近日，国家医保局宣布全面推行医保个人账户跨省共济政策，标志着我国医保制度在区域协同和便民服务方面迈出重要一步。所谓‘跨省共济’，是指参保人可授权其医保个人账户资金用于支付配偶、父母、子女等家庭成员在异地就医时的合规医疗费用。这意味着，即使家人身处不同省份，也能共享账户余额，有效缓解异地看病垫资压力。该政策依托全国统一的医保信息平台，实现账户授权、结算和监管一体化。参保人只需通过国家医保服务平台App或地方医保小程序完成家庭成员绑定，即可在全国范围内使用共济功能。此举不仅提升了医保资金使用效率，也增强了家庭内部的医疗保障互助能力。值得注意的是，共济资金仅限用于支付符合规定的门诊、购药等费用，不能用于住院报销或提取现金。此外，各地具体实施细则可能略有差异，建议参保人关注所在地医保部门发布的操作指南。总体而言，医保个人账户跨省共济是深化医保改革、促进公共服务均等化的重要举措，将切实提升群众异地就医的便利性和获得感。
Recently, China’s National Healthcare Security Administration announced the nationwide implementation of a policy allowing cross-provincial mutual support through individual medical insurance accounts. This marks a significant step forward in regional coordination and public convenience within China’s healthcare insurance system.Under this ‘cross-provincial mutual support’ policy, insured individuals can authorize family members—such as spouses, parents, and children—to use their personal medical insurance account balances to pay for eligible medical expenses incurred during out-of-province treatment. This means that even if family members live in different provinces, they can share the account balance, effectively reducing the financial burden of upfront payments for medical care.The policy relies on China’s unified national medical insurance information platform, enabling seamless authorization, settlement, and oversight. Insured individuals simply need to link their family members via the National Medical Insurance Service App or local mini-programs to activate this feature nationwide.It should be noted that shared funds can only be used for approved outpatient services and pharmacy purchases—not for inpatient reimbursements or cash withdrawals. Local implementation details may vary slightly, so individuals are advised to consult guidelines issued by their local medical insurance authorities. Overall, this policy represents a key reform aimed at enhancing equity in public healthcare services and significantly improving convenience and satisfaction for patients seeking care across provincial borders.
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