Initial Ladill Care release.

Healthcare management app: patients, appointments, consultations, lab,
pharmacy inventory, billing, and reports at care.ladill.com.

Co-authored-by: Cursor <cursoragent@cursor.com>

app/Models/InsurancePolicy.php

@@ -0,0 +1,29 @@
+<?php
+
+namespace App\Models;
+
+use App\Models\Concerns\BelongsToOwner;
+use Illuminate\Database\Eloquent\Model;
+use Illuminate\Database\Eloquent\Relations\BelongsTo;
+
+class InsurancePolicy extends Model
+{
+    use BelongsToOwner;
+
+    protected $table = 'care_insurance_policies';
+
+    protected $fillable = [
+        'owner_ref', 'patient_id', 'provider_name', 'policy_number',
+        'coverage_type', 'expiry_date', 'notes',
+    ];
+
+    protected function casts(): array
+    {
+        return ['expiry_date' => 'date'];
+    }
+
+    public function patient(): BelongsTo
+    {
+        return $this->belongsTo(Patient::class, 'patient_id');
+    }
+}