打破地域限制、强化家庭互助功能，医保个人账户共济范围拓展至全国

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to optimize the personal account mutual aid policy for employee basic medical insurance, expanding the mutual aid scope from provincial to national level [1] Group 1: Policy Changes - The notice allows for cross-provincial mutual aid for the close relatives of employees covered by basic medical insurance [1] - Mutual aid relationships can be voluntarily established or dissolved by both parties, and will automatically terminate when the insured person's medical insurance relationship changes [1] - One individual can establish mutual aid relationships with multiple people [1] Group 2: Fund Utilization - Mutual aid funds can be used to cover personal medical expenses, resident medical insurance, and personal contributions to long-term care insurance for the mutual aid recipients [1] - Within the mutual aid limit, the mutual aid recipient cannot use the personal account funds again [1] - Any unused mutual aid amount will be returned to the mutual aid provider's account upon termination of the relationship [1]