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+# 保险保障区域：按保单合并展示，不要按被保人拆卡片
+
+**日期**: 2026-03-23
+**页面**: 订单详情 → 保险保障
+**类型**: 前端 BUG
+
+---
+
+## 问题
+
+当前每个被保人显示为一个独立的保单卡片。2个保险方案 × 2个被保人 = 4张卡片，实际应该只有2张。
+
+## 正确的展示
+
+每个**保单**（`InsuranceOrderDetailVO`）显示为一张卡片，卡片内列出所有被保人。
+
+后端返回的数据结构：
+```json
+[
+  {
+    "insuranceOrderId": 123,
+    "productName": "保游未来星研学旅行保险",
+    "planName": "30万计划",
+    "totalPremium": 2,
+    "startDate": "2026-03-26",
+    "endDate": "2026-03-28",
+    "status": "INSURED",
+    "insuredPersons": [
+      { "name": "王五", "idCardNo": "6230****9779" },
+      { "name": "王骁", "idCardNo": "1521****5216" }
+    ]
+  },
+  {
+    "insuranceOrderId": 456,
+    "productName": "保游未来星研学旅行保险",
+    "planName": "20万计划",
+    "totalPremium": 1.5,
+    "startDate": "2026-03-23",
+    "endDate": "2026-03-25",
+    "status": "INSURED",
+    "insuredPersons": [
+      { "name": "王五", "idCardNo": "6230****9779" },
+      { "name": "王骁", "idCardNo": "1521****5216" }
+    ]
+  }
+]
+```
+
+## 修复
+
+遍历保险列表时，以 `insuranceOrderId` 为维度渲染卡片，每张卡片内用 `v-for` 遍历 `insuredPersons` 列出所有被保人。
+
+**不要**以被保人为维度遍历渲染卡片。