HISAM AHYANI; RIZKI KHOIRIL WALADI SIAHAAN. Transparency of Exclusion Clauses in Insurance Contracts: Reconstructing Insurers’ Legal Liability for Claim Rejection. Jurnal Cendikia ISNU SU , [S. l.], v. 3, n. 2, p. 436–452, 2026. DOI: 10.70826/jcisnu.v3i2.1961. Disponível em: https://journal.isnu-sumut.org/index.php/jcisnu/article/view/1961. Acesso em: 1 oct. 2026.