@book{172825,
	author = {Mwembe, Desmond. and Prof B. C Jones.},
	title = {Optimal pricing of health insurance schemes in a heterogeneous and changing population /},
	publisher = {National University of Science and Technology ,},
	year = {©2023.},
	address = {Bulawayo, Zimbabwe :},
	note = {A thesis submitted in partial fulfilment of Doctor of Philosophy in Statistics.}
}