HARTONO, M. K.; LIE, G. Harmonization of Standard Insurance Clauses: A Consumer Protection and Fairness Perspective: Harmonisasi Klausula Baku Asuransi: Perspektif Perlindungan Konsumen dan Keadilan. Academia Open, [S. l.], v. 10, n. 2, p. 10.21070/acopen.10.2025.12912, 2025. DOI: 10.21070/acopen.10.2025.12912. Disponível em: https://acopen.umsida.ac.id/index.php/acopen/article/view/12912. Acesso em: 15 feb. 2026.