Core Concept - The "Medical Insurance Wallet" is a new feature that allows for the pooling of individual medical insurance accounts among close relatives, facilitating medical expense payments and insurance contributions through a national medical insurance service platform app [2][3]. Group 1: Functionality of the Medical Insurance Wallet - The Medical Insurance Wallet enables insured individuals to transfer funds from their personal medical accounts to the wallets of close relatives [3]. - It can be used for settling medical expenses at designated medical institutions and pharmacies, with over 170,000 medical institutions and 100,000 retail pharmacies nationwide currently supporting this feature [4]. - Residents can also use the funds in their Medical Insurance Wallet for insurance premium payments [7]. Group 2: Availability and Usage - The Medical Insurance Wallet is available in 30 provinces, municipalities, and regions, with the exception of Guangdong, which has not yet launched the service [8]. - As of now, over 1.5 million insured individuals have activated and used the Medical Insurance Wallet, successfully transferring funds in 305,000 transactions, amounting to over 200 million yuan [9]. - Users are advised to check the local availability of the Medical Insurance Wallet before attempting to use it, as some areas may still be in the process of activation [8]. Group 3: Additional Features - The Medical Insurance Wallet allows for a change of usage location if the wrong insurance area is selected, with this feature currently available in 15 provinces [14][15]. - A "proxy activation" feature is available for those who may not be able to use smartphones, allowing family members to activate the wallet on behalf of others [16].

Group 1 - The core concept of the medical insurance wallet is that it allows insured individuals to transfer funds from their personal medical accounts to the wallets of close relatives for medical expenses and medication purchases, facilitating inter-provincial cooperation in using personal account funds [1][2][3] - Previously, personal medical accounts only allowed for intra-provincial cooperation, but now, if the insured participates in employee medical insurance and has surplus funds, they can transfer funds to family members in different provinces as long as those family members are enrolled in basic medical insurance locally [1][2][3] - The process to open a medical insurance wallet involves logging into the National Medical Insurance Service Platform App and confirming the use of the wallet, which is available in all regions [4][5][6] Group 2 - The wallet transfer application requires the sender to fill in the recipient's basic information and submit the request, with a limit of three transfers per day, each not exceeding 2000 yuan, and transfers cannot be made between 22:00 and 06:00 [29][15][18] - If the recipient's wallet is not opened, the transfer cannot be completed, and any unclaimed funds will be returned to the sender's account by 06:00 the next day [29][31] - The medical insurance reimbursement system operates under a directory management approach, where only expenses listed in the directory are eligible for reimbursement, and the directory is subject to annual adjustments by national and provincial authorities [32][33][34]

Core Insights - The implementation of cross-provincial direct settlement for medical insurance is significantly improving convenience for insured individuals, allowing for quick reimbursement processes without the need for physical paperwork [1][2] - The number of medical institutions connected for cross-provincial direct settlement has reached 644,000, with over 500 million services expected during the 14th Five-Year Plan, reducing out-of-pocket expenses by over 550 billion yuan [1][2] - The expansion of direct settlement services now includes outpatient chronic diseases, with additional conditions being added in 2024, enhancing accessibility for patients requiring ongoing treatment [2] Group 1 - Cross-provincial direct settlement allows insured individuals to complete reimbursement processes in seconds, eliminating the need for physical invoices and long wait times [1] - The national medical insurance code has been adopted by over 1.236 billion people, with daily settlements exceeding 14.5 million transactions, showcasing the efficiency of the system [2] - The online handling rate for medical insurance services has increased from 55% in 2020 to 92% in 2024, indicating a significant improvement in digital service accessibility [2] Group 2 - The number of designated medical institutions for outpatient chronic disease direct settlement has grown to 74,000, reflecting a 2.62% increase from the end of 2024 [2] - The National Medical Insurance Bureau is committed to enhancing digital services to meet diverse healthcare needs, indicating ongoing improvements in the system [3]

Group 1 - The article provides a guide on how to access the National Medical Insurance Service Platform through mobile applications like WeChat and Alipay to check annual medical expenses [4][5]. - It emphasizes the importance of noting down the "total annual expenses" and "total personal payment amount" for tax deduction purposes related to major medical expenses [4][6]. - The process for declaring major medical expense deductions is outlined, including steps to log into the personal income tax app and prepare necessary documents [7][11]. Group 2 - Taxpayers are instructed to fill in their medical expense information, including the relationship to the person incurring the expenses and the total medical expenses incurred [12][13]. - The article mentions that if the data from the National Medical Insurance Service Platform does not match the actual expenses, taxpayers can visit the tax service hall for corrections [13].

Core Insights - The implementation of cross-provincial medical insurance direct settlement is significantly improving convenience for insured individuals, allowing for immediate reimbursement at hospitals without the need for lengthy processes [1][2] - The national medical insurance system has established a robust infrastructure, with over 12.36 billion people using the medical insurance code, facilitating an average of 14.5 million daily settlements [2][4] Group 1: Direct Settlement Benefits - Cross-provincial direct settlement applies to both long-term residents and temporary medical service users, enabling insured individuals to enjoy benefits based on the "medical location directory and insurance location policy" after online registration [2] - The service has benefited over 500 million people during the 14th Five-Year Plan period, reducing out-of-pocket expenses by over 550 billion yuan [2] Group 2: Expansion of Services - The direct settlement for outpatient chronic diseases is expanding, with new conditions added for 2024, including chronic obstructive pulmonary disease and rheumatoid arthritis, enhancing access to necessary treatments [3] - As of the first quarter of 2025, the number of designated medical institutions for outpatient chronic disease direct settlement has reached 74,000, reflecting a growth of 2.62% from the end of 2024 [3] Group 3: Technological Advancements - The National Medical Insurance Service Platform App is continuously improving its features, allowing for online registration and information queries, thus streamlining the process for insured individuals [4] - The integration of services in the Beijing-Tianjin-Hebei region allows for seamless access to medical insurance benefits without the need for additional registration procedures [4]

Core Viewpoint - The implementation of cross-provincial medical insurance direct settlement is significantly enhancing convenience for insured individuals, allowing for immediate reimbursement without the need for lengthy processes or upfront payments [1][2]. Group 1: Direct Settlement Benefits - Cross-provincial direct settlement applies to both long-term residents and temporary medical service users, enabling insured individuals to enjoy direct reimbursement based on the "medical location directory and insurance policy" after online registration [2]. - As of now, there are 644,000 cross-provincial networked medical institutions across the country, with over 500 million direct settlement services provided during the 14th Five-Year Plan period, reducing out-of-pocket expenses for the public by over 550 billion yuan [2]. Group 2: Technological Support - The efficiency of cross-provincial direct settlement is supported by a robust medical insurance information system, with over 1.236 billion people using the medical insurance code by June 2025, and an average of 14.5 million daily settlements [2]. - The online handling rate of medical insurance government services has increased from 55% in 2020 to 92% in 2024, indicating significant improvements in service accessibility [2]. Group 3: Expansion of Services - The direct settlement for outpatient chronic special diseases is expanding, with five new diseases added in 2024, including chronic obstructive pulmonary disease and rheumatoid arthritis, enhancing coverage for patients [3]. - As of the first quarter of 2025, the number of designated medical institutions for outpatient chronic special disease direct settlement reached 74,000, a 2.62% increase from the end of 2024 [3]. Group 4: Future Developments - The National Medical Insurance Service Platform App is continuously improving its features for online registration and inquiry, facilitating easier access to medical insurance services for the public [4]. - The National Medical Insurance Bureau plans to further enhance digital capabilities to provide more precise and refined services, catering to diverse medical insurance needs [4].

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].