Core Viewpoint - The new policy on cross-provincial mutual aid for employee basic medical insurance personal accounts aims to optimize the mutual aid system, breaking regional restrictions and enhancing family support functions, allowing funds to be used nationwide [1][2]. Group 1: Policy Changes - The geographic scope of mutual aid has been historically expanded from intra-provincial to cross-provincial, allowing personal account funds to flow freely across the country [3]. - The eligible beneficiaries are clearly defined as "close relatives," including spouses, parents, children, siblings, grandparents, grandchildren, and great-grandchildren, ensuring the policy's precision and sustainability [3]. - The management mechanism is more flexible and user-friendly, allowing voluntary establishment or dissolution of mutual aid relationships, which reflects a humanized and convenient policy design [3]. Group 2: Benefits and Implications - The new policy is expected to benefit large groups such as migrant workers, elderly individuals living in different regions, students studying away from home, and dispersed family members, highlighting its significant social impact [3]. - The policy aims to activate dormant funds and improve the efficiency of fund utilization, which is crucial for enhancing the overall protection offered by limited resources [4]. - The cross-provincial mutual aid policy is anticipated to alleviate concerns for mobile workers, enabling them to work and innovate in different regions with greater peace of mind, thus promoting population mobility [4].

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to enhance the cross-provincial mutual aid system for employee basic medical insurance personal accounts, expanding the scope from within provinces to nationwide, thereby strengthening family mutual assistance functions [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, facilitating support for those working away from home [1]. - Eligible mutual aid recipients include close relatives of the insured, such as spouses, parents, children, siblings, grandparents, and grandchildren [1][3]. Group 2: Usage of Mutual Aid Funds - Funds from the personal accounts 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 [5]. - The funds can also be used for personal contributions to urban and rural resident basic medical insurance and long-term care insurance [5]. Group 3: Implementation of Mutual Aid - To facilitate the transfer of funds, both the donor and recipient must open a medical insurance wallet, which is linked to their personal medical insurance code [5]. - The process to open the medical insurance wallet involves using the National Medical Insurance Service Platform App, where users can confirm their usage and access their wallet [5][7]. Group 4: Transfer Limitations - Each medical insurance wallet account is limited to three transfers per day, with each transfer not exceeding 2,000 yuan [11]. - There is no shared reimbursement level or ratio for mutual aid; reimbursement policies depend on the type of insurance the individual is enrolled in, whether it is employee or resident basic medical insurance [11].

转自：央视新闻客户端 国家医保局、财政部今天（9日）印发通知，要求做好职工基本医疗保险个人账户跨省共济工作。进一步优化个人账户共济政策，打破地域限制，强化家庭 互助功能，将职工基本医疗保险个人账户共济范围从省内拓展至全国。 什么是医保个人账户跨省共济？哪些人可以成为共济对象？共济资金怎么使用？一起来看相关解答↓ 哪些人可成为共济对象？ 共济资金怎么用？ 哪些人可以成为共济对象？通知明确，跨省共济的适用对象范围为职工基本医疗保险参保人的近亲属，包括配偶、父母、子女、兄弟姐妹、祖父母、外祖父 母、孙子女、外孙子女。 作为被共济人，近亲属应是基本医保的参保对象，参加的可以是职工基本医保，也可以是城乡居民基本医保。共济关系可由双方自愿建立或解除，且一人可 与多人互建共济关系。 共济资金可以怎么使用？根据通知，职工医保个人账户资金可以支付近亲属在定点医疗机构就医发生的个人负担医疗费用，在定点零售药店购买符合规定的 药品、医疗器械、医用耗材发生的个人负担费用，以及参加城乡居民基本医疗保险、长期护理保险的个人缴费。 实现转账共济 共济双方需开通医保钱包 共济人个人账户的钱怎么给被共济人使用？答案是：通过医保钱包。医保钱包是 ...

