"在上海交的医保，老家的爸妈看病能用吗？"这大概是不少"沪漂族"的疑问，他们最牵挂的莫过于老家父母的身体和就医问题。在上海站稳了脚跟，每月 按时缴纳医保，看着账户里日积月累的余额，希望这份"健康储备金"能跨越高铁线、越过省界线，成为父母的"定心丸"，让他们不用再为医疗费用而焦 虑。 医保账户跨省家庭共济可以解决这个问题，目前，全国有30个省（自治区、直辖市）和新疆生产建设兵团的337个地区开通了医保钱包，支持跨省家庭共 济。想给远在老家的父母亲人就医自费部分"买单"，可以通过医保钱包给家人转账，彻底打破医保资金的"地域壁垒"。 Q：家庭共济和跨省家庭共济有什么区别？ A：家庭共济是"省内基础版"，解决同一省份内的家庭互助；跨省家庭共济是"全国升级版"，通过医保钱包打破地域限制。两者本质上都是让医保个人账 户从"个人积蓄"变为"家庭健康金"，只是覆盖范围和操作方式有所差异。 从使用方式上来说，家庭共济是指参保职工将个人账户历年结余资金授权给符合条件的近亲属使用，用于支付就医或购药时的个人自费部分；跨省家庭共 济是指如果参加的是职工医保，且家人身在外省，只要其在当地参加基本医保，就可以使用医保钱包向家人转账。 现 ...

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]