Sprint 3: 员工目录优化 + Profile Shell + 离职工作流重构 + 合同类型扩充 + 月度社保重构 + 商险管理Tab

S3-1: Roster.tsx 添加 InlineAlert 合同风险提示 + 快捷筛选标签
S3-2: 新建 EmployeeProfileShell.tsx 统一员工详情布局，重构 EmployeeProfile.tsx
S3-3: Termination.tsx 集成 Stepper 步骤条 + InlineAlert 风险提示
S3-4: schema.prisma ContractType 枚举扩充 DISPATCH/OUTSOURCING/PARTTIME + 后端接口 + 前端选择器
S3-5: SocialInsurance.tsx 月度办理 Tab 使用 InlineAlert 替换原始提示
S3-6: SocialInsurance.tsx 新增商险管理 Tab（方案CRUD + 参保人员列表）

frontend/src/pages/SocialInsurance.tsx

@@ -2,7 +2,8 @@ import { useState, useEffect, useRef } from 'react'
 import { toast } from 'sonner'
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query'
 import { useConfirm } from '../hooks/useConfirm'
-import { Calculator, Info, Check, Settings as SettingsIcon, Plus, History, Download, AlertCircle, Clock, MapPin, Sparkles, Upload, X } from 'lucide-react'
+import { Calculator, Info, Check, Settings as SettingsIcon, Plus, History, Download, AlertCircle, Clock, MapPin, Sparkles, Upload, X, Shield } from 'lucide-react'
+import { InlineAlert } from '../components/ui/InlineAlert'
 import api from '../lib/api'
 import { useAuthStore } from '../store/authStore'
 import Card from '../components/ui/Card'
@@ -15,7 +16,7 @@ const fmt = (n: number) => (n || 0).toLocaleString('zh-CN', { minimumFractionDig
 export default function SocialInsurance() {
   const queryClient = useQueryClient()
   const confirm = useConfirm()
-  const [tab, setTab] = useState<'monthly' | 'social' | 'housing' | 'deduction'>('monthly')
+  const [tab, setTab] = useState<'monthly' | 'social' | 'housing' | 'deduction' | 'commercial'>('monthly')
   const [city, setCity] = useState<string>('北京')
   const [showAddCity, setShowAddCity] = useState(false)
   const [newCityName, setNewCityName] = useState('')
@@ -374,7 +375,7 @@ export default function SocialInsurance() {
 
       {/* Tab 切换 + 城市选择 */}
       <div className="flex items-center gap-4 border-b">
-        {(['monthly', 'social', 'housing', 'deduction'] as const).map((t) => (
+        {(['monthly', 'social', 'housing', 'deduction', 'commercial'] as const).map((t) => (
           <button
             key={t}
             className={`px-4 py-2 text-sm font-medium border-b-2 transition-colors ${
@@ -382,7 +383,7 @@ export default function SocialInsurance() {
             }`}
             onClick={() => { setTab(t); setShowVersions(false); setShowNewVersion(false); setShowAdjust(false); setAdjustData(null); setEditItems({}); setEditingId(null); setMonthlyProcessed(false); setProcessStatus(null) }}
           >
-            {t === 'monthly' ? '月度办理' : t === 'social' ? '社保' : t === 'housing' ? '公积金' : '专项附加扣除'}
+            {t === 'monthly' ? '月度办理' : t === 'social' ? '社保' : t === 'housing' ? '公积金' : t === 'deduction' ? '专项附加扣除' : '商险管理'}
           </button>
         ))}
         {(tab === 'social' || tab === 'housing') && (
@@ -1001,9 +1002,9 @@ export default function SocialInsurance() {
               )}
             </div>
           )}
-          <div className="bg-blue-50 text-blue-700 text-sm px-3 py-2 rounded-md mb-3">
+          <InlineAlert type="info" className="mb-3">
             展示当月社保/公积金新增（入职/重新入职）、减少（离职/解聘）及正常在保人员列表，用于经办机构申报。
-          </div>
+          </InlineAlert>
           {(() => {
             if (!monthlyProcessed) {
               return <div className="text-center py-8 text-gray-400 text-sm">选择月份后点击「获取」按钮，获取当月增减员及在保人员列表</div>
@@ -1138,6 +1139,11 @@ export default function SocialInsurance() {
         <SpecialDeductionTab month={deductionMonth} setMonth={setDeductionMonth} />
       )}
 
+      {/* ========== 商险管理 Tab ========== */}
+      {tab === 'commercial' && (
+        <CommercialInsuranceTab />
+      )}
+
       <p className="text-sm text-gray-400">
         社保/公积金基数按上年度月均工资核定，每人不同，在员工基本信息中设置。比例和基数上下限按版本管理，通常每年7月调整。
         发薪批次计算时按批次月份自动匹配对应版本配置。
@@ -1618,3 +1624,276 @@ function SpecialDeductionTab({ month, setMonth }: { month: string; setMonth: (m:
     </Card>
   )
 }
+
+/**
+ * 商险管理 Tab — 管理商业保险（意外险、补充医疗、雇主责任险等）
+ * 支持查看商险方案、参保人员、保单信息
+ */
+function CommercialInsuranceTab() {
+  const queryClient = useQueryClient()
+  const confirm = useConfirm()
+  const [showAddPlan, setShowAddPlan] = useState(false)
+  const [editingPlan, setEditingPlan] = useState<any>(null)
+  const [selectedPlanId, setSelectedPlanId] = useState<string | null>(null)
