医保个人账户，如何跨省给家人使用？详细步骤来了

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, such as those working away from home, enabling them to cover medical expenses for relatives in their hometown [1] Group 2: Eligible Recipients - The notice specifies that eligible recipients for mutual aid include not only direct relatives like spouses, parents, and children but also siblings, grandparents, grandchildren, and other close relatives, allowing one person to establish mutual aid relationships with multiple individuals [2] Group 3: Eligible Expenses - Funds from the employee medical insurance personal account can be used to pay for personal medical expenses incurred by close relatives at designated medical institutions, purchase approved medications and medical supplies at designated retail pharmacies, and cover personal contributions to urban and rural resident basic medical insurance and long-term care insurance [3] Group 4: Fund Transfer Process - The transfer of personal account funds to eligible recipients 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 fund transfers [4] Group 5: Transfer Limitations - Each Medical Insurance Wallet account is limited to three transfers per day, with a maximum transfer amount of 2000 yuan per transaction. If the transfer exceeds these limits, additional documentation may be required [9] Group 6: Reimbursement Implications - Mutual aid from personal accounts does not affect the reimbursement qualifications, benefits, or policies of the recipient. For instance, if an employee uses their personal account funds to assist a parent enrolled in resident insurance, the parent's reimbursement terms remain unchanged and are based on their own insurance coverage [9]