diff --git a/weixin-java-miniapp/src/main/java/cn/binarywang/wx/miniapp/bean/express/request/WxMaExpressOrderInsured.java b/weixin-java-miniapp/src/main/java/cn/binarywang/wx/miniapp/bean/express/request/WxMaExpressOrderInsured.java
index d7ccda9ae..074b65382 100644
--- a/weixin-java-miniapp/src/main/java/cn/binarywang/wx/miniapp/bean/express/request/WxMaExpressOrderInsured.java
+++ b/weixin-java-miniapp/src/main/java/cn/binarywang/wx/miniapp/bean/express/request/WxMaExpressOrderInsured.java
@@ -30,7 +30,8 @@ public class WxMaExpressOrderInsured implements Serializable {
    * </pre>
    */
   @SerializedName("use_insured")
-  private final Integer useInsured = WxMaConstants.OrderAddInsured.INSURED_PROGRAM;
+  @Builder.Default
+  private Integer useInsured = WxMaConstants.OrderAddInsured.INSURED_PROGRAM;
 
   /**
    * 保价金额
@@ -41,6 +42,6 @@ public class WxMaExpressOrderInsured implements Serializable {
    */
   @SerializedName("insured_value")
   @Builder.Default
-  private final Integer insuredValue = WxMaConstants.OrderAddInsured.DEFAULT_INSURED_VALUE;
+  private Integer insuredValue = WxMaConstants.OrderAddInsured.DEFAULT_INSURED_VALUE;
 
 }
diff --git a/weixin-java-miniapp/src/test/java/cn/binarywang/wx/miniapp/bean/express/request/WxMaExpressOrderInsuredTest.java b/weixin-java-miniapp/src/test/java/cn/binarywang/wx/miniapp/bean/express/request/WxMaExpressOrderInsuredTest.java
new file mode 100644
index 000000000..f30839814
--- /dev/null
+++ b/weixin-java-miniapp/src/test/java/cn/binarywang/wx/miniapp/bean/express/request/WxMaExpressOrderInsuredTest.java
@@ -0,0 +1,56 @@
+package cn.binarywang.wx.miniapp.bean.express.request;
+
+import cn.binarywang.wx.miniapp.constant.WxMaConstants;
+import cn.binarywang.wx.miniapp.json.WxMaGsonBuilder;
+import org.testng.annotations.Test;
+
+import static org.testng.Assert.assertEquals;
+import static org.testng.Assert.assertTrue;
+
+public class WxMaExpressOrderInsuredTest {
+
+  @Test
+  public void testDefaultValueWithNoArgsConstructor() {
+    WxMaExpressOrderInsured insured = new WxMaExpressOrderInsured();
+
+    assertEquals(insured.getUseInsured(), Integer.valueOf(WxMaConstants.OrderAddInsured.INSURED_PROGRAM));
+    assertEquals(insured.getInsuredValue(), Integer.valueOf(WxMaConstants.OrderAddInsured.DEFAULT_INSURED_VALUE));
+  }
+
+  @Test
+  public void testCanModifyInsuredConfigBySetter() {
+    WxMaExpressOrderInsured insured = new WxMaExpressOrderInsured();
+    insured.setUseInsured(WxMaConstants.OrderAddInsured.USE_INSURED);
+    insured.setInsuredValue(10000);
+
+    assertEquals(insured.getUseInsured(), Integer.valueOf(WxMaConstants.OrderAddInsured.USE_INSURED));
+    assertEquals(insured.getInsuredValue(), Integer.valueOf(10000));
+  }
+
+  @Test
+  public void testBuilderSupportsCustomInsuredConfig() {
+    WxMaExpressOrderInsured insured = WxMaExpressOrderInsured.builder()
+      .useInsured(WxMaConstants.OrderAddInsured.USE_INSURED)
+      .insuredValue(5000)
+      .build();
+
+    assertEquals(insured.getUseInsured(), Integer.valueOf(WxMaConstants.OrderAddInsured.USE_INSURED));
+    assertEquals(insured.getInsuredValue(), Integer.valueOf(5000));
+
+    String json = WxMaGsonBuilder.create().toJson(insured);
+    assertTrue(json.contains("\"use_insured\":1"));
+    assertTrue(json.contains("\"insured_value\":5000"));
+  }
+
+  @Test
+  public void testBuilderDefaultsWhenNoFieldSet() {
+    WxMaExpressOrderInsured insured = WxMaExpressOrderInsured.builder().build();
+
+    assertEquals(insured.getUseInsured(), Integer.valueOf(WxMaConstants.OrderAddInsured.INSURED_PROGRAM));
+    assertEquals(insured.getInsuredValue(), Integer.valueOf(WxMaConstants.OrderAddInsured.DEFAULT_INSURED_VALUE));
+
+    String json = WxMaGsonBuilder.create().toJson(insured);
+    assertTrue(json.contains("\"use_insured\":0"));
+    assertTrue(json.contains("\"insured_value\":0"));
+  }
+}