Henan province pays social security in one lump sum.

According to the Opinions of Henan Provincial Department of Human Resources and Social Security on Several Issues Concerning the Implementation of Order Ministry of Human Resources and Social Security 13 (No.6 of the Legal System of Henan People's Society [2012]), those who have reached retirement age and paid endowment insurance premiums for 15 years can go through retirement procedures; Those who have not completed 15 years shall be deferred to 15 years before going through the retirement formalities. If the extension is still less than 15 years after 5 years, you can pay it back to 15 years in one lump sum and go through the retirement formalities.

According to Article 26 of the Regulations on Handling the Basic Old-age Insurance for Urban and Rural Residents in Henan Province, when the new rural social endowment insurance or the social endowment insurance system for urban and rural residents is implemented, the insured under the age of 15 shall pay the annual fee, and it is also allowed to pay it back, and the accumulated payment shall not exceed 15 years. When the urban and rural residential insurance system is implemented, the insured persons who have reached the age of 15 or above shall pay the annual fee, and the insured persons who have paid less than 15 years can also pay back the fee, and the accumulated fee shall not be less than 15 years. Payment should be made according to the payment standard of the year, and the payment part does not enjoy the government payment subsidy.

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