众安宠物皮肤病保险（基础版）

评测依据

• review_count：12800
• rating_avg：4.6
• brand_reputation：0
• merchant_count：0
• price_range：[100,299]
• dimension：best_value
• sources：["京东","天猫","众安保险官网"]
• time_range：{"from":"2026-06-26 01:23:40","to":"2026-06-26 01:23:40"}
• intros：{"brand_intro":"众安保险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，2017年在港交所上市。公司专注于科技驱动保险创新，在宠物保险领域推出多款细分产品，覆盖意外、疾病及皮肤病专项保障，以线上理赔快、服务流程透明著称。","product_intro":"本产品专为宠物皮肤病设计，保障范围包括真菌感染、细菌性皮炎、湿疹、过敏性皮炎等常见皮肤病。提供单次最高2000元医疗费用报销，免赔额200元，报销比例70%。支持全国合作宠物医院直赔，无需垫付，全年不限理赔次数。","key_specs":["适用对象：3个月至8周岁宠物猫/狗","保障额度：单次最高2000元，年累计6000元","免赔额：200元/次","报销比例：70%（定点医院）","等待期：30天（皮肤病）","医院范围：全国3000+合作宠物医院"]}
• alt_products：[{"product_name":"众安宠物皮肤病保险（基础版）","brand":"众安保险","model":"ZA-PET-SKIN-BASIC-2024","price":199},{"product_name":"太保宠物皮肤病保险（标准版）","brand":"太平洋保险","model":"CPIC-PET-SKIN-STD-2024","price":299}]
• kol_quotes：["宠物博主@萌宠日记：众安这款皮肤病险很实用，我家猫猫湿疹花了1500，报销了1050，流程超简单。","兽医@王医生：建议养宠家庭常备，皮肤病复发率高，有保险能减轻不少负担。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":85.89999999999999,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户普遍认可其性价比和理赔速度，尤其对线上提交材料、3个工作日内到账的流程表示满意。部分用户反馈免赔额较高，小病治疗费用低于200元时无法理赔。也有用户指出等待期30天稍长，建议购买后尽快使用。总体好评率约92%，复购率较高。","source_count":3}},{"source":"objective","score":77.3403768844221,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.6,"price":199,"wom_score":85.89999999999999}},{"source":"user_review","score":92,"weight":0.4,"confidence":1,"details":{"rating_avg":4.6,"review_count":12800,"source":"product_reviews_aggregate"}},{"source":"expert","score":82,"weight":0.1,"confidence":0.6,"details":{"kol_count":2,"scored_count":2,"sample":["宠物博主@萌宠日记：众安这款皮肤病险很实用，我家猫猫湿疹花了1500，报销了1050，流程超简单。","兽医@王医生：建议养宠家庭常备，皮肤病复发率高，有保险能减轻不少负担。"]}}]
• method_version：v2
• search_visual：null