HARRIS, R. .; BESESAR, S. . Anti-selection in voluntary health insurance markets: A focus on medical schemes in South Africa. South African Actuarial Journal, [S. l.], v. 21, n. 1, 2022. DOI: 10.4314/saaj.v21i1.5. Disponível em: https://www.ajol.info/index.php/saaj/article/view/238915. Acesso em: 30 sep. 2026.