Under what circumstances can employees withdraw from their EPF account before retirement?

Employees can withdraw from their Employee Provident Fund (EPF) account before retirement under specific circumstances that are primarily related to significant life events. The correct choice emphasizes the ability to withdraw funds for purchasing a home or in cases of medical emergencies.

This framework is designed to support employees in managing essential financial needs that can arise throughout their working life. For instance, many people consider home ownership a critical step towards financial stability and long-term investment. Similarly, unexpected medical emergencies can place financial strain on individuals, making it necessary for them to access their EPF savings for medical expenses.

The other options do not accurately reflect the policies surrounding EPF withdrawals before retirement, which are more focused on urgent and significant financial needs rather than leisure or job transitions.