国家医保局已将医保钱包升级至2.0版，自10月16日起在全国各地全面上线运行1。新版本支持跨省共济，参保群众可将个人账户资金用于近亲属在全国范围内的就医购药，以及城乡居民医保和长期护理保险的参保缴费1。
跨省共济业务办理渠道多样，参保人可通过国家医保服务平台App、支付宝小程序或线下经办窗口进行申报1。为防范风险，共济对象严格限定为近亲属，且共济资金不可再次共济1。
此前职工基本医疗保险个人账户在省内范围的共济已运行5年，累计共济超7.8亿人次，金额超1000亿元1。
China's National Medical Insurance Administration has rolled out an upgraded version of its Medical Insurance Wallet, which became fully operational across all provinces, autonomous regions, municipalities, and the Xinjiang Production and Construction Corps starting October 16, 2026.1 The new platform enables cross-provincial pooling of personal account funds, allowing insured individuals to use their medical insurance savings for close relatives' medical expenses, medication purchases, and insurance premium payments nationwide, thereby easing healthcare burdens and improving fund utilization efficiency.1
Users can now access cross-provincial pooling services through multiple channels, including the National Medical Insurance Service Platform app, Alipay mini-programs, and offline service windows.1 Personal account funds, which previously could only be shared within provincial boundaries for medical care and drug purchases, have been extended to cover cross-provincial usage and premium payments for urban and rural residents' medical insurance as well as long-term care insurance.1 The system maintains strict safeguards by limiting pooling recipients to close relatives and preventing shared funds from being further redistributed.1
The transition builds on five years of provincial-level pooling experience within the employee basic medical insurance system, which had benefited over 780 million instances of fund transfers with cumulative amounts exceeding 100 billion yuan.1
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