Hospital Insurance Rider

Hi,

Currently for hospital insurance i have old plan of Prudential which is
Prushield Premier (Cover Private hospital) + Rider Prushield Extra Premier (Cover 100% deductible & 100% co-insurance)

with ANB 43, the premium for rider will become 188$/month

The problem is Prudential keep increasing the premium significantly every year (like 30-50$/month increase every year)

plus they have claim based pricing policy when you claim on private hospital they will increase up to 3x for the next year premium ( and will only reduced staggered yearly in 5 years to be back to 1x premium price)

So should i change to other insurance or downgrade to rider that not cover 100% (95% deductible + 50% co insurance)