What hospitalisation plan to get for parents? Private or Govt hospital? I am paying over 3k annually for the rider for my mum who is active and healthy?

There is no right or wrong in insuring for your loved ones.

What is important is, is it affordable for you? If not, choose to downgrade (and at least they still have medical coverage)

If you can afford, best to keep it. The type of care you want is dependent on how luxurious you want the care to be (private), or more affordable yet not compromising too much (A ward).

If cost is still a concern, the minimum is the standard plan offered by all insurers.

Buy what you need. As long as you are employed and could afford the premium for your mum and yourself, you both may want to be covered for private hospital. However, if you are unemployed and could not afford the premium, it would be better to downgrade to public hospital. There is no right or wrong answers. It really depends on your needs and whether you could afford.