feat(health): 消息推送集成 — 定时任务启动 + 预约提醒事件

- erp-server: 启动逾期随访检查(6h)、积分过期(24h)、预约提醒(1h) 定时任务
- appointment_service: 新增 send_reminders 扫描明日确认预约发送事件
- erp-message: 订阅 appointment.reminder 事件，向患者发送提醒消息

crates/erp-server/src/main.rs

@@ -414,8 +414,17 @@ async fn main() -> anyhow::Result<()> {
     erp_workflow::WorkflowModule::start_timeout_checker(db.clone(), event_bus.clone());
     tracing::info!("Timeout checker started");
 
-    // Start follow-up overdue checker (handled by HealthModule::on_startup)
-    tracing::info!("Follow-up overdue checker delegated to module on_startup");
+    // Start follow-up overdue checker (every 6h)
+    erp_health::HealthModule::start_overdue_checker(db.clone());
+    tracing::info!("Follow-up overdue checker started");
+
+    // Start points expiration checker (every 24h)
+    erp_health::HealthModule::start_points_expiration_checker(db.clone(), event_bus.clone());
+    tracing::info!("Points expiration checker started");
+
+    // Start appointment reminder scheduler (every 1h)
+    erp_health::HealthModule::start_appointment_reminder(db.clone(), event_bus.clone());
+    tracing::info!("Appointment reminder scheduler started");
 
     let host = config.server.host.clone();
     let port = config.server.port;