WILLIE, M. M. Extremal Application of Underwriting Instruments in South African Medical Schemes, 2015–2024: A Peaks-Over-Threshold Analysis with Policy Implications. Indonesian Journal of Health Insurance and Medical Records (IJHIMR), [S. l.], v. 3, n. 2, p. 304–313, 2026. DOI: 10.31290/ijhimr.v3i2.6672. Disponível em: https://trial-ojs.poltekkes-malang.ac.id/ijhimr/article/view/6672. Acesso em: 25 oct. 2026.