The current research landscape in blockchain and insurance transactions predominantly leans towards qualitative or applied analysis utilizing blockchain smart contract technology. Regrettably, there exists a discernible lack of profound integration between blockchain technology and insurance principles, particularly in the context of quantitative research. In light of this observation, we propose an insurance transaction model grounded in blockchain technology. Through a meticulous examination of the insurance transaction process, we have formulated a static optimal blockchain model tailored to insurance transactions. This model encapsulates the optimal capabilities of policy blockchain storage personnel, along with associated storage costs and constraints designed to curtail blockchain default forks. The outcomes of this research serve as a valuable theoretical reference for the practical implementation of blockchain within the insurance sector, thereby facilitating its continued advancement.