Personal pensions are generally non-refundable.

If the insured meets the conditions for receiving pensions, they can receive them on a monthly basis; if not, they can continue to pay or transfer to other types of pension insurance, but generally the fees paid will not be refunded.

If it is due to other unavoidable reasons, pension insurance can also be refunded, but certain conditions must be met, which are divided into the following situations: 1. If you have no job and pay for resident medical insurance and pension insurance, the money you pay can only be refunded after retirement.

Give it to me on a monthly basis.

If you no longer want to pay, you can only withdraw when you reach retirement age and have not paid for 15 years.

2. If you have a job, the money you pay for the employee pension medical insurance and personal pension account is generally non-refundable. If you really don’t want to pay the pension money, you can go to the social security institution to stop it once you reach the retirement age.

Sex gets the money back.

The contents of the pension insurance system include: 1. Participants: The pension insurance system applies to all working personnel and retirees, including state-owned enterprises, urban collective enterprises, foreign-funded enterprises, private enterprises, individual industrial and commercial households, the military, government agencies and institutions, etc.:

2. Payment standards: The payment standards for pension insurance are uniformly stipulated by the state. They are generally paid according to a certain proportion of salary. At the same time, the minimum payment base and the maximum payment base are also stipulated: 3. Pension benefits: The insured person reaches the statutory retirement age.

After that, you can enjoy the basic pension benefits stipulated by the state. The amount of benefits is calculated based on the individual payment years, payment amount, regional differences and other factors: 4. Other benefits: The pension insurance system also includes retirement pensions, severance benefits, pensions,

Funeral expenses and other benefits: 5. Pension insurance fund: The pension insurance fund is a pool of funds formed by pension insurance premiums paid by contributors and units. It is used to pay pensions and other benefits for insured persons.

The management and use of pension insurance funds are subject to state supervision and protection.

Legal basis: Article 2 of the "Social Insurance Law of the People's Republic of China" The state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance systems to protect citizens in the event of old age, illness, work-related injury,

The right to obtain material assistance from the state and society in accordance with the law in cases of unemployment, childbirth, etc.

Article 14 Personal accounts are not allowed to be withdrawn in advance, the accounting interest rate shall not be lower than the bank time deposit interest rate, and interest tax is exempted.

If an individual dies, the balance of his or her personal account can be inherited.

Article 16 Individuals who participate in the basic pension insurance and have made cumulative contributions for fifteen years when reaching the statutory retirement age shall receive a basic pension on a monthly basis.

Individuals participating in basic pension insurance who have paid less than fifteen years of cumulative contributions when they reach the legal retirement age can pay for fifteen years and receive basic pensions on a monthly basis; they can also transfer to new rural social pension insurance or urban resident social pension insurance.

, enjoy corresponding pension insurance benefits in accordance with the regulations of the State Council.