国家医保局会同财政部1月9日发布《关于做好职工基本医疗保险个人账户跨省共济工作的通知》，进一 步优化个人账户共济政策，打破地域限制，强化家庭互助功能，将职工基本医疗保险个人账户共济范围 从省内拓展至全国。 通知明确，跨省共济的适用对象范围为职工基本医疗保险参保人的近亲属。共济关系可由双方自愿建立 或解除，参保人医保关系变动时该关系自动解除，且一人可与多人互建共济关系。 共济资金可用于支付被共济人就医购药的个人负担费用、居民医保及长期护理保险个人缴费。在共济额 度内，共济人不能再使用该额度的个人账户资金。关系解除后未使用额度返还共济人账户。 医保个人账户跨省共济 怎么用？有哪些利好？解读来了 国家医保局会同财政部近日印发《国家医保局财政部关于做好职工基本医疗保险个人账户跨省共济工作 的通知》。国家医保局有关负责人对此进行了解读。 为什么要出台《通知》？ 中央相关文件提出要健全职工医保个人账户的共济使用功能。前期，国家医保局指导各省开展职工基本 医疗保险个人账户省内共济已彰显成效，5年来累计共济超7.8亿人次，金额超1000亿元。同时，指导试 点省市探索开展跨省共济，337个统筹地区开通医保钱包并实现跨省共济。 ...

共济关系可通过国家医保服务平台等渠道自愿建立或解除。一名职工可以同时与多位近亲属建立共济关 系，一位近亲属也可同时被多位家庭成员授权。当任何一方医保关系发生转移或终止等情况时，共济关 系将自动解除。共济资金可用于支付被共济人就医购药的个人负担费用、居民医保及长期护理保险个人 缴费。在共济额度内，共济人不能再使用该额度的个人账户资金。关系解除后未使用额度返还共济人账 户。个人账户跨省共济产生的费用按月全额清算，参照跨省异地就医清算流程，由国家统一清分、省市 分级清算，可依托预付金保障清算时效，资金规模动态调整。此前，医保个人账户跨省共济在河北、江 苏、安徽、山东、河南等省份部分地区试点运行。 (责任编辑：孟茜云) 什么是跨省共济？跨省共济，简单来说，就是职工医保参保人个人账户里的资金，可以跨省给家人使 用。例如在异地工作的子女，可以授权父母使用自己医保账户的余额，支付在老家看病买药时需个人承 担的医疗费用。通知明确，跨省共济的适用对象为职工医保参保人本人的近亲属，包括配偶、父母、子 女等。近亲属本人也需是基本医疗保险(职工医保或居民医保)的参保人员。 共济关系可自愿建立或解除 今天(1月9日)，国家医保局会同财 ...

记者：彭韵佳、徐鹏航 新华社音视频部制作 【纠错】 【责任编辑:施歌】 编导：赵宇超 ...

Group 1 - The core viewpoint of the article is the issuance of a notification by the National Healthcare Security Administration and the Ministry of Finance to enhance the cross-provincial pooling of personal accounts in the basic medical insurance for employees, aiming to optimize the policy and reduce the medical cost burden for the public [1][2]. Group 2 - The notification is a response to previous guidelines aimed at improving the pooling function of personal accounts in employee medical insurance, which has already seen over 780 million instances of pooling and more than 100 billion yuan in funds over the past five years [2]. - The notification outlines the management of cross-provincial pooling relationships, specifying that eligible individuals include the close relatives of insured employees, and that these relationships can be voluntarily established or dissolved [3]. - It clarifies the usage of pooled funds, which can cover personal medical expenses, insurance premiums, and long-term care insurance contributions for the beneficiaries, while ensuring that pooled funds cannot be used again once allocated [3]. - The notification establishes a monthly full settlement process for cross-provincial pooling expenses, with a dynamic adjustment of fund scale based on the prepayment system [3]. - It emphasizes the need for collaboration among healthcare and finance departments to enhance organizational leadership, regulatory oversight, and information system integration to improve public awareness and access to the benefits [3]. Group 3 - The notification significantly benefits the public by expanding the pooling policy from provincial to national levels, allowing personal account funds to be used for family members' medical expenses across provinces, thus transforming dormant personal account funds into "family health funds" [4]. - This cross-provincial pooling will enhance immediate family support, effectively reduce the medical cost burden on the public, improve fund utilization efficiency, and promote a more equitable and sustainable system [4].

