diff --git a/src/views/ebiz/cardList/Pay.vue b/src/views/ebiz/cardList/Pay.vue
index 2840d09a1..f317552e6 100644
--- a/src/views/ebiz/cardList/Pay.vue
+++ b/src/views/ebiz/cardList/Pay.vue
@@ -773,13 +773,6 @@ export default {
         }
         // })
       } else {
-        this.$toast.loading({
-          duration: 0, // 持续展示 toast
-          forbidClick: true, // 禁用背景点击
-          loadingType: 'spinner',
-          message: '加载中……'
-        })
-
         // if (!flag) {
         //   let rs = await this.underWrite()
 
@@ -800,6 +793,12 @@ export default {
           message: `2023年9月1日起生效的惠桂保保单，不能参保的5类既往症中增加了“神经性耳聋”，敬请注意！`,
         })
         .then(() => {
+          this.$toast.loading({
+            duration: 0, // 持续展示 toast
+            forbidClick: true, // 禁用背景点击
+            loadingType: 'spinner',
+            message: '加载中……'
+          })
           this.acceptInsurance()
         })
         .catch(() => {