个人账户跨省共济，医保钱包怎么用？

Core Viewpoint - The introduction of the medical insurance wallet allows for cross-province transfers of personal medical insurance funds, enhancing accessibility and usability for families in need of medical services [1][2]. Group 1: Medical Insurance Wallet Functionality - The medical insurance wallet is a digital payment tool linked to personal medical insurance codes, facilitating payments for family members' medical expenses [1]. - As of 2024, the cumulative balance of personal medical insurance accounts in China is expected to exceed 1.44 trillion yuan [1]. - The national medical insurance bureau launched the cross-province sharing feature on December 2, 2024, enabling transfers to family members participating in local basic medical insurance [2]. Group 2: Usage and Transfer Process - To activate the medical insurance wallet, users must log into the national medical insurance service platform app and follow the prompts to confirm usage [3]. - Transfers can be made to family members who also have activated their medical insurance wallets, with a limit of three transfers per day and a maximum of 2,000 yuan per transfer [3]. - If the recipient has not activated their wallet, the transfer amount will be returned to the sender's account by 6 AM the next day [3].