Can I get a refund if I surrender my new rural insurance?

The new rural insurance can be refunded if it is surrendered. If you are unwilling to pay, you can suspend your retirement. If the accumulated payment period of old-age insurance is less than 15 years, and you are unwilling to pay back, you can apply for a one-time withdrawal of personal account balance at retirement. Personal accounts cannot be refunded before retirement. According to the law, the new rural insurance can be retired, but certain procedures must be handled according to the process regulations. If the insured students have not reached the statutory retirement age and participated in other related employee pension insurance, they can apply to the nearest social security center with their identity documents and recruitment information documents.

1. If the insured person has not reached the retirement age and has participated in the endowment insurance for urban workers, he/she shall go to the nearest social security service center to handle the surrender formalities with the original ID card, a copy of ID card, employee employment notice or detailed list of labor contracts.

2. If the insured person dies before reaching retirement age, his relatives should provide the following supporting materials to the nearest social security service center: death certificate issued by the hospital, cremation certificate issued by the civil affairs department and household registration cancellation certificate issued by the public security department, valid certificate of designated beneficiary or legal heir, legal documents that can determine his inheritance right, etc.

3. If the insured is missing and declared dead, a death certificate issued by the judicial department shall be provided. After the social security service center or assistant of the county-level unit checks it correctly, the balance of personal account funds shall be settled, the new rural insurance relationship shall be terminated, and the relevant materials shall be submitted to the agricultural insurance department of the county social security center for approval.

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

Legal basis:

Article 15 of the Social Insurance Law of People's Republic of China (PRC)

The basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Article 16 of People's Republic of China (PRC) Social Insurance Law

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.