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 b25ce0532..98155fc1a 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
@@ -1984,6 +1984,11 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
             }
         }
 
+        // 判断订单是否购买保险
+        if (orderBasicInfo.getInsuranceAmount().compareTo(BigDecimal.ZERO) > 0) {
+            // 如果购买保险，则退款金额需要再减去保险金额
+            orderRefundAmount = orderRefundAmount.subtract(orderBasicInfo.getInsuranceAmount());
+        }
         // 校验通过，将退款金额重新set（为了避免数据库的退款金额没有及时更新）
         orderBasicInfo.setRefundAmount(orderRefundAmount);
         afterSettleOrderDTO.setOrderBasicInfo(orderBasicInfo);