.insurance-option {
    margin: 15px 0;
    padding: 10px 14px;
    border: 2px solid #83b0c5ff;
    border-radius: 12px;
    background: #f0faff;
    transition: all 0.3s ease;
    box-shadow: 0 2px 6px rgba(0,0,0,0.08);
}
.insurance-option:hover {
    background: #e6f4ff;
    border-color: #277da8ff;
    box-shadow: 0 4px 12px rgba(0,0,0,0.12);
}
.insurance-label {
    cursor: pointer;
    display: flex;
    align-items: center;
    font-size: 14px;
    font-weight: 600;
    color: #004466;
    flex-wrap: wrap;
    gap: 6px;
}
.insurance-label input { display: none; }
.insurance-checkmark {
    width: 22px;
    height: 22px;
    border: 2px solid #0073aa;
    border-radius: 6px;
    margin-right: 10px;
    position: relative;
    transition: all 0.2s ease;
    background: #fff;
    flex-shrink: 0;
}
.insurance-label input:checked + .insurance-checkmark {
    background: #0073aa;
    border-color: #005f8d;
}
.insurance-label input:checked + .insurance-checkmark:after {
    content: "";
    position: absolute;
    left: 6px;
    top: 2px;
    width: 6px;
    height: 12px;
    border: solid #fff;
    border-width: 0 2px 2px 0;
    transform: rotate(45deg);
}
.insurance-icon {
    font-size: 20px;
    margin-right: 8px;
    color: #0073aa;
}
.insurance-price {
    color: red;
    font-weight: bold;
    font-size: 14px;
}