Jaiswal, Dr. Ravi. “Artificial Intelligence and Machine Learning in Indian Health Insurance: A Critical Analysis and the SUTRA Framework for Risk Assessment and Moral Hazard Containment”. International Journal of Artificial Intelligence and Machine Learning, vol. 6, no. 11s, Sept. 2026, pp. 636-57, https://mail.svedbergopen.com/index.php/ijaiml/article/view/2176.