diff --git a/jsowell-admin/src/test/java/PaymentTestController.java b/jsowell-admin/src/test/java/PaymentTestController.java
index 8e163d7de..6a87a74ef 100644
--- a/jsowell-admin/src/test/java/PaymentTestController.java
+++ b/jsowell-admin/src/test/java/PaymentTestController.java
@@ -539,10 +539,10 @@ public class PaymentTestController {
      */
     @Test
     public void createPaymentReverseRequestTest() {
-        String paymentId = "002212025091616304410813943148522684416";
-        BigDecimal refundAmount = new BigDecimal("0.5");
+        String paymentId = "002212025091909381410814926502197886976";
+        BigDecimal refundAmount = new BigDecimal("0.02");
         String memberId = "65622699";
-        String orderCode = "C65858163754";
+        String orderCode = "C63345490920";
 
         // 延迟分账未确认调撤销调撤销接口退款
         PaymentReverseOperation operation = new PaymentReverseOperation();
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 b38905346..342ad067b 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
@@ -2063,6 +2063,9 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
         // 订单信息
         OrderBasicInfo orderBasicInfo = afterSettleOrderDTO.getOrderBasicInfo();
 
+        // 保险金额（有默认值 0.00）
+        BigDecimal insuranceAmount = orderBasicInfo.getInsuranceAmount();
+
         // 订单是否需要分账, 结算金额必须大于0
         if (orderSettleAmount == null || orderSettleAmount.compareTo(BigDecimal.ZERO) <= 0) {
             logger.info("realTimeOrderSplit-订单[{}]结算金额[{}]必须大于0", afterSettleOrderDTO.getOrderCode(), orderSettleAmount);
@@ -2104,7 +2107,7 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
         PaymentConfirmParam param = PaymentConfirmParam.builder()
                 .paymentId(paymentId)
                 .divMemberList(divMemberList)
-                .confirmAmt(orderSettleAmount)
+                .confirmAmt(orderSettleAmount.add(insuranceAmount)) // 订单结算金额 + 保险金额
                 .orderCode(orderCode)
                 .wechatAppId(appId)
                 .build();