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What Is the Term of the Following Definintion

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What is the term of the following definintion.
-Helps to reduce the moral hazard factor for the insured who has spent more than his or her deductible because health care is not free to the consumer.


Definitions:

Prenatal Environments

Refers to the physical, chemical, and biological conditions that affect a fetus within the womb.

Placentas

The organ in mammals that connects the developing fetus to the uterine wall, allowing nutrient uptake, waste elimination, and gas exchange via the mother's blood supply.

Evolutionary Psychology

A method in the social and natural sciences that studies psychological constructs using a current evolutionary viewpoint.

Genome

The complete set of DNA, including all of its genes, in an organism.

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