For hospitalisation insurance, is it better to pay more premiums to have a plan which only needs to pay 5% co-payment. Or to pay less premiums but foot the deductibles?

Im considering between GE and Aviva. To me, both the basic IPs are quite similar in terms of benefits but it's the riders where they differ. I'm planning to get the private hospital coverage with rider.

GE covers deductibles and you pay only 5%, with a cap of 3k with certificate of pre authorization. Their premiums are higher at about 1.5-2 times that of Aviva
Aviva covers 50% of co-payment (subject to same cap as GE) but I pay deductibles. For private it's about 5k and B1 3.7k.