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2004年11月5日江苏淮安市农业保险正式履约。在全市4县2区选择10个乡镇开展试点工作，开办关系农民生产生活的水稻、三麦、养鱼初始成本保险和农民人身意外伤害保险，农民可自愿选择一项或多项进行承保。试点当年投保小麦的农户达到72088户，共承保三麦20．67万亩，收取保费117．97万元，其中农民缴保费585987元，财政补贴585987元，承保面近83％。 年初小麦遇寒受冻减产，近万户农民获得保险补偿款，这便是受益于淮安市政府与中华联合保险公司“联办共保”的农业保险，业内人称“淮安模式”。
November 5, 2004 Huai’an, Jiangsu Province, the official implementation of agricultural insurance. In the 4 districts and 2 districts of the city, 10 townships were selected to carry out pilot projects, and rice, three wheat, fish initial cost insurance and personal accident insurance for peasants were set up. Peasants could voluntarily choose one or more items for underwriting. In the pilot year, the number of farmers who insured wheat reached 72,088, covering a total of 207,600 mu of Sanmai and a premium of 1,179,700 yuan, of which farmers paid premiums of 585,987 yuan and financial subsidies of 585,987 yuan, covering nearly 83% of the total. Early this year, when wheat was cold and frost and yield reduction, nearly 10,000 farmers received insurance compensation, which is benefited from the Huai’an municipal government and China United Insurance Company “co-insurance” of agricultural insurance, the industry known as the “Huaian model.”