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Services / Fertility EPF Withdrawal

Fertility EPF Withdrawal

Convenience, when you need it most

The EPF allows members who are facing medical conditions to make to make a withdrawal from Account 2. This can be a much-needed reprieve to cover medical expenses for a selection of critical illnesses, purchase of essential healthcare equipment as well as for fertility treatments.

A vital financial solution for couples looking forward to parenthood

This initiative by the EPF was introduced during the Budget 2020 announcement as an expansion of EPF’s Health Withdrawal facility. It is intended to help Malaysians manage the high costs commonly associated with fertility treatments, while helping young adults achieve their dream of raising children.


Application requirements:

  • Malaysians and 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
  • Treatments 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.


Individual withdrawal & joint withdrawal with spouse.
What can you withdraw?

Individual withdrawal

  • Actual medical cost* OR
  • Entire savings in Account 2 (whichever is lower)

Joint withdrawal

  • Applied amount OR
  • Applicant’s entire savings in Account 2 OR
  • Balance treatment cost after deducting the amount withdrawn by other applicants (whichever is lower)

*If the medical cost 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.

Documents you need:

  • KWSP 9D (AHL) form and checklist
  • Copy of identification documents with originals for verification (non-MyKad holders only)
  • Bank passbook/Savings or 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 (Amendment) for mail submissions/failed thumbprint verification
  • Medical report – Fertility treatment LPP-2

For more information, kindly visit the official KWSP website:

KWSP Health Withdrawal

More information on fertility

Fertility Centre Contact Information

Clinic Contact Details

Level 8

Operation Hours

Monday – Friday:
9:00am to 5:00pm

9:00am to 1:00pm

Sunday and Public Holidays:

Payment Options

For your convenience, we accept payments via cash or credit cards.

For other credit card instalments, kindly consult your respective banks.

If you have a Guarantee Letter (GL) from a panel insurance company, kindly proceed to our Business Office Counter.

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