Last updated : 04 Sep 2019    

health

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 healthcare equipment.

Who Can Apply

Requirements

Requirements

Malaysians & Non-Malaysians

Requirements

Below 55 years of age

Requirements

Have savings in Account 2


Additional Requirements

Requirements

Medical costs are not fully covered by employer

Requirements

Illness/medical aid equipment are approved by the EPF *

Requirements

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 Can You Assist

  • Yourself
  • Your parents (biological, adopted, step, in-laws)
  • Your spouse
  • Your siblings (biological)
  • Your children (biological, adopted, step)

What's Covered

Cancer

Cardiovascular System

  • Arrhythmia Requiring Device Insertion (Pacemaker/Defibrillator)
  • Cardiomyopathy/Heart Failure
  • Congenital Heart Disease
  • Constrictive Pericarditis
  • Coronary Artery Disease/Ischaemic Heart Disease
  • Heart Attack/Myocardial Infarction
  • Heart Block Requiring Surgical Intervention/Pacemaker/Battery Implant
  • Heart Valve Replacement/Valvular Heart Disease Requiring Replacement
  • Peripheral Vascular Disease
  • Surgery to Aorta/Diseases of the Aorta Requiring Surgery
FULL LIST

Endocrine/Medical

  • Epilepsy & Movement Disorders Requiring Deep Brain Stimulation or Surgery
  • Guillain-Barré Syndrome Requiring
  • Morbid Obesity or Obesity with Multiple Medical Complications and Life Threatening Requiring Bariatric Surgery
  • Pituitary Tumors
  • Sepsis with One or More Major Organ Failure
  • Type 1 Diabetes with Criteria for Insulin Pump Therapy
FULL LIST

Gastroenterology/Hepatology

  • Chronic Inflammatory Bowel Disease
  • Chronic Liver Disease
  • Fulminant Viral Hepatitis
  • Pulmonary Hypertension
FULL LIST

Genitourinary System

  • Congenital Urinary Abnormalities Requiring Urgent and Major Surgical Intervention
  • Chronic Kidney Disease/Failure
  • Medullary Cystic Disease
  • Renal Calculi Requiring Surgical Intervention
FULL LIST

Hematology

  • Aplastic Anaemia
  • Haemophilia (Moderate to Severe - Factor Activity <5%)
  • Hematological Malignancies – Leukemia, Multiple Myeloma (Acute or Chronic Leukemia Diagnosed by Physician
  • Hematopoietic Stem Cell Transplantation
  • Idiopathic Thrombocytopenic Purpura (ITP) - Thrombocytopenia Refractory to Convention Steroid Treatment (1st Line Treatment)
  • Lymphoma
  • Myeloproliferative Disorders Requiring Blood Transfusion and/or Chelating Agents
  • Thalassemia Major Requiring Chelating Agent
FULL LIST

Nervous System

  • Alzheimer's Disease
  • Apallic Syndrome
  • Benign Tumor Of Brain
  • Cerebral Palsy
  • Coma
  • Encephalitis
  • Loss Of Speech
  • Major Head Trauma
  • Meningitis
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Paralysis
  • Parkinson's Disease
  • Poliomyelitis
  • Stroke
  • Total Permanent Disability
FULL LIST

Ophthalmology

  • Advanced Diabetic Eye Disease - Diagnosed by Specialist
  • Age Related Macular Degeneration (Armd)/Polypoidal Choroidal Vasculopathy (PCV)
  • Blindness
  • Cataract Requiring Surgery (Intraocular Lens – IOL)
  • Corneal Disorders Requiring Corneal Surgery (Corneal Transplant) – Diagnosed by Specialist
  • Enopthalmic Socket - Diagnosed by Specialist
  • Glaucoma Requiring Surgery with Glaucoma Implant
  • Retinal Vascular Disease - Diagnosed by Specialist
FULL LIST

Orthopedic

  • Gangrene/Necrotizing Fasciitis Requiring Amputation
  • Knee Injury Requiring Surgery/Implant/Graft
  • Osteoarthritis Requiring Surgery/Implant
  • Prolapse Intervertebral Disc with Significant Neurological Deficit Requiring Surgery
  • Shoulder Injury with Instability/Function Compromised Requiring Surgery/Implant/Graft
  • Spinal Stenosis with Significant Neurological Symptoms/Deficit Requiring Surgery
  • Unstable Spine Fractures/Trauma Requiring Surgery and Implant/Rehab Equipment
FULL LIST

Respiratory System

  • Bronchiectasis
  • Chronic Lung Disease
  • Lung Fibrosis
  • Obstructive Sleep Apnea
  • Secondary Pulmonary Hypertension
  • Severe Chronic Obstructive Pulmonary Disease (COPD) / Emphysema
FULL LIST

Under 16 Child Illnesses

  • Congenital Diseases Requiring Medical or Surgical Intervention Treated by Specialist Intellectual
  • Impairment Due to Accident or Sickness
  • Leukemia
  • Severe Asthma
FULL LIST

Mental Illness

  • Bipolar Mood
  • Major Depression
  • Schizophrenia
FULL LIST

Musculoskeletal System

  • Systemic Lupus Erythematosus (SLE) with Major Organ Involvement
  • Systemic Sclerosis/Scleroderma with Functional Impairment and/or Major Organ Involvement
  • Rheumatoid Arthritis/ Arthritis of any joint with Deformities requiring Surgery/Orthosis
FULL LIST

Rheumatology

  • Ankylosing Spondylitis Active Disease with Functional Impairment and/or Disability
  • Chronic Tophaceous Gout with Functional Impairment and/or Disability
  • Psoriatic Arthritis Active Disease with Functional Impairment and/or Disability
  • Rheumatoid Arthritis/ Arthritis of any joint with Deformities requiring Surgery/Orthosis
FULL LIST

Other Diseases

  • AIDS/HIV
  • Deafness
  • Loss of Independent Existence
  • Major Burns
  • Major Organ Transplant
  • Terminal Illness
FULL LIST

 

Categories

  • Individual withdrawal
  • Joint withdrawal with approved family members
 

What You Can Withdraw

INDIVIDUAL WITHDRAWAL JOINT WITHDRAWAL
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

  • 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)

Additional documents required for local or overseas medical institutions

The required supporting documents may vary for withdrawals to cover treatment costs in local and overseas medical institutions. So, it's crucial to get all your documents right to pave your way to smoother applications.

  • Local Medical Institutions
    1. Proof of Illness
      Original medical report from the medical institution

      View Medical Report Sample

      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).

    1. 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.

    1. Proof of Identity
      Patient's Identification documents*

    *If the applicant is not the patient


    1. Employer's Letter of Confirmation
      Sponsorship confirmation letter from applicant's / patient's employer (if employed)

    1. 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



  • Overseas Medical Institutions
    1. Proof of Illness
      Original medical report from the medical institution

      View Medical Report Sample

      AND
      Acknowledgement/reference letter from the local attending doctor(s) with patient’s information, details of illness and effects if left untreated*

    *If applicable (Not more than one (1) year from withdrawal application date).


    1. 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

    1. Proof of Identity
      Patient's Identification documents*

    *If the applicant is not the patient


    1. Employer's Letter of Confirmation
      Sponsorship confirmation letter from applicant's/patient's employer (if employed) 

    1. 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



  •   PAYMENT METHODS
    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
    You will be issued a Bankers Cheque
    If payment to your account is unsuccessful
    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

    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 Counter or mail it to the EPF.

    FIND EPF NEAR YOU
    POST TO EPF

    4. Need more information?

    Refer to our product brochure for additional information.

    DOWNLOAD HEALTH BROCHURE
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