Core Insights - The introduction of the medical insurance wallet has significantly improved the flow of funds in personal medical accounts, addressing the issue of "idle funds" in accounts of individuals working away from home [1][6][9] - As of July 2025, all 31 provinces and the Xinjiang Production and Construction Corps have launched the medical insurance wallet, facilitating cross-province mutual aid with a rapid increase in transaction amounts [1][7][10] Medical Insurance Wallet Implementation - The medical insurance wallet allows for cross-province mutual aid, with the cumulative amount for such transactions rising from over 4 million at the beginning of the year to over 40 million by July [1] - The wallet has enabled the use of personal account funds for family members across provinces, effectively reducing the financial burden of medical expenses [6][9] Personal Account Fund Accumulation - The cumulative balance of personal medical accounts has reached 1.45 trillion yuan, showing a steady increase from previous years [2] - The proportion of expenditures from personal accounts relative to income has increased from 81% in 2019 to 96% in 2023, indicating improved fund utilization [2] Cross-Province Mutual Aid Growth - The amount of cross-province mutual aid has seen explosive growth, with the total amount transferred via the medical insurance wallet reaching 4,663 million yuan from January to July 2025 [7] - The number of individuals utilizing cross-province mutual aid reached 231 million, with significant amounts being used for medical expenses and insurance premiums [5][9] Policy Changes and Impacts - Recent policy changes have expanded the scope of mutual aid to include "close relatives," enhancing the flexibility of fund usage [5] - The ability to transfer funds across provinces is expected to improve the overall efficiency of medical resource allocation and enhance healthcare service delivery [9][10]
医保个账“沉睡”资金正在盘活 ，跨省“流转”爆发式增长|晋观医养
Di Yi Cai Jing·2025-09-11 12:32