在资金清算方面， 跨省共济产生的费用将按月全额清算 ，参照跨省异地就医的清算流程和机制，由国家统一清算、省市分级处理， 依托 预付金制度保障时效 ，并根据使用情况动态调整资金规模。 1月9日，国家医保局、财政部发布通知，在全国范围内 推动职工基本医疗保险个人账户实现跨省家庭共济 ，支持参保人 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 。 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， 可以跨省给家人使用 。例如在异地工作的子女，可以授权父母使用自己医 保账户的余额，支付在老家看病买药时需个人承担的医疗费用。通知明确，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、子女等。近亲属本人也需是基本医疗保险（职工医保或居民医保）的参保人员 。 共济关系可 通过国家医保服务平台等渠道自愿建立或解除 。一名职工可以同时与多位近亲属建立共济关系，一位近亲属也可同时被多位家 庭成员授权。当任何一方医保关系发生转移或终止等情况时，共济关系将自动解除。 共济资金可用于支付近亲属在定点医疗机构就医的个人负担费用，在定点药店购买符合规定的药品、医疗器械、医用耗材的费用，也可 ...

Core Viewpoint - The article discusses the expansion of the personal account system in China's employee medical insurance, allowing for cross-province family pooling of funds, which enhances the accessibility and flexibility of medical expenses for family members [3][5]. Group 1: Overview of Medical Insurance Personal Accounts - The employee medical insurance system in China combines social pooling and personal accounts, where funds can be used for personal medical expenses [1]. - The personal account funds were previously limited to intra-province pooling, but now allow for cross-province transfers if family members are enrolled in basic medical insurance [3]. Group 2: Implementation of Cross-Province Family Pooling - In 2021, the scope of personal account usage was expanded to include spouses, parents, and children, and in 2024, it was further extended to include all close relatives participating in basic medical insurance [5]. - To utilize the medical insurance wallet for transfers, users must download the National Medical Insurance Service Platform App and confirm their usage [4][10]. Group 3: Transfer Process and Limitations - The transfer process involves logging into the app, selecting the transfer option, and entering the recipient's information and transfer amount, with a minimum transfer amount of 1 yuan and a daily limit of 2000 yuan [12][15]. - Users must ensure that both the sender and recipient's regions have activated the medical insurance wallet function for successful transfers [10]. Group 4: Usage of Medical Insurance Wallet - Funds in the medical insurance wallet can be used to pay for personal medical expenses at designated medical institutions and for individual contributions to resident medical insurance [19][21]. - The article provides contact information for various provinces for inquiries related to the medical insurance wallet services [22][23].