Rheny Windi Nabila, Zayyan Tsabitah Panjaitan, Fikri Maulana Matullesy, Aldris Mulya Putra, and Syahrul Agil, “The Impact of the Covid-19 Pandemic on the Increase in Insurance Claims in Indonesia: An Empirical Study on BPJS Employment”, INS9MJ, vol. 2, no. 3, pp. 368–376, Dec. 2025.