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 4f058958f..e835a7243 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
@@ -1103,17 +1103,22 @@ public class DelayMerchantProgramLogic extends AbstractProgramLogic {
 
         // 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);
             // 判断是否需要退保险费用
             boolean checkResult = orderBasicInfoService.checkRefundInsuranceAmount(orderBasicInfo);
             if (checkResult) {
-                // 退保险, 计算退保金额
+                // 退保险, 使用 calculateBalanceRefund 重新计算完整的退款金额（电费退款+保险费退款）
+                // 注意：不能在 calculateReturnAmount 的基础上叠加保险费，因为 calculateReturnAmount 不感知保险费，
+                // 算出的退款金额中已包含保险费部分，叠加会导致保险费被重复退还
                 Map<String, BigDecimal> refundMap = calculateBalanceRefund(principalPay, giftPay, orderBasicInfo.getOrderAmount(), orderBasicInfo.getDiscountAmount(), orderBasicInfo.getInsuranceAmount());
+                BigDecimal refundPrincipal = refundMap.get("returnPrincipal");
+                BigDecimal refundGift = refundMap.get("returnGift");
                 BigDecimal returnPrincipalForInsurance = refundMap.get("returnPrincipalForInsurance");
                 BigDecimal returnGiftForInsurance = refundMap.get("returnGiftForInsurance");
+                refundPrincipal = refundPrincipal == null ? BigDecimal.ZERO : refundPrincipal;
+                refundGift = refundGift == null ? BigDecimal.ZERO : refundGift;
 
-                updateMemberBalanceDTO.setUpdatePrincipalBalance(returnPrincipal.add(returnPrincipalForInsurance));
-                updateMemberBalanceDTO.setUpdateGiftBalance(returnGift.add(returnGiftForInsurance));
+                updateMemberBalanceDTO.setUpdatePrincipalBalance(refundPrincipal.add(returnPrincipalForInsurance));
+                updateMemberBalanceDTO.setUpdateGiftBalance(refundGift.add(returnGiftForInsurance));
             }
         }
         // 统一退款