # AKL-ERW / AKL-JUG / AKL-KIN
+    unfalleinschluss = models.CharField(max_length=10)   # MIT-UNF / OHN-UNF
+    tariftyp = models.CharField(max_length=10)           # TAR-BASE / TAR-HAM / TAR-HMO / TAR-DIV
+    tarifbezeichnung = models.CharField(max_length=200)
+    franchisestufe = models.CharField(max_length=10)     # FRAST1 … FRAST7
+    franchise_chf = models.PositiveSmallIntegerField()   # e.g. 300, 500, 1000 …
+    praemie = models.DecimalField(max_digits=8, decimal_places=2)
+    data_year = models.PositiveSmallIntegerField(db_index=True)
+
+    class Meta:
+        unique_together = [
+            'versicherer_id', 'kanton', 'region', 'altersklasse',
+            'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year',
+        ]
+        indexes = [
+            models.Index(fields=[
+                'kanton', 'region', 'altersklasse',
+                'unfalleinschluss', 'tariftyp', 'franchisestufe', 'data_year',
+            ]),
+        ]
+
+    def __str__(self):
+        return (f"V{self.versicherer_id} {self.kanton} R{self.region} "
+                f"{self.altersklasse} {self.tariftyp} {self.franchisestufe} → {self.praemie} CHF")