diff --git a/src/main/java/com/budwk/app/zhgh/staffbenefit/medicalMutualAid/medical/service/impl/MedicalApplyServiceImpl.java b/src/main/java/com/budwk/app/zhgh/staffbenefit/medicalMutualAid/medical/service/impl/MedicalApplyServiceImpl.java
index db5256b0..8a71c1c9 100644
--- a/src/main/java/com/budwk/app/zhgh/staffbenefit/medicalMutualAid/medical/service/impl/MedicalApplyServiceImpl.java
+++ b/src/main/java/com/budwk/app/zhgh/staffbenefit/medicalMutualAid/medical/service/impl/MedicalApplyServiceImpl.java
@@ -99,9 +99,8 @@ public class MedicalApplyServiceImpl extends BaseServiceImpl<MedicalApply> imple
                     .reduce(BigDecimal.ZERO, BigDecimal::add);
             map.put("bxyMoney$", bxyMoney$);
 
-            map.put("totalMoney", hospitalSumMoney$
-                    .add(reimbursementMoney$)
-                    .add(singleBearMoney$)
+            // 合计金额只统计个人实际承担的费用，住院总额和已报销金额不重复计入。
+            map.put("totalMoney", singleBearMoney$
                     .add(personExpenseMoney$)
                     .add(outpatientServiceMoney$)
                     .add(bxyMoney$));
@@ -237,10 +236,10 @@ public class MedicalApplyServiceImpl extends BaseServiceImpl<MedicalApply> imple
         boolean fullFifYears = DateUtil.thisYear() - Integer.parseInt(user.getAidFundDeductTime()) >= 15;
 
 
-        // 连续缴满15年 或者是 连续缴满10年
-        if (fullFifYears) {
+        // 年限加成仅适用于首次申请；历史已完成申请记录已排除本次申请。
+        if (applyRecords.isEmpty() && fullFifYears) {
             ratio += medicalSetting.getFifteenYearNeverAddSubsidyRatio();
-        } else if (fullTenYears) {
+        } else if (applyRecords.isEmpty() && fullTenYears) {
             ratio += medicalSetting.getTenYearNeverAddSubsidyRatio();
         }
 
@@ -261,15 +260,17 @@ public class MedicalApplyServiceImpl extends BaseServiceImpl<MedicalApply> imple
             //如果是重大疾病
             allMedicalMoney = personExpenseMoney.add(singleBearMoney).add(outpatientServiceMoney).add(bxyMoney);
         } else {
-            //个人承担费用
-            singleBearMoney = costs.stream()
+            // 普通疾病以每次住院的个人承担金额是否达到一万元为准，达标记录的自费金额一并计入。
+            List<MedicalApplyCost> eligibleCosts = costs.stream()
+                    .filter(cost -> cost.getSingleBearMoney() != null
+                            && cost.getSingleBearMoney().compareTo(BigDecimal.valueOf(10000)) >= 0)
+                    .toList();
+            singleBearMoney = eligibleCosts.stream()
                     .map(MedicalApplyCost::getSingleBearMoney)
-                    .filter(amount -> amount.compareTo(BigDecimal.valueOf(10000)) >= 0) // >= 10000
                     .reduce(BigDecimal.ZERO, BigDecimal::add);
-            //自费
-            personExpenseMoney = costs.stream()
+            personExpenseMoney = eligibleCosts.stream()
                     .map(MedicalApplyCost::getPersonExpenseMoney)
-                    .filter(amount -> amount.compareTo(BigDecimal.valueOf(10000)) >= 0) // >= 10000
+                    .filter(Objects::nonNull)
                     .reduce(BigDecimal.ZERO, BigDecimal::add);
             allMedicalMoney = personExpenseMoney.add(singleBearMoney).add(outpatientServiceMoney).add(bxyMoney);
         }