医保个人账户共济范围从省内拓展至全国

Core Viewpoint - The expansion of the personal account mutual aid scope of the employee basic medical insurance from provincial to national level allows for the payment of medical expenses for near relatives in different locations, thereby reducing the financial burden on families [1][2]. Group 1: Eligible Participants - The mutual aid applies to near relatives of the employee basic medical insurance participants, including spouses, parents, children, siblings, grandparents, and grandchildren [3]. - The near relatives must also be participants in basic medical insurance (either employee basic medical insurance or urban-rural resident basic medical insurance) [4]. Group 2: Establishing Mutual Aid Relationships - Mutual aid relationships can be voluntarily established or terminated through the national medical insurance service platform, allowing one employee to establish relationships with multiple near relatives [4]. - If the medical insurance status of either the mutual aid provider or recipient changes, the mutual aid relationship will be automatically terminated [4]. Group 3: Usage of Mutual Aid Funds - Mutual aid funds can be used to cover personal medical expenses incurred by near relatives at designated medical institutions, as well as for purchasing approved medications and medical supplies at designated retail pharmacies [5][6]. - Funds can also be used for personal contributions to urban-rural resident basic medical insurance and long-term care insurance [5][6]. Group 4: Management of Mutual Aid Accounts - A unified national medical insurance information platform will establish personal medical insurance wallets, allowing mutual aid providers to set mutual aid limits for recipients [7]. - Within the mutual aid limit, the provider cannot use the corresponding amount of their personal account funds, effectively "freezing" those funds until the mutual aid relationship is terminated [7]. - Each medical insurance wallet account is limited to three transfers per day, with each transfer not exceeding 2,000 yuan [8].