If you participate in insurance as a flexible employee in cities and towns, you usually need to pay pension insurance, medical insurance and unemployment insurance in most areas. The answer is no.

Only the personal account balance can be repaid, and the money transferred to the social security pooling fund cannot be repaid, so it will be used by the social security pooling fund as a whole.

Take the endowment insurance for urban workers as an example. In most areas, the proportion of individual contributions for flexible employment is usually 20%, of which 8% is transferred to individual account and 12% is transferred to overall fund. Only the part transferred to the personal account can be returned, and you can enjoy interest or income.

The same is true for urban workers' medical insurance, which can inherit the balance of personal accounts. As for unemployment insurance, it is not refundable.

The second situation

If you are affiliated with an employer to pay social security, you generally need to pay five insurances, such as endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance, and all the expenses are borne by yourself. The answer is no.

You can still only get back the balance of your personal account (including principal and interest), and what should be included in the overall fund should be the overall expenses paid by the employer and cannot be returned.

Taking the endowment insurance for urban workers as an example, the unit contribution rate included in the overall fund is about 16%, and the individual account contribution rate is 8%. If this 24% is paid by you personally, you can only return 8% and interest or income.

The same is true of employee medical insurance. The part that has been transferred to the personal account can be inherited, and the part that has been transferred to the overall fund cannot be returned. As for unemployment, maternity and industrial injury insurance fees have not been refunded.

The third situation

If you pay the endowment insurance for urban and rural residents, the answer is yes.

1.000% of individual contributions for urban and rural residents' endowment insurance shall be credited to individual accounts. If the insured dies, the heir can inherit all the balance of the personal account, including the principal and interest.

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To sum up, all social security fees are paid by individuals. If he dies before retirement, the endowment insurance for urban and rural residents can be refunded in full, but the social security for urban workers can't be refunded in full, only the balance of personal accounts can be refunded. The part that has been allocated to the social security pooling fund cannot be returned, and belongs to the social security agency for overall use.