EPF Expands List Of Critical Illnesses Eligible For Health Withdrawal

The Employees Provident Fund (EPF) has expanded its list of critical illnesses eligible
under its Health Withdrawals from 13 illnesses to 36 effective 15 June 2010.

The EPF Health Withdrawal which allows the withdrawal for the treatment of critical
illnesses such as major organ transplant, multiple sclerosis, stroke, and cancer has now
been expanded to include among others Alzheimer’s Disease, Parkinson’s Disease,
chronic liver disease, chronic lung disease, Systemic Lupus Erythematosus (SLE) with
Lupus Mephritis and paralysis. (Refer to full list of critical illnesses attached)

“The new expanded list takes into consideration the significant costs required in treating
these critical illnesses, and is aimed at helping members fully settle or help ease their
financial burden of seeking treatment,” said Tan Sri Azlan Zainol, Chief Executive
Officer of the EPF.

In addition to the 36 critical illnesses, members may now make withdrawals to treat
family members who are under the age of 16 for another three critical illnesses namely
severe asthma, leukemia and intellectual impairment due to accident or sickness.

Under the Health Withdrawal, members are allowed to withdraw savings from their
Account 2 to pay for their own and family members’ medical costs incurred for the
treatment of critical illnesses.

Family members under this withdrawal include spouse, children, step-children or legally
adopted children, parents, parents-in-law, step-parents or legally foster parents, and
siblings.

Members can also make a joint withdrawal with other family members to cover the
required medical expenses, subject to the available balance in Account 2 and total cost of
the medical treatment.

All withdrawals are also subjected to the validity of medical report, bills and receipts
which must not exceed one year from the date the withdrawal application is submitted.

All bills and receipts must also be in the name of the patient or applicant.
A member is not eligible to apply for the withdrawal if the illness is other than that stated
in the EPF’s approved list of critical illnesses, or the cost of medical treatment is fully
covered by the respective member’s employer or the employer of his or her family
members.

Additionally, if a member is receiving fertility treatments or alternative treatments such

as acupuncture or traditional medication, he or she is also not entitled to apply.
The full list of approved critical illnesses and further information on how to withdraw
under the EPF Health Withdrawal are available on this website. You can also call our
Call Centre at 03 – 8922 6000 or visit the nearest EPF branch.

About the Employees Provident Fund (EPF)

The Employees Provident Fund (EPF) is Malaysia’s premier pension fund, providing
basic financial security for retirement. The Fund is committed to preserving and growing
the savings of its members in accordance with best practices in investment and corporate
governance. It will always be guided by prudence in its investment decisions.
As a customer-focused organization, the EPF delivers efficient and reliable services for
the convenience of its members and registered employers.
The EPF continues to play a catalytic role in the nation’s economic growth, consistent
with its position as a leading savings institution in Malaysia.

Date: 14 June 2010

Terms Of Withdrawal

• You are eligible to withdraw to pay for the medical expenses for the treatment of
critical illnesses approved by the EPF Board for yourself and family members.
The approved critical illnesses are as follows:
o Aplastic Anaemia
o Appalic Syndrome
o Alzheimer’s Disease
o Benign Tumour of the Brain
o Blindness
o Cancer
o Cardiomyopathy
o Chronic Liver Disease
o Chronic Lung Disease
o Coma
o Coronary Artery Disease
o Deafness
o Encephalitis
o Fulminant Viral Hepatitis
o Heart Attack
o Heart Valve Replacement
o Kidney Failure
o Loss of Independent Existence
o Loss of Speech
o Major Burns
o Major Head Trauma
o Major Organ Transplant
o Medullary Cystic Disease
 o Meningitis
o Motor Neurone Disease
o Multiple Sclerosis
o Muscular Dystrophy
o Paralysis
o Parkinson’s Disease
o Poliomyelitis
o Primary Pulmonary
o Stroke
o Surgery to Aorta
o Systemic Lupus Erythematosus with Lupus Nephritis
o Terminal Illness
o Total Permanent Disability
• Additional of 3 critical illnesses for member/family below 16 years of age are as
follows:
o Severe Asthma
o Leukaemia
o Intellectual Impairment Due to Accident or Sickness
• You can cover the following family members under this withdrawal:
o Your spouse;
o Your children, step-children or legally adopted children;
o Your parents, parents-in-law, step-parents or foster parents;
o Your siblings.

• The medical expenses that will be considered for EPF withdrawal includes all
charges by the hospital/medical centre related to treatment received by the patient.
• Validity of Medical Report/Bills and Receipts:
o Medical report, bills and receipts not exceeding 1 year from the date the
withdrawal application is submitted;
o Bills and receipts must be in the name of the patient or applicant.
• You can also make a joint-withdrawal with other family members to cover the
required medical expenses (subject to the available balance in Account 2 and cost
of medical treatment).
• You may choose to withdraw any amount from your Account 2 subject to cost of
the medical treatment.
• You are not eligible to apply if:
o The illness is other than that stated in the approved critical illnesses list;
o The cost of medical treatment is fully covered by your employer or the
employer of any of your family members;
o You are receiving fertility treatments;
o You are receiving alternative treatments such as acupuncture or traditional
medication.
Updated: 14 June 2010