The medical advances and breakthroughs of this century have made longer lifespans and a better quality of life possible for us all, but the fact remains that healthcare is expensive.
The EPF allows members who are having medical problems to make a withdrawal from your Account 2 to help cover the medical expenses for approved illnesses and/or healthcare equipment as well as fertility treatment.
Who Can Apply?
Malaysians & Non-Malaysians
Below 55 years of age
Have savings in Account 2
Legally married couple (Husband/Wife)
Additional Requirements
Medical costs are not fully covered by employer
Not receiving alternative treatments
Fertility Treatment which are allowed:
- Intrauterine insemination (IUI)
- In-Vitro Fertilisation (IVF)
- Intracytoplasmic Sperm injection (ICSI)
Individual Withdrawal |
Joint Withdrawal |
Actual Medical Cost*
OR Entire savings in Account (whichever is lower) |
Applied amount
OR Applicant’s entire savings in Account 2 OR Balance treatment cost after deducting the amount withdrawn by other applications (whichever is lower) |
*If the medical cost has been partially covered by the member’s / patient’s employer, you may only withdraw the remaining balance of the medical cost that was not covered.
Payment Options
Payment to member
If medical costs have been paid
Payment to local medical institution
If medical costs are still outstanding
What You Need
- Form KWSP 9D (AHL) and Checklist
- Copy of identification documents with original for verification (Non-MyKad holders only)
- Bank passbook/Savings account statement/Current account statement/Verification letter of account holder’s details from Bank/Account holder’s details
- Confirmation letter from the member’s and/or approved family member’s employer stating the medical cost coverage (if applicable)
- Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification
- Medical Report – Fertility treatment LPP-2
Still confuse?
Contact 03 – 8922 6000 or visit https://www.kwsp.gov.my/member/withdrawals/partial/health#Fertility_Treatment