Core Viewpoint - The introduction of the medical insurance wallet allows for cross-province transfers of personal medical insurance funds, enhancing accessibility and usability for families in need of medical services [1][2]. Group 1: Medical Insurance Wallet Functionality - The medical insurance wallet is a digital payment tool linked to personal medical insurance codes, facilitating payments for family members' medical expenses [1]. - As of 2024, the cumulative balance of personal medical insurance accounts in China is expected to exceed 1.44 trillion yuan [1]. - The national medical insurance bureau launched the cross-province sharing feature on December 2, 2024, enabling transfers to family members participating in local basic medical insurance [2]. Group 2: Usage and Transfer Process - To activate the medical insurance wallet, users must log into the national medical insurance service platform app and follow the prompts to confirm usage [3]. - Transfers can be made to family members who also have activated their medical insurance wallets, with a limit of three transfers per day and a maximum of 2,000 yuan per transfer [3]. - If the recipient has not activated their wallet, the transfer amount will be returned to the sender's account by 6 AM the next day [3].

Core Points - The article discusses the launch of the national medical insurance personal account cross-provincial mutual aid and the introduction of the medical insurance wallet function, which allows for the transfer of funds between family members' medical insurance accounts regardless of their province of residence [2][3] - The medical insurance wallet is a digital payment tool linked to personal medical insurance codes, facilitating easier access to funds for medical expenses [1][2] - As of July 2024, the total balance of personal accounts in China's employee medical insurance is expected to exceed 1.44 trillion yuan [1] Group 1 - The medical insurance wallet allows family members to transfer funds for medical expenses, breaking the previous provincial limitations [2][3] - In the first seven months of the year, there were 170,600 transactions through the medical insurance wallet, amounting to 116 million yuan [2] - The process to open and use the medical insurance wallet involves logging into the national medical insurance service platform app and confirming the use of the wallet [3] Group 2 - Each medical insurance wallet account allows a maximum of three transfers per day, with each transfer capped at 2,000 yuan [3] - Transfers can only be made when both the sender and recipient have activated their medical insurance wallets [3] - The medical insurance wallet is part of a broader initiative to address the issue of "sleeping funds" in personal accounts and enhance the accessibility of medical insurance funds for the public [2]

2025.09. 12 本文字数：2409，阅读时长大约4分钟 作者 | 第一财经 郭晋晖 受医保个人账户原有的地域限制，"有钱难流转，有需难满足"曾是全民医保提升民生服务的一大堵 点：一边是在外打拼的年轻人医保账户"沉睡"着大量资金；另一边是留在家乡的年迈父母求医问药时 不得不精打细算。 不过，去年末上线的医保钱包正在突破这一"流动壁垒"。 第一财经从国家医保局了解到，截至7月末， 31个省份及新疆生产建设兵团均已开通医保钱包，通 过医保钱包进行职工医保个人账户跨省共济的累计金额在今年前7个月已经从年初400多万迅速增加 到4000多万元。 不仅是跨省共济，医保个账基金的省内共济制度也已完善，既可通过即时调用被绑定人个人账户方 式，也可以通过医保钱包进行省内共济。 2025年1~7月职工医保个人账户共济人次2.31亿，金额304.57亿元。 医保个人账户结存累计1.45万亿 我国职工医保制度自1998年建立以来，一直实行社会统筹和个人账户相结合的保障模式，职工医保 个人账户资金可用于支付本人就医购药个人负担部分费用。 近年来，医保个人账户累计结存规模不断扩大，2020年突破万亿，为10096亿元；2022年 ...

Core Insights - The introduction of the medical insurance wallet is breaking the regional barriers of personal medical accounts, allowing for better fund circulation and meeting healthcare needs more effectively [1][7][10] - The cumulative amount for cross-province mutual aid through personal medical accounts has significantly increased, from over 4 million at the beginning of the year to 40 million by July [1][8] - The total balance of personal medical accounts has reached 1.45 trillion, reflecting a continuous growth trend since the establishment of the employee medical insurance system in 1998 [3][4] Group 1: Medical Insurance Wallet - The medical insurance wallet has been launched across all 31 provinces and Xinjiang Production and Construction Corps, facilitating cross-province mutual aid [1][7] - The wallet allows for real-time fund transfers without fees, enhancing the ability of families to manage healthcare costs across different regions [7][11] - As of July 2025, the cumulative transfer amount through the medical insurance wallet reached 4,663 million, indicating rapid growth in cross-province mutual aid [8][10] Group 2: Personal Medical Account Reform - The personal medical account balance has grown from 1.0096 trillion in 2020 to 1.45 trillion in 2024, showing a significant increase in available funds [3][4] - The proportion of expenditures from personal medical accounts to income has improved from 81% in 2019 to 96% in 2023, indicating better fund utilization [3] - The mutual aid scope has expanded to include near relatives, allowing for more flexible use of funds [6][11] Group 3: Impact on Healthcare Access - The cross-province mutual aid system is expected to alleviate the financial burden of high medical costs for families, enhancing their healthcare security [8][10] - The increase in mutual aid transactions is likely to improve the allocation of medical resources and services across different regions [11] - The ability to use personal medical account funds for resident basic medical insurance payments is anticipated to increase participation rates in health insurance [11]

