GE Hosp Rider

I am (30yo)currently a cancer

patient receiving treatment at a private hospital and expect to make claims yearly as my condition is not yet stabilised.

My GE agent advised me to downgrade from P Signature to P Optimum, he mentioned that if I do not downgrade within 6 months, I may not be able to switch to P Optimum in future and would instead be placed on a government-hospital plan(something along this line).

My concern is whether it is better to remain on the higher-tier plan in case of future policy changes and to maintain better coverage flexibility.

Could I seek your advice on whether downgrading now is advisable for a lower premium payment.