Core Insights - The article highlights the significant improvements in the cross-province medical insurance settlement process in China, making it more convenient for patients to receive medical care outside their home provinces [1][2]. Group 1: Policy Impact - The number of people utilizing cross-province direct settlement for medical expenses has surged from 5.37 million in 2020 to 238 million by 2024, representing a 44-fold increase [2]. - The direct settlement rate for cross-province hospitalization expenses has exceeded 90%, indicating a high level of efficiency in the system [2]. - The scope of cross-province direct settlement has expanded from hospitalization to include outpatient services and ten specific chronic diseases, enhancing accessibility for patients [2]. Group 2: User Experience - Patients now experience a streamlined process where they can settle medical expenses directly through the "National Medical Insurance Service Platform" app, significantly reducing the burden of upfront payments and lengthy reimbursement processes [1]. - The implementation of these policies has made accessing medical care in different provinces as convenient as receiving care in one's home province, reflecting a positive shift in public sentiment towards healthcare accessibility [1][2].

Group 1 - The article discusses the initiation of the 2026 urban and rural residents' medical insurance payment in Shanxi Province and provides guidance on how to use personal medical insurance accounts to pay for family members' insurance fees [1][3] - It outlines the process for adding family members to the medical insurance account sharing system, which includes reading and agreeing to the family account sharing notice [7][8] - The article emphasizes that the authorized person's personal account balance must exceed 1000 yuan for shared funds to be used, and that family members must be enrolled in the Shanxi Province employee or urban-rural resident medical insurance [8][14] Group 2 - The article details the steps for managing family members within the shared account, including how to unbind members and modify authorization details [11][12] - It explains the process for paying the urban-rural residents' medical insurance fees on behalf of family members, including the need to confirm payment details and read the payment commitment [12][13] - The article notes that starting from September 2024, the scope of family account sharing will expand to include close relatives such as spouses, parents, children, and grandparents [13][14]

Core Viewpoint - The article discusses the launch and functionality of the "Medical Insurance Wallet" in Shanxi Province, which allows insured individuals to transfer funds from their personal medical insurance accounts to their close relatives' wallets for medical expenses and insurance payments. Group 1: Introduction to Medical Insurance Wallet - The "Medical Insurance Wallet" is a fund account linked to the personal medical insurance code of the insured, enabling fund transfers for medical and insurance-related transactions among close relatives, including cross-province usage [5]. Group 2: Steps to Open and Use the Wallet - To open the Medical Insurance Wallet, users must log into the "National Medical Insurance Service Platform" app and follow a series of steps to confirm usage and set up the wallet [6][8][9]. - For family members, the process involves selecting a bound relative's account and confirming the wallet setup, which can be done by family members on behalf of those who may not have smartphones [10][12][15]. Group 3: Changing Usage Location - Users can change the usage location of their Medical Insurance Wallet by accessing personal information in the app and submitting a request for the change, which will be confirmed upon successful submission [17][19]. Group 4: Fund Transfer Process - The transfer process requires both the sender and recipient to have the Medical Insurance Wallet function enabled in their regions. Users must fill in recipient details and transfer amounts, followed by a verification step [20][21][22]. - Users can track their transfer records through the app, which provides details on both outgoing and incoming transactions [23].

Core Points - The article discusses the launch of the "Medical Insurance Wallet" in Shanxi Province, which will be fully operational by August 2025, detailing its functionalities and usage [1][3]. Group 1: Opening the Medical Insurance Wallet - To open the wallet for oneself, users must log into the "National Medical Insurance Service Platform" APP and follow a series of steps including confirming usage and verifying the wallet location [4][6][7]. - For opening the wallet on behalf of family members, users must select a family member from a pre-bound account and confirm the wallet's usage location [8][9]. Group 2: Changing Usage Location - Users can change the wallet's usage location by accessing the personal information section in the APP and submitting the new location [10][13][14]. - A record of all changes made to the wallet's usage location can be viewed within the APP [15]. Group 3: Transferring Funds - The wallet allows for fund transfers, but both the sender and recipient must have the wallet function activated in their respective regions [16][22]. - Users must fill in recipient information and transfer amounts, followed by a verification step to complete the transfer [17][18][20]. Group 4: Usage Guidelines - The wallet can be used for various medical expenses, including self-paid costs at designated medical institutions and for personal insurance contributions [24][25]. - There are limits on the number of transfers and total amounts that can be transferred daily, with specific operational hours for transfers [22].

