Group 1 - The core concept of the medical insurance wallet is that it allows insured individuals to transfer funds from their personal medical insurance accounts to the wallets of close relatives for medical expenses and medication purchases, facilitating inter-family financial support for healthcare [2][3]. - Previously, the medical insurance personal accounts only allowed for intra-provincial support, but now, individuals can transfer funds across provinces as long as the recipient is enrolled in basic medical insurance in their local area [3]. - The process to open a medical insurance wallet involves logging into the National Medical Insurance Service Platform, confirming the use of the wallet, and completing the necessary steps to activate the account [4][6][8]. Group 2 - The medical insurance wallet allows for a maximum of three transfers per day, with each transfer capped at 2000 yuan, and transfers cannot be made between 22:00 and 06:00 the next day [30]. - If the recipient's medical insurance wallet is not opened in time, the transferred amount will be returned to the sender's account by 06:00 the following day [32]. - The medical insurance reimbursement system is managed through a directory system, where only expenses listed in the three directories (medicines, medical consumables, and medical services) are eligible for reimbursement [34][35].

Group 1 - The core concept of the medical insurance wallet is that it allows insured individuals to transfer funds from their personal medical insurance accounts to the wallets of close relatives for medical expenses and medication purchases, facilitating inter-family financial support across provinces [2][3]. - Previously, the medical insurance personal accounts only allowed for intra-provincial support, but now, if the insured has surplus funds in their account, they can transfer money to family members in different provinces as long as those family members are enrolled in basic medical insurance locally [3]. - The process to open a medical insurance wallet involves logging into the National Medical Insurance Service Platform and confirming the use of the wallet [4][6][9]. Group 2 - The transfer process requires the user to fill in the recipient's basic information and submit a transfer request, with a daily limit of three transfers and a maximum of 2000 yuan per transfer [18][29]. - If the recipient's wallet is not established, the transfer will not be successful, and any unclaimed funds will be returned to the sender's account by 6:00 AM the next day [33]. - The medical insurance reimbursement system operates under a directory management system, where only expenses listed in the directory are eligible for reimbursement, and the directory is subject to annual adjustments by national and provincial authorities [35][36].