The difference between social insurance and peace of mind insurance?

Social insurance coverage is broad, but the enjoyment is lower! \x0d\\ commercial insurance is more homogenized, but enjoy a higher amount! \x0d\\ commercial pension insurance, briefly, 25 years old example: \x0d\ 1, choose to invest in financial dividends type of pension insurance, long-term considerable rate of return is more substantial! \x0d\2, assuming that for a financial dividend pension insurance, the sum insured of 50,000 yuan, the protection of life-long, deposited for 15 years, *** deposited 80,000 yuan! Every 3 years to return 8% of the sum assured for life! Then you have 350,000 yuan in the account by the age of 59, 60 years old to start receiving pension of 20,000 yuan per year, 20 years *** to receive 400,000 yuan, 80 years old when there is still 160,000 yuan in the account, to the age of 100 years old account of 550,000 yuan! \x0d\3, additional term return type critical illness insurance and comprehensive accidental hospitalization medical insurance! Includes reimbursement for all accidental hospitalization medical incidents! There is no limit to the number of reimbursements.