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]

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]

Core Points - The cross-provincial medical treatment direct settlement is providing significant convenience to insured individuals, with over 500 million service instances during the 14th Five-Year Plan period, reducing out-of-pocket expenses by over 550 billion yuan [1] - The robust support from the national medical insurance information system is enhancing the convenience of cross-provincial medical services, with 644,000 connected medical institutions nationwide [1] - The National Medical Insurance Service Platform APP is continuously improving its features for online registration and inquiry, facilitating access to information regarding medical institutions, service hotlines, and personal reimbursement costs [1] - The Beijing-Tianjin-Hebei region has implemented a "one card for all" system, allowing insured individuals to enjoy medical insurance reimbursement without the need for cross-provincial medical treatment registration [1] - Ongoing explorations are aimed at making medical treatment more convenient for the public, with a call for departments to continue advancing digital empowerment to provide precise and refined services that meet diverse medical insurance needs [1]

Core Viewpoint - The cross-provincial medical treatment direct settlement policy has significantly improved the reimbursement process for patients, reducing the financial burden and streamlining the healthcare experience [2][4][11]. Group 1: Policy Impact - As of the first quarter of 2025, the cross-provincial direct settlement system has benefited 70.75 million insured individuals, reducing out-of-pocket expenses by 46.992 billion yuan, marking increases of 37.97% and 11.44% respectively compared to the same period in 2024 [2][7]. - The number of cross-provincial designated medical institutions reached 651,600, an increase of 0.77 million or 1.19% from the end of 2024 [7][8]. - The direct settlement for inpatient services accounted for 3.6389 million cases, reducing personal payments by 36.537 billion yuan, with growth rates of 11.92% and 5.68% respectively [7][8]. Group 2: Technological Advancements - The establishment of a unified national medical insurance information platform has facilitated seamless cross-provincial medical treatment settlements, ending the previous fragmented system [3][8]. - Patients can now complete the reimbursement process using electronic medical insurance credentials or social security cards, significantly reducing the need for physical paperwork and in-person visits [8][9]. Group 3: Regional Innovations - Various provinces have implemented innovative service models, such as automatic registration and immediate settlement for cross-provincial medical treatment, enhancing accessibility for patients [9][10]. - In Yunnan, the "Medical Insurance Market Day" initiative has improved access to services in remote areas, leading to a more than 40% increase in cross-provincial outpatient settlements in the first quarter of 2025 [10]. Group 4: Future Implications - The reforms in cross-provincial medical treatment not only alleviate financial burdens but also promote the free movement of labor and resources across regions, supporting the construction of a unified national market [11].

欢迎扫描下方二维码关注： 二、扣除方式及主体 本人医药费用： 可以选择由本人或其配偶一方扣除 未成年子女医药费用: 可以选择由其父母一方扣除 *八味十 目前未将纳税人的父母及成年子女 医药费用纳入扣除范围 三、扣除时间 在次年汇算清缴时享受扣除 起止时间为医疗保障信息系统记录的医药费用 实际支出的当年。 四、留存备查资料 大病患者医药服务收费及医保报销相关票据原 件或复印件，或者医疗保障部门出具的纳税年 度医药费用清单等资料。 数据查询及操作指引 一、怎么查? 中与 | 国家医保服务平台 中华 | 生态 | 2 查本人: 手机下载"国家医保服务平台"APP,并注册、 登录、激活医保电子凭证后,通过首页的【查 询服务】版块点击【年度费用汇总查询】查询 大病医疗可扣除金额。 留索 下 年度医疗费) 年度个人自付总金额 个人自付是指由个人支付的属于基本医疗保险目录范围 内的费用，不包括目录范围外费用(即全自费费用)。 符合大病医疗个税抵扣政策金额 个人负担(指医保目录范围内的自付部分)累计超过15000 元的部分，在80000元限额内据实扣除。 举个例子: 2024年，纳税人张某发生大病医疗费用，经查询"国家 医保 ...

Core Viewpoint - The article discusses the tax deduction policy for major medical expenses in China, detailing how individuals can claim deductions on their personal income tax for medical expenses exceeding a certain threshold. Group 1: Tax Deduction Policy - Individuals can deduct the portion of their medical expenses that exceeds 15,000 yuan, up to a limit of 80,000 yuan, from their taxable income [8][15]. - The deductible amount is calculated based on the individual's out-of-pocket expenses for medical services covered by basic medical insurance [7][8]. Group 2: Claim Process - Taxpayers must log into the personal income tax app, navigate to the special additional deductions section, and select the major medical expenses option to begin the claim process [12][14]. - The process includes confirming personal information and selecting the corresponding tax year for the deduction [14][12]. Group 3: Example Calculation - An example illustrates that if an individual incurs total medical expenses of 100,000 yuan and their out-of-pocket expenses amount to 45,000 yuan, they can claim a deduction of 30,000 yuan after accounting for the 15,000 yuan threshold [9].