好消息！医保账户余额能转账了

Group 1 - The core concept of the medical insurance wallet is that it allows insured individuals to transfer funds from their personal medical insurance accounts to the wallets of close relatives for medical expenses and medication purchases, facilitating inter-provincial cooperation in using personal account funds [2][4]. - Previously, personal medical insurance accounts only allowed for intra-provincial cooperation, but now, if an insured person has surplus funds in their account, they can transfer these funds to family members in different provinces, provided the family members are enrolled in basic medical insurance locally [4][3]. - The process to open a medical insurance wallet involves logging into the National Medical Insurance Service Platform and confirming the use of the wallet [10][7]. Group 2 - The transfer process requires the sender to fill in the recipient's basic information and submit a transfer request, with a limit of three transfers per day and a maximum amount of 2000 yuan per transfer [20][31]. - If the recipient does not accept the wallet transfer in a timely manner, the transferred amount will be returned to the sender's account by 6:00 AM the next day [35]. - Medical expenses eligible for reimbursement are managed under a directory system, with specific categories of medical expenses covered by the insurance fund [36][37].