You can return it. According to the seventh point of the Guiding Opinions on Launching the Pilot Project of Social Endowment Insurance for Urban Residents: those who are under 15 before receiving it will be paid annually, and they are also allowed to pay back, and the accumulated payment will not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.