I am planning to buy a floater mediclaim policy for my parents from New India Assurance. They are living as per the zone divided by New India Assurance in “Rest Of India”.

But I am working currently in Mumbai which comes in Zone 1. Can I take my parents policy from Zone 1?

Are there any disadvantage? Also, I have seen if I take policy from Zone 3, I will be given only 80 % amount if I treated in Zone 1 i.e upper zone.