@prefix n9j: <http://data.loterre.fr/ark:/67375/N9J> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .
@prefix isothes: <http://purl.org/iso25964/skos-thes#> .

n9j:-T1J8KJRH-Z
  skos:prefLabel "health insurance"@en ;
  a skos:Concept ;
  skos:narrower n9j:-QW86P07M-B .

n9j:-QW86P07M-B
  owl:sameAs <https://concepts.sagepub.com/social-science/concept/coinsurance> ;
  skos:definition "Coinsurance, copays, and deductibles are utilization management tools used by health insurers to limit the extent of moral hazard. Moral hazard is the tendency of individuals to use more healthcare services because they are insured. [Source: Encyclopedia of Health Services Research; Coinsurance, Copays, and Deductibles]"@en ;
  a skos:Concept ;
  skos:inScheme n9j: ;
  skos:broader n9j:-T1J8KJRH-Z ;
  skos:prefLabel "coinsurance"@en .

n9j:-concepts
  a isothes:ConceptGroup ;
  skos:prefLabel "concepts"@en ;
  skos:member n9j:-QW86P07M-B .

n9j: a skos:ConceptScheme .