Three treasures of Shanghai? Five guarantees? What do you mean, respectively? Can I return it?

The three guarantees in Shanghai social security are: endowment insurance, medical insurance and industrial injury insurance; The five guarantees in Shanghai social security are: old-age insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. These insurances belong to social security and can only be sealed (stopped) or transferred, and cannot be surrendered.

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