With commercial insurance, is it not necessary to buy five insurances?

Commercial insurance is a supplement to social security. The five risks of social security are national welfare insurance, which is more expensive than commercial insurance. Moreover, buying commercial insurance with social security will also reduce the premium expenditure. For example, millions of medical insurance with social security pay lower premiums than those without social security. Personal advice still needs to buy five insurances of social security to do the most basic risk isolation for yourself.