2. If it is the funds in the personal account of medical insurance, it can generally only be used for medical reimbursement, or for purchasing medical-related things such as medicines. In addition, commercial insurance can also be purchased, but basically it cannot be refunded.
3. If it is the fund in the personal account of endowment insurance, it can only be collected after retirement. Unless the insured dies or emigrates, the balance of individual pension insurance can be withdrawn.
Legal basis: People's Republic of China (PRC) Social Insurance Law.
Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Article 45 Unemployed persons who meet the following conditions shall receive unemployment insurance benefits from the unemployment insurance fund: (1) Before unemployment, the employer and himself have paid unemployment insurance premiums for one year; (two) the employment is not interrupted because of my will; (three) registered unemployed and have job requirements.
Fifty-fourth employers have paid maternity insurance premiums, and their employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.