国家医保局昨天介绍，2025年1月至12月职工医保个人账户共济4.64亿人次，共济金额687.7亿元。 职工医保个人账户共济，简单来说，就是让参保人个人账户的钱能让家人使用，可通过即时调用被绑定 人个人账户、医保钱包等方式实现。共济适用对象范围为近亲属，包括配偶、父母、子女、兄弟姐妹、 祖父母、外祖父母、孙子女、外孙子女；近亲属应是基本医保的参保对象。职工医保个人账户资金可以 支付近亲属在定点医疗机构就医发生的个人负担医疗费用，在定点零售药店购买符合规定的药品、医疗 器械、医用耗材发生的个人负担费用，以及参加城乡居民基本医保、长期护理保险的个人缴费。 2025年1月至12月，通过即时调用被绑定人个人账户方式进行职工医保个人账户省内共济的人次4.63 亿，共济金额680.20亿元。 2025年1月至12月，通过医保钱包进行职工医保个人账户共济共112.10万笔，共济金额7.50亿元。从共济 地域看，省内共济64.88万笔，共济金额4.36亿元；跨省共济47.22万笔，共济金额3.14亿元。 2025年职工基本医疗保险（含生育保险）统筹基金支出13574.17亿元，其中生育保险基金待遇支出 1359.65亿元；城 ...

责任编辑：栎树 关键词阅读：医保 职工医保 个人账户 1月30日，据国家医保局网站，目前，职工医保个人账户共济可以通过即时调用被绑定人个人账户、医 保钱包等方式实现。2025年1-12月职工医保个人账户共济人次4.64亿，金额687.7亿元。2025年1-12月， 通过医保钱包进行职工医保个人账户共济共112.10万笔，共济金额7.50亿元。 ...

目前，职工医保个人账户共济可以通过即时调用被绑定人个人账户、医保钱包等方式实现。2025年1-12 月职工医保个人账户共济人次4.64亿，金额687.7亿元。 一、通过即时调用被绑定人个人账户方式进行职工医保个人账户省内共济情况 2025年1-12月，通过即时调用被绑定人个人账户方式进行职工医保个人账户省内共济的人次4.63亿，共 济金额680.20亿元。 从共济地域看，同一统筹区（通常是同一个地市）内共济4.21亿人次，共济金额600.82亿元；省内跨统 筹区共济4173.51万人次，共济金额79.38亿元。 从共济用途看，用于支付在定点医疗机构就医发生的个人负担的医疗费用488.38亿元，用于支付在定点 零售药店发生的个人负担的费用34.32亿元，用于参加居民基本医保等的个人缴费142.27亿元，用于支付 长期护理保险的个人缴费0.76亿元，用于其他用途14.48亿元。 二、通过医保钱包进行职工医保个人账户共济情况 2025年1-12月，通过医保钱包进行职工医保个人账户共济共112.10万笔，共济金额7.50亿元。 从共济地域看，省内共济64.88万笔，共济金额4.36亿元；跨省共济47.22万笔，共济金 ...

从共济地域看，同一统筹区（通常是同一个地市）内共济4.21亿人次，共济金额600.82亿元；省内跨统筹区共济4173.51万人次，共济金额79.38亿元。 从共济用途看，用于支付在定点医疗机构就医发生的个人负担的医疗费用488.38亿元，用于支付在定点零售药店发生的个人负担的费用34.32亿元，用于参 加居民基本医保等的个人缴费142.27亿元，用于支付长期护理保险的个人缴费0.76亿元，用于其他用途14.48亿元。 二、通过医保钱包进行职工医保个人账户共济情况 2025年1-12月，通过医保钱包进行职工医保个人账户共济共112.10万笔，共济金额7.50亿元。 央视网消息：据国家医保局网站消息，目前，职工医保个人账户共济可以通过即时调用被绑定人个人账户、医保钱包等方式实现。2025年1-12月职工医保 个人账户共济人次4.64亿，金额687.7亿元。 一、通过即时调用被绑定人个人账户方式进行职工医保个人账户省内共济情况 2025年1-12月，通过即时调用被绑定人个人账户方式进行职工医保个人账户省内共济的人次4.63亿，共济金额680.20亿元。 附件1 2025年1-12月各省通过即时调用被绑定人个人账户进 ...

