美签大鹤

外籍华人注销国内户口后没有中国身份证了，那其入外籍前在中国购买的社保医保，可以正常续上吗？大鹤给大家分享一下外籍华人回国工作定居，如何延续以前的社保。

If there is no Chinese identity card after the cancellation of the Chinese hukou, can the foreign Chinese renew the social security and medical insurance purchased in China before? Dahe would like to share with you how to continue the previous social security when foreign Chinese return to work and settle down.

一、社保的延续The continuation of Social Security

未达到退休年龄

Not reaching retirement age

在出国定居前已参加职工基本养老保险

Have participated in the basic pension insurance before settling down abroad

出国定居后保留了中国国内基本养老保险关系和个人账户

After settling down abroad, foreign Chinese kept the basic pension insurance relationship and personal account in China

满足了以上三条条件的外籍华人，在回到中国就业并重新参加基本养老保险后，其新、老养老保险关系可以进行接续，个人账户可以进行合并，且回中国后再次参保缴费的年限与出国前的缴费年限进行累计计算。

For Chinese foreigners who meet the above three conditions, after returning to China to work and re-participate in the basic endowment insurance, the relationship between the old and new endowment insurance can be continued, and their personal accounts can be combined. Moreover, the number of years of re-participation in the insurance after returning to China and the number of years of contribution before going abroad can be calculated cumulatively.

另，若外籍华人在中国就业并参加社保后，在达到规定的领取养老金年龄前离开中国，则其社保个人账户将会被保留，并当其再次回归中国就业，他们的缴费年限将累计计算。

In addition, if Chinese foreigners leave China before reaching the prescribed pension age after they have worked in China and participated in social security, their personal social security accounts will be retained, and when they return to work in China again, their contribution years will be accumulated.

若外籍华人提交书面申请终止社会保险关系，则可将其社保个人账户内的储存额一次性支付给本人。此种情况下，当该名外籍华人再次在中国就业，其社保缴费年限需重新计算。

If the Chinese foreign nationality submits a written application to terminate the social insurance relationship, the amount stored in his personal social security account can be paid to him in a lump sum. In this case, when the foreign Chinese works in China again, his social security payment period shall be recalculated.

二、注意事项Matters need attention

由于外籍华人再次回到中国就业并重新参加社保基础养老保险时，使用的身份证件是外国护照，与出国前参与社保使用中国身份证有所不相同。因此，部分城市会额外要求提供可证明现国籍身份与以往中国身份为同一人的证明文件。

When Chinese foreigners return to China for employment and re-participate in the basic social security endowment insurance, they will use a foreign passport, which is different from the Chinese identity card they used for social security before going abroad. Therefore, some cities will require additional documents to prove that the current nationality is the same as the previous Chinese identity.

三、社保养老金的领取 Draw social security / pension

参加基本养老保险且缴费年限达到15年;

Participate in the basic endowment insurance and the contribution period has reached 15 years;

达到法定退休年龄(以当地或行业法规为准)。

Reach the mandatory retirement age (subject to local or industry regulations).

外籍华人可以选择在中国养老，并按月领取基本养老金；也可以选择在中国境外按月领取养老金，但应当至少每年向负责支付其养老金的社会保险经办机构提供一次由中国驻外使、领馆出具的生存证明，或者由居住国有关机构公证、认证并经中国驻外使、领馆认证的生存证明。

Foreign Chinese can choose to live in China for old age and receive basic pension on a monthly basis; They may also choose to receive pensions outside China on a monthly basis, provided that they shall, at least once a year, provide to the social insurance agency in charge of paying pensions a survival certificate issued by the Chinese embassy or consulate abroad, or a survival certificate notarized and certified by the relevant agency in the country of residence and certified by the Chinese embassy or consulate abroad.