Can I get a refund after paying the endowment insurance for urban and rural residents?

Endowment insurance does not support arbitrary refund.

First, the basic nature of urban and rural residents' endowment insurance

Endowment insurance for urban and rural residents is an important part of China's social security system, aiming at ensuring the basic living needs of urban and rural residents in their later years. Insured people accumulate personal pension accounts by paying pension insurance premiums regularly, so as to enjoy pension benefits in the future.

Two, the general provisions of the old-age insurance refund

Because endowment insurance is a long-term accumulated social security system, its payment usually does not support arbitrary refund. This is because the payment amount has been included in the social security fund to pay for retirees' pensions and other related expenses.

However, under some special circumstances, the insured or his family members can apply for a refund of the old-age insurance. These special circumstances usually include the death of the insured, immigration, etc. In these cases, according to the relevant policies and regulations, you can apply for a refund of the endowment insurance premium in your personal account.

Third, the specific process of applying for a refund

If the conditions for refund are met, the insured person or his family members shall apply to the local social security agency for refund in accordance with relevant regulations. When applying, you need to provide relevant supporting materials, such as the identity certificate, death certificate or immigration certificate of the insured. After reviewing the application materials, the social security agency will refund the money according to the policy.

It should be noted that the specific policies in different regions may be different. Therefore, before applying for a refund, it is recommended that the insured or their families consult the local social security agency to understand the specific policies and operational procedures.

To sum up:

After paying the endowment insurance for urban and rural residents, it is generally not supported to refund at will. However, under special circumstances such as the death of the insured, immigration, etc., it may be possible to apply for a refund of the old-age insurance money. The specific refund policy and operation process should be determined according to local policies and regulations. Before applying for a refund, it is recommended to consult the local social security agency for accurate information.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 14 stipulates:

Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

The State Council's Opinions on Establishing a Unified Basic Endowment Insurance System for Urban and Rural Residents

(Guo Fa [2065438+04] No.8)

Article 7 provides that:

Individuals who participate in the old-age insurance for urban and rural residents, who have reached the age of 60, have paid a total of 15 years, and have not received the basic old-age security benefits stipulated by the state, can receive the old-age insurance benefits for urban and rural residents on a monthly basis.