diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/domain/OrderInsuranceInfo.java b/jsowell-pile/src/main/java/com/jsowell/pile/domain/OrderInsuranceInfo.java
index 784375354..988ada1b9 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/domain/OrderInsuranceInfo.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/domain/OrderInsuranceInfo.java
@@ -4,6 +4,7 @@ import java.math.BigDecimal;
 
 import com.jsowell.common.annotation.Excel;
 import com.jsowell.common.core.domain.BaseEntity;
+import lombok.*;
 import org.apache.commons.lang3.builder.ToStringBuilder;
 import org.apache.commons.lang3.builder.ToStringStyle;
 
@@ -13,6 +14,11 @@ import org.apache.commons.lang3.builder.ToStringStyle;
  * @author jsowell
  * @date 2025-09-05
  */
+@Setter
+@Getter
+@NoArgsConstructor
+@AllArgsConstructor
+@Builder
 public class OrderInsuranceInfo extends BaseEntity {
     private static final long serialVersionUID = 1L;
 
@@ -39,51 +45,17 @@ public class OrderInsuranceInfo extends BaseEntity {
     @Excel(name = "保险支付金额")
     private BigDecimal tradeAmount;
 
+    /**
+     * 退款状态（0-否；1-是）
+     */
+    @Excel(name = "退款状态")
+    private String refundStatus;
+
     /**
      * 删除标识（0-否；1-是）
      */
     private String delFlag;
 
-    public void setId(Long id) {
-        this.id = id;
-    }
-
-    public Long getId() {
-        return id;
-    }
-
-    public void setInsuranceTransactionCode(String insuranceTransactionCode) {
-        this.insuranceTransactionCode = insuranceTransactionCode;
-    }
-
-    public String getInsuranceTransactionCode() {
-        return insuranceTransactionCode;
-    }
-
-    public void setOrderCode(String orderCode) {
-        this.orderCode = orderCode;
-    }
-
-    public String getOrderCode() {
-        return orderCode;
-    }
-
-    public void setTradeAmount(BigDecimal tradeAmount) {
-        this.tradeAmount = tradeAmount;
-    }
-
-    public BigDecimal getTradeAmount() {
-        return tradeAmount;
-    }
-
-    public void setDelFlag(String delFlag) {
-        this.delFlag = delFlag;
-    }
-
-    public String getDelFlag() {
-        return delFlag;
-    }
-
     @Override
     public String toString() {
         return new ToStringBuilder(this, ToStringStyle.JSON_STYLE)
@@ -91,6 +63,7 @@ public class OrderInsuranceInfo extends BaseEntity {
                 .append("insuranceTransactionCode", getInsuranceTransactionCode())
                 .append("orderCode", getOrderCode())
                 .append("tradeAmount", getTradeAmount())
+                .append("refundStatus", getRefundStatus())
                 .append("createTime", getCreateTime())
                 .append("createBy", getCreateBy())
                 .append("updateTime", getUpdateTime())
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 c7af105d9..c654f0d37 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
@@ -188,6 +188,9 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
     @Autowired
     private MemberAdapayRecordService memberAdapayRecordService;
 
+    @Autowired
+    private IOrderInsuranceInfoService orderInsuranceInfoService;
+
     @Autowired
     private ClearingBillInfoService clearingBillInfoService;
 
@@ -869,6 +872,10 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
             // 白名单支付或者ETC支付
             logger.debug("订单:{}使用:{}，不退保险费", orderBasicInfo.getOrderCode(), OrderPayModeEnum.getPayModeDescription(payMode));
         }
+        // 修改保险订单表的退款状态
+        OrderInsuranceInfo insuranceInfo = orderInsuranceInfoService.getInsuranceInfoByOrderCode(orderBasicInfo.getOrderCode());
+        insuranceInfo.setRefundStatus(Constants.ONE);
+        orderInsuranceInfoService.updateOrderInsuranceInfo(insuranceInfo);
     }
 
     /**
@@ -2651,15 +2658,24 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
             return resultList;
         }
 
-        // 如果保险金额大于0，新增一条分账信息
+        // 如果保险金额大于0，并且没有退款，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()));
-            insuranceSplit.setFeeFlag(Constants.N);
-            insuranceSplit.setElecAmount(BigDecimal.ZERO);
-            insuranceSplit.setServiceAmount(BigDecimal.ZERO);
-            resultList.add(insuranceSplit);
+            // 查询该订单的保险退款信息
+            OrderInsuranceInfo insuranceInfo = orderInsuranceInfoService.getInsuranceInfoByOrderCode(orderCode);
+            if (insuranceInfo != null) {
+                String refundStatus = insuranceInfo.getRefundStatus();
+                if (Constants.ZERO.equals(refundStatus)) {
+                    // 退款状态为0，未退款
+                    SplitData insuranceSplit = new SplitData();
+                    insuranceSplit.setMemberId(Constants.ZERO);
+                    insuranceSplit.setAmount(String.valueOf(orderBasicInfo.getInsuranceAmount()));
+                    insuranceSplit.setFeeFlag(Constants.N);
+                    insuranceSplit.setElecAmount(BigDecimal.ZERO);
+                    insuranceSplit.setServiceAmount(BigDecimal.ZERO);
+
+                    resultList.add(insuranceSplit);
+                }
+            }
         }
 
