.insurance-section{padding:var(--spacing-xxl) 0;background-color:var(--color-white)}.insurance-section h2{text-align:center;margin-bottom:var(--spacing-xl);font-size:2.2rem;color:var(--color-primary)}.section-intro{text-align:center;font-size:1.1rem;color:var(--color-dark-gray);max-width:600px;margin:0 auto var(--spacing-xxl);line-height:1.8}.insurance-tabs{display:flex;gap:var(--spacing-md);margin-bottom:var(--spacing-xxl);border-bottom:2px solid var(--color-border);flex-wrap:wrap}.tab-btn{padding:var(--spacing-md) var(--spacing-lg);background:none;border:none;border-bottom:3px solid transparent;color:var(--color-dark-gray);font-size:1.1rem;font-weight:600;cursor:pointer;transition:all .3s ease;position:relative;bottom:-2px}.tab-btn:hover{color:var(--color-secondary)}.tab-btn.active{color:var(--color-accent);border-bottom-color:var(--color-accent)}.tab-content{animation:fadeIn .3s ease}@keyframes fadeIn{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}.insurance-card{background-color:var(--color-light-gray);padding:var(--spacing-xl);border-radius:12px;margin-bottom:var(--spacing-xl);border-left:4px solid var(--color-accent)}.insurance-card h3{color:var(--color-primary);margin-top:0;margin-bottom:var(--spacing-lg);font-size:1.5rem}.insurance-card h4{color:var(--color-secondary);margin-top:var(--spacing-lg);margin-bottom:var(--spacing-md);font-size:1.1rem}.insurance-card p{color:var(--color-dark-gray);line-height:1.8;margin-bottom:var(--spacing-md)}.info-list{list-style:none;padding:0;margin:0}.info-list li{padding:var(--spacing-sm) 0 var(--spacing-sm) var(--spacing-lg);position:relative;color:var(--color-dark-gray)}.info-list li:before{content:"→";position:absolute;left:0;color:var(--color-accent);font-weight:700}.factors-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:var(--spacing-lg);margin-top:var(--spacing-lg);margin-bottom:var(--spacing-lg)}.factor-card{background-color:var(--color-white);padding:var(--spacing-lg);border-radius:8px;border-top:3px solid var(--color-secondary);box-shadow:var(--shadow-light)}.factor-card h4{margin:0 0 var(--spacing-sm) 0;color:var(--color-primary);font-size:1rem}.factor-card p{margin:0;font-size:.95rem;color:var(--color-dark-gray)}.calculation-info{background-color:#e3f2fd;padding:var(--spacing-lg);border-left:4px solid var(--color-accent);border-radius:6px;margin-bottom:0;color:#1e3a5f}.docs-list{list-style:none;padding:0;margin:0}.docs-list li{padding:var(--spacing-md) 0 var(--spacing-md) var(--spacing-xl);position:relative;color:var(--color-dark-gray);border-bottom:1px solid var(--color-border)}.docs-list li:last-child{border-bottom:none}.docs-list li:before{content:"📄";position:absolute;left:0}.coverage-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:var(--spacing-lg);margin-top:var(--spacing-lg);margin-bottom:var(--spacing-lg)}.coverage-item{background-color:var(--color-white);padding:var(--spacing-lg);border-radius:8px;display:flex;gap:var(--spacing-md);box-shadow:var(--shadow-light);transition:all .3s ease}.coverage-item:hover{box-shadow:var(--shadow-medium);transform:translateY(-2px)}.coverage-icon{font-size:2rem;flex-shrink:0}.coverage-item h5{margin:0 0 var(--spacing-sm) 0;color:var(--color-primary)}.coverage-item p{margin:0;font-size:.95rem;color:var(--color-dark-gray)}.mini-kasko-list{list-style:none;padding:0;margin:0}.mini-kasko-list li{padding:var(--spacing-md) 0;color:var(--color-dark-gray);border-bottom:1px solid var(--color-border)}.mini-kasko-list li:last-child{border-bottom:none}.mini-kasko-list strong{color:var(--color-primary)}@media (max-width: 1024px){.insurance-section{padding:var(--spacing-xl) 0}.insurance-section h2{font-size:1.8rem}.insurance-tabs{justify-content:center;flex-wrap:wrap}.tab-btn{padding:var(--spacing-sm) var(--spacing-md);font-size:.95rem;min-height:48px;display:flex;align-items:center}.insurance-card{padding:var(--spacing-lg)}.factors-grid,.coverage-list{grid-template-columns:1fr}}@media (max-width: 768px){.insurance-section{padding:var(--spacing-xl) 0}.insurance-section h2{font-size:1.8rem}.insurance-tabs{justify-content:center;flex-wrap:wrap;gap:var(--spacing-sm)}.tab-btn{padding:var(--spacing-sm) var(--spacing-md);font-size:.95rem;min-height:44px;display:flex;align-items:center}.insurance-card{padding:var(--spacing-lg)}.factors-grid,.coverage-list{grid-template-columns:1fr}.factor-card,.coverage-item{padding:var(--spacing-lg);min-height:100px;display:flex;flex-direction:column;justify-content:center}.coverage-icon{min-height:44px;display:flex;align-items:center}.docs-list li{padding:var(--spacing-md) 0 var(--spacing-md) var(--spacing-lg);min-height:44px;display:flex;align-items:center}}@media (max-width: 480px){.insurance-section h2{font-size:1.5rem}.insurance-tabs{gap:var(--spacing-sm)}.tab-btn{padding:var(--spacing-sm);font-size:1rem}.insurance-card{padding:var(--spacing-md)}.insurance-card h3{font-size:1.25rem}.insurance-card h4{font-size:1rem}.factor-card h4,.coverage-item h5{font-size:.95rem}}