Fertility Treatment
- Yourself
- Your spouse**
- Individual withdrawal
- Joint withdrawal with spouse
OR
Entire savings in Akaun Sejahtera
(whichever is lower)
OR
Applicant's entire savings in Akaun Sejahtera
OR
Balance treatment cost after deducting the amount withdrawn by other applicants
(whichever is lower)
Payment to Member
Payment to Local Medical Institution
- MyKad OR Original Identification Document
- Bank passbook/Savings account statement/Current account statement/Verification letter of account holder’s details from Bank/Account holder’s details
- Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification
- Outpatient Bill/Final Bill AND Original Receipt from Medical Institution (if payment has been paid)
- Confirmation letter from the employer of the member and spouse (if still working) certifying that they are not bearing the cost of fertility treatment
- Proof of relationship between applicant and patient (If the applicant is not a patient)
Note: Health Withdrawal form - KWSP 9D (AHL) & Copy of identification documents/MyKad is required for submission via mail or representative.
Local Medical Institutions
- Proof of fertility treatment
Original medical report from the medical institution
View Medical Report - Fertility treatment LPP-2
Complete with the patient’s details of fertility treatment medical institution’s stamp, attending doctor’s signature, stamp, designation and discipline (not more than one year from the date of withdrawal application).
- Proof of Payment
Actual medical bills
AND
Original payment receipts issued by the medical institution (for reimbursement)
Not more than one (1) year from application date and if the payment receipt is not in the applicant's name, an authorisation letter from the payer is required.
Note: Eligibility is subject to treatment received with effect from 1 Januari 2020.
- Proof of Identity
Patient's Identification documents*
*If the applicant is not the patient
- Employer's Letter of Confirmation
Sponsorship confirmation letter from members and spouses employer (if employed)
- Proof of Relationship*
Marriage Certificate
Additional Info
Payment Methods
Local Payments
- Full payment in Ringgit Malaysia (RM) will be credited to your account
If you hold an active account with our panel bank and your identification number matches the bank records - If payment to your account is unsuccessful, you will be issued a Bankers Cheque
Important Reminder
1. Certify your documents
Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.
(complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)
2. Double check your panel banks
Refer to the list of EPF panel banks for direct crediting of payment into member’s account
3. Submit to EPF
Send your completed submissions at your nearest EPF Office or mail it to the EPF.
Jabatan Pengurusan Transaksi
Kumpulan Wang Simpanan Pekerja
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor.
Payment Methods
Local Payments
- Full payment in Ringgit Malaysia (RM) will be credited to your account
If you hold an active account with our panel bank and your identification number matches the bank records - If payment to your account is unsuccessful, you will be issued a Bankers Cheque
Important Reminder
1. Certify your documents
Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.
(complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)
2. Double check your panel banks
Refer to the list of EPF panel banks for direct crediting of payment into member’s account
3. Submit to EPF
Send your completed submissions at your nearest EPF Office or mail it to the EPF.
Jabatan Pengurusan Transaksi
Kumpulan Wang Simpanan Pekerja
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor.
Frequently Asked Questions
Frequently Asked Question
What is Fertility Treatment Withdrawal?
The Fertility Treatment Withdrawal is an initiative implemented under the expansion of the EPF’s Health Withdrawal facility. This withdrawal initiative was introduced during the Budget 2020 announcement to help Malaysians who wish to seek for fertility treatment while easing the financial burden that comes with its high cost.
What types of fertility treatments are allowed for this withdrawal?
The fertility treatments allowed for this Withdrawal are as follows:
i. Intrauterine insemination (IUI);
ii. In-Vitro Fertilization (IVF);
iii. Intracytoplasmic Sperm injection (ICSI).
What are the eligibility criteria to apply for Fertility Treatment Withdrawal?
The current eligibility criteria under the Health Withdrawal facility applies along with the following additional requirements:
i. The types of fertility treatments allowed are IUI, IVF & ICSI;
ii. Only legally married couples are allowed to apply;
iii. Treatment is received at local Medical Institutes only.
Are withdrawal applications allowed for the treatment of other medical conditions such as ‘Endometriosis’ before fertility treatment?
No. Members are eligible to make withdrawal only for critical illnesses and for fertility treatments approved by the EPF.
Are members eligible to make withdrawals for Fertility Treatment at Medical Institutions abroad?
Members are not eligible to make withdrawals for Fertility Treatment if receiving treatment at Medical Institutions abroad.
Can members make a Fertility Treatment Withdrawal for other family members?
No. Currently, this withdrawal is limited for own self or spouses only.
Are members/spouses applying for this Withdrawal allowed to claim for a reimbursement on the cost of treatment carried out?
Reimbursement of treatment costs is permissible and subject to current conditions.
How will the fertility treatment applications be considered for members / spouses who are sponsored by their employers?
i) Full sponsorship
-Member who have received full sponsorship from the employer or any organisation/agency, is not eligible for this withdrawal;
ii) Partial sponsorship
- If the member/spouse receives partial sponsorship, the member/spouse is only eligible to apply for the difference between the cost of treatment and the amount of sponsorship, or the balance of Akaun Sejahtera savings (whichever is lower).
What action should be taken by the Medical Institutions if there is an excess in payment of the approved withdrawal amount?
The Medical Institutions need to return the excess payment to the EPF immediately.
Is there a frequency period for members to apply for the Fertility Treatment Withdrawal?
