CHRISTINE, Grace; ANINDHITA SEKARSARI, Ayu; IRAWAN, Budy; PUSPITALOKA MAHADEWI, Erlina. The Moral Hazard Phenomenon in Health Insurance: A Review of Driving Factors and Control Strategies. International Journal of Health and Pharmaceutical (IJHP), [S. l.], v. 5, n. 2, p. 330–336, 2025. DOI: 10.51601/ijhp.v5i2.348. Disponível em: https://ijhp.net/index.php/IJHP/article/view/348. Acesso em: 25 mar. 2026.