+  const [newPlan, setNewPlan] = useState<any>({
+    name: '',
+    type: 'ACCIDENT',
+    provider: '',
+    policyNo: '',
+    premium: 0,
+    coverageAmount: 0,
+    effectiveFrom: new Date().toISOString().slice(0, 10),
+    effectiveTo: '',
+    description: '',
+  })
+
+  /** 商险类型映射 */
+  const INSURANCE_TYPES: Record<string, { label: string; color: string }> = {
+    ACCIDENT: { label: '意外伤害险', color: 'bg-orange-50 text-orange-700 border border-orange-200' },
+    SUPPLEMENTARY_MEDICAL: { label: '补充医疗保险', color: 'bg-blue-50 text-blue-700 border border-blue-200' },
+    EMPLOYER_LIABILITY: { label: '雇主责任险', color: 'bg-purple-50 text-purple-700 border border-purple-200' },
+    CRITICAL_ILLNESS: { label: '重大疾病险', color: 'bg-rose-50 text-rose-700 border border-rose-200' },
+    GROUP_LIFE: { label: '团体寿险', color: 'bg-teal-50 text-teal-700 border border-teal-200' },
+    OTHER: { label: '其他', color: 'bg-gray-50 text-gray-700 border border-gray-200' },
+  }
+
+  /** 获取商险方案列表 */
+  const { data: plans = [], isLoading } = useQuery<any[]>({
+    queryKey: ['commercial-insurance-plans'],
+    queryFn: async () => {
+      const res = await api.get('/commercial-insurance/plans') as any
+      return res.data || []
+    },
+  })
+
+  /** 获取选中方案的参保人员 */
+  const { data: enrollments = [], isLoading: enrollLoading } = useQuery<any[]>({
+    queryKey: ['commercial-insurance-enrollments', selectedPlanId],
+    queryFn: async () => {
+      if (!selectedPlanId) return []
+      const res = await api.get(`/commercial-insurance/plans/${selectedPlanId}/enrollments`) as any
+      return res.data || []
+    },
+    enabled: !!selectedPlanId,
+  })
+
+  /** 创建/更新商险方案 */
+  const savePlanMutation = useMutation({
+    mutationFn: async (data: any) => {
+      if (editingPlan) {
+        return api.put(`/commercial-insurance/plans/${editingPlan.id}`, data) as any
+      }
+      return api.post('/commercial-insurance/plans', data) as any
+    },
+    onSuccess: () => {
+      queryClient.invalidateQueries({ queryKey: ['commercial-insurance-plans'] })
+      setShowAddPlan(false)
+      setEditingPlan(null)
+      setNewPlan({ name: '', type: 'ACCIDENT', provider: '', policyNo: '', premium: 0, coverageAmount: 0, effectiveFrom: new Date().toISOString().slice(0, 10), effectiveTo: '', description: '' })
+      toast.success(editingPlan ? '商险方案已更新' : '商险方案已创建')
+    },
+    onError: () => toast.error('保存失败'),
+  })
+
+  /** 删除商险方案 */
+  const deletePlanMutation = useMutation({
+    mutationFn: (id: string) => api.delete(`/commercial-insurance/plans/${id}`),
+    onSuccess: () => {
+      queryClient.invalidateQueries({ queryKey: ['commercial-insurance-plans'] })
+      setSelectedPlanId(null)
+      toast.success('商险方案已删除')
+    },
+  })
+
+  const handleEdit = (plan: any) => {
+    setEditingPlan(plan)
+    setNewPlan({ ...plan })
+    setShowAddPlan(true)
+  }
+
+  const handleSave = () => {
+    if (!newPlan.name?.trim()) { toast.error('请填写方案名称'); return }
+    if (!newPlan.provider?.trim()) { toast.error('请填写保险公司'); return }
+    savePlanMutation.mutate(newPlan)
+  }
+
+  if (isLoading) return <Card><div className="text-center py-8 text-gray-400">加载中...</div></Card>
+
+  return (
+    <div className="space-y-3">
+      <div className="flex items-center justify-between">
+        <div className="flex items-center gap-2">
+          <Shield className="h-4 w-4 text-primary" />
+          <h2 className="text-sm font-medium">商业保险管理</h2>
+        </div>
+        <Button size="sm" onClick={() => { setEditingPlan(null); setNewPlan({ name: '', type: 'ACCIDENT', provider: '', policyNo: '', premium: 0, coverageAmount: 0, effectiveFrom: new Date().toISOString().slice(0, 10), effectiveTo: '', description: '' }); setShowAddPlan(true) }}>
+          <Plus className="w-4 h-4 mr-1" />新增方案
+        </Button>
+      </div>
+
+      <InlineAlert type="info">
+        商业保险为社保之外的自愿性补充保障，包括意外伤害险、补充医疗、雇主责任险等。此处管理商险方案及参保人员。
+      </InlineAlert>
+
+      {/* 商险方案列表 */}
+      {plans.length === 0 ? (
+        <Card><div className="text-center py-8 text-gray-400 text-sm">暂无商险方案，点击「新增方案」创建</div></Card>
+      ) : (
+        <div className="grid gap-3 md:grid-cols-2 lg:grid-cols-3">
+          {plans.map((plan: any) => {
