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 debabc431..3634cab4f 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
@@ -1100,6 +1100,11 @@ 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) {
+            orderBasicInfoService.refundInsurance(orderBasicInfo);
+        }
+
         // 更新order_pay_record, 解冻部分
         // List<Map<String, Object>> list = calculateUnfreezeAmount(orderAmount, payRecordList);
         // for (Map<String, Object> map : list) {
@@ -1146,6 +1151,12 @@ public class DelayMerchantProgramLogic extends AbstractProgramLogic {
             applyRefundDTO.setWechatAppId(wechatAppId);
         }
         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) {
+            orderBasicInfoService.refundInsurance(orderBasicInfo);
+        }
+
     }
 
     /**