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 a4e743c9a..a74609c88 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
@@ -1137,7 +1137,10 @@ public class OrderBasicInfoServiceImpl implements OrderBasicInfoService {
                         .reason("订单支付明细与会员钱包出账金额不一致")
                         .build();
             }
-            if (!baseFieldsReady || !samePaymentAmount(orderBasicInfo.getPayAmount(), payRecordAmount)) {
+            // 订单支付金额 = 充电金额 + 保险金额
+            BigDecimal orderPayAmount = orderBasicInfo.getPayAmount()
+                    .add(orderBasicInfo.getInsuranceAmount() == null ? BigDecimal.ZERO : orderBasicInfo.getInsuranceAmount());
+            if (!baseFieldsReady || !samePaymentAmount(orderPayAmount, payRecordAmount)) {
                 return OrderPaymentCheckResult.builder()
                         .checkCompleted(true)
                         .paymentEvidenceFound(true)