fix(plan): 修正 coverage 与 annual_premium 字段映射错误

修复 coverage 字段错误映射到 annual_premium API 字段的问题，
新增独立的 annual_premium 字段定义，同步更新 API 文档。

- coverage 现正确映射到 coverage API 字段（保额）
- annual_premium 独立映射到 annual_premium API 字段（年缴保费）
- 更新 API 文档补充 coverage 参数和完整请求示例

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

@@ -569,7 +569,7 @@ GET /api/plan/config/:form_sn
       },
       "submit_mapping": {
         "customer_name": { "api_field": "customer_name" },
-        "coverage": { "api_field": "annual_premium", "transform": "fen_to_yuan" }
+        "annual_premium": { "api_field": "annual_premium", "transform": "fen_to_yuan" }
         // ... 更多映射
       }
     }
@@ -676,7 +676,7 @@ CREATE TABLE product_configs (
   },
   "submit_mapping": {
     "customer_name": { "api_field": "customer_name" },
-    "coverage": { "api_field": "annual_premium", "transform": "fen_to_yuan" }
+    "annual_premium": { "api_field": "annual_premium", "transform": "fen_to_yuan" }
   }
 }
 ```

@@ -616,7 +616,7 @@
     "submit_mapping": {
       "customer_name": { "api_field": "customer_name" },
       "gender": { "api_field": "customer_gender" },
-      "coverage": { "api_field": "annual_premium", "transform": "fen_to_yuan" },
+      "annual_premium": { "api_field": "annual_premium", "transform": "fen_to_yuan" },
       "payment_period": { "api_field": "payment_years" },
       "withdrawal_enabled": { "api_field": "allow_reduce_amount" },
       "withdrawal_mode": { "api_field": "withdrawal_option" },

@@ -79,7 +79,7 @@ const reset_map = {
 ```javascript
 // submit_mapping 示例（金额字段统一从分转元）
 const submit_mapping = {
-    coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
+    annual_premium: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
     annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
     withdrawal_mode: { api_field: 'withdrawal_option' }
 }
@@ -101,7 +101,7 @@ const submit_mapping = {
     withdrawal_modes: ['年龄指定金额', '最高固定金额'],
     withdrawal_periods: ['1年', '3年', '5年', '10年'],
     form_schema: { base_fields: [], withdrawal_fields: [], reset_map: {} },
-    submit_mapping: { coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' } },
+    submit_mapping: { annual_premium: { api_field: 'annual_premium', transform: 'fen_to_yuan' } },
     source_file: '产品说明书.pdf',
     warnings: []
 }

@@ -52,15 +52,12 @@ paths:
                 customer_age:
                   type: integer
                   title: 年龄
-                  description: 与 customer_birthday 二选一，至少提供一个
                 customer_birthday:
                   type: string
                   title: 出生年月日
-                  format: date
-                  description: 与 customer_age 二选一，至少提供一个。格式：YYYY-MM-DD
                 annual_premium:
                   type: integer
-                  title: 保额
+                  title: 年缴保费
                 payment_years:
                   type: string
                   title: 繳費年期
@@ -94,12 +91,14 @@ paths:
                 annual_increase_percentage:
                   type: integer
                   title: 每年递增提取百分比
+                coverage:
+                  type: string
+                  title: 保额
               required:
                 - customer_name
                 - customer_gender
-                # 年龄与出生年月日二选一（至少提供一个）
-                # - customer_age
-                # - customer_birthday
+                - customer_age
+                - customer_birthday
                 - annual_premium
                 - payment_years
                 - currency_type
@@ -112,12 +111,14 @@ paths:
                 - product_id
                 - annual_increase_percentage
                 - annual_withdrawal_amount
+                - coverage
               x-apifox-orders:
                 - customer_name
                 - customer_gender
                 - customer_age
                 - annual_premium
                 - payment_years
+                - coverage
                 - currency_type
                 - product_id
                 - customer_birthday
@@ -129,7 +130,23 @@ paths:
                 - total_premium
                 - annual_withdrawal_amount
                 - annual_increase_percentage
-            example: "{\r\n        customer_name: '张三',\r\n        customer_gender: 'male',\r\n        customer_age: 30,\r\n        annual_premium: 5000,\r\n        payment_years: '10年',\r\n        currency_type: 'CNY',\r\n        product_id: 1\r\n    }"
+            example:
+              customer_name: 张三
+              customer_gender: 男
+              customer_age: 30
+              annual_premium: 5000
+              payment_years: 10年
+              currency_type: CNY
+              product_id: 3151974
+              customer_birthday: '2025-03-21'
+              allow_reduce_amount: 是
+              withdrawal_option: 指定提取金额
+              withdrawal_start_age: 60
+              withdrawal_period: 10
+              smoking_status: 否
+              total_premium: 0
+              annual_withdrawal_amount: 6
+              annual_increase_percentage: 33
       responses:
         '200':
           description: ''
@@ -169,15 +186,13 @@ paths:
           x-apifox-ordering: 0
       security: []
       x-apifox-folder: 计划书
-      x-apifox-status: developing
+      x-apifox-status: released
       x-run-in-apifox: https://app.apifox.com/web/project/7792797/apis/api-417310981-run
 components:
   schemas: {}
   responses: {}
   securitySchemes: {}
-servers:
-  - url: https://manulife.onwall.cn
-    description: 正式环境
+servers: []
 security: []
 
