大地宠物皮肤病保险（经济版）

评测依据

• review_count：7200
• rating_avg：4.3
• brand_reputation：0
• merchant_count：0
• price_range：[0,99]
• dimension：best_value
• sources：["京东","天猫","大地保险官网"]
• time_range：{"from":"2026-06-26 01:23:40","to":"2026-06-26 01:23:40"}
• intros：{"brand_intro":"大地保险是中国再保险集团旗下财产保险公司，成立于2003年，注册资本金151亿元。公司以稳健经营和普惠产品著称，近年来积极布局宠物保险市场，推出多款低价入门级产品，主打\"小保费、大保障\"理念，深受预算有限的养宠家庭欢迎。","product_intro":"本产品为入门级皮肤病保障，覆盖常见真菌、细菌及湿疹等基础皮肤病。单次最高报销1000元，年累计3000元，免赔额300元，报销比例60%。适合作为宠物健康保障的补充，或用于低频率皮肤病治疗。支持线上理赔，7个工作日内到账。","key_specs":["适用对象：6个月至6周岁宠物猫/狗","保障额度：单次最高1000元，年累计3000元","免赔额：300元/次","报销比例：60%（定点医院）","等待期：30天（皮肤病）","医院范围：全国2000+合作宠物医院"]}
• alt_products：[{"product_name":"大地宠物皮肤病保险（经济版）","brand":"大地保险","model":"DD-PET-SKIN-ECO-2024","price":99}]
• kol_quotes：["宠物博主@省钱养宠：99块钱买不了吃亏，虽然额度不高，但应急够用了。","养宠新手@小橘妈妈：第一次买宠物保险，这个价格很友好，理赔流程也简单。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":75.9,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户普遍认为价格亲民，适合作为临时或备用保障。但部分用户反映免赔额较高、报销比例偏低，实际获赔金额有限。也有用户指出等待期较长，且理赔材料要求较严格。总体好评率约85%，适合对价格敏感的消费者。","source_count":3}},{"source":"objective","score":56.665,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.3,"price":99,"wom_score":75.9}},{"source":"user_review","score":86,"weight":0.4,"confidence":1,"details":{"rating_avg":4.3,"review_count":7200,"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@省钱养宠：99块钱买不了吃亏，虽然额度不高，但应急够用了。","养宠新手@小橘妈妈：第一次买宠物保险，这个价格很友好，理赔流程也简单。"]}}]
• method_version：v2
• search_visual：null