Fix insurance category enum mismatch between AddPolicyModal and Zod schema

[jcleow]

Problem

The AddPolicyModal's PolicyCategory type and the Zod insuranceCategoryEnum in types/insurance.ts define completely different category value sets. This causes filter mismatches and potential data inconsistency.

AddPolicyModal (PolicyCategory)

life | health | critical_illness | long_term_care | personal_accident

Zod Schema (insuranceCategoryEnum)

life | critical_illness | hospitalization | disability | accident | custom

Mismatches

Concept	Modal saves	Zod expects
Health/Hospital	health	hospitalization
Disability/LTC	long_term_care	disability
Personal Accident	personal_accident	accident
Custom	(not offered)	custom

Impact

• Coverage column filter in PoliciesTab was sending Zod enum values (hospitalization, accident) to the backend, but the DB contains modal values (health, personal_accident) — filter returned no results
• long_term_care is defined as a subcategory of disability in the Zod schema, but stored as a top-level category by the modal
• JourneyTab uses yet another set of category keys (lifeTpd, criticalIllness, earlyCi, disability, personalAccident)

Fix needed

1. Decide on a single canonical set of category values
2. Align AddPolicyModal's PolicyCategory type with insuranceCategoryEnum
3. Write a DB migration if existing data needs to be remapped
4. Update insuranceSubcategories mapping accordingly
5. Ensure JourneyTab's category keys map correctly to the canonical values

Files involved

• frontend/src/types/insurance.ts — Zod enum + subcategory map
• frontend/src/components/insurance/modals/AddPolicyModal.tsx — PolicyCategory type
• frontend/src/components/insurance/tabs/PoliciesTab.tsx — COVERAGE_CATEGORIES filter
• frontend/src/components/insurance/tabs/JourneyTab.tsx — IndividualCategory type
• Backend handler/repository for any migration

[linear]

ASS-79