个人账户资金转化为“家庭共享”

Core Viewpoint - The new policy by the National Healthcare Security Administration and the Ministry of Finance aims to optimize the personal account mutual aid system of basic medical insurance, expanding its scope from provincial to national level, enhancing family mutual assistance capabilities [1] Group 1: Policy Details - The mutual aid policy allows for cross-province mutual aid among close relatives of insured individuals under the basic medical insurance [1] - The mutual aid relationship can be voluntarily established or dissolved, and it automatically ends when the insured individual's insurance relationship changes [1] - Funds from the mutual aid can be used for medical expenses, medication purchases, and personal contributions to resident insurance and long-term care insurance [1] Group 2: Implementation and Impact - The policy is a step towards implementing the national strategy for improving outpatient mutual aid mechanisms in employee medical insurance [1] - Over the past five years, provincial mutual aid has benefited over 780 million people [1] - The implementation of this policy signifies a shift from regional to national mutual aid capabilities, transforming personal account funds into a family-shared "health fund" [1]