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 Medical Insurance 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 allows insured individuals to transfer their personal account funds for the use of family members, particularly benefiting those who work away from home [1]. 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, grandchildren, and great-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, as well as for purchasing approved medications and medical supplies at designated retail pharmacies [4]. - The funds can also be utilized 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 funds are managed as virtual limits, ensuring that actual medical insurance funds are not transferred to the personal wallet, thus safeguarding the insurance fund [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 recent national medical security work conference outlined plans to fully implement the cross-provincial mutual aid usage of employee medical insurance personal account funds by 2025 [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].
再扩围！ 医保个人账户跨省共济提速
Xin Lang Cai Jing·2026-01-10 08:10