Hi there, It Helps to understand how hospital riders work. Hospital riders covers different costs such as the deductibles (ward associated costs) and co-insurance (a kind of cost that payee makes which is 10% of their total bill less deductibles). As the rider covers these costs, it means it also covers the entire hospital bill since the ISP alone covers the surgical/hospitalisation costs. The different riders, of course, covers different extent of the different costs. If you feel that financially its a stretch, you can think of downgrading it. Do note that after downgrading it, you will have to make a mandatory 5% co-payment (different from co-insurance) For your hospital bills. Regarding the costs to pay for insurance, the total costs of insurance really Should not take up more than 10% of your annual income (including health, life/CI insurance etc). Health plans are typically a flat out rate given so there is little control over that, unless you downgrade your ISP to public hospital coverage or the rider itself. So it boils down to what is your financial Status, comfort level and preference. Ultimately do seek out the advice of a financial advisor to explore your options. Financial planning is an integral part of life. You can reach me here to find out more. .