Healthcare expenses vary across Indian cities and towns. Metropolitan areas often incur higher medical costs, contrasting with towns and non-metro cities, where healthcare expenses tend to be relatively more affordable. For instance, medical treatment required for a 2-day hospitalisation may be higher in the national capital, New Delhi, than in Bhopal, Madhya Pradesh. So, getting similar health insurance premiums may not be possible for people living in different parts of the country. This is when zone-based health insurance such as Care Classic becomes important. Let's dig deeper into how different zones work in defining insurance premium.