diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/DelayMerchantProgramLogic.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/DelayMerchantProgramLogic.java
index 3634cab4f..c64c7b1df 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/DelayMerchantProgramLogic.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/programlogic/DelayMerchantProgramLogic.java
@@ -1100,8 +1100,8 @@ public class DelayMerchantProgramLogic extends AbstractProgramLogic {
                 .build();
         memberBasicInfoService.updateMemberBalance(updateMemberBalanceDTO);
 
-        // 判断消费金额，如果消费金额小于 1 元，则将保险费也进行退回
-        if (orderBasicInfo.getOrderAmount().compareTo(BigDecimal.ONE) < 0) {
+        // 判断消费金额，如果消费金额 - 折扣金额小于 1 元，则将保险费也进行退回
+        if (orderBasicInfo.getOrderAmount().subtract(orderBasicInfo.getDiscountAmount()).compareTo(BigDecimal.ONE) < 0) {
             orderBasicInfoService.refundInsurance(orderBasicInfo);
         }
 
@@ -1152,8 +1152,8 @@ public class DelayMerchantProgramLogic extends AbstractProgramLogic {
         }
         this.refundOrderWithAdapay(applyRefundDTO);
 
-        // 判断消费金额，如果消费金额小于 1 元，则将保险费也进行退回
-        if (orderBasicInfo.getOrderAmount().compareTo(BigDecimal.ONE) < 0) {
+        // 判断消费金额，如果消费金额 - 折扣金额小于 1 元，则将保险费也进行退回
+        if (orderBasicInfo.getOrderAmount().subtract(orderBasicInfo.getDiscountAmount()).compareTo(BigDecimal.ONE) < 0) {
             orderBasicInfoService.refundInsurance(orderBasicInfo);
         }