How to Use EPF (KWSP) for IVF in Malaysia: Eligibility, Withdrawal & Step-by-Step Guide

In Malaysia, eligible individuals can withdraw funds from their EPF (KWSP) Account Sejahtera (formerly Account 2) to cover fertility-related medical expenses, including IVF treatment.

Quick Answer:

• You can use EPF savings for fertility treatment if you meet the eligibility criteria.
• At Sunfert, funds can be accessed via cashless payment (no upfront cost) or pay first, claim late.
• The withdrawal amount depends on treatment cost or available savings (whichever is lower).

Using your EPF savings can make fertility care more accessible and financially manageable.

Key Benefits:

• Reduce out-of-pocket expenses
• Access funds already allocated for medical needs
• Continue treatment without financial disruption
• Flexible options based on your situation

According to EPF’s official website, fertility treatments such as IVF, IUI and ICSI are eligible under Health Withdrawal.

• Intra-Uterine Insemination (IUI): A simple fertility treatment that places prepared sperm into the uterus during ovulation to boost natural fertilisation.
• In-Vitro Fertilisation (IVF): An advanced fertility treatment where eggs are fertilised in a lab to help achieve pregnancy for patients with infertility challenges.
• Intra-Cytoplasmic Sperm Injection (ICSI): An advanced technique used in IVF treatment, where a sperm is injected into an egg to increase pregnancy chances for patients with severe male-factor infertility.

All fertility treatments mentioned above must be carried out at a local medical institution in Malaysia that is recognised by the Ministry of Health Malaysia (KKM) for EPF withdrawal purposes.

Overseas fertility treatment and surrogacy arrangements are not eligible under the EPF fertility treatment withdrawal scheme in Malaysia.

At Sunfert, patients are supported with 2 practical methods to utilise their EPF fund for IVF treatments.

Step-by-Step Process

• Start treatment without upfront payment (Supplements, additional medications, and fertility assessments are excluded.)
• Sunfert staff will assist in preparing the required paperwork such as medical documentation for EPF submission
• EPF pays the treatment fee to Sunfert directly

Step-by-Step Process

• Patients pay for the treatment upfront
• Sunfert staff will assist in preparing the required paperwork such as medical documentation for EPF submission
• Patient submit the documentations to EPF
• Patient received the claim from EPF directly

To qualify for EPF withdrawal for fertility treatment in Malaysia, you must meet the following criteria:

Eligibility Checklist:

• Malaysians or non-Malaysians
• Legally married couples (husband and wife)
• Below 55 years old
• Have sufficient savings in EPF Account Sejahtera

The withdrawal amount depends on your situation, whether applying individually or jointly.

Withdrawal Limits Explained

Important Note:

• If part of your treatment is covered by an employer, you can only withdraw the remaining unpaid balance.

To ensure a smooth EPF withdrawal process, prepare the following documents:

Required Documents Checklist:

• IC or passport (both husband and wife)
• Marriage certificate
• Latest EPF statement
• Invoice from your fertility centre
• Consent form
• LPP-2 medical report (prepared by the clinic)

Fertility journeys can be emotionally and financially demanding. Leveraging EPF savings offers a practical pathway to continue treatment with less financial pressure.

At Sunfert, we provide structured support throughout the process. From documentation to submission, helping patients focus more on what truly matters, which is building their family.

Understanding how to utilise your EPF funds effectively can significantly ease the cost of fertility treatment.

Whether you choose a cashless approach or reimbursement method, planning ahead ensures a smoother experience.

If you are considering IVF, exploring EPF withdrawal options could be a valuable first step towards making treatment more attainable.

Looking to understand your eligibility or next steps?

It may be helpful to consult our fertility specialists and customer care consultants, who are here to guide you through both the medical and financial aspects of your journey.