跨越山海的保障！职工医保个账跨省共济 8类近亲属可共享

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to enhance the cross-provincial mutual aid for personal accounts in basic medical insurance, expanding the scope from provincial to national level [1] Group 1: Policy Changes - The new policy allows insured individuals to use their personal account funds for their close relatives across provinces, facilitating support for family members who may be working away from home [3] - The eligible beneficiaries include close relatives such as spouses, parents, children, siblings, grandparents, and grandchildren, who must also be insured under basic medical insurance [3] Group 2: Implementation Mechanism - To utilize the mutual aid, both the contributor and the beneficiary must open a medical insurance wallet, which is linked to their personal medical insurance code [4] - The funds from the personal account can cover out-of-pocket medical expenses incurred by the beneficiaries at designated medical institutions and pharmacies, as well as personal contributions to other insurance plans [3][4] Group 3: Financial Impact - Over the past five years, the mutual aid from personal accounts has exceeded 100 billion yuan, benefiting over 78 million individuals [6][8] - The policy has progressively expanded the mutual aid scope from city-level to provincial and now to national levels, with 337 healthcare coordination areas implementing cross-provincial mutual aid [8]