众安宠物眼科检查保险（基础版）

评测依据

• review_count：12800
• rating_avg：4.7
• brand_reputation：0
• merchant_count：0
• price_range：[100,299]
• 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服务，在宠物保险领域率先推出细分眼科检查产品，依托大数据和AI理赔系统，提供高效、透明的宠物医疗保障，累计服务超过500万宠物主。","product_intro":"本产品专为宠物眼科健康设计，覆盖犬猫常见眼部疾病（如结膜炎、角膜炎、白内障、青光眼）的检查费用，包括裂隙灯检查、眼压测量、眼底照相、泪液测试等。年度保额5000元，免赔额200元，报销比例70%，支持全国3000+合作宠物医院直赔，无需垫付。投保年龄2个月至10岁，续保可至15岁。","key_specs":{"适用对象":"犬、猫（2个月-10岁）","保障范围":"眼科检查费（裂隙灯、眼压、眼底、泪液）","年度保额":"5000元","免赔额":"200元/次","报销比例":"70%","医院网络":"全国3000+合作医院（含瑞鹏、瑞派等连锁）"}}
• alt_products：[{"product_name":"众安宠物眼科检查保险（基础版）","brand":"众安保险","model":"ZA-PET-EYE-BASIC-2024","price":199},{"product_name":"平安爱宠眼科无忧险","brand":"平安产险","model":"PA-PET-EYE-PRO-2024","price":259},{"product_name":"太保宠物眼科检查保","brand":"太平洋保险","model":"CPIC-PET-EYE-STD-2024","price":149}]
• kol_quotes：["宠物眼科医生李教授：'众安这款产品覆盖了基础眼科检查的刚需，尤其适合金毛、法斗等易发眼病品种。'","宠物博主@喵星人日记：'带猫去做了眼底检查，报销流程在APP上提交后2小时到账，非常省心。'"]
• scoring_breakdown：[{"source":"word_of_mouth","score":87.1,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户普遍认可其理赔速度和直赔体验，尤其是无需垫付的流程大幅降低了就医负担。多位用户反馈在宠物出现频繁流泪、眼屎增多时，检查费用得到及时报销。部分用户指出免赔额较高，且对老年犬猫的投保年龄限制较严。整体评价正面，认为性价比优于同类综合险。","source_count":3}},{"source":"objective","score":78.4603768844221,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.7,"price":199,"wom_score":87.1}},{"source":"user_review","score":94,"weight":0.4,"confidence":1,"details":{"rating_avg":4.7,"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":["宠物眼科医生李教授：'众安这款产品覆盖了基础眼科检查的刚需，尤其适合金毛、法斗等易发眼病品种。'","宠物博主@喵星人日记：'带猫去做了眼底检查，报销流程在APP上提交后2小时到账，非常省心。'"]}}]
• method_version：v3
• search_visual：null