EPF withdrawal for medical treatment with self-declaration

epf withdrawal

Rules of EPF withdrawal are further simplified by the government. Now EPF subscriber can withdraw funds from EPF account for the medical treatment with self-declaration. The earlier requirement of producing a medical certificate from a doctor is removed from immediate effect. Only new composite claim form and self-declaration is enough for EPF withdrawal in case of medical treatment.

In addition to above requirement of producing a medical certificate by disable in order to purchase equipment to minimize hardship is also abolished. The details of new amendment made under paragraph 68J and 68N are given below.

Also Read – One Member One EPF Account – How to Transfer EPF Account?

EPF withdrawal for medical treatment with self-declaration 

EPF withdrawal for medical treatment

Under the paragraph 68 J, EPF subscriber can take nonrefundable advance from EPF account for medical treatment in certain cases including hospitalization lasting for one month or above, or major surgical operation or for the treatment of TB, leprosy, paralysis , cancer, mental imbalance or heart disorder. This provision is applicable for self and family member.

As per old rule, advance for medical treatment was granted only after receipt of medical certificate mentioning that member or dependent is hospitalized or require hospitalization for one month or above. Additional certificate from employer stating that subscriber is not eligible/covered under Employee state insurance was also required. The detail was required as certificate C.

All requirement mentioned above is removed. Only self-declaration is sufficient.

Also Read – New Single Composite Claim Form – EPF Withdrawal Simplified

EPF withdrawal for purchasing equipment by disable

Under the paragraph 68 N, disable EPF subscriber can withdraw money in order to purchase equipment for minimizing hardship. However, Certificate F from competent medical practitioner was a mandatory requirement in order to avail this benefit.

The requirement of Certificate F submission is also removed from immediate effect.

The maximum amount granted for above purpose should not exceed six month’s basic wages and dearness allowance or subscriber own contribution with interest thereon.

epf withdrawal medical

How to withdraw EPF by using composite claim form?

The process of claiming EPF advance by using composite claim form is very easy. You can use Aadhaar based composite claim form in case your Aadhaar number and bank account details are available on UAN portal and has been activated. In case your Aadhaar number details are not updated or you don’t have UAN activated account you can use composite claim form Non- Aadhaar. Only claim form is required no other document is required for such advances.

Download Composite Claim Form – Aadhaar

Download Composite Claim Form – Non Aadhaar

Article by Raviraj

Raviraj is the man behind moneyexcel.com. He is graduate in finance, engaged in blogging since 7 years. Moneyexcel blog is ranked as one of the Top 10 Personal Finance Blog in India. He is not affiliated with any financial product, service provider, agent or broker. The purpose of this blog is to spread financial awareness and help people in achieving excellence for money. Please note that the views expressed on this Blog/Comments are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment advice or legal opinion.

Subscribe to Blog

Enter your email address to subscribe to this blog and receive notifications of new posts by email.


  1. AVS says:


    I have a question, How many times an employee can withdraw PF for medical purposes. Is there a withdrawal restriction or can I submit a claim today and then another after one year for same purpose.


  2. Suri says:

    Hi Ravi, I would like to make withdrawal from my PF account. I am employed since 2010 ( Full Time / Permanent ) and currently have about 2Lakhs in Employee share. My reason for withdrawal is Medical purpose for myself and spouse, here are my questions:
    1.How much can i withdraw?
    2.My basic wage is 40K monthly – since i am private employee i dont have any DA
    3.How much time does it take for direct bank transfer ( I have all the KYC done )
    4. What documents/medical certificates do i need to publish

    Also, I am withdrawing for medical purpose for current expenses as well as future one’s – I hope this will not create any issue and government will not ask me later where I spent the amount.

    • Dear Mr.Suri,

      Answer of your queries are given below.

      1.You can withdraw 6 times of your monthly salary or total corpus (whichever is lower)
      2.This will take 2-3 weeks for approval and transfer of money.
      3.No medical certificate required for withdrawal.

      Government may not ask raise query. This is as per current law and information available.

  3. Anuj Singh says:

    Hi Raviraj,

    I got amount approved for EPF ,so i have two questions?

    1. Do they need any medical certificate later (if not now) ?
    2. And is there any background check for my claim verification or penalty,in case of EPF claim is more amount then needed.

    Anuj K Singh

  4. AMIT says:

    Hi Team,

    I have recently applied withdrawl last week under physical handicaped equipment. 68N CLAUSE.

    what are the clause included and let me when money will be disbursed. 4 years of pf member myself.

    everything details is correct and showing as under process from last week in UAN portal.

    • Dear Amit,

      It usually takes 2-3 week time for the processing of withdrawal request. Online request processing is faster compared to manual offline filing.

      • AMIT says:

        Hi Ravi,

        Thanks for the response.

        Please suggest can i withdraw under 68N approval-physical handicaped equipment.

        As recently they rejected my previous claim under sicknesss mdeical due to wages cluase of 21000 below stating me as a esic member.. i work for a private firmand not sure about esci member.

        Dont knw how they do this. please let me know if they can ask anything for 68N clause which is now submitted on uAN PORTAL.


        Please adivse for

        • Dear Amit,

          You are correct paragraph 68-N has been substituted wherein a member who is physically handicapped would be required to submit only a self-declaration which has already been included in the Composite Claim Form. A member would no longer be required to submit any medical certificate or document or any proforma whatsoever to avail advance under paragraph 68-N.

          Need to check further about ESIC Rules

  5. Suresh says:

    Hi Raviraj

    Thanks for the information, can you please help me out if my total PF amount in passbook is 55,000 Rs, Till how much i can withdraw for my medical treatment, can i withdraw 50000rs ????

Leave a Reply

Your email address will not be published. Required fields are marked *