医保个人账户跨省共济来了，医保钱包谁能用、怎么用？

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to enhance the cross-provincial mutual aid system for employee basic medical insurance personal accounts, expanding the scope from within provinces to nationwide, thereby strengthening family mutual assistance functions [1]. Group 1: Cross-Provincial Mutual Aid - Cross-provincial mutual aid allows insured individuals to use their personal account funds for family members in different provinces, facilitating support for those working away from home [1]. - Eligible mutual aid recipients include close relatives of the insured, such as spouses, parents, children, siblings, grandparents, and grandchildren [1][3]. Group 2: Usage of Mutual Aid Funds - Funds from the personal accounts can be used to cover personal medical expenses incurred by close relatives at designated medical institutions, as well as for purchasing approved medications and medical supplies at designated retail pharmacies [5]. - The funds can also be used for personal contributions to urban and rural resident basic medical insurance and long-term care insurance [5]. Group 3: Implementation of Mutual Aid - To facilitate the transfer of funds, both the donor and recipient must open a medical insurance wallet, which is linked to their personal medical insurance code [5]. - The process to open the medical insurance wallet involves using the National Medical Insurance Service Platform App, where users can confirm their usage and access their wallet [5][7]. Group 4: Transfer Limitations - Each medical insurance wallet account is limited to three transfers per day, with each transfer not exceeding 2,000 yuan [11]. - There is no shared reimbursement level or ratio for mutual aid; reimbursement policies depend on the type of insurance the individual is enrolled in, whether it is employee or resident basic medical insurance [11].