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

Core Insights - The introduction of the medical insurance wallet is breaking the regional barriers of personal medical accounts, allowing for better fund circulation and meeting healthcare needs more effectively [1][7][10] - The cumulative amount for cross-province mutual aid through personal medical accounts has significantly increased, from over 4 million at the beginning of the year to 40 million by July [1][8] - The total balance of personal medical accounts has reached 1.45 trillion, reflecting a continuous growth trend since the establishment of the employee medical insurance system in 1998 [3][4] Group 1: Medical Insurance Wallet - The medical insurance wallet has been launched across all 31 provinces and Xinjiang Production and Construction Corps, facilitating cross-province mutual aid [1][7] - The wallet allows for real-time fund transfers without fees, enhancing the ability of families to manage healthcare costs across different regions [7][11] - As of July 2025, the cumulative transfer amount through the medical insurance wallet reached 4,663 million, indicating rapid growth in cross-province mutual aid [8][10] Group 2: Personal Medical Account Reform - The personal medical account balance has grown from 1.0096 trillion in 2020 to 1.45 trillion in 2024, showing a significant increase in available funds [3][4] - The proportion of expenditures from personal medical accounts to income has improved from 81% in 2019 to 96% in 2023, indicating better fund utilization [3] - The mutual aid scope has expanded to include near relatives, allowing for more flexible use of funds [6][11] Group 3: Impact on Healthcare Access - The cross-province mutual aid system is expected to alleviate the financial burden of high medical costs for families, enhancing their healthcare security [8][10] - The increase in mutual aid transactions is likely to improve the allocation of medical resources and services across different regions [11] - The ability to use personal medical account funds for resident basic medical insurance payments is anticipated to increase participation rates in health insurance [11]