Can I buy commercial insurance instead of social security?

Some people think that commercial insurance is more cost-effective, flexible and fair than social security. Some people say that social security is more reliable, suitable for low-income people, and there are state subsidies. Others suggest buying social security with unit subsidies and commercial insurance without subsidies. Social insurance is the basic welfare given by the state. Although it is good, it is not good enough. Commercial insurance is a higher level and more comprehensive guarantee. To sum up in a word: social security guarantees food and clothing, and business insurance guarantees food. Therefore, social security and commercial insurance are complementary. It is suggested to improve social security first, and then choose to buy commercial insurance as a supplement. The combination of the two can guarantee a better life!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.