Which is better, social security or commercial endowment insurance?

Legal analysis: as the case may be. Social security is a government act, which is enforced by the state through legislation, and the cost will increase every year. Commercial insurance is a commercial activity with commercial nature, and its cost is generally fixed. Social security is not for profit, but for ensuring the basic old-age life of workers, maintaining social stability and promoting economic development. The purpose of commercial insurance is to guarantee the retirement return of the insured on the basis of obtaining the return. You can choose different types of insurance according to the comprehensive situation. In some cases, social insurance cannot be guaranteed. At this time, you can choose commercial endowment insurance to safeguard your own interests. Social security work-related injuries will limit the location of accidental injuries, social insurance generally does not care about outpatient and emergency services, and the amount of critical illness insurance will also be limited, so commercial endowment insurance will be better.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.