Can medical insurance for flexible employees be refunded?

The social security problems faced by flexible employees have always attracted much attention. They often fall into financial difficulties, because there is no employer to share the social security expenses, and all the expenses need to be borne by themselves. This situation makes flexible employees feel great pressure, especially after paying social security, the economic burden is getting bigger and bigger, which leads them to consider surrendering.

First, you can surrender, but the conditions are strict.

At present, the standard of social security surrender is very strict. Social security is divided into overall planning part and individual part. According to social security laws and regulations, personal account funds are not allowed to be withdrawn in advance. This includes the surrender of social security. Therefore, individual surrender is also restricted by a series of strict conditions:

Reach the required retirement age but do not meet the payment conditions of 15.

If a person has reached retirement age, but has not paid social insurance premiums for 15 years continuously, then flexible employees can apply for surrender.

A person who is repeatedly insured.

Flexible employees who have participated in social security for many times in the same period and have terminated their labor relations may also apply for surrender.

Social security participants who emigrate overseas.

If you need to emigrate overseas for some reason, you can also apply for social security surrender.

Social security participant died.

If a flexible employee dies after participating in social security, his relatives have the right to apply for a social security refund.

Social security is a necessary social security system, which aims to ensure that workers can get basic living and medical security. In the process of paying social security, all workers are obliged to pay social security fees on time.

Second, surrender is not cost-effective.

Even at retirement age, if you don't meet the payment requirements of 15, you can still choose to surrender. However, after surrender, only the funds and interest in personal accounts can be refunded, which is inevitable. The actual proportion of pension insurance for flexible employees is 20%. Of which 12% belongs to the overall account and 8% belongs to the individual account. When they apply for surrender, they can only get back 8% of their personal accounts, accounting for only about 40% of their total contributions. In other words, they lost more than 60% of their money. No matter from which point of view, this is very uneconomical.

Continuing to participate in insurance is the best choice.

In order to ensure that everyone is eligible for old-age insurance, the state has adopted various strategies:

First of all, pay social security fees in one lump sum.

In the past, it was very unfair for people who paid social security every year to pay 15 of the social security fee at one time, so this method has been cancelled in the new regulations. Only those who meet some conditions can pay social security fees in one lump sum, including employees of state-owned enterprises and institutions, educated youth who go to the countryside and retirees who have already paid social security locally. This policy helps to ensure that their social security expenses are not wasted.

Secondly, employee pension insurance can be changed to urban and rural residents' pension insurance, which can be replaced or transferred.

When an individual reaches the age of 60, he may apply to transfer the balance of the employee pension insurance personal account to the urban and rural residents pension insurance personal account. This can make up the payment gap in 15 at one time, and then start to receive pensions. In this way, the previous efforts will not be in vain.

Finally, if the social security fee you have paid is less than 15, you can choose to continue to pay until it reaches 15. The government also provides social security subsidies to people with employment difficulties, which can reduce the burden of social security fees by up to 2/3. However, the application time for social security subsidies is usually limited to 36 months. Those who have retired for less than 5 years can extend their application to retirement, which can more effectively reduce their personal burden.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 10 of the Social Insurance Law of People's Republic of China (PRC).

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Article 11

The basic old-age insurance combines social pooling with individual accounts.

The basic old-age insurance fund consists of employers, individual contributions and government subsidies.