+            const typeCfg = INSURANCE_TYPES[plan.type] || INSURANCE_TYPES.OTHER
+            const isSelected = selectedPlanId === plan.id
+            return (
+              <Card
+                key={plan.id}
+                className={`cursor-pointer transition-all ${isSelected ? 'ring-2 ring-primary/20' : 'hover:shadow-md'}`}
+              >
+                <div onClick={() => setSelectedPlanId(isSelected ? null : plan.id)}>
+                  <div className="flex items-start justify-between mb-2">
+                    <div>
+                      <span className={`px-2 py-0.5 rounded text-xs ${typeCfg.color}`}>{typeCfg.label}</span>
+                      <h3 className="text-sm font-medium mt-1">{plan.name}</h3>
+                    </div>
+                    <div className="flex gap-1" onClick={(e) => e.stopPropagation()}>
+                      <button className="text-xs text-gray-400 hover:text-primary" onClick={() => handleEdit(plan)}>
+                        <SettingsIcon className="w-3.5 h-3.5" />
+                      </button>
+                      <button className="text-xs text-gray-400 hover:text-danger" onClick={async () => {
+                        if (await confirm({ title: '确认删除', message: `确定删除商险方案「${plan.name}」吗？` })) {
+                          deletePlanMutation.mutate(plan.id)
+                        }
+                      }}>
+                        <X className="w-3.5 h-3.5" />
+                      </button>
+                    </div>
+                  </div>
+                  <div className="space-y-1 text-xs text-gray-500">
+                    <div className="flex justify-between"><span>保险公司</span><span className="text-gray-700">{plan.provider}</span></div>
+                    <div className="flex justify-between"><span>保单号</span><span className="text-gray-700 font-mono">{plan.policyNo || '—'}</span></div>
+                    <div className="flex justify-between"><span>保费(年)</span><span className="text-gray-700">¥{fmt(plan.premium)}</span></div>
+                    <div className="flex justify-between"><span>保额</span><span className="text-gray-700">¥{fmt(plan.coverageAmount)}</span></div>
+                    <div className="flex justify-between"><span>保障期间</span><span className="text-gray-700">{plan.effectiveFrom} ~ {plan.effectiveTo || '长期'}</span></div>
+                  </div>
+                  {plan.description && <p className="text-xs text-gray-400 mt-2 line-clamp-2">{plan.description}</p>}
+                </div>
+              </Card>
+            )
+          })}
+        </div>
+      )}
+
+      {/* 参保人员列表 */}
+      {selectedPlanId && (
+        <Card>
+          <h3 className="text-sm font-medium mb-3">参保人员（{enrollments.length}人）</h3>
+          {enrollLoading ? (
+            <div className="text-center py-4 text-gray-400 text-sm">加载中...</div>
+          ) : enrollments.length === 0 ? (
+            <div className="text-center py-4 text-gray-400 text-sm">暂无参保人员</div>
+          ) : (
+            <div className="overflow-x-auto">
+              <table className="w-full text-sm">
+                <thead>
+                  <tr className="border-b text-xs text-gray-500">
+                    <th className="py-2 text-left">姓名</th>
+                    <th className="py-2 text-left">部门</th>
+                    <th className="py-2 text-left">身份证号</th>
+                    <th className="py-2 text-right">保费</th>
+                    <th className="py-2 text-left">生效日期</th>
+                    <th className="py-2 text-left">状态</th>
+                  </tr>
+                </thead>
+                <tbody>
+                  {enrollments.map((e: any) => (
+                    <tr key={e.id || e.employeeId} className="border-b last:border-0 hover:bg-gray-50">
+                      <td className="py-2 font-medium">{e.name}</td>
+                      <td className="py-2 text-gray-500">{e.department}</td>
+                      <td className="py-2 text-gray-400 font-mono text-xs">{e.idCardMasked || '—'}</td>
+                      <td className="py-2 text-right">¥{fmt(e.premium || 0)}</td>
+                      <td className="py-2 text-gray-500 text-xs">{e.effectiveFrom || '—'}</td>
+                      <td className="py-2">
+                        <span className={`px-2 py-0.5 rounded text-xs ${e.status === 'ACTIVE' ? 'bg-green-50 text-safe' : 'bg-gray-100 text-gray-500'}`}>
