Stochastic Multi-State Modeling for Critical Illness Insurance With Integration of Non-Homogeneous Trends and Pandemic Shocks. IAJ [Internet]. 2026 Jul. 31 [cited 2026 Jul. 31];2(1):081-95. Available from: https://iaj.aktuaris.or.id/index.php/iaj/article/view/iajvol2no1pp081-095