here if you want to complain more

Don't simply change insurance plan. All will naik harga eventually.

Insurance is to cover you financially. You don't want to claim. What you don't realise is even if you didnt claim, the service offered to you is, you have the peace of mind that you will be covered if you masuk hospital. So the service is provided.

Insurance is not charity. More ppl claim, the insurance company will need to pass the cost back to you.

iPhone price also going up. Why people don't stop buying iPhone ah?

You can check if you have the option to downgrade your coverage.

Having said that does not mean you won't pay more. Just pay less than expected...