Can I use EPF or insurance to pay for IVF in Malaysia?

Sep 11, 2026

EPF (Employees Provident Fund) Account 2 withdrawals are eligible for IVF and fertility treatments in Malaysia. At Monash IVF KPJ Johor, a Maybank EZY Pay 0% instalment plan is also available to help spread the cost. Most private insurance plans do not cover IVF, but some policies may offer partial coverage; check with your insurer directly. LHDN also allows claims of up to RM10,000 in medical tax relief for fertility treatment expenses.