医保个人账户，如何跨省给家人使用？（含详细使用步骤）

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to enhance the cross-provincial mutual aid for employee basic medical insurance personal accounts, allowing insured individuals to use their personal account funds for family members in different provinces [1] Group 1: Cross-Provincial Mutual Aid - Cross-provincial mutual aid allows insured individuals to use their personal account funds for family members in different provinces, which is particularly beneficial for those working away from home [1] - The notice specifies that mutual aid can extend to not only direct relatives like spouses, parents, and children but also to siblings, grandparents, grandchildren, and other close relatives, allowing one person to establish mutual aid relationships with multiple individuals [2] Group 2: Eligible Expenditures - Funds from the employee medical insurance personal account can be used to cover personal medical expenses incurred by close relatives at designated medical institutions, as well as for purchasing approved medications, medical devices, and supplies at designated retail pharmacies [3] - Additionally, these funds can be utilized for personal contributions to urban and rural resident basic medical insurance and long-term care insurance [3] Group 3: Fund Transfer Process - The transfer of personal account funds to family members is facilitated through the Medical Insurance Wallet, which is linked to the individual's medical insurance code. Both the donor and recipient must activate their Medical Insurance Wallets to enable this feature [4] - The process involves logging into the National Medical Insurance Service Platform App, confirming the use of the wallet, and submitting the necessary information for the transfer [6][10] Group 4: Transfer Limitations and Conditions - Each Medical Insurance Wallet account is limited to three transfers per day, with a maximum transfer amount of 2000 yuan per transaction. Exceeding these limits requires additional documentation [8][10] - It is important to note that mutual aid only involves sharing funds and does not affect the eligibility, benefits, or policies related to medical insurance reimbursement for the recipient [10]