医保个人账户，如何跨省给家人使用？一文读懂

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to enhance the cross-provincial mutual aid of personal accounts in employee basic medical insurance, allowing insured individuals to use their personal account funds for family members across 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, benefiting those who work away from home [1]. - Eligible mutual aid recipients include not only direct relatives such as spouses, parents, and children but also siblings, grandparents, grandchildren, and other close relatives, with one person able to establish mutual aid relationships with multiple individuals [1]. 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 [1]. - Additionally, these funds can be used for personal contributions to urban and rural resident basic medical insurance and long-term care insurance [1]. Group 3: Usage of Mutual Aid Funds - The mutual aid funds are managed through a "medical insurance wallet," which is linked to the individual's medical insurance code, requiring both the donor and recipient to activate their medical insurance wallets [2]. - The process to activate and use the medical insurance wallet involves logging into the National Medical Insurance Service Platform App, confirming usage, and submitting transfer requests, with a limit of three transfers per day and a maximum of 2000 yuan per transfer [2]. Group 4: Reimbursement and Policy Implications - The mutual aid does not affect the reimbursement qualifications, benefits, or policies of the recipient's medical insurance; the reimbursement will follow the local resident insurance rules regardless of the source of funds [3]. - Medical actions and diagnoses of family members using the mutual aid funds will not be recorded under the insured individual's name, ensuring no negative impact on future insurance participation [3].