There is no pre-determined frequency period for members to apply for the Fertility Treatment Withdrawal. Approval of application is subject to the availability of savings balance in Akaun Sejahtera, similar to the one stipulated in the current requirements for Health Withdrawal.
Is Fertility Treatment Withdrawal limited to first or subsequent births?
Withdrawal for Fertility Treatment is unlimited and open to subsequent births subject to current conditions.
Is ‘surrogate mother’ allowed for this withdrawal?
No. Withdrawal of Fertility Treatment is only allowed for legally married couples.
Is this withdrawal limited to one wife only?
No. This withdrawal is also open to members who have more than one wife.
Are joint applications allowed for Fertility Treatment Withdrawal?
Yes. Joint applications are allowed to help couples cover the high cost of fertility treatment.
What is the payment method under Fertility Treatment Withdrawal?
The main payment method for Fertility Treatment Withdrawal is direct credit to the bank account.
How do members apply for the Fertility Treatment Withdrawal?
Members can submit their application for Fertility Treatment Withdrawal at any EPF branch office by completing the Health Withdrawal application form, KWSP 9D (AHL) with the supporting documents.
What are the supporting documents that need to be submitted when applying for the Fertility Treatment Withdrawal?
Supporting documents that need to be submitted are as follows:
i. Medical report from medical institution;
ii. Proof of relationship between member and spouse such as marriage certificate;
iii. Bill/receipt of treatment.
Can members cancel their registered application for Fertility Treatment Withdrawal?
Yes. Cancellation of application can be made as per current procedure.
Frequently Asked Question
What is Fertility Treatment Withdrawal?
The Fertility Treatment Withdrawal is an initiative implemented under the expansion of the EPF’s Health Withdrawal facility. This withdrawal initiative was introduced during the Budget 2020 announcement to help Malaysians who wish to seek for fertility treatment while easing the financial burden that comes with its high cost.
What types of fertility treatments are allowed for this withdrawal?
The fertility treatments allowed for this Withdrawal are as follows:
i. Intrauterine insemination (IUI);
ii. In-Vitro Fertilization (IVF);
iii. Intracytoplasmic Sperm injection (ICSI).
What are the eligibility criteria to apply for Fertility Treatment Withdrawal?
The current eligibility criteria under the Health Withdrawal facility applies along with the following additional requirements:
i. The types of fertility treatments allowed are IUI, IVF & ICSI;
ii. Only legally married couples are allowed to apply;
iii. Treatment is received at local Medical Institutes only.
Are withdrawal applications allowed for the treatment of other medical conditions such as ‘Endometriosis’ before fertility treatment?
No. Members are eligible to make withdrawal only for critical illnesses and for fertility treatments approved by the EPF.
Are members eligible to make withdrawals for Fertility Treatment at Medical Institutions abroad?
Members are not eligible to make withdrawals for Fertility Treatment if receiving treatment at Medical Institutions abroad.
Can members make a Fertility Treatment Withdrawal for other family members?
No. Currently, this withdrawal is limited for own self or spouses only.
Are members/spouses applying for this Withdrawal allowed to claim for a reimbursement on the cost of treatment carried out?
Reimbursement of treatment costs is permissible and subject to current conditions.
How will the fertility treatment applications be considered for members / spouses who are sponsored by their employers?
i) Full sponsorship
-Member who have received full sponsorship from the employer or any organisation/agency, is not eligible for this withdrawal;
ii) Partial sponsorship
- If the member/spouse receives partial sponsorship, the member/spouse is only eligible to apply for the difference between the cost of treatment and the amount of sponsorship, or the balance of Akaun Sejahtera savings (whichever is lower).
What action should be taken by the Medical Institutions if there is an excess in payment of the approved withdrawal amount?
The Medical Institutions need to return the excess payment to the EPF immediately.
Is there a frequency period for members to apply for the Fertility Treatment Withdrawal?
There is no pre-determined frequency period for members to apply for the Fertility Treatment Withdrawal. Approval of application is subject to the availability of savings balance in Akaun Sejahtera, similar to the one stipulated in the current requirements for Health Withdrawal.
Is Fertility Treatment Withdrawal limited to first or subsequent births?
Withdrawal for Fertility Treatment is unlimited and open to subsequent births subject to current conditions.
Is ‘surrogate mother’ allowed for this withdrawal?
No. Withdrawal of Fertility Treatment is only allowed for legally married couples.
Is this withdrawal limited to one wife only?
No. This withdrawal is also open to members who have more than one wife.
Are joint applications allowed for Fertility Treatment Withdrawal?
Yes. Joint applications are allowed to help couples cover the high cost of fertility treatment.
What is the payment method under Fertility Treatment Withdrawal?
The main payment method for Fertility Treatment Withdrawal is direct credit to the bank account.
How do members apply for the Fertility Treatment Withdrawal?
Members can submit their application for Fertility Treatment Withdrawal at any EPF branch office by completing the Health Withdrawal application form, KWSP 9D (AHL) with the supporting documents.
What are the supporting documents that need to be submitted when applying for the Fertility Treatment Withdrawal?
Supporting documents that need to be submitted are as follows:
i. Medical report from medical institution;
ii. Proof of relationship between member and spouse such as marriage certificate;
iii. Bill/receipt of treatment.
Can members cancel their registered application for Fertility Treatment Withdrawal?
Yes. Cancellation of application can be made as per current procedure.
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