Which is more reliable, social security or commercial insurance?

Social security is more reliable than commercial insurance. Social security is supported by the national government and is more reliable. However, commercial insurance needs to be profitable, and the use and payment methods of commercial insurance are not as convenient as social insurance. For example, taking a social security card to see a doctor can be settled in real time, while commercial insurance cannot be settled in real time. There are exemption clauses for buying commercial insurance, so social security is more secure.

legal ground

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.