Civil servant social security individual partial retirement

According to China's social security regulations, individual pension accounts cannot be withdrawn in advance, but if the recipient does not receive an individual account before his life, he can withdraw it in one lump sum. Therefore, when a civil servant retires, the personal contribution of the endowment insurance cannot be refunded, but in the event of death, the confiscated part of the personal account can be withdrawn.

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