Range of Payment Options Available at Sunfert

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

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.

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.

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:

1. Cashless Payment with EPF Fund
2. 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

Cashless Payment 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?

*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)
• EPF LPP-2 form (medical report prepared by Sunfert)

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.