Filipino Chocolate Rice Pudding(Champorado)

1 cup short grained rice(sushi rice)
1 can coconut milk
3 cups water
1/3 cup sugar
6 oz bittersweet chocolate
Half and half

Rinse the rice in cold water until the water runs clear.  Combine rice, coconut milk and water in a medium saucepan.  Bring to a boil over medium heat and then reduce to a simmer, stirring occasionally, until the rice is tender and the mixture thickens, remove from the heat.  Microwave the chocolate until just melted and stir it and the sugar into the rice.  Serve either warm or chilled, drizzled with milk or half and half.