I have some insurance questions that I need clarifications. I have an inherited pre-existing condition, Thalassemia Major. Well, till now, no insurance companies would like to give me any standalone medical policy (unless someone here able to work some magic, I would go with them definitely).

I've never been a fan of Term insurance but recently a few things strikes me. Starting next year, EPF and Life Insurance would be in a separate bucket which means I couldn't max out my my income tax deduction without a life insurance. And also, I am planning to start a family soon, so maybe having a term insurance would be good in case *touch wood* anything happen to me, my family won't suffer.

As far as I know, most Term insurance do not look into pre-existing condition? Am I right? What about some companies which offer CI on top of the Term Insurance? Any clause to that?

Am a 31 y/o healthy, non-smoker working in an office environment.

Even for term insurance? I went and read up some product disclosure sheet and some didn't mention anything about pre-existing condition.

Anyone else has experiences?