众安宠物医疗险（高免赔额版）

评测依据

• review_count：12800
• rating_avg：4.5
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_value
• sources：["京东","天猫","众安官网"]
• time_range：{"from":"2026-06-26 01:23:44","to":"2026-06-26 01:23:44"}
• 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，在宠物保险领域率先推出免体检、线上理赔等便捷服务，累计服务宠物主超过500万，以高效理赔和数字化体验著称。","product_intro":"本产品专为追求低保费、高保障的宠物主设计，设置2000元年度免赔额，覆盖意外及疾病医疗费用（含手术、住院、检查、药品）。年度累计保额最高5万元，报销比例70%，支持全国3000+定点医院直赔，等待期30天，续保无等待期。适合预算有限但希望应对大病风险的养宠家庭。","key_specs":{"对象":"犬/猫（8周-10岁）","免赔额":"2000元/年","年度保额":"5万元","报销比例":"70%","等待期":"30天（意外10天）","定点医院":"全国3000+家"}}
• alt_products：[{"product_name":"众安宠物医疗险（高免赔额版）","brand":"众安保险","model":"ZA-PET-DEDUCTIBLE-HIGH","price":399},{"product_name":"平安宠物医疗险（高免赔额版）","brand":"平安产险","model":"PA-PET-HD-2024","price":459},{"product_name":"太保宠物医疗险（高免赔额版）","brand":"太平洋保险","model":"CPIC-PET-HD-V2","price":329}]
• kol_quotes：["@宠物保险测评师：众安这款高免赔版是'花小钱防大灾'的典型，适合健康年轻宠物。","@养宠老司机：理赔体验比传统保险公司快很多，但记得先确认附近医院是否在列表里。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":80.8,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户普遍认可其性价比，认为每月33元左右的保费能获得5万保额非常划算。多位用户提到理赔流程线上化、到账快（平均3个工作日）。部分差评集中在免赔额较高，小病小痛无法报销；也有用户反映定点医院覆盖在三四线城市较少，需提前确认。整体好评率约85%，复购率较高。","source_count":3}},{"source":"objective","score":83.82809619238478,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.5,"price":399,"wom_score":80.8}},{"source":"user_review","score":90,"weight":0.4,"confidence":1,"details":{"rating_avg":4.5,"review_count":12800,"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":["@宠物保险测评师：众安这款高免赔版是'花小钱防大灾'的典型，适合健康年轻宠物。","@养宠老司机：理赔体验比传统保险公司快很多，但记得先确认附近医院是否在列表里。"]}}]
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