Is it better to buy social security by freelancing, or to buy social security at your own expense by linking with other companies? What's the big difference between the medical part? I am in Guangzhou

Is it better to buy social security by freelancing, or to buy social security at your own expense by linking with other companies? What's the big difference between the medical part? I am in Guangzhou, female. The social insurance premium for freelancers is 888 yuan per month. The social insurance premium purchased by affiliated companies for employees is 8 14.5 yuan per month. Freelancers only have pension and medical care. Employees buy all five insurances. Freelancer's medical insurance card has no cash return. The amount of employee medical insurance cards returned each month is different. The benefits of pension and medical care are the same. For more information, please refer to this account. For maternity insurance, if it is useful, it can only be paid by the company, not by individuals.