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EPF FAQ

Helpful tools
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Fertility Treatment Withdrawal

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.

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Eligibility criteria

What is the eligibility criteria?

The current eligibility criteria under the Health Withdrawal facility applies along with the following additional requirements:

  1. The types of fertility treatments allowed are IUI, IVF & ICSI;
  2. Only legally married couples are allowed to apply;
  3. Treatment is received at local Medical Institutes only;

Both Malaysians and Non-Malaysians are eligible as long as they are contributors to the EPF and have savings in Account 2.

How will the fertility treatment applications be considered for patients / spouses who are sponsored by their employers?


Members who have received full sponsorship from the employer or any organisation/agency, is not eligible for this withdrawal.

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Frequency period for Fertility Treatment Withdrawals

Is there a frequency period for patients to apply for the Fertility Treatment Withdrawal from EPF?


There is a ONE (1) year period of withdrawals for patients to apply for the Fertility Treatment Withdrawal. Approval of application is subject to the availability of savings balance in Account 2, similar to the one stipulated in the current requirements for Health Withdrawal.

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Fertility Treatment Withdrawal for others

Can patients make a Fertility Treatment Withdrawal for other family patients?


No. Currently, this withdrawal is limited for own self or spouses only.

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Payment method for Fertility Treatment Withdrawal

What is the payment method under Fertility Treatment Withdrawal?


The main payment method for Fertility Treatment Withdrawal is direct credit to the bank account.

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Withdrawal applications for other medical conditions

Are withdrawal applications allowed for the treatment of other medical conditions such as ‘Endometriosis’ before fertility treatment?


No. Patients are eligible to make withdrawal only for critical illnesses and for fertility treatments approved by the EPF.

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Claim for any other incidentals

Can patients claim for any other incidentals other than IUI, IVF and ICSI?


No. Procedures other than the Three (3) above are non-claimable. Examples of non-claimable procedures are Colorado Protocol, IMSI, MESA, TESA and ERA.

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Limit based on birth count

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.

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Supporting documents for application submission

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:

  • Identification Card (IC) for both individual and spouse;
  • Medical report from medical institution;
  • Proof of relationship between member and spouse such as marriage certificate;
  • Confirmation letter from employer (individual and spouse) stating no medical coverage/aid for fertility treatment cost;
  • EPF statement for Account 2;
  • Bill/receipt of treatment(s).
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Not enough funds in Account 2 savings

What if patients do not have the full cost of treatment with Account 2 savings?


Patients will be required to cover remaining cost with personal savings (Out Of Pocket or with credit card financing. For more information, do consult Sunfert’s EPF Support Team for further financial solutions.

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Cancelling registered application

Can patients cancel their registered application for Fertility Treatment Withdrawal?


Yes. Cancellation of application can be made as per current procedure.

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More information

Where can patients obtain latest information?


Latest updates from EPF (Employees Provident Fund) on fertility treatments can be found in their official website here.

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The Biological Clock

This tool indicates:

  • Natural conception per month if you have no fertility issues
  • IVF success rate at the same age
  • When to seek help after months of unsuccessful attempts

If you are concerned at any stage – we recommend booking a doctor appointment or a free nurse consultation. The sooner you make a plan the better your chances in the long term.

When to seek advice early
  • If you have polycystic ovaries, endometriosis, or have been through a cancer diagnosis; we recommend you get in touch quickly so we can talk you through all your options and give you the greatest possible chance of success.
  • If you’re a single woman considering motherhood in the future; it’s best to approach us early and consider egg freezing as this can be an option for you while you have a higher ovarian reserve and healthier eggs.
Set your age and the months you’ve been trying to conceive
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Your chance of having a baby per month for fertile couples
Your chance of having a baby per IVF cycle (if experiencing infertility)

Body Mass Index calculator

Being overweight or underweight can reduce fertility, so it is important to keep your body weight within the normal healthy range.

Body Mass Index (BMI) is an indication of your body weight and can be calculated by dividing weight by height. You should aim for a BMI of between 20 and 25, as this will optimise your chances of conception.

Woman’s BMI below 19

Even in these modern times, nature knows best. If a woman's BMI falls below 19, the body senses famine and ovulation is switched off to prevent the risk of having a baby with malnutrition. Excessive exercise can reduce body fat and increase muscle mass to a point where periods cease for the same reason. Risk of miscarriage is also increased in women with a low BMI.

Being underweight

If a woman's BMI falls below 19, the body senses famine and ovulation is switched off to prevent the risk of having a baby with malnutrition. Excessive exercise can reduce body fat and increase muscle mass to a point where periods cease for the same reason. Risk of miscarriage is also increased in women with a low BMI.

BMI’s greater than 30

This can reduce fertility by 50%. Pregnancy for women with a 30+ BMI is often associated with problems such as maternal diabetes, high blood pressure, big babies and increased risk of caesarean section.

Add your height and weight to calculate your BMI
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