CREATE TABLE IF NOT EXISTS insurance_payments (
    id INT AUTO_INCREMENT PRIMARY KEY,
    insurance_company_id INT NOT NULL,
    amount DECIMAL(10, 2) NOT NULL,
    payment_date DATE NOT NULL,
    reference_number VARCHAR(100) DEFAULT NULL,
    notes TEXT DEFAULT NULL,
    created_at TIMESTAMP DEFAULT CURRENT_TIMESTAMP,
    FOREIGN KEY (insurance_company_id) REFERENCES insurance_companies(id) ON DELETE CASCADE
);