Legal analysis: If the insured person dies, he/she should bring the insured person's ID card and personal account manual of endowment insurance to the insured institution with the Death Certificate issued by the relevant level hospital or the Cremation Certificate issued by the funeral parlour, and then the social security society will return the balance of personal account to his/her successor for inheritance.

Only the personal account can be refunded, and at the same time, you can apply for funeral expenses. Handle the handling agency that will be insured now. After the death of the insured, the balance of the personal account plus interest shall all be regarded as the inheritance, which shall be collected by the heir or designated beneficiary.

legal basis: social insurance law of the people's Republic of China

article 2 the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in case of old age, illness, industrial injury, unemployment and maternity.

article 26 the treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

article 28 medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.