Sorn-In, Kanda, Pathamakorn Netayawijit, and Wirapong Chansanam. 2026. “A Unified Bayesian Framework for Accurate, Fair, and Uncertainty-Calibrated Healthcare Insurance Pricing”. Science Essence Journal 42 (1):71-95. https://ejournals.swu.ac.th/index.php/sej/article/view/17187.