Need helps deciding Integrated Shield Plan among NTUC Income, AXA and Raffles.

Hi! I'm below 35, female with no pre-existing conditions, looking to buy a private hospital Integrated Shield Plan, ideally 5% copayment.

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I have spent some time comparing the insurers in the market and managed to narrow down my choices to NTUC Income, AXA and Raffles.

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(I did not consider Great Eastern and Prudential because they are claim-based pricing, Avaiva and AIA are expensive for me)

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Among NTUC Income, AXA and Raffles, I'm more familiar with Enhanced Income Shield Preferred. The plan looks good in general, but the Deluxe Care Rider (5% copay) is expensive and could become unmanegeable to me as I age ($286 + $632 for rider). I might have to go for Classis Care Rider (10% copay) instead. Due to this, I started looking into other private hospital plans with 5% copay.

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AXA Shield + AXA Enhanced Care (5% copay) is more affortable. For my age band, it would be around $292 + $374 (rider). I did compare AXA medical coverage to NTUC Income but didn't find obvious catches. I know that AXA has less panel hospitals. Are there anything else that I should be aware of?

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I also did some research on Raffles. The premium is $339 + $297 (Raffles Key Rider). Similarly, the medical coverage looks ok to me, except that they have less panel doctors and they are not as big as other insurance company.

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What's the best way to come to a decision, or rather, what are some good questions I should ask myself? To be honest, all the medical coverage table looks ok to me - things like 180 vs 360 post-hospitalization really doesn't mean much to me now. Should I also factor in the downgrading options for that specific insurer in case I want to downgrade my plan in the future?

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I know everyone has a different ways of looking at this, but I would really appreciate if you have any advice to make the decision making easier for me. Thanks!