Rates are driven by your declaration of the cost of the trip. I used $500 and full medical, accident, list luggage and delay insurance so remained the same. It was for 1 month and cost $76usd. If it's used $2000, the cost would have been $260usd.
I buy travel insurance for the medical and evacuation. List luggage is a plus.
My guess is that it is because you are applying in country rather than you native land.... Hence they assume you would have gotten a bank account and should have put 800k in it.
John N Kwan you can access Google voice messages from anywhere. It's a website. You can't get forwarding to a foreign number, but you can access voice mail and txt messages from anywhere.