众安宠物医疗险（尊享定制版）

评测依据

• review_count：22000
• rating_avg：4.7
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_value
• sources：["DeepSeek"]
• time_range：{"from":"2026-06-26 01:23:41","to":"2026-06-26 01:23:41"}
• intros：{"brand_intro":"众安在线财产保险股份有限公司是中国首家互联网保险公司，由蚂蚁金服、腾讯、中国平安等联合发起成立，2013年开业。公司专注于数字化保险创新，宠物险业务依托支付宝生态快速崛起，以\"碎片化、场景化、定制化\"为特色，拥有超1.5亿用户，理赔系统实现全流程线上化。","product_intro":"本产品提供三档定制计划（基础/升级/尊享），覆盖意外、疾病、手术及第三方责任。尊享版含齿科护理、体检折扣及宠物行为咨询增值服务。年度保额最高10万元，单次事故免赔额100元起，支持全国超1.2万家合作医院直付。特色服务包括\"宠物健康管家\"AI问诊和疫苗提醒，理赔材料简化至3项。","key_specs":{"对象":"猫/狗（2个月-10岁）","保额范围":"3万-10万元","免赔额":"100/300元可选","保障范围":"意外、疾病、手术、齿科、第三方责任","合作医院":"全国12000+定点医院","增值服务":"AI问诊、体检折扣、疫苗提醒"}}
• alt_products：[{"product_name":"众安宠物医疗险（尊享定制版）","brand":"众安保险","model":"ZA-PET-PRO-2024","price":599},{"product_name":"平安宠物医疗保险（定制版）","brand":"平安产险","model":"PA-PET-2024-CUSTOM","price":399},{"product_name":"大地宠物医疗险（定制优选版）","brand":"大地保险","model":"CCIC-PET-2024-PREMIUM","price":459}]
• kol_quotes：["@宠物博主阿福：众安的尊享版是我见过最全的，连洗牙都管。","@兽医陈医生：AI问诊能帮主人做初步判断，减少误诊风险。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":89.39999999999999,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户高度评价其增值服务和医院覆盖广度，称\"AI问诊很实用，小问题不用跑医院\"。理赔速度普遍满意，多数案例3天内结案。部分用户认为价格略高于同类，但认可尊享版含齿科护理的差异化价值。在支付宝平台评分4.8，复购率超60%，口碑集中在\"省心、全面\"。","source_count":0}},{"source":"objective","score":76.21404809619237,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.7,"price":599,"wom_score":89.39999999999999}},{"source":"user_review","score":94,"weight":0.4,"confidence":1,"details":{"rating_avg":4.7,"review_count":22000,"source":"product_reviews_aggregate"}},{"source":"expert","score":80.80000000000001,"weight":0.1,"confidence":0.6,"details":{"kol_count":2,"scored_count":2,"matched_count":2,"base_score":82,"weighted_score":80,"sample":["@宠物博主阿福：众安的尊享版是我见过最全的，连洗牙都管。","@兽医陈医生：AI问诊能帮主人做初步判断，减少误诊风险。"]}}]
• method_version：v3
• search_visual：null