打破地域限制，跨省共济正让更多"沉睡"的医保个人账户资金转化为"家庭健康金"。 为减轻群众医疗费用负担，国家医保局会同财政部1月9日发布通知，加快实现职工基本医保个人账户跨 省共济使用，支持近亲属就医购药、参保缴费。 跨省共济，简单来说，就是参保人个人账户的钱能跨省让家人使用，比如在外务工的人，可以跨省让老 家的亲人使用自己的医保个人账户资金。 根据通知，共济资金可用于支付近亲属在定点医疗机构就医发生的个人负担医疗费用，在定点零售药店 购买符合规定的药品、医疗器械、医用耗材发生的个人负担费用，也可以用于参加城乡居民基本医保、 长期护理险的个人缴费。 共济人个人账户的钱如何给被共济人使用？ 依托全国统一的医保信息平台设立个人医保钱包，共济人通过医保钱包为被共济人设定共济额度。个人 医保钱包实行虚拟额度管理，医保基金不得实际拨入个人医保钱包，保障医保基金安全。 在共济额度内，共济人不能再使用该额度的个人账户资金，也就是说，相应额度的资金在个人账户 中"被冻结"。共济关系解除后，未使用额度将返还共济人的账户，共济人可以继续使用相应额度的资 金。 此次文件发布对推动跨省共济政策落地、实现更大范围共济，有着积极意义。 ...

前期，国家医保局指导各省开展职工医保个人账户省内共济已彰显成效，5年来累计共济超7.8亿人次， 金额超1000亿元。同时，指导试点省市探索开展跨省共济，337个统筹地区开通医保钱包并实现跨省共 济。 《通知》明确，跨省共济的适用对象范围为职工基本医疗保险参保人的近亲属。一人可与多人互建共济 关系。 （文章来源：中国基金报） 来源：新闻联播 《通知》进一步优化了个人账户共济政策，将"沉睡"的个人账户资金转化为"家庭健康金"，职工医保个 人账户资金可以支付近亲属在定点医疗机构就医发生的个人负担医疗费用，在定点零售药店购买符合规 定的药品、医疗器械、医用耗材发生的个人负担费用，以及参加城乡居民基本医疗保险、长期护理保险 的个人缴费。 国家医保局、财政部今天（9日）印发通知，要求做好职工基本医疗保险个人账户跨省共济工作。 ...

打破地域限制，跨省共济正让更多"沉睡"的医保个人账户资金转化为"家庭健康金"。 共济资金的使用范围有哪些？ 根据通知，共济资金可用于支付近亲属在定点医疗机构就医发生的个人负担医疗费用，在定点零售药店购买符合规定的药品、医疗器械、医 用耗材发生的个人负担费用，也可以用于参加城乡居民基本医保、长期护理险的个人缴费。 为减轻群众医疗费用负担，国家医保局会同财政部1月9日发布通知，加快实现职工基本医保个人账户跨省共济使用，支持近亲属就医购药、 参保缴费。 跨省共济，简单来说，就是参保人个人账户的钱能跨省让家人使用，比如在外务工的人，可以跨省让老家的亲人使用自己的医保个人账户资 金。 此次文件发布对推动跨省共济政策落地、实现更大范围共济，有着积极意义。 哪些人可以成为共济对象？ 通知明确，跨省共济的适用对象范围为职工基本医疗保险参保人的近亲属，包括配偶、父母、子女、兄弟姐妹、祖父母、外祖父母、孙子 女、外孙子女。 作为被共济人，近亲属应是基本医保的参保对象，参加的可以是职工基本医保，也可以是城乡居民基本医保。 共济关系可由双方自愿建立或解除，参保人医保关系变动时该关系自动解除，且一人可与多人互建共济关系。当共济人或被共 ...