NIVA Bupa increases premium of reassure from 48k to 80k. And also offering lower premium reassure 2.0 whose premium is 55k. What to do?

raysb

KF Rookie
I have NIVA Bupa health reassure. I have been using this plan from last 4 years. I have two queries. 1) Why premium of my health insurance for 2 years is drastically increased every time. This time they increase from 48k to 80k.
2) And they are offering me another plan ie reassure 2.0 which has lower premium of 22k per year.

Please suggest what to choose and why.
 
Top