Stochastic Multi-State Modeling for Critical Illness Insurance With Integration of Non-Homogeneous Trends and Pandemic Shocks. Indonesian Actuarial Journal, [S. l.], v. 2, n. 1, p. 081–095, 2026. DOI: 10.65689/iajvol2no1pp081-095. Disponível em: https://iaj.aktuaris.or.id/index.php/iaj/article/view/iajvol2no1pp081-095. Acesso em: 31 jul. 2026.