问：1月9日起，国家医保局、财政部联合印发的医保个人账户跨省共济新政正式落地，将职工医保个人 账户共济范围从省内全面拓展至全国。哪些人能受益？怎么操作办理？ 答：医保共济拓展至全国，意味着跨省的近亲属也能受益了。共济人可以使用个人账户资金为异地近亲 属支付就医购药费用及缴纳基本医疗保险等费用。 具体来看，共济人必须是职工医保参保人，且医保关系正常、个人账户有可用余额；被共济人，需为共 济人的近亲属，包含配偶、父母、子女、兄弟姐妹等，且已参加职工医保或居民医保、参保状态正常。 值得注意的是，一人可与多名近亲属互建共济关系，关系可自愿建立或解除。 办理前需注意以下三点：一是先确认双方参保地已开通医保钱包功能，截至2026年1月，多数地区已开 通，少数地区仍在调试，可通过APP查询开通状态；二是转账时务必核对被共济人证件号、参保地等信 息，转账成功后无法撤回；三是资金严禁提现或用于非医疗消费，违规使用可能导致医保账户被冻结。 若操作中遇到问题，可拨打12393医保服务热线咨询。 不影响原有待遇 资金用途严格限定为医疗相关支出，具体包括三类场景：一是支付被共济人在定点医疗机构就医的个人 负担费用；二是支付被共济人在定 ...

这里有一个最核心也是最容易混淆的概念必须厘清。共济账户，共济的是职工医保参保人个人账户里的 资金，而非医保卡本身或相应的报销待遇。 举个例子，子女可以将自己医保个人账户里闲置的钱，"转"给参加医保的父母使用，但父母看病时，仍 然必须使用他们自己的医保卡进行挂号、就诊和结算。报销比例、起付标准等，完全依据父母本人所参 加的医保政策来执行，不会因为用了子女账户的钱而改变。同样，家人看病就医的医疗行为、疾病诊 断，也不会记录在共济人的名下，不会对共济人未来参加商保等产生不良影响。 1月9日，国家医保局和财政部发布通知表示，职工医保的个人账户资金可以跨省给近亲属使用。这一惠 民政策迅速成为社会焦点，也引发了众多网友的疑问。那么，究竟什么是共济账户？医保个人账户跨省 共济该怎样使用？ 医保个人账户跨省共济，简单来说，就是职工医保参保人个人账户里的资金跨省给家人使用。 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、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。 共济资金可用于支付近亲属在定点医疗机构 ...

Core Viewpoint - The implementation of the cross-provincial mutual aid for employee medical insurance personal accounts marks a significant shift from provincial to national family mutual aid, addressing long-standing issues related to regional barriers and enhancing the healthcare ecosystem [1][13]. Policy Background - The evolution of the employee medical insurance personal account system has transitioned through three phases: a personal accumulation phase (1998-2020), a provincial family mutual aid phase (2021-2025), and now to a national family mutual aid phase starting in 2026 [2][3]. Key Highlights - The new policy breaks down regional barriers, allowing personal account funds to be used for medical expenses of relatives across provinces, thus addressing the issue of funds being idle while family medical needs exist [4]. - It enhances family mutual aid capabilities, alleviating the financial burden on children supporting elderly parents who are left behind in their hometowns [5]. - The policy simplifies the payment process for cross-provincial medical services, enabling direct settlement of expenses without the need for upfront payments [5]. Functional Positioning - The policy retains the personal accumulation attribute of the accounts, ensuring that funds remain the property of the insured while allowing for voluntary mutual aid among family members [7]. - It extends the mutual aid concept within families, creating a structure that combines large-scale mutual aid with family-level support [7]. - The cross-provincial mutual aid system is designed to improve the overall efficiency of fund usage, activating previously idle personal account funds [8]. New Policy Implementation - The settlement method for cross-provincial medical expenses shifts from reimbursement to direct settlement, significantly reducing administrative costs and improving efficiency [9]. - The accessibility of medical services expands from local to national levels, allowing insured individuals to choose healthcare providers across the country [9]. Industry Impact - The digital transformation of medical insurance services is accelerated, enhancing data integration and online settlement capabilities [10]. - The retail pharmacy and medical distribution sectors are undergoing structural adjustments due to increased demand for medications and supplies [10]. - The healthcare service supply system is strengthened, promoting better collaboration between primary care and specialized medical institutions [10]. Challenges and Responses - There is a need for enhanced policy communication to ensure that insured individuals understand the new system and its processes [12]. - Continuous improvement of the national unified medical insurance information platform is essential for stable operation [12]. - Strengthening regional policy coordination is necessary to minimize discrepancies in implementation across different areas [12].

