yes, those that started in January 222 will never return.

from January 1st, 222, the employees who are insured according to the account pooling model (1% paid by the company and 2% paid by the individual) will no longer be credited to the individual account by the company according to the proportion of .8% over 45 years old and 1.2% over 45 years old, and all of them will be credited to the medical insurance pooling fund. The relevant funds transferred from the cancellation of unit contributions to personal accounts will be used to improve the reimbursement treatment of employees' medical insurance clinics, the guarantee of vaccination fees and other medical insurance policies for the benefit of the people. In other words, the personal account will no longer be refunded, but the money that has been returned before can be used normally.

What is social insurance?

Social insurance is a social and economic system that provides income or compensation for people who are completely incapacitated and unemployed. The main contents of social insurance include endowment insurance, medical insurance, unemployment insurance and maternity insurance.

The social insurance scheme is formulated by the government, which requires a certain group to use part of their wages as social insurance tax (fee) to generate a social insurance fund. Under certain conditions, the insured can get fixed compensation for gains or losses from the fund, which belongs to a redistribution mechanism, and its goal is to ensure the reproduction of materials and labor and social order.

The new social security regulations in p>222 are as follows:

1. The social insurance fees will be collected by the national tax authorities in a unified way and will not be handed over to the local social security department of the insured;

2. At present, China has cancelled the centralized certification requirements for receiving social insurance benefits, and fully implemented information and remote services for social insurance participation;

3. The social insurance payment base for flexible employees has also been adjusted;

4. If the insured fails to pay the social security fee for fifteen years at the time of retirement, they can also make a one-time payment.

Functions of social insurance:

1. Social insurance can fully promote social stability: the old, weak, sick, disabled, pregnant and incapacitated members of society are unavoidable at any time and under any social system. Social insurance is to provide appropriate compensation to ensure the basic living standard of social members when they encounter such a situation, so as to avoid the occurrence of social instability;

2. Social insurance is beneficial to ensure the smooth reproduction of social labor force: workers will inevitably encounter various accidents during their work, which will lead to the interruption of labor force in the production process. Social insurance is the economic compensation and living security that workers need when they encounter the above-mentioned risk safety accidents, so that the labor force can be restored;

3. Social insurance is beneficial to the realization of social justice: because of the differences in education level and ability of social members, it will lead to differences in income. Social insurance can gather insurance funds through compulsory collection of insurance premiums to subsidize workers with low income or loss of income sources, improve their living standards and realize fair distribution of society;

4. Social insurance is beneficial to promoting social progress _ Insurance has the characteristics of mutual assistance, and social insurance can better show the spirit of mutual assistance and cooperation.

Legal basis:

Social Insurance Law of the People's Republic of China

Article 23 Employees shall participate in the basic medical insurance for employees, and both the employer and the employees shall pay the basic medical insurance premium according to the national regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

article 24 the state establishes and improves the new rural cooperative medical system.

the measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 27 Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state, if the accumulated payment reaches the fixed number of years stipulated by the state when they reach the statutory retirement age; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

article 29 the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units.

the social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in different places, so as to facilitate the insured to enjoy the basic medical insurance benefits.