Fertility Fertility


EPF Fertility Withdrawal

The EPF allows members who are having medical problems to make a withdrawal from your Account 2 to help cover the medical expenses for approved illnesses and/or healthcare equipment as well as fertility treatment.


Who Can Apply?


  • Malaysians & Non-Malaysians
  • Below 55 years of age
  • Have savings in Account 2
  • Legally married couple (Husband/Wife)


Additional Requirements
  • Medical costs are not fully covered by employer
  • Illness/medical aid equipment are approved by the EPF
  • Not receiving alternative treatments
  • Fertility Treatment which are allowed:
    • Intrauterine insemination (IUI)
    • In-Vitro Fertilisation (IVF)
    • Intracytoplasmic Sperm injection (ICSI)
*All medical equipment and/or medication prescribed for use by doctors (in waiting) is eligible for health withdrawal and subject to illnesses, approved by the EPF.


Who Can You Assist?

  • Yourself
  • Your spouse (Legally married couple – husband/wife)



  • Individual withdrawal
  • Joint withdrawal with spouse


What You Can Withdraw?


Individual Withdrawal Joint Withdrawal
Actual medical cost*
Entire savings in Account 2 (whichever is lower)
Applied amount
Applicant’s entire savings in Account 2
Balance treatment cost after deducting the amount withdrawn by other applicants (whichever is lower)


*If the medical has been partially covered by the member’s/patient’s employers, you may only withdraw the remaining balance of the medical cost that was not covered.


What You Need?

  • Form KWSP 9D (AHL) and checklist
  • Copy of identification documents with original or verification (Non-MyKad holders only)
  • Bank passbook/Savings account statement/Current Account statement/Verification letter of account holder’s details from Bank/Account holder’s details
  • Confirmation letter from the member’s and/or approved family member’s employer stating the medical cost average (if applicable)
  • Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification
  • Medical Report – Fertility treatment LPP-2

Find Out More