FRESTINAWATI, S.; BUDHIALON, P. R.; SARI, Y. I. P. Analysis of Loss Ratio and Determinants of High Health Insurance Claims in Employee Benefit Programs: A Case Study of PT XYZ for the 2024–2025 Period. Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID), [S. l.], v. 5, n. 03, p. 477–485, 2026. Disponível em: https://ejournal.seaninstitute.or.id/index.php/esaprom/article/view/8274. Acesso em: 12 may. 2026.