The invention discloses a method for designing composite-index agricultural insurance and a product therefrom, the method including: S1, Obtaining the required data in the study area; S2, Constructing the climatic simulation scenarios under ideal and disaster, S3, Calibrating the site-level crop growth model, then inputting the simulation scenarios of S2 to get the corresponding output of each site; S4, Calculating the premium rate of agricultural insurance based on the output of S3; S5, Choosing several candidate indicators and using these indicators to construct a composite index; S6, Building a vulnerability model that reflects the response between the yield loss rate and the composite index through combining the composite index of S5 with the output of S3, then determine how to pay out based on the vulnerability model and the premium rate.
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