Hisam Ahyani, and Rizki Khoiril Waladi Siahaan. “Transparency of Exclusion Clauses in Insurance Contracts: Reconstructing Insurers’ Legal Liability for Claim Rejection”. Jurnal Cendikia ISNU SU 3, no. 2 (September 30, 2026): 436–452. Accessed October 1, 2026. https://journal.isnu-sumut.org/index.php/jcisnu/article/view/1961.