Should i get rider for integrated plan. i see that premium can go up go 1k per year. is it worth?

If you can afford to self insure the deductible and co-insurance, then you don't need to buy. Plus most of that maybe payable from your CPF medisave and not cash. I personally did not buy the rider, but I'm not recommending that you don't buy, depends on your consideration.

Things I would consider:

affordability

comfort level if no rider (are you ok with the addition co insurance, lower class wards, etc)

probability of hospitalised (eg family illness history, job risk)

​

usually i see people will buy now if they can afford and they are in good health. if cannot afford later on, can always terminate. but if don't buy now and next time not at best of health, insurer may not accept.

​

of course we buy shield or coverage plans in hope never to use it. so it all comes down to your comfort level. hope this helps.