Abstract: Meteorological index insurance is an innovative financial instrument which is effective to address the high operating costs and serious moral hazard of traditional agricultural insurance, and accurate determination of insurance rate and risk division is the basis for reasonable design of meteorological index insurance. First, this paper selected the low-temperature frost and continuous cloudy rain, which have a great impact on the yield of spring tea, as the meteorological disaster factors for the insurance design. Based on the meteorological data and spring tea yield data from 1998-2023 of each township in Songyang County, Zhejiang Province, the meteorological yield reduction rate of tea was calculated, and the relationship between yield reduction rate and multiple meteorological factors was established. Next, this paper used historical data on tea yield reduction rates to fit the optimal distribution model for each township using the parametric model method to calculate insurance rates for different deductibles. Finally, based on the hazard factors, vulnerability of hazard-bearers and disaster resistance, the comprehensive risk index was constructed to carry out risk zoning and to optimize the pure insurance rate, and then the comprehensive meteorological index insurance plan of tea was designed. The results show that the distribution function of tea meteorological yield reduction rate is different in each township in Songyang County. From the perspective of comprehensive risk index, the comprehensive risk index is high and the risk optimization coefficient is large in Chishou township and Zhangxi township because of high tea planting density and high exposure rate. The overall risk of tea planting in Songyang County presents a spatial distribution of high risks in the northeast and low risks in the southwest. When the deductible rate are 5%, 10% and 15%, the average rate of each township after optimization in Songyang County are 10.22%, 9.47% and 8.47% respectively. The risks of tea planting in different townships are different, so it is necessary to design meteorological index insurance contract according to the revised pure premium rate, so as to realize the healthy development of tea meteorological index insurance.