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 b6950c2ca..2abdd860e 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
@@ -1106,7 +1106,7 @@ public class DelayMerchantProgramLogic extends AbstractProgramLogic {
             boolean checkResult = orderBasicInfoService.checkRefundInsuranceAmount(orderBasicInfo);
             if (checkResult) {
                 // 退保险, 计算退保金额
-                Map<String, BigDecimal> refundMap = calculateBalanceRefund(principalPay, giftPay, orderBasicInfo.getOrderAmount(), orderBasicInfo.getDiscountAmount(), insuranceAmount);
+                Map<String, BigDecimal> refundMap = calculateBalanceRefund(principalPay, giftPay, orderBasicInfo.getOrderAmount(), orderBasicInfo.getDiscountAmount(), orderBasicInfo.getInsuranceAmount());
                 BigDecimal returnPrincipalForInsurance = refundMap.get("returnPrincipalForInsurance");
                 BigDecimal returnGiftForInsurance = refundMap.get("returnGiftForInsurance");