Social security has a wide coverage and low security. It is strongly recommended to buy commercial insurance if possible?

The objective basis of social insurance is the risks existing in the labor field, and the standard of insurance is the worker's person;

The subject of social insurance is specific. Including workers (including their relatives) and employers;

Social insurance is compulsory insurance;

The purpose of social insurance is to maintain the reproduction of labor force;

Insurance funds come from contributions and financial support from employers and workers.

Insurance coverage is limited to employees, excluding other social members. The scope of insurance is limited to all kinds of risks in labor risks, excluding other risks such as property and economy (some companies do not calculate and pay five insurances and one gold according to the actual salary of employees, but set up another base).