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Health Withdrawal - KWSP Malaysia

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Health Withdrawal

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Member
Health Protection
Critical Illness

Health Withdrawal

Supporting You & Your Family Through Medical Needs

Medical advancements have extended lifespans and improved the quality of life for many. However, healthcare costs remain a major financial burden. To help members facing medical challenges, the EPF allows partial withdrawals from Akaun Sejahtera. These withdrawals can be used to cover the costs of approved illnesses, healthcare equipment, and fertility treatments.

Who Can Apply

Malaysians & Non-Malaysians

Below 55 years of age

Have savings in Akaun Sejahtera

Additional Requirements

Medical costs are not fully covered by employer

Illness/ medical aid equipment are approved by the EPF *

Not receiving alternative treatments

*All medical equipment and/ or medication prescribed for use by doctors (in writing) is eligible for health withdrawal and subject to ilnesses, approved by the EPF.

Who Is Eligible To Be Funded

Yourself
Your spouse
Your children (biological, adopted, step)
Your parents (biological, adopted, step, in-laws)
Your siblings (biological)

What's Covered

Critical Illness - What's Covered

Cardiovascular System

Arrhythmia Requiring Device Insertion (Pacemaker/Defibrillator)
Cardiomyopathy/Heart Failure
Congenital Heart Disease
Constrictive Pericarditis
Coronary Artery Disease/Ischaemic Heart Disease
Heart Attack/Myocardial Infarction
Heart Block Requiring Surgical Intervention/Pacemaker/Battery Implant
Heart Valve Replacement/Valvular Heart Disease Requiring Replacement
Peripheral Vascular Disease
Surgery to Aorta/Diseases of the Aorta Requiring Surgery

Endocrine/Medical

Epilepsy & Movement Disorders Requiring Deep Brain Stimulation or Surgery
Guillain-Barré Syndrome Requiring
Morbid Obesity or Obesity with Multiple Medical Complications and Life Threatening Requiring Bariatric Surgery
Pituitary Tumors
Sepsis with One or More Major Organ Failure
Type 1 Diabetes with Criteria for Insulin Pump Therapy

Gastroenterology/Hepatology

Chronic Inflammatory Bowel Disease
Chronic Liver Disease
Fulminant Viral Hepatitis
Pulmonary Hypertension

Genitourinary System

Congenital Urinary Abnormalities Requiring Urgent and Major Surgical Intervention
Chronic Kidney Disease/Failure
Medullary Cystic Disease
Renal Calculi Requiring Surgical Intervention

Hematology

Aplastic Anaemia
Haemophilia (Moderate to Severe - Factor Activity <5%)
Hematological Malignancies – Leukemia, Multiple Myeloma (Acute or Chronic Leukemia Diagnosed by Physician
Hematopoietic Stem Cell Transplantation
Idiopathic Thrombocytopenic Purpura (ITP) - Thrombocytopenia Refractory to Convention Steroid Treatment (1st Line Treatment)
Lymphoma
Myeloproliferative Disorders Requiring Blood Transfusion and/or Chelating Agents
Thalassemia Major Requiring Chelating Agent

Nervous System

Alzheimer's Disease
Apallic Syndrome
Benign Tumor Of Brain
Cerebral Palsy
Coma
Encephalitis
Loss Of Speech
Major Head Trauma
Meningitis
Motor Neuron Disease
Multiple Sclerosis
Muscular Dystrophy
Paralysis
Parkinson's Disease
Poliomyelitis
Stroke
Total Permanent Disability

Ophthalmology

Advanced Diabetic Eye Disease - Diagnosed by Specialist
Age Related Macular Degeneration (Armd)/Polypoidal Choroidal Vasculopathy (PCV)
Blindness
Cataract Requiring Surgery (Intraocular Lens – IOL)
Corneal Disorders Requiring Corneal Surgery (Corneal Transplant) – Diagnosed by Specialist
Enopthalmic Socket - Diagnosed by Specialist
Glaucoma Requiring Surgery with Glaucoma Implant
Retinal Vascular Disease - Diagnosed by Specialist

Orthopedic

Gangrene/Necrotizing Fasciitis Requiring Amputation
Knee Injury Requiring Surgery/Implant/Graft
Osteoarthritis Requiring Surgery/Implant
Prolapse Intervertebral Disc with Significant Neurological Deficit Requiring Surgery
Shoulder Injury with Instability/Function Compromised Requiring Surgery/Implant/Graft
Spinal Stenosis with Significant Neurological Symptoms/Deficit Requiring Surgery
Unstable Spine Fractures/Trauma Requiring Surgery and Implant/Rehab Equipment

Respiratory System

Bronchiectasis
Chronic Lung Disease
Lung Fibrosis
Obstructive Sleep Apnea
Secondary Pulmonary Hypertension
Severe Chronic Obstructive Pulmonary Disease (COPD) / Emphysema

Under 16 Child Illnesses

Congenital Diseases Requiring Medical or Surgical Intervention Treated by Specialist Intellectual
Impairment Due to Accident or Sickness
Leukemia
Severe Asthma

Mental Illness

Bipolar Mood
Major Depression
Schizophrenia

Musculoskeletal System

Systemic Lupus Erythematosus (SLE) with Major Organ Involvement
Systemic Sclerosis/Scleroderma with Functional Impairment and/or Major Organ Involvement
Rheumatoid Arthritis/ Arthritis of any joint with Deformities requiring Surgery/Orthosis

