医保使用范围扩大！

Group 1 - The core point of the news is the comprehensive increase in maternity insurance benefits in Beijing starting from January 2026, aimed at enhancing the support for childbirth and improving the maternity insurance system [1][2] - The reimbursement standard for prenatal check-up expenses under maternity insurance for female employees in Beijing will be raised from a maximum of 3,000 yuan to 100% reimbursement for expenses within 3,000 yuan, and 30% for expenses exceeding 3,000 yuan, with a maximum fund payment of 10,000 yuan [1] - New categories of individuals, including flexible employment workers, retirees, and insured residents, will also be eligible for reimbursement of prenatal check-up medical expenses under the maternity insurance standards [2] Group 2 - The personal account of employee medical insurance will be expanded for cross-province mutual assistance starting January 2026, allowing funds to be used nationwide [3][4] - The mutual assistance policy will apply to the close relatives of insured employees, enabling them to use the personal account funds for medical expenses incurred by family members [4][9] - The mutual assistance funds can be used for personal medical expenses, resident insurance, and long-term care insurance payments, enhancing the family support function of the medical insurance system [4][8] Group 3 - The implementation of cross-province mutual assistance for personal accounts is already operational in 337 regions across 21 provinces, including Sichuan, Jiangsu, and Shandong [8][11] - The definition of close relatives includes spouses, parents, children, siblings, grandparents, and grandchildren, allowing for a broader range of family members to benefit from the mutual assistance policy [9][7] - Different regions may have specific requirements for binding close relatives to the mutual assistance accounts, indicating a need for awareness of local policies [13]