{
    "metadata": {
        "source": "IRDAI and NHA PMJAY city classification",
        "description": "Indian cities classified into IRDAI-recognized tiers for insurance cost benchmarking",
        "last_updated": "2025-01-01"
    },
    "tier_1": {
        "description": "Metro cities — highest hospital costs, most network hospitals",
        "cities": [
            "Mumbai",
            "Navi Mumbai",
            "Thane",
            "Delhi",
            "New Delhi",
            "Gurgaon",
            "Gurugram",
            "Noida",
            "Greater Noida",
            "Ghaziabad",
            "Faridabad",
            "Bangalore",
            "Bengaluru",
            "Chennai",
            "Kolkata",
            "Hyderabad",
            "Secunderabad",
            "Pune",
            "Ahmedabad"
        ],
        "hospital_chains": [
            "Apollo",
            "Fortis",
            "Max",
            "Manipal",
            "Medanta",
            "Narayana Health",
            "AIIMS",
            "Kokilaben",
            "Hinduja",
            "Lilavati"
        ]
    },
    "tier_2": {
        "description": "State capitals and major cities — moderate hospital costs",
        "cities": [
            "Jaipur",
            "Lucknow",
            "Kanpur",
            "Nagpur",
            "Indore",
            "Bhopal",
            "Chandigarh",
            "Mohali",
            "Panchkula",
            "Coimbatore",
            "Madurai",
            "Trichy",
            "Kochi",
            "Thiruvananthapuram",
            "Kozhikode",
            "Visakhapatnam",
            "Vijayawada",
            "Patna",
            "Ranchi",
            "Bhubaneswar",
            "Guwahati",
            "Dehradun",
            "Surat",
            "Vadodara",
            "Rajkot",
            "Mysuru",
            "Mangalore",
            "Hubli",
            "Jodhpur",
            "Udaipur",
            "Kota",
            "Raipur",
            "Amritsar",
            "Ludhiana",
            "Varanasi",
            "Allahabad",
            "Prayagraj",
            "Agra",
            "Meerut",
            "Nashik",
            "Aurangabad",
            "Kolhapur",
            "Jabalpur",
            "Gwalior"
        ]
    },
    "tier_3": {
        "description": "Smaller cities, towns, and rural areas — lowest hospital costs",
        "note": "Any city not listed in Tier 1 or Tier 2 defaults to Tier 3",
        "examples": [
            "Aligarh",
            "Moradabad",
            "Bareilly",
            "Mathura",
            "Bhilai",
            "Bilaspur",
            "Korba",
            "Siliguri",
            "Durgapur",
            "Asansol",
            "Nanded",
            "Solapur",
            "Latur",
            "Shimla",
            "Jammu",
            "Srinagar",
            "Gangtok",
            "Imphal",
            "Shillong"
        ]
    },
    "hospital_keywords_to_tier": {
        "apollo": "tier_1",
        "fortis": "tier_1",
        "max healthcare": "tier_1",
        "medanta": "tier_1",
        "manipal": "tier_1",
        "narayana": "tier_1",
        "kokilaben": "tier_1",
        "aiims": "tier_1",
        "hinduja": "tier_1",
        "lilavati": "tier_1",
        "tata memorial": "tier_1",
        "breach candy": "tier_1",
        "christian medical college": "tier_2",
        "cmc vellore": "tier_2",
        "pgimer": "tier_2",
        "district hospital": "tier_3",
        "primary health": "tier_3",
        "community health": "tier_3",
        "government hospital": "tier_3"
    }
}