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Possessing a problem of Moral Hazard

I have a problem in economics on possessing a problem of Moral Hazard. Please help me in the following question. The Moral hazard poses a problem if: (i) People with health insurance acquire flu shots. (ii) Persons who are sicker purchase health insurance. (iii) Drivers with collision Insurance Park in hazardous regions. (iv) A diabetic purchases surplus insulin.

Select the most accurate answer from the above.

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