At Sunfert International Fertility Centre, patients can choose from several flexible payment methods, including:
These options are designed to make fertility treatment more financially accessible while supporting different patient needs and circumstances.
Yes. Patients may make secure payments using debit cards or online bank transfers.
This method is ideal for those who prefer immediate settlement without affecting their credit card limit.
For international debit cards, patients should ensure that overseas transactions are activated with their bank before payment.
Yes, selected banks offer 0% interest instalment plans for credit card payments.
Major cards such as VISA, Mastercard, and JCB are accepted.
This option allows patients to spread treatment costs into manageable monthly payments, making fertility care more financially flexible without additional interest charges.
Eligibility and instalment duration depend on individual card providers.
Yes, eligible patients may withdraw funds from EPF (KWSP) Account Sejahtera (previously Account 2) to support fertility treatment costs.
This option helps reduce out-of-pocket expenses and allows patients to utilise savings specifically allocated for medical purposes, subject to EPF guidelines and eligibility requirements.
There are 2 main EPF (KWSP) withdrawal methods.
EPF (KWSP) withdrawal for fertility treatment is available to Malaysians and non-Malaysians who are legally married, below 55 years old, and have sufficient savings, or savings equivalent to the treatment fee, in their EPF (KWSP) Account Sejahtera (formerly Account 2).
Both husband and wife may apply, subject to EPF’s requirements and available account balances.
Patients may withdraw either the actual treatment cost or their total available EPF (KWSP) Account Sejahtera (formerly Account 2) savings, whichever is lower.
For joint applications, the amount depends on individual and combined balances, as well as any prior withdrawals or employer-covered medical expenses.
Required documents typically include:
Yes, patients may opt for third-party medical loans depending on eligibility and approval by financial institutions.
This option can help cover treatment costs when immediate funds are not available, allowing patients to proceed with fertility care while managing repayment over time.
Yes, you may use your EPF (KWSP) Account Sejahtera (formerly Account 2) savings to support fertility treatment expenses, including IUI, IVF, or ICSI treatment, under the Health Withdrawal scheme provided by EPF (KWSP).
The withdrawal can be used for approved fertility-related medical treatments carried out at a local medical institution in Malaysia that is recognised by the Ministry of Health Malaysia (KKM), such as Sunfert International Fertility Centre.
Eligibility and approved treatment categories are subject to EPF’s latest guidelines.
Yes. Both husband and wife may apply for EPF (KWSP) withdrawal separately, provided both fulfil the eligibility requirements set by EPF (KWSP).
This can help couples manage the overall cost of fertility treatment more comfortably,
Yes, Intrauterine Insemination (IUI) treatment is eligible under the EPF (KWSP) fertility treatment withdrawal scheme, subject to EPF approval.
The treatment must be carried out at a local medical institution in Malaysia that is recognised by the Ministry of Health Malaysia (KKM), such as Sunfert International Fertility Centre.
In addition to IUI, other fertility treatments, including In-Vitro Fertilisation (IVF) and Intra-Cytoplasmic Sperm Injection (ICSI) are also qualified for EPF (KWSP) withdrawal.
It is advisable to check with your fertility centre and refer to the latest EPF guidelines before submitting your application.
Non-Malaysians who have savings in EPF (KWSP) are also eligible to apply for withdrawal, provided they meet EPF’s withdrawal requirements and have sufficient funds in their account.
Approval is still subject to EPF’s assessment and supporting documentation.
The processing time may vary depending on the completeness of your documents and EPF’s verification process.
In many cases, applications may take approximately 3 days to 2 weeks after all required documents have been successfully submitted.
However, the processing time may vary depending on individual circumstances and the discretion of EPF (KWSP).
