医保个人账户将实现跨省共济 为异地近亲属支付就医参保费用

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have announced a nationwide initiative to allow cross-province family pooling of personal accounts in employee basic medical insurance, expanding the scope from provincial to national level [1][2] Group 1: Policy Implementation - The policy allows employees to use their personal account funds to pay for medical expenses and insurance premiums for close relatives in different provinces [1] - Eligible close relatives include spouses, parents, and children, who must also be insured under basic medical insurance [1] - The pooling relationship can be established or terminated voluntarily through the National Medical Insurance Service Platform [1] Group 2: Fund Management - A unified national medical insurance information platform will manage the pooling function, allowing insured individuals to set a pooling limit for their family members [2] - The pooling limit will be managed virtually, ensuring that funds remain secure and are not transferred out of the personal account [2] - Unused pooling limits will be released back to the insured individual once the pooling relationship is terminated [2] Group 3: Financial Settlement - Expenses incurred from cross-province pooling will be settled monthly, following a unified clearing process managed by the state [2] - The initiative is based on successful local practices, which have benefited over 780 million people in the past five years [2] - The policy aims to enhance the efficiency of fund usage and support families with members working in different provinces [2]