Core Viewpoint - The new policy allows employees' medical insurance personal account funds to be used across provinces for close relatives, aiming to enhance the efficiency and fairness of the medical insurance system [1][6]. Group 1: Policy Overview - The cross-province mutual account allows employees' medical insurance participants to use their personal account funds for close relatives, including spouses, parents, children, and siblings [1]. - The mutual funds can cover personal medical expenses at designated medical institutions and pharmacies, as well as personal contributions to basic medical insurance and long-term care insurance [1]. - The mutual relationship can be established or terminated voluntarily, and it automatically dissolves when the insurance relationship changes [1][2]. Group 2: Practical Implementation - Participants can use the National Medical Insurance Service Platform App or local WeChat accounts to manage the mutual account [2][3]. - Each account can transfer up to 2,000 yuan per transaction, with a limit of three transactions per day [3]. - There is no minimum balance requirement for the mutual account; any positive balance allows for authorization [4]. Group 3: Distinction from Related Concepts - The "family account" is a sub-account linked to the main insurance code, allowing family members to use the electronic certificate for payments but does not enable sharing of personal account funds [5]. - The mutual account policy aims to address the imbalance in medical insurance needs, particularly benefiting older populations facing higher out-of-pocket expenses [5][6]. - The expansion of the mutual account from local to national levels aims to alleviate financial burdens for families, especially those with members living in different regions [6].