Bupa and HBF cut health insurance benefits

[imax3]

I have just been advised that my policy. (which has been in place for 12 years) is going to be increased by 8.6%. The average according to all sources is 3.62% Bupa has failed to explain the reason. I think i;m am being targeted by having a policy that is now obsolete.
What to do?? For me its; a $22 a month rise.
Pay the years premium? I am only differing the rise, how can they impose this cost way, over the average?.