Last year, China’s employee medical insurance personal account mutual aid mechanism benefited 464 million person-times, reflecting significant achievements in healthcare system reform. The personal account mutual aid policy allows insured employees to use idle funds in their personal accounts to cover medical expenses for family members (such as spouses, parents, and children), improving the efficiency of medical insurance fund usage and reducing household medical burdens. This policy not only strengthens the mutual aid function of medical insurance funds but also enhances the fairness and sustainability of the social security system. By optimizing the scope of personal account usage, it effectively alleviates the problem of high medical costs for certain groups and further promotes the implementation of the ‘Healthy China’ strategy. Future reforms will continue to focus on expanding coverage and improving service convenience to benefit more people.
去年，我国职工医保个人账户共济机制累计惠及4.64亿人次，这一数据体现了医保制度改革的显著成效。个人账户共济是指参保职工可将个人账户中闲置的资金用于支付家庭成员（如配偶、父母、子女）的医疗费用，提高了医保资金使用效率，减轻了家庭医疗负担。该政策不仅强化了医保基金的互助共济功能，还增强了社会保障体系的公平性和可持续性。通过优化个人账户使用范围，有效缓解了部分群体看病贵的问题，进一步推动了“健康中国”战略的实施。未来，医保制度改革仍将聚焦于扩大保障范围、提升服务便捷性，让更多群众受益。
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