Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to accelerate the implementation of cross-provincial mutual aid for employee basic medical insurance personal accounts [1] Group 1: Policy Implementation - The new policy allows one mutual aid person to establish mutual aid relationships with multiple close relatives, and a mutual aid recipient can also accept mutual aid from multiple close relatives [1] - Employee medical insurance personal account funds can be used for medical expenses borne by mutual aid relatives at designated medical institutions, as well as for personal contributions to resident basic medical insurance and long-term care insurance [1] Group 2: Progress and Statistics - In the past five years, the National Healthcare Security Administration has guided provinces to conduct intra-provincial mutual aid for employee medical insurance personal accounts, with a cumulative total of over 780 million mutual aid instances and an amount exceeding 100 billion yuan [1] - The administration has also guided pilot provinces and cities to explore cross-provincial mutual aid, with 337 coordinated areas already achieving cross-provincial mutual aid [1]

Core Viewpoint - The article discusses the recent announcement by the National Healthcare Security Administration and the Ministry of Finance regarding the optimization of the personal account mutual aid policy for employee basic medical insurance, expanding the mutual aid scope from provincial to national levels, enhancing family support functions [4][5]. Group 1: Background and Rationale - The issuance of the notification aims to improve the mutual aid functionality of employee medical insurance personal accounts, addressing the demand for cross-provincial mutual aid and reducing the financial burden of medical expenses for the public [4]. - Over the past five years, provincial mutual aid has benefited over 780 million people, with a total amount exceeding 100 billion [4]. Group 2: Key Contents of the Notification - The notification specifies that the applicable scope for cross-provincial mutual aid includes the close relatives of insured employees, with mutual aid relationships established voluntarily and automatically dissolved upon changes in the insured person's medical insurance status [5]. - It clarifies the usage of mutual aid funds, which can cover personal medical expenses, payments for urban and rural resident basic medical insurance, and long-term care insurance contributions, while ensuring that mutual aid participants cannot use the same funds for their own accounts [5]. - The management of cross-provincial mutual aid fund clearing will occur monthly, following a unified national clearing process, with dynamic adjustments to fund scales [5]. Group 3: Benefits for the Public - The notification optimizes the personal account mutual aid policy, breaking regional restrictions and enhancing family support, allowing insured individuals to use their accounts for family members' medical expenses across provinces [7]. - This reform is expected to reduce the financial burden of medical expenses for families, improve fund utilization efficiency, and promote a more equitable and sustainable system [7].

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。 记者：彭韵佳、徐鹏航 海报制作：彭韵佳 国家医保局、财政部1月9日发布通知 加快实现 职工医保个人账户跨省共济 支持近亲属就医购药、参保缴费 实现更大范围的共济 新华社权威快报 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。 新华社国内部出品 【纠错】 【责任编辑:施歌】 ...

Group 1 - The core viewpoint of the articles is the initiative by the National Medical Insurance Administration to enhance the efficiency of personal medical insurance accounts by promoting cross-provincial cooperation through the use of a medical insurance wallet [1][2] - Postal Savings Bank is actively responding to the National Medical Insurance Administration's deployment by leveraging its extensive service network and digital capabilities to implement the medical insurance wallet system in various provinces and cities [1] - As of the end of August this year, Postal Savings Bank has assisted local medical insurance agencies in several provinces, including Jilin, Shaanxi, Gansu, and Chongqing, with approximately 9,000 individuals having opened accounts and around 9,000 transactions conducted, amounting to nearly 1.66 million yuan [1] Group 2 - Postal Savings Bank branches in Shaanxi, Gansu, and Chongqing are actively promoting the cross-provincial cooperation of the medical insurance wallet by utilizing their extensive grassroots network to educate local communities about the new services and policies [2] - The bank's leadership emphasizes its commitment to supporting national medical insurance reforms and enhancing financial services to contribute to the high-quality development of the national medical security system [2]

Core Insights - The introduction of the medical insurance wallet allows for cross-province transfers of personal medical insurance funds, enhancing accessibility for families [2][3] - The total balance of personal medical insurance accounts in China is projected to exceed 1.44 trillion yuan by 2024, indicating a significant amount of dormant funds that can now be utilized [1][2] Group 1: Medical Insurance Wallet Functionality - The medical insurance wallet is a new digital payment tool linked to personal medical insurance codes, facilitating fund transfers between family members [1][2] - As of January to July this year, there have been 170,600 transactions through the medical insurance wallet, amounting to 116 million yuan [2] Group 2: Usage and Access - To activate the medical insurance wallet, users must log into the National Medical Insurance Service Platform APP and follow a series of steps to confirm usage [3] - Each medical insurance wallet account is limited to three transfers per day, with a maximum transfer amount of 2,000 yuan per transaction [3]