医保共济跨省“破壁”，民生保障更加坚实

Core Viewpoint - The new policy on cross-provincial mutual aid for employee basic medical insurance personal accounts aims to optimize the mutual aid system, breaking regional restrictions and enhancing family support functions, allowing funds to be used nationwide [1][2]. Group 1: Policy Changes - The geographic scope of mutual aid has been historically expanded from intra-provincial to cross-provincial, allowing personal account funds to flow freely across the country [3]. - The eligible beneficiaries are clearly defined as "close relatives," including spouses, parents, children, siblings, grandparents, grandchildren, and great-grandchildren, ensuring the policy's precision and sustainability [3]. - The management mechanism is more flexible and user-friendly, allowing voluntary establishment or dissolution of mutual aid relationships, which reflects a humanized and convenient policy design [3]. Group 2: Benefits and Implications - The new policy is expected to benefit large groups such as migrant workers, elderly individuals living in different regions, students studying away from home, and dispersed family members, highlighting its significant social impact [3]. - The policy aims to activate dormant funds and improve the efficiency of fund utilization, which is crucial for enhancing the overall protection offered by limited resources [4]. - The cross-provincial mutual aid policy is anticipated to alleviate concerns for mobile workers, enabling them to work and innovate in different regions with greater peace of mind, thus promoting population mobility [4].