not all of them can be taken out. Old-age insurance can't be taken out by the insured as long as he is alive, and industrial injury insurance, medical insurance, unemployment insurance and maternity insurance can't be taken out. Only when this insurance condition is met, the prescribed subsidy or compensation will be given. If it is not met or never met, it will be a public welfare fund. The housing accumulation fund shall be paid to the retirees in one lump sum when they retire, and the pension insurance shall be paid to the retirees' families when they die.