Taking an ILP now will lock in the premium that you need to contribute that is recommended to sustain until certain age i.e your case, you want until 80 years old. However should there be any medical repricing over the years by the insurance company, they may recommend you to increase your premium payable in order to maintain the same original sustainability (80 years), otherwise you may be advised by the insurance company that your term would have been shortened / reduced ((say dropped to until 75 years) due to the increase in cost of insurance if you refuse to top up the difference recommended by the insurance company.

Now, moving back to your main inquiry, having deductible will definitely reduce your cost of insurance incurred for your hospital & surgical benefit (which a lot of people would call it the "Medical Card").

However most of the famous companies nowadays will allocate up to 300 as a deductible instead of 1,000, some other options are 5,000 - 100,000 deductible.

Based on what you are requesting, it's kind of impossible to get the said benefit for 3,000 yearly. You may need to increase your budget or reduce the benefits / terms of the policy i.e 70 years instead of 80.

Sure, let me check it up for you, do you prefer to add on with 300 deductible or without any deductible ? or would you prefer to know the difference in the premium between these 2 ?

Edit*

I've decided to get both figures for you

it will be around 675 monthly without the 300 deductible, 625 monthly with the 300 deductible.