Core Insights - The article discusses the implementation and usage of the employee medical insurance personal account pooling system in China, highlighting the significant participation and financial transactions involved in this system during the first seven months of 2025 [1][2]. Group 1: Personal Account Pooling Statistics - From January to July 2025, there were 231 million instances of personal account pooling, amounting to 30.457 billion yuan [1]. - Within the same period, the pooling within the same administrative region accounted for 212 million instances and 26.994 billion yuan, while inter-region pooling reached 1.957 million instances and 3.347 billion yuan [2]. - The funds were primarily used for medical expenses at designated healthcare institutions (27.487 billion yuan), retail pharmacy expenses (1.734 billion yuan), and contributions to basic medical insurance (709 million yuan) [2]. Group 2: Medical Wallet Transfer Statistics - In the same timeframe, there were 170,600 transactions through the medical wallet transfer system, totaling 11.61269 million yuan [3]. - In July 2025 alone, there were 70,500 transactions amounting to 4.95219 million yuan, with 22,900 transactions for medical and pharmaceutical expenses totaling 418,880 yuan [3]. - The breakdown of transactions showed that 38,300 were intra-province transfers (2.74313 million yuan) and 32,200 were inter-province transfers (2.20906 million yuan) [3]. Group 3: Provincial Contributions - A detailed table lists the contributions from various provinces, with Jiangsu leading at 31.83 billion yuan and Zhejiang following at 45.25 billion yuan for personal account pooling [4]. - Other notable contributions include Guangdong (23.07 billion yuan), and Hubei (14.32 billion yuan) [4]. - The data also corrects previous figures for Gansu, indicating 1.081 billion yuan in contributions from January to June [4]. Group 4: July Medical Wallet Usage by Province - In July 2025, the report provides a breakdown of medical wallet usage across provinces, with significant activity in Hebei (2,822 transactions, 254.53 thousand yuan) and Sichuan (5,128 transactions, 320.31 thousand yuan) [5][6]. - The total number of transactions across all provinces reached 38,289, with a total amount of 27.4313 million yuan for intra-province transfers and 22,224 transactions totaling 2.20906 million yuan for inter-province transfers [6].

Core Insights - The article discusses the implementation and usage of the employee medical insurance personal account mutual aid system in China, highlighting the significant participation and financial transactions involved in this system during the first seven months of 2025 [1][2]. Group 1: Mutual Aid Participation - From January to July 2025, there were 231 million instances of mutual aid through the personal accounts of employees, amounting to 30.457 billion yuan [1][2]. - Within the same period, 212 million instances occurred within the same coordination area, totaling 26.994 billion yuan, while 1.957 million instances crossed coordination areas, amounting to 3.347 billion yuan [2]. Group 2: Usage of Funds - The funds were primarily used for personal medical expenses incurred at designated medical institutions, totaling 27.487 billion yuan, and for personal expenses at designated retail pharmacies, which amounted to 1.734 billion yuan [2]. - Additionally, 709 million yuan was allocated for personal contributions to the basic medical insurance for residents [2]. Group 3: Wallet Transfer Transactions - In the same timeframe, there were 170,600 transactions through the medical insurance wallet transfer system, with a total transfer amount of 11.61269 million yuan [3]. - In July 2025 alone, there were 70,500 transactions, with a transfer amount of 4.95219 million yuan, and a total of 22,900 transactions for medical expenses, amounting to 418,880 yuan [3]. Group 4: Provincial Breakdown - A detailed breakdown of mutual aid participation by province shows that Jiangsu had the highest participation with 31.83 billion yuan, followed by Zhejiang with 45.25 billion yuan [4]. - Other notable provinces include Guangdong with 23.07 billion yuan and Shandong with 6.64 billion yuan [4]. Group 5: Wallet Usage by Province - As of July 2025, the cumulative number of people who opened the medical insurance wallet reached 965,400, with 277,900 new openings that month [5][6]. - The provinces with significant cross-province transfers included Hebei with 106.29 million yuan and Xinjiang with 150.31 million yuan [6].

Core Insights - The employee medical insurance personal account mutual aid can be realized through immediate access to the bound individual's personal account and medical insurance wallet transfers [1] Summary by Category - **Usage Statistics**: From January to July 2025, the number of mutual aid participants in the employee medical insurance personal account reached 231 million, with a total amount of 30.457 billion yuan [1]