1. 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.
2. What is the eligibility criteria?
The current eligibility criteria under the Health Withdrawal facility applies along with the following additional requirements:
- The types of fertility treatments allowed are IUI, IVF & ICSI;
- Only legally married couples are allowed to apply;
- 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
3. 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.
4. Is there a frequency period for patients to apply for the Fertility Treatment Withdrawal?
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.
5. Can patients make a Fertility Treatment Withdrawal for other family patients?
No. Currently, this withdrawal is limited for own self or spouses only.
6. What is the payment method under Fertility Treatment Withdrawal?
The main payment method for Fertility Treatment Withdrawal is direct credit to the bank account.
7. 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.
8. 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.
9. 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.
10. 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:
i. Identification Card (IC) for both individual and spouse;
ii. Medical report from medical institution;
iii. Proof of relationship between member and spouse such as marriage certificate;
iv. Confirmation letter from employer (individual and spouse) stating no medical coverage/aid for fertility treatment cost;
v. EPF statement for Account 2;
vi. Bill/receipt of treatment(s).
11. 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.
12. Can patients cancel their registered application for Fertility Treatment Withdrawal?
Yes. Cancellation of application can be made as per current procedure.
13. 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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