大地宠物·癫痫无忧保

评测依据

• review_count：540
• rating_avg：4.3
• brand_reputation：0
• merchant_count：0
• price_range：[100,299]
• dimension：best_value
• sources：["DeepSeek"]
• time_range：{"from":"2026-06-26 01:23:44","to":"2026-06-26 01:23:44"}
• intros：{"brand_intro":"中国大地财产保险股份有限公司是中国再保险集团旗下财险公司，成立于2003年，注册资本超150亿元。大地保险以\"小而美\"的宠物险产品切入市场，注重线上化运营和快速理赔，在二三线城市拥有较高渗透率，主打高性价比和简单条款。","product_intro":"入门级癫痫专项保险，年度保额2万元，免赔额0元，报销比例50%。覆盖癫痫诊断、药物及住院费用，特别包含宠物癫痫手术（如脑部病灶切除）费用。等待期60天，投保年龄2个月-10岁。支持单次赔付上限3000元，全年不限次数。适合作为补充保障或预算极有限的用户。","key_specs":["适用对象：犬/猫（2个月-10岁）","年度保额：20,000元","免赔额：0元","报销比例：50%（定点医院）","等待期：60天","特色保障：癫痫手术费用覆盖"]}
• alt_products：[{"product_name":"大地宠物·癫痫无忧保","brand":"大地保险","model":"DD-PET-EPI-2024","price":269}]
• kol_quotes：["宠物保险测评师李想：0免赔对频繁就诊的癫痫宠物很友好。","兽医外科主任赵明：手术保障是亮点，很多险种不覆盖。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":74.1,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户对0免赔额设计表示满意，认为小额理赔体验好。有用户反馈，宠物癫痫手术花费1.5万元，最终报销了7500元，减轻了负担。缺点是等待期较长，且报销比例偏低。部分用户抱怨非定点医院报销流程较慢。整体适合作为基础保障，搭配其他保险使用。","source_count":0}},{"source":"objective","score":60.55761306532663,"weight":0.15,"confidence":0.5,"details":{"rating_avg":4.3,"price":269,"wom_score":74.1}},{"source":"user_review","score":86,"weight":0.4,"confidence":1,"details":{"rating_avg":4.3,"review_count":540,"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":["宠物保险测评师李想：0免赔对频繁就诊的癫痫宠物很友好。","兽医外科主任赵明：手术保障是亮点，很多险种不覆盖。"]}}]
• method_version：v3
• search_visual：null