1.
Frestinawati S, Budhialon PR, Sari YIP. 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. esaprom [Internet]. 2026 Mar. 4 [cited 2026 May 12];5(03):477-85. Available from: https://ejournal.seaninstitute.or.id/index.php/esaprom/article/view/8274