A Unified Bayesian Framework for Accurate, Fair, and Uncertainty-Calibrated Healthcare Insurance Pricing. Science Essence Journal, [S. l.], v. 42, n. 1, p. 71–95, 2026. DOI: 10.69523/sej.2026.42.17187. Disponível em: https://ejournals.swu.ac.th/sej/article/view/17187. Acesso em: 23 oct. 2026.