Explain which types of insurance coverage within each pair would be more likely to cause more problems resulting from moral hazard.

Indemnity payments of $10,000 for each eye or limb lost or Indemnity payments of $50 for each day spent in a nursing home

Treatment in an emergency room or Treatment in an intensive care unit

Arthroscopic surgery for knee injuries or Amputation for foot injuries

Family counseling or Electroconvulsive therapy