Oak processionary posed a health threat. In April 2018, an outbreak of the caterpillars was reported across Greater London and surrounding areas. The moth is now fairly common in Belgium, notably in the Campine but also elsewhere, with fluctuating population numbers from year to year. In 2007 infestations in the Belgian province of Limburg were so acute that soldiers were deployed to burn them. In the Netherlands, the caterpillars are dealt with by biological pest control. Local authorities use, like in Germany, fluids containing bacteria that are toxic only to the caterpillars. These fluids are sprayed onto the infected trees. Furthermore, an
Moral hazard to pay for more of the negative consequences from risk as insurance coverage increases. For example, without medical insurance, some may forgo medical treatment due to its costs and simply deal with substandard health. But after medical insurance becomes available, some may ask an insurance provider to pay for the cost of medical treatment that would not have occurred otherwise. Sometimes moral hazard is so severe it makes insurance policies impossible. Coinsurance, co-payments, and deductibles reduce the risk of moral hazard by increasing the out-of-pocket spending of consumers, which decreases their incentive to consume. Thus, the insured have a financial