Group 1 - The core idea of the news is the introduction of a policy allowing personal medical insurance accounts to be used across provinces for family members' medical expenses [1] - Cross-province mutual aid allows insured individuals to use their personal account funds for family members, especially for those working away from home [1] - Eligible family members include not only spouses, parents, and children but also siblings, grandparents, and grandchildren, allowing for multiple mutual aid relationships [1] Group 2 - The policy emphasizes that while funds can be shared, the medical insurance cards cannot be shared; each individual must use their own card to access benefits [1]

Core Viewpoint - The implementation of cross-provincial mutual aid for personal medical insurance accounts aims to alleviate the medical expense burden on families by allowing insured individuals to use their personal account funds for their close relatives' medical needs across provinces [1][2]. Group 1: Policy Implementation - The National Medical Insurance Administration and the Ministry of Finance issued a notification on January 9 to accelerate the realization of cross-provincial mutual aid for employee basic medical insurance personal accounts [1]. - The policy allows insured individuals to transfer their personal account funds for the use of family members, particularly benefiting those who work away from home [1]. Group 2: Eligible Participants - The notification specifies that eligible mutual aid recipients include close relatives of the insured, such as spouses, parents, children, siblings, grandparents, grandchildren, and great-grandchildren [3]. - Both employee basic medical insurance and urban-rural resident basic medical insurance participants can be mutual aid recipients [3]. Group 3: Usage of Mutual Aid Funds - Mutual aid funds 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 [4]. - The funds can also be utilized for personal contributions to urban-rural resident basic medical insurance and long-term care insurance [4]. Group 4: Fund Management and Settlement - A national unified medical insurance information platform will establish a personal medical insurance wallet, allowing mutual aid contributors to set mutual aid limits for recipients [5]. - The mutual aid funds are managed as virtual limits, ensuring that actual medical insurance funds are not transferred to the personal wallet, thus safeguarding the insurance fund [5]. - Monthly full settlement of expenses incurred through cross-provincial mutual aid will follow a unified national clearing process, with dynamic adjustments to fund scale [5]. Group 5: Future Outlook - The recent national medical security work conference outlined plans to fully implement the cross-provincial mutual aid usage of employee medical insurance personal account funds by 2025 [6]. - The gradual implementation of this policy is expected to provide significant support for families separated by distance, enhancing their sense of security and connection [6].

Core Points - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to optimize the personal account mutual aid policy for employee basic medical insurance, expanding the mutual aid scope from provincial to national level [1][2] - The mutual aid relationship can be voluntarily established or dissolved, allowing employees to create mutual aid connections with multiple close relatives [3] Group 1: Cross-Province Mutual Aid - Cross-province mutual aid allows funds in the personal accounts of employee insurance participants to be used by family members in different provinces, such as children working away from home [2][3] - Eligible close relatives include spouses, parents, and children, who must also be participants in basic medical insurance [2] Group 2: Establishment and Management of Mutual Aid Relationships - Mutual aid relationships can be established or dissolved through the National Healthcare Service Platform, and they will automatically terminate if any party's insurance relationship changes [3] - Funds from mutual aid can be used for personal medical expenses, resident insurance, and long-term care insurance payments, with unused amounts returned to the mutual aid contributor's account upon relationship termination [3] Group 3: Implementation and Previous Trials - Prior to this nationwide rollout, cross-province mutual aid was piloted in certain areas of provinces such as Hebei, Jiangsu, Anhui, Shandong, and Henan [4]

Group 1 - The interest rates for short-term large-denomination certificates of deposit (CDs) have dropped below 1%, entering the "0" range, with many banks offering rates as low as 0.9% for 1-month and 3-month terms [1][2] - Over 30 banks have announced the issuance of the first phase of large-denomination CDs for 2026, indicating a trend in the banking sector towards lower interest rates [1][2] - Major state-owned banks, including ICBC, ABC, BOC, and CCB, are currently offering short-term large-denomination CDs with a minimum deposit requirement of 200,000 yuan [1][2] Group 2 - The Supreme People's Court of China has clarified that funds given for purchasing cars or houses with the intention of marriage can be considered as bride price, which can be adjudicated under the same rules as traditional bride price disputes [2] - A recent case highlighted that a payment of 66,000 yuan and a car purchase of 150,000 yuan were deemed as bride price, leading to a court ruling for the return of over 170,000 yuan after considering shared expenses [2] Group 3 - MiniMax, a large model company, debuted on the Hong Kong Stock Exchange with an initial public offering price of 165 HKD per share, closing at 345 HKD, marking a 109.09% increase and a market capitalization exceeding 100 billion HKD [2] Group 4 - The number of corporate bankruptcies in Germany has reached a 20-year high, with 17,604 bankruptcy applications recorded in 2025, reflecting significant structural pressures on the German economy [2] - In December 2025 alone, there were 1,519 bankruptcy applications, which is 75% higher than the average from 2016 to 2019 [2] Group 5 - Apple is reportedly accelerating the selection process for a new CEO, with John Ternus, the current Senior Vice President of Hardware Engineering, emerging as the leading candidate [3] - Tim Cook, the current CEO, has expressed a desire to reduce his workload and may step down as early as this year, potentially transitioning to the role of Chairman of the Board [3] Group 6 - Xiaomi has announced a price reduction for its Xiaomi 17 smartphone and has eliminated the use of small print in its marketing materials, responding to criticism of "small print marketing" practices [5] - The company aims to enhance transparency and user experience by using larger fonts for product information [5] Group 7 - The Chinese government is implementing a nationwide policy for the cross-province pooling of personal medical insurance accounts, allowing family members to share funds for medical expenses [10] - This policy aims to optimize the use of personal medical insurance accounts and enhance mutual assistance among family members [10]

