New India introduces different rates for 3 zones in India

For motor insurance India used to be divided into 2 zones.
But for health insurance New India has divided India into 3 zones;
Zone 1 Mumbai
Zone 2 Delhi/Bangalore
Zone 3 Rest of India
The question arises ;
As the difference between rates for 3 zones is very small,is it worthwhile to have 3 rates?
A person from zone 3 wishes to go to Delhi or Mumbai for treatment because facilities are not available in his home town in zone 3.Will he be permitted to undergo treatment or not?
A person from zone 3 goes to Mumbai and claims I am visiting Mumbai-will he be permitted treatment for the disease which he could have got treated in his home town in zone 3?

Will 3 rates result in customer satisfaction or dissatisfaction?
Let us wait and watch.