Only the part paid by oneself goes into the personal account, and all the part paid by the unit goes into the overall fund.

If the following conditions are met, you can withdraw the part paid by yourself from your personal account, but the part paid by the company cannot:

1, reaching retirement age, but not meeting the condition of payment 15 years (the amount stored in personal account is paid in full).

2. The insured dies for some reason (personal payment and interest).

3, the insured person to settle abroad (personal payment and interest).

4. In case of death after retirement, the balance of personal account (personal payment and interest).

Part of the unit enters the overall fund to pay the pension benefits of retirees, rather than handing it over to the state. If there is a deficit when the overall fund pays the income, the state finance will give subsidies.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.