近日，国家医保局宣布将医保个人账户共济范围从省内拓展至全国。这意味着参保人可授权其医保个人账户结余资金用于支付配偶、父母、子女等家庭成员在全国范围内定点医疗机构或药店发生的合规医疗费用。这一政策突破地域限制，显著提升了医保个人账户资金的使用效率和家庭互助功能。过去，医保个人账户共济通常仅限于同一统筹地区或省内，跨省使用存在障碍。随着人口流动日益频繁，异地就医、异地养老等情况增多，原有政策已难以满足实际需求。此次全国共济范围的拓展，顺应了群众对便捷、高效医保服务的期待，有助于减轻家庭整体医疗负担。需要注意的是，共济使用仍需遵守医保基金监管规定，仅限于支付符合医保目录的药品、诊疗项目及医疗服务设施费用，不得用于非医疗支出。此外，授权操作可通过国家医保服务平台App等渠道线上完成，流程简便安全。该举措是深化医保制度改革的重要一步，不仅增强了医保制度的公平性与可及性，也为构建更加人性化、家庭友好的医疗保障体系奠定了基础。
Recently, China’s National Healthcare Security Administration announced the expansion of the mutual use (or ‘family sharing’) scope of individual medical insurance accounts from within provinces to nationwide coverage. This means that insured individuals can now authorize their family members—such as spouses, parents, and children—to use the remaining balance in their personal medical insurance accounts to pay for qualified medical expenses at designated healthcare institutions or pharmacies anywhere across the country. This policy breaks down geographical barriers and significantly enhances both the utilization efficiency of personal account funds and the family-based mutual support function of the medical insurance system.Previously, such account sharing was typically limited to the same administrative region or within a single province, making cross-provincial usage difficult. With increasing population mobility—including more cases of seeking medical care or retirement away from one’s home province—the old restrictions no longer met practical needs. The nationwide expansion addresses public demand for more convenient and efficient healthcare services and helps reduce overall household medical expenses.It should be noted that shared usage must still comply with medical insurance fund regulations—it is restricted to expenses covered under the national insurance reimbursement catalog, such as approved medicines, treatments, and medical services, and cannot be used for non-medical purposes. Authorization can be easily and securely completed online via platforms like the National Medical Insurance Service App.This reform marks an important step in deepening China’s medical insurance system, enhancing its fairness and accessibility, and laying the groundwork for a more humane, family-friendly healthcare security framework.
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