共济人个人账户的钱如何给被共济人使用?

Core Viewpoint - The establishment of a personal medical insurance wallet based on a nationwide unified medical insurance information platform allows contributors to set a mutual aid limit for beneficiaries, ensuring the safety of medical insurance funds through virtual limit management [1] Group 1: Personal Medical Insurance Wallet - The personal medical insurance wallet operates under a virtual limit management system, meaning that actual medical insurance funds are not transferred into individual wallets, thus safeguarding the funds [1] - Within the mutual aid limit, contributors cannot use the corresponding funds in their personal accounts, effectively freezing those funds [1] - Upon termination of the mutual aid relationship, any unused limit will be returned to the contributor's account, allowing them to continue using the corresponding funds [1] Group 2: Settlement Process - Expenses incurred from cross-province mutual aid will be fully settled monthly, following the settlement process for cross-province medical treatment [1] - The settlement will be managed by a national unified clearing system, with provincial and municipal levels handling the distribution [1] - The scale of funds for settlement can be dynamically adjusted, relying on prepayment to ensure timely clearing [1]