How does a high deductible standalone medical insurance work?

Let’s say I have a Group medical policy at work that covers me until RM30k. I’m hopeful of being gainfully employed for most of the next say, 20 to 30 years. To supplement my Group medical policy, I decide to purchase a standalone medical policy with a deductible of RM30k.

The idea is that the first RM30k will be covered by my Group medical policy paid for by my employer, while anything beyond that is covered by my personal medical card. My annual premium rates will be reduced by around 70% doing this.

In this scenario, assume life is perfect. Assume no changes in the Group policy. Assume that the policy renewal date matches 100%. And assume that the Group policy is under AIA while the individual medical policy is under Great Eastern. Both have cashless facilities. No exclusions or pre-existing.

How workable is this?

Hi guys I have an insurance plan my parents bought it for me many years ago, it's Great ProtectLink (Investment-Linked Life Insurance) from Great Eastern, the details as follow:
Investment Value: RM3x,xxx

IL-Health Protector (Medical Card)

Annual Limit: RM150,000

Lifetime Limit: RM600,000
One friend of mine work for manulife told me this is outdated policy and with similar monthly payment around RM200~300 i can get insurance with annual medical limit up to RM1mil and lifetime unlimited, is there any caveat? From my research most insurance available today also offer similar higher limit.

If that's the case I wonder why insurance company won't renew the policy coverage limit instead waiting us to inquire? And does that mean i am better of subscribe to a new insurance and cancel this old plan? Or maybe i should change to a newer policy with Great Eastern instead?

Thanks for all the help in advance!