In recent years, China has continued to advance reforms to individual medical insurance accounts, including a key measure allowing employees to share their personal account balances with family members across provinces. According to guidelines from the National Healthcare Security Administration, insured individuals can use the surplus funds in their personal medical insurance accounts to cover qualified medical expenses incurred by their spouses, parents, or children—even when those family members seek care or purchase medicine outside their home province.To do this, the account holder must activate a digital medical insurance credential via platforms such as the National Healthcare Security App, Alipay, or WeChat, and link eligible family members through a ‘family account’ or ‘dependent linkage’ feature. Once linked, when a family member receives care in another province, they present their own digital insurance credential at checkout. The system will automatically recognize the relationship and allow payment of out-of-pocket costs using the sponsor’s personal account balance.It’s important to note that this sharing applies only to personal account funds—not the pooled insurance fund—and specific implementation rules may vary slightly by region. Individuals are advised to check local policies in both the insured and receiving locations. This policy significantly improves the efficiency of medical insurance fund usage and eases household healthcare burdens, especially benefiting elderly parents living with adult children in different provinces and students studying away from home.
近年来，我国医保个人账户改革持续推进，其中一项重要便民举措是允许职工医保个人账户资金跨省共济给家庭成员使用。根据国家医保局相关政策，参保人可将本人医保个人账户中的结余资金，用于支付配偶、父母、子女等直系亲属在定点医疗机构或药店发生的合规医疗费用，即使家人在异地（跨省）就医购药，也可通过绑定亲情账户等方式实现共济使用。具体操作上，参保人需通过国家医保服务平台App、支付宝、微信等渠道激活医保电子凭证，并完成家庭成员的“亲情账户”绑定。绑定后，家人在异地就医时出示其本人的医保电子凭证，结算时系统会自动识别并允许使用授权人的个人账户余额支付自付部分。需要注意的是，共济使用仅限于个人账户资金，不涉及统筹基金；且各地政策细节略有差异，建议提前了解就医地和参保地的具体规定。这一政策有效提升了医保资金使用效率，减轻了家庭医疗负担，尤其对随迁老人、异地求学子女等群体带来切实便利。
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