众安宠物重症监护医疗险（尊享版）

评测依据

• review_count：9500
• rating_avg：4.6
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_value
• sources：["京东","众安保险官网","小红书","什么值得买"]
• time_range：{"from":"2026-06-25 11:42:02","to":"2026-06-25 11:42:02"}
• intros：{"brand_intro":"众安在线财产保险股份有限公司，成立于2013年，是中国首家互联网保险公司，由蚂蚁集团、腾讯、中国平安等联合发起。2023年宠物险保费收入超10亿元，市场份额第一。众安以\"科技驱动普惠保险\"为使命，拥有自研的\"宠物健康大数据模型\"，可动态调整保费。创始人欧亚平提出\"让每一只宠物都有尊严地老去\"的理念。品控上采用区块链存证理赔记录，杜绝骗保。","product_intro":"该产品定位中高端重症监护，保额3万元，覆盖重症监护室费用、急救转运费、器官移植等。核心卖点是\"免健康告知\"（仅除外既往症）和\"月付制\"，降低用户门槛。适用场景为宠物突发重症需24小时监护。相比竞品，众安提供\"宠物医生视频问诊\"增值服务，且理赔后第二年不拒保。","key_specs":{"保额":"3万元/年，含ICU床位费、呼吸机、监护仪","免赔额":"200元/次","赔付比例":"70%（定点医院80%）","等待期":"15天（意外无等待）","适用年龄":"3个月-10岁","特色服务":"免费视频问诊、重症转运车补贴"}}
• alt_products：[{"product_name":"众安宠物重症监护医疗险（尊享版）","brand":"众安保险","model":"ZA-PET-ICU-2024","price":759},{"product_name":"大地宠物重症监护保（基础版）","brand":"大地保险","model":"DD-PET-CI-2024","price":499}]
• kol_quotes：[]
• scoring_breakdown：[{"source":"word_of_mouth","score":83.5,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"小红书和知乎用户评价两极分化。正面：价格亲民、投保便捷、视频问诊实用。负面：赔付比例偏低、非定点医院报销流程繁琐。专业评测指出，该产品适合预算有限的年轻宠物主，但重症保额在大型犬（如金毛）的ICU费用前可能不足。","source_count":4}},{"source":"objective","score":63.829809619238475,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.6,"price":759,"wom_score":83.5}},{"source":"user_review","score":92,"weight":0.4,"confidence":1,"details":{"rating_avg":4.6,"review_count":9500,"source":"product_reviews_aggregate"}}]
• method_version：v2
• search_visual：null