Zero conditional or first conditional

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If you don't take out travel insurance, you run the risk of paying expensive medical fees.

This example is from English File Upper-Intermediate 4th edition SB, p. 41.
They say there that it matches the description "a possible consequence". On the other hand, the tenses in it match the pattern of the zero conditional. So which one is it, zero or first?
 
Far from every conditional sentence fits into the zero/first/second/third/ mixed categories that some teachers and coursebook writers appear to suggest are how the system works.

It's more useful to consider what the conditional sentences do than how we label them. You may find the series of articles beginning here helpful: https://www.usingenglish.com/articles/conditional-sentences-in-english-1.html
 
I'd class this as a zero conditional, since it pertains to people in general and it uses simple verb aspect.

It appears you have the idea that if the result clause of a conditional sentence expresses a possible consequence, then it should be classed as a first conditional. That's wrong.
 
Thank you very much for clarifying this.
 
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