How to refund the money when individuals pay social security?

Legal analysis: people who participate in medical insurance for urban workers, the money returned by social security cards every month. People who participate in medical insurance for urban workers can get their money back as long as they pay medical insurance, which is divided into three situations: First, medical insurance paid by on-the-job workers. Generally speaking, I pay according to the actual salary. The total payment ratio is 8%, of which 6% is paid by the unit and 2% by the individual. This part of the money has basically returned to the personal social security card. With the growth of age, the proportion of return will increase according to the age structure, and the highest can reach 4.3%. Therefore, it is equivalent to the fact that employees are in the medical insurance zone, that is, individuals have not paid fees.

The second is the medical insurance paid by flexible employees. Generally, it is paid according to the payment standard published by the local social security department, which is divided into first and second files. The first gear belongs to a low grade, with only a pool account and no personal account, which means that the money will not be returned to the social security card, but it will not affect the proportion and treatment of medical reimbursement; The second level is high-grade, and the cost is almost twice that of the first level. If you pay the second file, you will refund the money to the social security card every month according to your age structure. The refund ratio is the same as that of employees, ranging from 2% to 4.3%. The third type is retired workers. Retired workers can return their money to the social security card every month as long as they pay the prescribed payment period in accordance with the regulations before retirement, or pay in one lump sum before retirement; After retirement, if you continue to pay medical insurance at a high level without reaching the payment period, you can return the money in proportion every month.

Those who participate in medical insurance for urban and rural residents generally do not refund the money in the social security card.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and both employers and employees shall pay the basic medical insurance premium according to the provisions of the state.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.