-```\
+```

@@ -13,9 +13,9 @@ const Api = {
  * @param {Object} params 请求参数
  * @param {string} params.customer_name 申请人
  * @param {string} params.customer_gender 性别
- * @param {integer} params.customer_age (可选) 与 customer_birthday 二选一，至少提供一个
- * @param {string} params.customer_birthday (可选) 与 customer_age 二选一，至少提供一个。格式：YYYY-MM-DD
- * @param {integer} params.annual_premium 保额
+ * @param {integer} params.customer_age 年龄
+ * @param {string} params.customer_birthday 出生年月日
+ * @param {integer} params.annual_premium 年缴保费
  * @param {string} params.payment_years 繳費年期
  * @param {string} params.currency_type 币种
  * @param {string} params.allow_reduce_amount 是否容许减少名义金额
@@ -27,6 +27,7 @@ const Api = {
  * @param {integer} params.product_id 产品id
  * @param {integer} params.annual_withdrawal_amount 每年提取金额
  * @param {integer} params.annual_increase_percentage 每年递增提取百分比
+ * @param {string} params.coverage 保额
  * @returns {Promise<{
  *   code: number; // 状态码
  *   msg: string; // 消息

@@ -277,7 +277,8 @@ const submit = async () => {
       gender: { api_field: 'customer_gender' },
       birthday: { api_field: 'customer_birthday' },
       smoker: { api_field: 'smoking_status' },
-      coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
+      coverage: { api_field: 'coverage', transform: 'fen_to_yuan' },
+      annual_premium: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
       payment_period: { api_field: 'payment_years' },
       withdrawal_enabled: { api_field: 'allow_reduce_amount' },
       withdrawal_mode: { api_field: 'withdrawal_option' },

+import { describe, expect, it } from 'vitest'
+import { PLAN_TEMPLATES } from '../plan-templates'
+import { PLAN_FIELD_DEFINITIONS } from '../plan-fields'
+
+describe('plan template amount field mapping', () => {
+  it('should map protection coverage to coverage api field', () => {
+    expect(PLAN_TEMPLATES['life-insurance-wiop3e'].config.submit_mapping.coverage).toEqual({
+      api_field: 'coverage',
+      transform: 'fen_to_yuan'
+    })
+  })
+
+  it('should use annual_premium field for savings schema and submit mapping', () => {
+    const savingsConfig = PLAN_TEMPLATES['savings-gs'].config
+    const annualPremiumField = savingsConfig.form_schema.base_fields.find(field => field.key === 'annual_premium')
+
+    expect(annualPremiumField).toMatchObject({
+      key: 'annual_premium',
+      label: '年缴保费',
+      type: 'amount'
+    })
+
+    expect(savingsConfig.submit_mapping.annual_premium).toEqual({
+      api_field: 'annual_premium',
+      transform: 'fen_to_yuan'
+    })
+
+    expect(savingsConfig.submit_mapping.coverage).toBeUndefined()
+  })
+})
+
+describe('plan field definitions amount semantics', () => {
+  it('should expose separate coverage and annual_premium definitions', () => {
+    expect(PLAN_FIELD_DEFINITIONS.coverage).toMatchObject({
+      label: '保额',
+      api_field: 'coverage',
+      transform: 'fen_to_yuan'
+    })
+
+    expect(PLAN_FIELD_DEFINITIONS.annual_premium).toMatchObject({
+      label: '年缴保费',
+      api_field: 'annual_premium',
+      transform: 'fen_to_yuan'
+    })
+  })
+})

