How much can the old-age insurance and medical insurance for foreigners in Shenzhen be refunded?

For a long time, many people think that no matter how many years they have paid Shenzhen social security, they can only retire at their domicile when they reach retirement age, or they think that although they can retire in Shenzhen, they can only enjoy the treatment of their hometown. In fact, non-deep households can retire in Shenzhen and enjoy social security benefits according to Shenzhen standards. The conditions are simple, and you can enjoy retirement benefits in Shenzhen if you meet any of the following conditions.

1. Accumulated pension insurance in Shenzhen before retirement 15 years or more, and the last insured place was in Shenzhen;

Note: Non-registered insured persons who meet this requirement, regardless of whether the registered insured persons are in Guangdong Province or outside the province, and have years of enterprise employee pension insurance or medical insurance in other places, can be incorporated into Shenzhen to accumulate pensions. After reaching retirement age, you can receive a pension according to the standards of Shenzhen. If the medical insurance period is not enough, you can pay the medical insurance separately while receiving the pension until you reach the minimum payment period, and you can stop not paying and enjoy medical treatment for free.

2. Accumulated endowment insurance in Shenzhen for more than 10 years before retirement, and merged with other places for 15 years, and finally insured in Shenzhen;

Note: Those who merge with other places before retirement and reach 15 can retire directly at retirement age, regardless of Guangdong household registration or foreign household registration. However, if you reach the retirement age, the accumulated payment period in Shenzhen is between 10 and 15, and you have no years of merging with other places, you can only apply for retirement by delaying it to 15. There are two types of deferred payment here: Guangdong household registration and non-Guangdong household registration. Insured persons who are not registered in Guangdong can apply for deferred payment as long as they have paid in Shenzhen for more than 10 years before retirement, and there is no requirement for continuous payment. The insured with Guangdong household registration can only apply for deferred payment if they have paid in Shenzhen for more than 5 years. That is to say, in this accumulated 10 year, if there is no record of 5 years, they cannot apply for deferred payment.

If you can't meet the above conditions, you should move your account to Shenzhen before retirement, so you can also apply for retirement in Shenzhen after delaying payment or one-time payment. However, it is useless to move your registered permanent residence to Shenzhen after retirement. After retirement, if you move your hukou to Shenzhen, you will not enjoy the pension benefits in Shenzhen. In addition, if it takes only one and a half years for the insured to meet the conditions of deferred payment, don't transfer away, let alone surrender. The policy of delaying retirement age will come out soon. See if there is any chance to continue paying. Some insured people have been in Shenzhen for more than 10 years, but they need to work in different places. It is not recommended to transfer to social security in Shenzhen now, and they can choose to stay in Shenzhen in the future. The benefits of retirement in Shenzhen are not only higher social wages and faster growth, but more importantly, medical treatment in Shenzhen.

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