The endowment insurance paid in rural areas cannot be refunded, as follows:

1. If an individual with basic endowment insurance for employees has paid less than 15 years after reaching the statutory retirement age and has not been transferred to the new rural social endowment insurance or urban residents' social endowment insurance, the individual may apply in writing to terminate the basic endowment insurance relationship for employees;

2. After receiving the application, the social insurance agency shall inform it in writing of its right to transfer to the new rural social endowment insurance or urban residents' social endowment insurance and the consequences of terminating the employee's basic endowment insurance relationship. After my written confirmation, I will terminate the employee's basic endowment insurance relationship and pay the amount stored in my personal account to me in one lump sum.

Legal basis: Article 64 of the Social Insurance Law of the People's Republic of China

Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined to establish accounts and accounting, other social insurance funds are established separately according to social insurance types and accounted for separately. Social insurance funds implement a unified national accounting system.

Social insurance funds are earmarked for special purposes, and no organization or individual may occupy or misappropriate them.

The basic old-age insurance fund will gradually be co-ordinated nationwide, and other social insurance funds will gradually be co-ordinated at the provincial level. The specific time and steps will be stipulated by the State Council.