Define your area of coverage
Most insurers have 2 categories: Worldwide and worldwide excluding USA. Some insurers have more specific geographical breakdown. Premium increases with wider area of coverage. With better definition, in some cases, it could reduce your premium by 60%. Table below shows how premium changes with different areas of coverage
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| Zone 1 | $2,236 | $5,082 | $5,707 | $7,654 |
| Zone 2 | $1,024 | $2,012 | $2,469 | $4,058 |
| Zone 3 | $1,000 | $1,967 | $2,421 | $3,968 |
| Zone 4 | $857 | $1,685 | $2,073 | $3,404 |
| Zone 5 | $793 | $1,563 | $1,925 | $3,156 |
| Zone 6 | $747 | $1,464 | $1,797 | $2,955 |
| Zone 7 | $694 | $1,367 | $1,680 | $2,760 |
| Zone 8 | $663 | $1,299 | $1,597 | $2,625 |
Note:
BUPA 2010 rate (US$), Lifeline Essential Plan, Nil excess, Annual premium per person
Zone 1: US and US Minor Outlying Islands
Zone 2: Hong Kong, Israel.
Zone 3: Bahrain, Greece, Guatemala, Honduras, Mexico
Zone 4: China, Indonesia, Jersey, Russian Federation, Singapore, Spain, Switzerland, UK
Zone 5: Includes countries like Argentina, Bangladesh, Bolivia, Brazil, Chile, Cuba, Germany, Haiti, Iran, Iraq, Puerto Rico, UAE, etc
Zone 6: Includes countries like Australia, Belgium, France, Macau, Maldives, Mauritius, Namibia, Nigeria, South Africa, Thailand, etc
Zone 7: Includes countries like Canada, Denmark, Hungary, Iceland, India, Japan, Malaysia, New Zealand, Philippines, Poland, etc
Zone 8: Includes countries like Algeria, Egypt, Ethiopia, Mozambique, Netherlands, Norway, Sri Lanka, Sweden, Taiwan, etc
