Guangzhou social security card pays back the money every month.

The composition of the money in the medical insurance card: 2%+3 paid by the individual every month, plus 0.8% of the company account is transferred to the personal account, and the amount received by the personal account every month is 3% for those under 45 years old and 4% for those over 45 years old (including 45 years old). (The return ratio varies slightly from place to place, depending on local policies. )

The annual amount is calculated by multiplying the monthly amount by 12.

For example, if you are 40 years old and your monthly deposit base is 3000.00, then your monthly refund is 3000.00 * 0.03 = 90.00 yuan, and the total for one year is 90.00 * 12 = 1080.00. If you don't withdraw this year, there will be interest in the second year.

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