Conan, a bit of a hypochondriac, decides that he should have…

Conan, a bit of a hypochondriac, decides that he should have MRIs covering his whole body and insists that his doctor order them. Conan tells his doctor that he is not concerned about cost because he has great insurance. Which of the following is the appropriate and recognized term for the problem associated with Conan’s behavior as far as an insurer is concerned?