Is it better to buy commercial insurance or social security?

Legal analysis: From the perspective of stability, social security is more reliable. Commercial insurance is backed by the national government and needs to be profitable. The use and payment methods of commercial insurance are not as convenient as social insurance. Taking a social security card to see a doctor can be settled in real time, but commercial insurance cannot be settled in real time. There is an exemption clause for buying commercial insurance, which means that in some cases, claims will not be paid.

Legal basis: Article 2 of the Social Insurance Law of People's Republic of China (PRC) The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to get material help from the state and society according to law in case of old age, illness, industrial injury, unemployment and maternity.