fix: 按实际纯币结算金额计算保险费用

backend/internal/modules/systemconfig/normalize.go

@@ -9,6 +9,21 @@ import (
 const defaultBannerHotspotHoverScale = 1.06
 const maxBannerHotspotHoverScale = 1.5
 
+func migrateInsuranceBillingCopy(value string) string {
+	value = strings.Replace(
+		value,
+		"注:选择此方案，需额外抽取订单佣金的8.0%作为服务费:押金须达到推荐押金方可购买。",
+		"无忧保险服务费按实际纯币结算金额计算，额外物品不计入计费基数；具体费率以当前配置为准。押金须达到推荐押金方可购买。",
+		1,
+	)
+	return strings.Replace(
+		value,
+		"并从卖家实际到手租金中扣除。",
+		"并按实际纯币结算金额计算，额外物品不计入保险基数。",
+		1,
+	)
+}
+
 func normalizeAnnouncements(items []string) []string {
 	normalized := make([]string, 0, len(items))
 	for _, item := range items {
@@ -236,9 +251,15 @@ func normalizePublishOptions(options *PublishOptionsDTO) {
 	}
 	if options.PriceConfig.PremiumZoneTooltip == "" {
 		options.PriceConfig.PremiumZoneTooltip = defaults.PriceConfig.PremiumZoneTooltip
+	} else {
+		options.PriceConfig.PremiumZoneTooltip =
+			migrateInsuranceBillingCopy(options.PriceConfig.PremiumZoneTooltip)
 	}
 	if options.PriceConfig.CompensationNote == "" {
 		options.PriceConfig.CompensationNote = defaults.PriceConfig.CompensationNote
+	} else {
+		options.PriceConfig.CompensationNote =
+			migrateInsuranceBillingCopy(options.PriceConfig.CompensationNote)
 	}
 	if options.PriceConfig.PricePlaceholder == "" {
 		options.PriceConfig.PricePlaceholder = defaults.PriceConfig.PricePlaceholder