AIA gold max b lite vs AIA gold max b for 30 year old?

Downgrade to to max b lite from max b

Could you elaborate what do you mean by "more worth"?

In fact, the first question is whether you want to go for public A, B, or C, or private hospital?

2nd question would be, is the premiums affordable now for you to make the choice?

3rd Question is should you choose private, would you be willing to downgrade later? (coz upgrade is difficult, downgrade is smooth, and can help reduce cost).

My suggestion is at least choose public A ward at your age because the premiums are really not a lot