Can I refund five insurances and one gold?

Five insurances and one gold can be refunded under certain conditions, but whether it can be refunded and the way and amount of refund need to be judged according to different types of insurance and actual conditions.

Five insurances and one fund refer to China's social insurance and housing accumulation fund system, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. These systems are designed to provide employees with basic living security and welfare benefits.

For the refund of five insurances and one gold, it needs to be analyzed according to different situations. First of all, the housing provident fund can be refunded under certain circumstances. According to the provisions of Article 24 of the Regulations on Housing Provident Fund, if an employee has one of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income.

In addition to the housing provident fund, other social insurance premiums are generally not refundable. This is because the social insurance system is a social security mechanism, which aims to provide basic living security and welfare benefits for the insured. After the insured pays social insurance premiums, these expenses will be included in the social security fund to pay the social insurance benefits and other related expenses of the insured.

However, under some special circumstances, social insurance premiums can also be refunded. For example, after the death of the insured, the pension insurance expenses in his personal account can be inherited by his legal heir; After the insured person has settled abroad or emigrated, he can also apply for returning the social insurance premium in his personal account.

To sum up: the refund of five insurances and one gold needs to be judged according to different situations. For housing provident fund, you can apply for refund under certain circumstances; As for other social insurance premiums, they are generally non-refundable, but they can also be refunded under special circumstances.

Legal basis:

Housing accumulation fund regulations

Article 24:

In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income.