H. Hamzah, P. Bakit, M. A. Noor Azmi, A. N. Aizuddin, and F. Daud, “Willingness To Pay for Future National Health Insurance Scheme: A Study Among Health Sector Employees in Kuala Lumpur, Malaysia”, Int. J. Pub. Health Res., vol. 15, no. 2, pp. 2268–2274, Sep. 2025.