- +60134485856
- enquiry@orthopedicspecialist.com.my
- Suite 35, 6th Floor, KPJ Kajang Specialist Hospital
Knee surgery — whether it’s a knee replacement, ACL reconstruction, or meniscus repair — can be costly. Thankfully, Malaysians can ease their financial burden using medical insurance or the EPF Account 2 Health Withdrawal Scheme.
Here’s a simple guide on how to use both options effectively.
If you’re covered by a medical insurance policy, your insurer may pay part or all of your surgery cost — depending on your coverage and policy terms.
Review Your Policy
Confirm your plan covers orthopaedic or knee surgeries, and check your annual limit, deductible, and exclusions.
Get a Medical Report
Your orthopaedic specialist (such as Dr Sashi Darshan) will provide a report stating your diagnosis and the need for surgery.
Submit for Pre-Authorisation
The hospital can help you send your documents to the insurer for cashless admission approval.
Proceed with Surgery
Once approved, the insurer pays the hospital directly (cashless) or reimburses you later if you’ve paid upfront.
If you don’t have insurance, you can apply to withdraw funds from EPF Account 2 under the Health Withdrawal Scheme for yourself or your dependents.
Get Medical Certification
Your doctor must confirm that knee surgery is required.
Prepare Documents:
Submit Application
Submit all documents to any EPF branch or through i-Akaun.
Processing usually takes 2–4 weeks.
Payment
Once approved, EPF will pay the hospital directly or reimburse you.
| Criteria | Medical Insurance | EPF Account 2 |
|---|---|---|
| Payment Type | Cashless or reimbursement | Direct to hospital / reimbursement |
| Approval Time | A few days | 2–4 weeks |
| Eligibility | Based on policy | Malaysian EPF member |
| Coverage Limit | As per your policy | Amount in Account 2 |
| Best For | Active insurance holders | Uninsured or additional support |
If you’re considering knee replacement or knee ligament surgery, consult Dr Sashi Darshan, Orthopaedic Specialist.
Our clinic can assist you with:
👉 Learn more about knee replacement surgery cost in Malaysia.
Both insurance and EPF can help you manage knee surgery expenses in Malaysia.
Always confirm your eligibility and documentation with your hospital billing department before your surgery.
Yes. Malaysian EPF members can withdraw savings from Account 2 under the Health Withdrawal Scheme for approved medical treatments such as knee surgery. The surgery must be certified by a registered doctor and performed at an EPF-approved hospital.
Most medical insurance policies in Malaysia cover knee replacement and other orthopaedic surgeries, depending on your plan’s terms and conditions. Patients can also enjoy cashless admission at panel hospitals once pre-authorisation is approved.
To apply, prepare the following:
If you already have medical insurance, it’s usually the best first option since it offers cashless admission and faster processing.
EPF withdrawal is ideal if you don’t have insurance or need additional support to cover remaining medical costs.
You can contact Dr Sashi Darshan, Orthopaedic Specialist.
Our team assists patients with:
We’ll help make the entire process smooth and stress-free.
If you’re experiencing knee pain, or your doctor has recommended knee surgery, don’t wait until the pain affects your daily life.
Our team at Orthopedic Specialist Malaysia, led by Dr Sashi Darshan, is here to guide you through every step — from diagnosis to treatment, insurance claims, and EPF withdrawal assistance.
Clinic: SD Clinic, KAJANG, Selangor
Call / WhatsApp: +6013 4485856
Book Online: https://orthopedicspecialist.com.my/book-appointment/
Let’s help you move better and live pain-free again.
Consult Dr Sashi Darshan today — your trusted orthopaedic specialist in Malaysia.
