医保账户余额能转账给家人了！但使用前一定要注意

Group 1 - The core concept of the medical insurance wallet is that it allows insured individuals to transfer funds from their personal medical accounts to the wallets of close relatives for medical expenses and medication purchases, facilitating inter-provincial cooperation in using personal account funds [1][2][3] - Previously, personal medical accounts only allowed for intra-provincial cooperation, but now, if the insured participates in employee medical insurance and has surplus funds, they can transfer funds to family members in different provinces as long as those family members are enrolled in basic medical insurance locally [1][2][3] - The process to open a medical insurance wallet involves logging into the National Medical Insurance Service Platform App and confirming the use of the wallet, which is available in all regions [4][5][6] Group 2 - The wallet transfer application requires the sender to fill in the recipient's basic information and submit the request, with a limit of three transfers per day, each not exceeding 2000 yuan, and transfers cannot be made between 22:00 and 06:00 [29][15][18] - If the recipient's wallet is not opened, the transfer cannot be completed, and any unclaimed funds will be returned to the sender's account by 06:00 the next day [29][31] - The medical insurance reimbursement system operates under a directory management approach, where only expenses listed in the directory are eligible for reimbursement, and the directory is subject to annual adjustments by national and provincial authorities [32][33][34]