Hartono MK, Lie G. Harmonization of Standard Insurance Clauses: A Consumer Protection and Fairness Perspective: Harmonisasi Klausula Baku Asuransi: Perspektif Perlindungan Konsumen dan Keadilan. acopen [Internet]. 2025 Dec. 3 [cited 2026 Feb. 15];10(2):10.21070/acopen.10.2025.12912. Available from: https://acopen.umsida.ac.id/index.php/acopen/article/view/12912