Medical advancements have extended lifespans and improved the quality of life for many. However, healthcare costs remain a major financial burden. ​​To help members facing medical challenges, the EPF allows partial withdrawals from Akaun Sejahtera. These withdrawals can be used to cover the costs of approved illnesses, healthcare equipment, and fertility treatments.
Who Can Apply
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Malaysians & Non-Malaysians
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Below 55 years of age
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Have savings in Akaun Sejahtera
Additional Requirements
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Medical costs are not fully covered by employer
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Illness/ medical aid equipment are approved by the EPF *
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Not receiving alternative treatments
*All medical equipment and/ or medication prescribed for use by doctors (in writing) is eligible for health withdrawal and subject to ilnesses, approved by the EPF.
Who Is Eligible To Be Funded
  • Yourself
  • Your spouse
  • Your children (biological, adopted, step)
  • Your parents (biological, adopted, step, in-laws)
  • Your siblings (biological)

What's Covered

Critical Illness - What's Covered

Categories
  • Individual withdrawal
  • Joint withdrawal with approved family members
What You Can Withdraw
Actual medical cost*
OR
Entire savings in Account 2
(whichever is lower)
Applied amount
OR
Applicant's entire savings in Account 2
OR
Balance treatment cost after deducting the amount withdrawn by other applicants
(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
  • 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
  • Outpatient Bill/ Final Bill AND Original Receipt from Medical Institution (if payment has been paid)
  • Confirmation letter from the member’s and/ or approved family member’s employer stating the medical cost coverage (if applicable)
  • Proof of relationship between applicant and patient (If the applicant is not a patient)

Note: Form KWSP 9D (AHL) & Copy of identification documents/ MyKad is required for submission via mail or representative.

Additional Documents Required

Local Medical Institutions


1. Proof of illness

Original medical report from the medical institution

View Medical Report Sample - Critical Illness LPP-1

Complete with the patient’s details of illness, effects if left untreated, medical institution’s stamp, attending doctor’s signature, stamp, designation and discipline (not more than one year from the date of withdrawal application).
2. 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.
3. Proof of Identity
Patient's Identification documents*

*If the applicant is not the patient
4. Employer's Letter of Confirmation
Sponsorship confirmation letter from applicant's / patient's employer (if employed)
 

Patient

Employment Status

Employer's Letter of Confirmation

i) Member

Employer

Member

ii) Children

Mother/ Father Employed

Mother's AND Father's

iii) Husband/ Wife

Husband/ Wife Employed

Patient's AND Spouse's

iv) Parent

Children/ Mother/ Father Employed

Applicant's/ Mother/ Father's

v) Siblings

Employed

Patient's, Applicant's AND Mother's/ Father's


5. Proof of Relationship*
Marriage Certificate/ Birth Certificate/ Adoption papers from the National Registration Department (if adopted)
Whichever is applicable

*If the applicant is not the patient
6. Appendix Billing/ Invoice and Payment Receipt
7. Letter of Payment Confirmation on Treatment Cost and Authorization to apply for withdrawal

Overseas Medical Institution


1. Proof of illness

Original medical report from the medical institution

View Medical Report Sample - Critical Illness LPP-1

Complete with the patient’s details of illness, effects if left untreated, medical institution’s stamp, attending doctor’s signature, stamp, designation and discipline (not more than one year from the date of withdrawal application).
2. 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.
3. Proof of Identity
Patient's Identification documents*

*If the applicant is not the patient
4. Employer's Letter of Confirmation
Sponsorship confirmation letter from applicant's / patient's employer (if employed)
 

Patient

Employment Status

Employer's Letter of Confirmation

i) Member

Employer

Member

ii) Children

Mother/ Father Employed

Mother's AND Father's

iii) Husband/ Wife

Husband/ Wife Employed

Patient's AND Spouse's

iv) Parent

Children/ Mother/ Father Employed

Applicant's/ Mother/ Father's

v) Siblings

Employed

Patient's, Applicant's AND Mother's/ Father's


5. Proof of Relationship*
Marriage Certificate/ Birth Certificate/ Adoption papers from the National Registration Department (if adopted)
Whichever is applicable

*If the applicant is not the patient
6. Appendix Billing/ Invoice and Payment Receipt
7. Letter of Payment Confirmation on Treatment Cost and Authorization to apply for withdrawal

Healthcare Protection - PM_IR

Payment Methods

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Local Payments Overseas 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
Full payment will be made via Foreign Demand Draft in the currency of your choice
If your preferred currency is included in our list of approved currencies
If payment to your account is unsuccessful, you will be issued a Bankers Cheque Full payment will be made via Foreign Demand Draft in US Dollars
If your preferred currency is not available on our approved list

Important Reminder

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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)

Authorised Persons

 

2. Double check your panel banks

Refer to the list of EPF panel banks for direct crediting of payment into member’s account

EPF Panel Banks

 

3. Submit to EPF

Send your completed submissions at your nearest EPF Office or mail it to the EPF.

Find EPF Near You

Mail to EPF: 

JABATAN PENGURUSAN TRANSAKSI
KUMPULAN WANG SIMPANAN PEKERJA
P.O. Box 00220,
Jalan Sultan, 46720,
Selangor Darul Ehsan.

4. Need more information?

Refer to our product brochure for additional information.

Download Health Brochure