         // 下面进行根据adapayMemberId进行金额累加
@@ -5244,10 +5260,22 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
                 .settleAmount(BigDecimal.ZERO)
                 .startType(dto.getStartType())
                 .build();
-        if (dto.getInsuranceAmount() != null) {
-            if (dto.getInsuranceAmount().compareTo(BigDecimal.ZERO) > 0) {
-                orderBasicInfo.setInsuranceAmount(dto.getInsuranceAmount());
-            }
+        // 保险金额不为 null 并且 > 0
+        if (dto.getInsuranceAmount() != null && dto.getInsuranceAmount().compareTo(BigDecimal.ZERO) > 0) {
+            orderBasicInfo.setInsuranceAmount(dto.getInsuranceAmount());
+            CompletableFuture.runAsync(() -> {
+                try {
+                    // 异步创建保险订单，将信息插入保险订单表
+                    OrderInsuranceInfo insuranceInfo = OrderInsuranceInfo.builder()
+                            .orderCode(orderCode)
+                            .tradeAmount(dto.getInsuranceAmount())
+                            .refundStatus(Constants.ZERO)
+                            .build();
+                    orderInsuranceInfoService.insertOrderInsuranceInfo(insuranceInfo);
+                } catch (Exception e) {
+                    logger.error("异步创建保险订单 error", e);
+                }
+            }, executor);
         }
         if (StringUtils.equals(OrderTypeEnum.MERGE_CHARGE_ORDER.getValue(), dto.getOrderType())) {
             // 并充订单
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderInsuranceInfoServiceImpl.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderInsuranceInfoServiceImpl.java
index b5a00d71d..fae51b35d 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderInsuranceInfoServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/OrderInsuranceInfoServiceImpl.java
@@ -62,7 +62,7 @@ public class OrderInsuranceInfoServiceImpl implements IOrderInsuranceInfoService
      */
     @Override
     public int updateOrderInsuranceInfo(OrderInsuranceInfo orderInsuranceInfo) {
-        orderInsuranceInfo.setUpdateTime(DateUtils.getNowDate());
+        // orderInsuranceInfo.setUpdateTime(DateUtils.getNowDate());
         return orderInsuranceInfoMapper.updateOrderInsuranceInfo(orderInsuranceInfo);
     }
 
diff --git a/jsowell-pile/src/main/resources/mapper/pile/OrderInsuranceInfoMapper.xml b/jsowell-pile/src/main/resources/mapper/pile/OrderInsuranceInfoMapper.xml
index 7c49fe255..21ff15abe 100644
--- a/jsowell-pile/src/main/resources/mapper/pile/OrderInsuranceInfoMapper.xml
+++ b/jsowell-pile/src/main/resources/mapper/pile/OrderInsuranceInfoMapper.xml
@@ -9,6 +9,7 @@
         <result property="insuranceTransactionCode"    column="insurance_transaction_code"    />
         <result property="orderCode"    column="order_code"    />
         <result property="tradeAmount"    column="trade_amount"    />
+        <result property="refundStatus" column="refund_status"/>
         <result property="createTime"    column="create_time"    />
         <result property="createBy"    column="create_by"    />
         <result property="updateTime"    column="update_time"    />
@@ -17,12 +18,12 @@
     </resultMap>
 
     <sql id="selectOrderInsuranceInfoVo">
-        select id, insurance_transaction_code, order_code, trade_amount, create_time, create_by, update_time, update_by, del_flag from order_insurance_info
+        select id, insurance_transaction_code, order_code, trade_amount, refund_status, create_time, create_by, update_time, update_by, del_flag from order_insurance_info
     </sql>
 
     <sql id="Base_Column_List">
         <!--@mbg.generated-->
-        id, insurance_transaction_code, order_code, trade_amount, create_time, create_by, update_time, update_by, del_flag
+        id, insurance_transaction_code, order_code, trade_amount, trade_amount, create_time, create_by, update_time, update_by, del_flag
     </sql>
 
     <select id="selectOrderInsuranceInfoList" parameterType="com.jsowell.pile.domain.OrderInsuranceInfo" resultMap="OrderInsuranceInfoResult">
@@ -45,6 +46,7 @@
             <if test="insuranceTransactionCode != null">insurance_transaction_code,</if>
             <if test="orderCode != null">order_code,</if>
             <if test="tradeAmount != null">trade_amount,</if>
+            <if test="refundStatus != null">refund_status</if>
             <if test="createTime != null">create_time,</if>
             <if test="createBy != null">create_by,</if>
             <if test="updateTime != null">update_time,</if>
@@ -55,6 +57,7 @@
             <if test="insuranceTransactionCode != null">#{insuranceTransactionCode},</if>
             <if test="orderCode != null">#{orderCode},</if>
             <if test="tradeAmount != null">#{tradeAmount},</if>
+            <if test="refundStatus != null">#{refundStatus},</if>
             <if test="createTime != null">#{createTime},</if>
             <if test="createBy != null">#{createBy},</if>
             <if test="updateTime != null">#{updateTime},</if>
@@ -69,6 +72,7 @@
             <if test="insuranceTransactionCode != null">insurance_transaction_code = #{insuranceTransactionCode},</if>
             <if test="orderCode != null">order_code = #{orderCode},</if>
             <if test="tradeAmount != null">trade_amount = #{tradeAmount},</if>
+            <if test="refundStatus != null">refund_status = #{refundStatus},</if>
             <if test="createTime != null">create_time = #{createTime},</if>
             <if test="createBy != null">create_by = #{createBy},</if>
             <if test="updateTime != null">update_time = #{updateTime},</if>