diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
index b0f2bda5d..03633eb18 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderBasicInfoServiceImpl.java
@@ -1950,8 +1950,8 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
 
         // 校验订单支付金额，消费金额，退款金额
         BigDecimal orderPayAmount = afterSettleOrderDTO.getOrderPayAmount(); // 支付金额
-        if (orderBasicInfo.getInsuranceAmount() != null) {
-            // 如果该笔订单保险金额不为空，则将支付金额 - 保险金额作为新的支付金额
+        if (orderBasicInfo.getInsuranceAmount().compareTo(BigDecimal.ZERO) > 0) {
+            // 如果该笔订单保险金额大于0，则将支付金额 - 保险金额作为新的支付金额
             orderPayAmount = orderPayAmount.subtract(orderBasicInfo.getInsuranceAmount());
         }
         BigDecimal orderConsumeAmount = afterSettleOrderDTO.getOrderConsumeAmount(); // 消费金额
@@ -2248,8 +2248,8 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
             return resultList;
         }
 
-        // 如果保险金额不为空，新增一条分账信息
-        if (orderBasicInfo.getInsuranceAmount() != null) {
+        // 如果保险金额大于0，新增一条分账信息
+        if (orderBasicInfo.getInsuranceAmount().compareTo(BigDecimal.ZERO) > 0) {
             SplitData insuranceSplit = new SplitData();
             insuranceSplit.setMemberId(Constants.ZERO);
             insuranceSplit.setAmount(String.valueOf(orderBasicInfo.getInsuranceAmount()));