Rheumatology

Ankylosing Spondylitis Active Disease with Functional Impairment and/or Disability
Chronic Tophaceous Gout with Functional Impairment and/or Disability
Psoriatic Arthritis Active Disease with Functional Impairment and/or Disability
Rheumatoid Arthritis/ Arthritis of any joint with Deformities requiring Surgery/Orthosis

Other Diseases

AIDS/HIV
Deafness
Loss of Independent Existence
Major Burns
Major Organ Transplant
Terminal Illness

Cancer

All stages

Payment to Member

If medical costs have been paid

Payment to Local Medical Institution

If medical costs are still outstanding

What You Need

MyKad OR Original Identification Document
Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details
Form KWSP 3 (Pindaan) – for mail submissions/ failed thumbprint verification
Outpatient Bill/ Final Bill AND Original Receipt from Medical Institution (if payment has been paid)
Confirmation letter from the member’s and/ or approved family member’s employer stating the medical cost coverage (if applicable)
Medical Report - Critical Illness LPP-1
Proof of relationship between applicant and patient (If the applicant is not a patient)

Note: Form KWSP 9D (AHL) & Copy of identification documents/ MyKad is required for submission via mail or representative.

Additional Documents Required

Local Medical Institutions

1. Proof of illness

Original medical report from the medical institution

View Medical Report Sample - Critical Illness LPP-1

Complete with the patient’s details of illness, effects if left untreated, medical institution’s stamp, attending doctor’s signature, stamp, designation and discipline (not more than one year from the date of withdrawal application).

2. Proof of Payment
Actual medical bills
AND
Original payment receipts issued by the medical institution (for reimbursement)

Not more than one (1) year from application date and if the payment receipt is not in the applicant's name, an authorisation letter from the payer is required.

3. Proof of Identity
Patient's Identification documents*

*If the applicant is not the patient

4. Employer's Letter of Confirmation
Sponsorship confirmation letter from applicant's / patient's employer (if employed)

Patient	Employment Status	Employer's Letter of Confirmation
i) Member	Employer	Member
ii) Children	Mother/ Father Employed	Mother's AND Father's
iii) Husband/ Wife	Husband/ Wife Employed	Patient's AND Spouse's
iv) Parent	Children/ Mother/ Father Employed	Applicant's/ Mother/ Father's
v) Siblings	Employed	Patient's, Applicant's AND Mother's/ Father's

5. Proof of Relationship*
Marriage Certificate/ Birth Certificate/ Adoption papers from the National Registration Department (if adopted)
Whichever is applicable

*If the applicant is not the patient

6. Appendix Billing/ Invoice and Payment Receipt

7. Letter of Payment Confirmation on Treatment Cost and Authorization to apply for withdrawal

Overseas Medical Institution

1. Proof of illness

Original medical report from the medical institution

View Medical Report Sample - Critical Illness LPP-1

2. Proof of Payment
Actual medical bills
AND
Original payment receipts issued by the medical institution (for reimbursement)

Not more than one (1) year from application date and if the payment receipt is not in the applicant's name, an authorisation letter from the payer is required.

3. Proof of Identity
Patient's Identification documents*

*If the applicant is not the patient

4. Employer's Letter of Confirmation
Sponsorship confirmation letter from applicant's / patient's employer (if employed)

Patient	Employment Status	Employer's Letter of Confirmation
i) Member	Employer	Member
ii) Children	Mother/ Father Employed	Mother's AND Father's
iii) Husband/ Wife	Husband/ Wife Employed	Patient's AND Spouse's
iv) Parent	Children/ Mother/ Father Employed	Applicant's/ Mother/ Father's
v) Siblings	Employed	Patient's, Applicant's AND Mother's/ Father's

5. Proof of Relationship*
Marriage Certificate/ Birth Certificate/ Adoption papers from the National Registration Department (if adopted)
Whichever is applicable

*If the applicant is not the patient

6. Appendix Billing/ Invoice and Payment Receipt

7. Letter of Payment Confirmation on Treatment Cost and Authorization to apply for withdrawal

Medical Report Sample - Critical Illness LPP-1

Apply For Manual Withdrawal

Healthcare Protection - PM_IR (Critical Illness)

Payment Methods

Local Payments

Full payment in Ringgit Malaysia (RM) will be credited to your account
(If you hold an active account with our panel bank and your identification number matches the bank records)
If payment to your account is unsuccessful, you will be issued a Bankers Cheque

Overseas Payments

Full payment will be made via Foreign Demand Draft in the currency of your choice
(If your preferred currency is included in our list of approved currencies)
Full payment will be made via Foreign Demand Draft in US Dollars
(If your preferred currency is not available on our approved list)

Important Reminder

1. Certify your documents

Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.
(Complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)

Authorised Persons

2. Double check your panel banks

Refer to the list of EPF panel banks for direct crediting of payment into member’s account

EPF Panel Banks

3. Submit to EPF

Send your completed submissions at your nearest EPF Office or mail it to the EPF.

Find EPF Near You

Post to EPF:

JABATAN PENGURUSAN TRANSAKSI
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor.

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