Explore Your Payment Options Today
At Sunfert International Fertility Centre, we understand that fertility treatment is not only an emotional journey but also a financial commitment. Our goal is to make treatment more accessible by offering flexible and practical payment options tailored to different needs.
We believe that financial concerns should not stand in the way of building a family. That is why we provide multiple payment solutions to support your journey with clarity and confidence.
Available Payment Options at Sunfert:
- Cash, debit card or online bank transfer
- Credit card with 0% interest instalment
- Fertility medical treatment withdrawal from EPF / KWSP
- Third-party medical loan
Debit Card or Online Bank Transfer
We offer convenient and secure payment methods through debit cards and online bank transfers.
This option is suitable for patients who prefer:
- immediate payment without affecting their credit card limit
- secure and widely accepted transaction methods
Our team will provide clear billing details to ensure you understand every cost involved before proceeding with treatment.
For payments using a foreign-issued debit card, please ensure international transactions are enabled with your bank prior to payment.
Credit Card with 0% Interest Instalment
To ease the financial burden, we support credit card payments with 0% interest instalment plans through selected banks.
We accept major credit cards, including:
- VISA
- Mastercard
- JCB
This option allows you to:
- spread the cost of treatment over manageable monthly payments
- maintain better financial flexibility while continuing treatment
Eligibility and instalment duration may vary depending on your card provider. Our team will guide you through the available options.
EPF or KWSP Withdrawal for Fertility Treatment
In Malaysia, eligible patients may utilise their EPF (KWSP) savings to support fertility-related medical expenses.
This option can help you:
- reduce out-of-pocket expenses
- access funds specifically allocated for medical needs
- continue treatment without significant financial strain
At Sunfert, we provide our patients 2 ways of using EPF’s Account Sejahtera (formerly known as Account 2) fund for their IVF treatment:
- Cashless Payment with EPF Fund
- Pay-and-Claim with EPF Fund
Cashless Payment with EPF Fund
Steps:
1. No upfront payment needed
- Begin your treatment without paying first.
- Supplements, extra medications and fertility assessments are excluded)
2. Preparations for your medical report
- We will assist you with the documentations for your EPF submission
3. EPF will arrange payment directly with us for your convenience
Pay-and-Claim with EPF Fund
Steps:
1. You pay the treatment costs upfront
2. Claim it later from EPF Account Sejahtera, based on your available funds
Who Is Eligible to Use EPF Funds for Fertility Treatment?
To apply for an EPF withdrawal for fertility treatment in Malaysia, you must meet the following criteria:
- Malaysians and non-Malaysians
- Legally married couples (husband and wife)
- Below 55 years old
- Have sufficient savings in your or your spouse’s EPF Account Sejahtera to cover the treatment cost
How Much Can You Withdraw from EPF for Fertility Treatment?
| Individual Withdrawal | Joint Withdrawal |
|---|---|
Actual treatment cost*
| Applied amount
|
*If the treatment 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.
What Documents Are Required for EPF Withdrawal for Fertility Treatment?
To apply for EPF fund withdrawal, you will need to prepare the following documents:
- IC or passport (for both husband and wife)
- Marriage certificate
- Latest EPF statement
- Invoice from Sunfert International Fertility Centre
- Consent form (provided by Sunfert)
- LPP-2 form (medical report prepared by Sunfert)
Take the Next Step with Our Fertility Specialists
If you are facing fertility challenges, start with a consultation with our specialists. We will guide you through your fertility journey with expertise and compassionate care.
Make an appointment with our Fertility Specialist today and take the next step toward your parenthood goals.
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Book a consultationDato' Dr Wong Pak Seng
Founder of Sunfert Group & Fertility Specialist- Sunfert@Bangsar South
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Book a consultationDr Eeson Sinthamoney
Group Medical Director & Fertility Specialist- Sunfert@Bangsar South
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Book a consultationDr Lim Lei Jun
Medical Director (Sunfert Bangsar South) & Fertility Specialist- Sunfert@Bangsar South
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Book a consultationDr Sumithra Devi Valiapan
Consultant Obstetrics, Gynaecology & Fertility Specialist- Sunfert@Bangsar South
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Book a consultationDr Haris Njoo Suharjono
Medical Director (Sunfert Kuching) & Fertility Specialist- Sunfert@Kuching
What payment options are available for fertility treatment at Sunfert?
At Sunfert International Fertility Centre, patients can choose from several flexible payment methods, including:
- cash
- debit card
- online bank transfer
- credit card with 0% interest instalment plans
- EPF (KWSP) withdrawal
- 3rd party medical loans
These options are designed to make fertility treatment more financially accessible while supporting different patient needs and circumstances.
Can I pay for fertility treatment using a debit card or online bank transfer?
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.
Does Sunfert offer credit card instalment plans for fertility treatment?
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.
Can I use EPF (KWSP) Account 2 for IVF?
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.
Can I use EPF (KWSP) for IUI treatment?
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.
Can I use EPF (KWSP) savings for fertility treatment in Malaysia?
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.
What are the EPF (KWSP) withdrawal options for fertility treatment?
There are 2 main EPF (KWSP) withdrawal methods.
- Cashless Payment: EPF pays Sunfert directly after approval.
- Pay-and-Claim: Patients pay upfront and later claim reimbursement from EPF.
Who is eligible to withdraw EPF (KWSP) funds for fertility treatment?
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.
Can husband and wife both withdraw EPF (KWSP) for IVF?
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,
How much EPF (KWSP) savings can be used for fertility treatment?
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.
How long does EPF (KWSP) withdrawal for IVF treatment usually take to process?
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).
What documents are required for EPF (KWSP) withdrawal for fertility treatment?
Required documents typically include:
- identity cards or passports for both spouses
- marriage certificate
- latest EPF statement
- treatment invoice from Sunfert
- consent form provided by Sunfert
- LPP-2 medical report prepared by the fertility centre
Can non-Malaysians use EPF (KWSP) for fertility treatment?
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.
Is third-party financing available for fertility treatment?
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.