+                          {e.status === 'ACTIVE' ? '有效' : '已终止'}
+                        </span>
+                      </td>
+                    </tr>
+                  ))}
+                </tbody>
+              </table>
+            </div>
+          )}
+        </Card>
+      )}
+
+      {/* 新增/编辑方案弹窗 */}
+      {showAddPlan && (
+        <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/30" onClick={() => setShowAddPlan(false)}>
+          <Card className="w-full max-w-lg mx-4" >
+            <div onClick={(e) => e.stopPropagation()}>
+              <div className="flex items-center justify-between mb-4">
+                <h3 className="text-sm font-medium">{editingPlan ? '编辑商险方案' : '新增商险方案'}</h3>
+                <button onClick={() => setShowAddPlan(false)} className="text-gray-400 hover:text-gray-600"><X className="w-4 h-4" /></button>
+              </div>
+              <div className="space-y-3">
+                <div>
+                  <Label>方案名称 *</Label>
+                  <Input value={newPlan.name} onChange={(e) => setNewPlan({ ...newPlan, name: e.target.value })} placeholder="如：2024年度员工意外险" />
+                </div>
+                <div className="grid grid-cols-2 gap-3">
+                  <div>
+                    <Label>保险类型</Label>
+                    <select
+                      className="h-9 w-full rounded-md border border-gray-200 bg-white px-3 text-sm text-gray-700 shadow-sm outline-none transition focus:border-primary focus:ring-2 focus:ring-primary/10"
+                      value={newPlan.type}
+                      onChange={(e) => setNewPlan({ ...newPlan, type: e.target.value })}
+                    >
+                      {Object.entries(INSURANCE_TYPES).map(([k, v]) => <option key={k} value={k}>{v.label}</option>)}
+                    </select>
+                  </div>
+                  <div>
+                    <Label>保险公司 *</Label>
+                    <Input value={newPlan.provider} onChange={(e) => setNewPlan({ ...newPlan, provider: e.target.value })} placeholder="如：中国人寿" />
+                  </div>
+                </div>
+                <div className="grid grid-cols-2 gap-3">
+                  <div>
+                    <Label>保单号</Label>
+                    <Input value={newPlan.policyNo} onChange={(e) => setNewPlan({ ...newPlan, policyNo: e.target.value })} placeholder="保单编号" />
+                  </div>
+                  <div>
+                    <Label>保费（元/年）</Label>
+                    <Input type="number" value={newPlan.premium} onChange={(e) => setNewPlan({ ...newPlan, premium: parseFloat(e.target.value) || 0 })} />
+                  </div>
+                </div>
+                <div className="grid grid-cols-2 gap-3">
+                  <div>
+                    <Label>保额（元）</Label>
+                    <Input type="number" value={newPlan.coverageAmount} onChange={(e) => setNewPlan({ ...newPlan, coverageAmount: parseFloat(e.target.value) || 0 })} />
+                  </div>
+                  <div>
+                    <Label>到期日期</Label>
+                    <Input type="date" value={newPlan.effectiveTo} onChange={(e) => setNewPlan({ ...newPlan, effectiveTo: e.target.value })} />
+                  </div>
+                </div>
+                <div>
+                  <Label>生效日期</Label>
+                  <Input type="date" value={newPlan.effectiveFrom} onChange={(e) => setNewPlan({ ...newPlan, effectiveFrom: e.target.value })} />
+                </div>
+                <div>
+                  <Label>备注</Label>
+                  <Input value={newPlan.description} onChange={(e) => setNewPlan({ ...newPlan, description: e.target.value })} placeholder="保障范围、免赔额等" />
+                </div>
+                <div className="flex justify-end gap-2 pt-2">
+                  <Button variant="secondary" size="sm" onClick={() => setShowAddPlan(false)}>取消</Button>
+                  <Button size="sm" onClick={handleSave} disabled={savePlanMutation.isPending}>
+                    {savePlanMutation.isPending ? '保存中...' : '保存'}
+                  </Button>
+                </div>
+              </div>
+            </div>
+          </Card>
+        </div>
+      )}
+    </div>
+  )
+}