职工医保个人账户将实现跨省共济

Core Viewpoint - The implementation of cross-provincial mutual aid for personal medical insurance accounts aims to alleviate the medical expense burden on families by allowing insured individuals to use their personal account funds for their close relatives' medical needs across provinces [1][2]. Group 1: Policy Implementation - The National Healthcare Security Administration and the Ministry of Finance issued a notification on January 9 to accelerate the realization of cross-provincial mutual aid for employee basic medical insurance personal accounts [1]. - The policy supports the use of personal account funds for near relatives' medical expenses, including medical treatment and medication purchases [1][2]. Group 2: Eligible Participants - The notification specifies that eligible mutual aid recipients include close relatives of the insured, such as spouses, parents, children, siblings, grandparents, and grandchildren [3]. - Both employee basic medical insurance and urban-rural resident basic medical insurance participants can be mutual aid recipients [3]. Group 3: Usage of Mutual Aid Funds - Mutual aid funds can be used to cover personal medical expenses incurred by close relatives at designated medical institutions and for purchasing approved medications and medical supplies [4]. - Funds can also be allocated for personal contributions to urban-rural resident basic medical insurance and long-term care insurance [4]. Group 4: Fund Management and Settlement - A national unified medical insurance information platform will establish a personal medical insurance wallet, allowing mutual aid contributors to set mutual aid limits for recipients [5]. - The mutual aid limit will be managed virtually, ensuring that the medical insurance fund remains secure, and unused limits will revert to the contributor's account upon termination of the mutual aid relationship [5]. - Monthly full settlement of expenses incurred through cross-provincial mutual aid will follow a unified national clearing process, with dynamic adjustments to fund scale [5]. Group 5: Future Outlook - The 2025 National Medical Security Work Conference confirmed the goal of fully realizing cross-provincial mutual aid for employee medical insurance personal accounts [6]. - The gradual implementation of this policy is expected to provide significant support for families separated by distance, enhancing their sense of security and connection [6].