@@ -51,6 +51,7 @@ export const TRANSFORM_TYPES = {
  * @property {Object} birthday - 出生日期
  * @property {Object} smoker - 是否吸烟
  * @property {Object} coverage - 保额
+ * @property {Object} annual_premium - 年缴保费
  * @property {Object} payment_period - 缴费年期
  * @property {Object} withdrawal_enabled - 是否启用提取
  * @property {Object} withdrawal_mode - 提取模式
@@ -126,13 +127,13 @@ export const PLAN_FIELD_DEFINITIONS = {
   },
 
   /**
-   * 保额（年缴）
+   * 保额
    */
   coverage: {
     label: '保额',
     type: FIELD_TYPES.AMOUNT,
     required: true,
-    api_field: 'annual_premium',
+    api_field: 'coverage',
     transform: TRANSFORM_TYPES.FEN_TO_YUAN,
     component: 'PlanFieldAmount',
     group: FIELD_GROUPS.COVERAGE,
@@ -145,6 +146,25 @@ export const PLAN_FIELD_DEFINITIONS = {
   },
 
   /**
+   * 年缴保费
+   */
+  annual_premium: {
+    label: '年缴保费',
+    type: FIELD_TYPES.AMOUNT,
+    required: true,
+    api_field: 'annual_premium',
+    transform: TRANSFORM_TYPES.FEN_TO_YUAN,
+    component: 'PlanFieldAmount',
+    group: FIELD_GROUPS.COVERAGE,
+    placeholder: '请输入年缴保费',
+    validation: {
+      required: (value) => value > 0,
+      min: (value, config) => value >= (config?.min_coverage || 1000),
+      max: (value, config) => value <= (config?.max_coverage || 10000000)
+    }
+  },
+
+  /**
    * 缴费年期
    */
   payment_period: {

@@ -43,7 +43,7 @@ const baseSubmitMapping = {
   age: { api_field: 'customer_age' },
   birthday: { api_field: 'customer_birthday' },
   smoker: { api_field: 'smoking_status' },
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
+  coverage: { api_field: 'coverage', transform: 'fen_to_yuan' },
   payment_period: { api_field: 'payment_years' },
   total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' }
 }
@@ -70,7 +70,7 @@ const savingsSubmitMapping = {
   age: { api_field: 'customer_age' },
   birthday: { api_field: 'customer_birthday' },
   // smoker: { api_field: 'smoking_status' }, // 储蓄类产品不需要吸烟字段
-  coverage: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
+  annual_premium: { api_field: 'annual_premium', transform: 'fen_to_yuan' },
   payment_period: { api_field: 'payment_years' },
   total_amount: { api_field: 'total_premium', transform: 'fen_to_yuan' },
   withdrawal_enabled: { api_field: 'allow_reduce_amount' },
@@ -97,7 +97,7 @@ const savingsFormSchema = {
     // 年龄与出生年月日二选一填写
     { id: 'age', key: 'age', type: 'age', label: '年龄', placeholder: '请输入年龄', input_label: '岁', required: false },
     { id: 'birthday', key: 'birthday', type: 'date', label: '出生年月日', placeholder: '请选择年月日', required: false },
-    { id: 'coverage', key: 'coverage', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
+    { id: 'annual_premium', key: 'annual_premium', type: 'amount', label: '年缴保费', placeholder: '请输入年缴保费', input_label: '请输入年缴保费金额', required: true, currency_from: 'currency' },
     { id: 'payment_period', key: 'payment_period', type: 'payment_period', label: '缴费年期', required: true, options_from: 'payment_periods' }
   ],
   // 提取计划字段：由 withdrawal_plan 开关控制