Core Insights - The introduction of the medical insurance wallet has significantly improved the flow of personal medical insurance accounts, addressing the issue of "idle funds" in accounts of individuals working away from home while their families face medical expenses [1][6][10] Summary by Sections Medical Insurance Wallet Implementation - All 31 provinces and Xinjiang Production and Construction Corps have launched the medical insurance wallet, with varying coverage across regions [1][6] - The cumulative amount for cross-provincial mutual assistance through the medical insurance wallet increased from over 4 million at the beginning of the year to over 40 million in the first seven months [1][7] Personal Account Fund Growth - The cumulative balance of personal medical insurance accounts reached 1.45 trillion [2][5] - The spending-to-income ratio for personal accounts improved from 81% in 2019 to 96% in 2023, slightly decreasing to 92% in 2024 [2] Cross-Provincial Mutual Assistance - The number of participants in cross-provincial mutual assistance reached 2.31 billion, with a total amount of 304.57 billion from January to July 2025 [1][5] - The rapid growth in cross-provincial mutual assistance is attributed to the medical insurance wallet, which allows for real-time transfers without fees [6][10] Impact on Medical Expenses - The expansion of personal account usage has positively impacted the liquidity of idle funds, effectively reducing the financial burden of medical expenses for families [3][6] - The mutual assistance funds have been utilized primarily for personal medical expenses, with 274.87 billion allocated for medical institution costs and 17.34 billion for retail pharmacy expenses [5] Future Prospects - The cross-provincial mutual assistance is expected to enhance the funding and payment for resident medical insurance, particularly benefiting families with members working in different provinces [10] - The implementation of the medical insurance wallet is anticipated to facilitate better allocation of medical resources and improve healthcare services across regions [10]

Core Insights - The introduction of the medical insurance wallet has significantly improved the flow of funds in personal medical accounts, addressing the issue of "idle funds" in accounts of individuals working away from home [1][6][9] - As of July 2025, all 31 provinces and the Xinjiang Production and Construction Corps have launched the medical insurance wallet, facilitating cross-province mutual aid with a rapid increase in transaction amounts [1][7][10] Medical Insurance Wallet Implementation - The medical insurance wallet allows for cross-province mutual aid, with the cumulative amount for such transactions rising from over 4 million at the beginning of the year to over 40 million by July [1] - The wallet has enabled the use of personal account funds for family members across provinces, effectively reducing the financial burden of medical expenses [6][9] Personal Account Fund Accumulation - The cumulative balance of personal medical accounts has reached 1.45 trillion yuan, showing a steady increase from previous years [2] - The proportion of expenditures from personal accounts relative to income has increased from 81% in 2019 to 96% in 2023, indicating improved fund utilization [2] Cross-Province Mutual Aid Growth - The amount of cross-province mutual aid has seen explosive growth, with the total amount transferred via the medical insurance wallet reaching 4,663 million yuan from January to July 2025 [7] - The number of individuals utilizing cross-province mutual aid reached 231 million, with significant amounts being used for medical expenses and insurance premiums [5][9] Policy Changes and Impacts - Recent policy changes have expanded the scope of mutual aid to include "close relatives," enhancing the flexibility of fund usage [5] - The ability to transfer funds across provinces is expected to improve the overall efficiency of medical resource allocation and enhance healthcare service delivery [9][10]

Group 1 - The core concept of the medical insurance wallet is that it allows insured individuals to transfer funds from their personal medical accounts to their close relatives' medical wallets for medical expenses and medication purchases [2][3] - The medical insurance wallet enables cross-province family mutual aid, allowing insured individuals to transfer funds to family members even if they are in different provinces, provided the family members are enrolled in basic medical insurance [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][7] Group 2 - The transfer application process requires the sender to fill in the recipient's basic information, including their relationship and the transfer amount, with a minimum transfer amount of 0.01 yuan and a daily limit of three transfers not exceeding 2000 yuan each [18][28] - If the recipient's medical wallet is not opened or the transfer is not accepted in time, the transferred amount will be returned to the sender's account by 6:00 the next day [28] - 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 [31][32]

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-provincial cooperation in using personal account funds [2][4]. - Previously, personal medical insurance accounts only allowed for intra-provincial cooperation, but now, if an insured person has surplus funds in their account, they can transfer these funds to family members in different provinces, provided the family members are enrolled in basic medical insurance locally [4][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 [10][7]. Group 2 - The transfer process requires the sender to fill in the recipient's basic information and submit a transfer request, with a limit of three transfers per day and a maximum amount of 2000 yuan per transfer [20][31]. - If the recipient does not accept the wallet transfer in a timely manner, the transferred amount will be returned to the sender's account by 6:00 AM the next day [35]. - Medical expenses eligible for reimbursement are managed under a directory system, with specific categories of medical expenses covered by the insurance fund [36][37].

Core Points - The National Healthcare Security Administration announced that as of June 30, 2025, 337 coordinated areas across 30 provinces and the Xinjiang Production and Construction Corps have opened the medical insurance wallet, enabling cross-province mutual assistance [1][2] - The initiative aims to enhance the fairness of social security and improve the efficiency of personal medical insurance accounts, making medical services more convenient for citizens [1] - The number of coordinated areas with open medical insurance wallets has increased by over 100 in less than two months, indicating rapid expansion [1] Summary by Sections Medical Insurance Wallet Implementation - The medical insurance wallet allows for the mutual assistance of personal medical accounts among close relatives, enabling fund transfers for medical expenses and personal contributions to health insurance [2] - Users can activate the medical insurance wallet through the National Medical Insurance Service Platform App, but both the sender and recipient must have the wallet function enabled in their respective regions for transfers to occur [2] Regional Coverage - As of June 30, 2025, 24 provincial-level medical insurance departments have fully opened the medical insurance wallet across their jurisdictions, including major provinces such as Beijing, Shanghai, and Guangdong [1]