保险需求是指消费者在一定时期内各种可能的价格下愿意购买且有能力购买的保险商品的数量。这个概念包括两层含义:第一,消费者有购买的意愿;第二,消费者有购买保险的能力。一般的需求通常表现为物质方面,如我们对食品、对衣服的需求。保险需求不仅表现在物质方面,即当遭受损失? Insurance demand is the number of insurance products that consumers are willing to buy and have the ability to buy at various possible prices over a period of time. This concept includes two meanings: first, consumers have the will to purchase; second, consumers have the ability to buy insurance. The general needs are usually expressed in material terms, such as our need for food and clothing. Insurance demand is not only reflected in the material aspects, that is, when suffered losses?