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have announced a nationwide initiative to allow cross-province family pooling of personal accounts in employee basic medical insurance, expanding the scope from provincial to national level [1][2] Group 1: Policy Implementation - The policy allows employees to use their personal account funds to pay for medical expenses and insurance premiums for close relatives in different provinces [1] - Eligible close relatives include spouses, parents, and children, who must also be insured under basic medical insurance [1] - The pooling relationship can be established or terminated voluntarily through the National Medical Insurance Service Platform [1] Group 2: Fund Management - A unified national medical insurance information platform will manage the pooling function, allowing insured individuals to set a pooling limit for their family members [2] - The pooling limit will be managed virtually, ensuring that funds remain secure and are not transferred out of the personal account [2] - Unused pooling limits will be released back to the insured individual once the pooling relationship is terminated [2] Group 3: Financial Settlement - Expenses incurred from cross-province pooling will be settled monthly, following a unified clearing process managed by the state [2] - The initiative is based on successful local practices, which have benefited over 780 million people in the past five years [2] - The policy aims to enhance the efficiency of fund usage and support families with members working in different provinces [2]

Core Viewpoint - The expansion of the personal account mutual aid scope of the employee basic medical insurance from provincial to national level allows for the payment of medical expenses for near relatives in different locations, thereby reducing the financial burden on families [1][2]. Group 1: Eligible Participants - The mutual aid applies to near relatives of the employee basic medical insurance participants, including spouses, parents, children, siblings, grandparents, and grandchildren [3]. - The near relatives must also be participants in basic medical insurance (either employee basic medical insurance or urban-rural resident basic medical insurance) [4]. Group 2: Establishing Mutual Aid Relationships - Mutual aid relationships can be voluntarily established or terminated through the national medical insurance service platform, allowing one employee to establish relationships with multiple near relatives [4]. - If the medical insurance status of either the mutual aid provider or recipient changes, the mutual aid relationship will be automatically terminated [4]. Group 3: Usage of Mutual Aid Funds - Mutual aid funds can be used to cover personal medical expenses incurred by near relatives at designated medical institutions, as well as for purchasing approved medications and medical supplies at designated retail pharmacies [5][6]. - Funds can also be used for personal contributions to urban-rural resident basic medical insurance and long-term care insurance [5][6]. Group 4: Management of Mutual Aid Accounts - A unified national medical insurance information platform will establish personal medical insurance wallets, allowing mutual aid providers to set mutual aid limits for recipients [7]. - Within the mutual aid limit, the provider cannot use the corresponding amount of their personal account funds, effectively "freezing" those funds until the mutual aid relationship is terminated [7]. - Each medical insurance wallet account is limited to three transfers per day, with each transfer not exceeding 2,000 yuan [8].

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Finance have issued a notice to optimize the personal account mutual aid policy for employee basic medical insurance, expanding the mutual aid scope from provincial to national level [1] Group 1: Policy Changes - The notice allows for cross-provincial mutual aid for the close relatives of employees covered by basic medical insurance [1] - Mutual aid relationships can be voluntarily established or dissolved by both parties, and will automatically terminate when the insured person's medical insurance relationship changes [1] - One individual can establish mutual aid relationships with multiple people [1] Group 2: Fund Utilization - Mutual aid funds can be used to cover personal medical expenses, resident medical insurance, and personal contributions to long-term care insurance for the mutual aid recipients [1] - Within the mutual aid limit, the mutual aid recipient cannot use the personal account funds again [1] - Any unused mutual aid amount will be returned to the mutual aid provider's account upon termination of the relationship [1]