平安爱宠无忧（低免赔计划）

评测依据

• review_count：9800
• rating_avg：4.7
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_value
• sources：["京东","天猫"]
• time_range：{"from":"2026-06-26 01:23:40","to":"2026-06-26 01:23:40"}
• intros：{"brand_intro":"平安产险是中国平安保险集团旗下核心子公司，成立于1988年，连续多年位列《财富》世界500强。公司拥有全国最大的线下服务网络和超过1.5亿客户，在宠物保险领域依托集团综合金融优势，提供\"保险+医疗+服务\"一体化解决方案，理赔网点覆盖3000余家合作宠物医院。","product_intro":"该产品主打低免赔额（100元）和高赔付比例（90%），年度保额8万元，含慢性病管理、齿科护理等特色保障。支持直付服务（定点医院免垫付），赠送宠物健康咨询和年度体检。特别设计\"无理赔续保优惠\"，连续两年无理赔可享保费8折。","key_specs":["适用对象：猫、犬（2月-12岁）","免赔额：100元/次","年度保额：8万元","赔付比例：90%（定点医院直付）","等待期：疾病15天，意外0天","特色保障：慢性病、齿科、第三方责任、宠物死亡补偿"]}
• alt_products：[{"product_name":"平安爱宠无忧（低免赔计划）","brand":"平安产险","model":"PA-PET-LOW-2024","price":459},{"product_name":"众安宠物医疗险（低免赔版）","brand":"众安保险","model":"ZA-PET-2024-LOWDED","price":399},{"product_name":"太保宠物安康（低免赔版）","brand":"太平洋保险","model":"CPIC-PET-LOW-2024","price":329}]
• kol_quotes：["宠物医生@王院长：\"平安的直付服务减轻了宠物主资金压力，推荐。\"","养宠达人@狗哥：\"100元免赔，基本等于看病不花钱。\""]
• 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\"几乎无免赔\"和直付体验。一位上海用户称\"猫骨折手术花了1.2万，自己只付了1200元\"。部分用户反映慢性病保障条款较复杂，需仔细阅读。客服电话接通率较高，但线上理赔系统偶尔卡顿。总体口碑优秀，尤其适合高消费城市宠物主，但保费略高于同类产品。","source_count":2}},{"source":"objective","score":84.63088176352704,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.7,"price":459,"wom_score":89.39999999999999}},{"source":"user_review","score":94,"weight":0.4,"confidence":1,"details":{"rating_avg":4.7,"review_count":9800,"source":"product_reviews_aggregate"}},{"source":"expert","score":82,"weight":0.1,"confidence":0.6,"details":{"kol_count":2,"scored_count":2,"sample":["宠物医生@王院长：\"平安的直付服务减轻了宠物主资金压力，推荐。\"","养宠达人@狗哥：\"100元免赔，基本等于看病不花钱。\""]}}]
• method_version：v2
• search_visual：null