Core Points - The article discusses the implementation of cross-province family mutual aid in medical insurance, allowing individuals to use their medical insurance accounts to support family members in different provinces [1][2] - The initiative aims to alleviate concerns for individuals working away from home regarding their parents' medical expenses, enabling them to transfer funds through the medical insurance wallet [1][2] Group 1: Cross-Province Family Mutual Aid - Cross-province family mutual aid allows individuals to transfer funds from their medical insurance accounts to family members in different provinces, breaking down regional barriers [1][2] - The program is available in 30 provinces and regions, including 337 areas, facilitating the transfer of funds for medical expenses [1] Group 2: Medical Insurance Wallet - The medical insurance wallet can be activated through the National Medical Insurance Service Platform App, requiring only identity verification and no physical paperwork [3][5] - Users can transfer funds to family members' medical insurance wallets, which can then be used for medical expenses or insurance payments [8][9] Group 3: Transfer Limits and Conditions - Transfers are subject to daily and single transaction limits, with specific rules varying by city; for example, in Shanghai, the maximum single transfer is 2000 yuan, and the daily limit is 6000 yuan [9] - Funds transferred to a family member's medical insurance wallet cannot be withdrawn or returned directly, as they are designated for medical expenses only [10][11] Group 4: Usage of Funds - Funds in the medical insurance wallet can only be used for medical expenses or to pay for insurance premiums, with no expiration date for the balance [11]

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]