平安宠物医疗险（高免赔额版）

评测依据

• review_count：9600
• rating_avg：4.4
• brand_reputation：0
• merchant_count：0
• price_range：[300,799]
• dimension：best_quality
• sources：["天猫","京东"]
• time_range：{"from":"2026-06-26 01:23:44","to":"2026-06-26 01:23:44"}
• intros：{"brand_intro":"中国平安财产保险股份有限公司是中国第二大财产保险公司，隶属于中国平安保险集团。公司拥有覆盖全国的服务网络和强大的品牌信誉，在宠物保险领域依托集团综合金融优势，提供'保险+医疗+服务'一体化解决方案，客户基数庞大，理赔网点丰富。","product_intro":"该产品设置1500元年度免赔额，覆盖意外及疾病医疗费用（含门诊、手术、住院、化验、药品），年度保额3万元，报销比例60%。特色服务包括免费在线问诊、疫苗优惠券及宠物走失寻找协助。等待期30天，支持全国2000+合作医院直赔，续保可享免核保优惠。","key_specs":{"对象":"犬/猫（3月-9岁）","免赔额":"1500元/年","年度保额":"3万元","报销比例":"60%","等待期":"30天（意外10天）","附加服务":"在线问诊、疫苗券、走失协助"}}
• alt_products：[{"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":"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":"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：["@宠物医疗观察：平安这款产品适合看重品牌和附加服务的用户，但报销比例不如众安高。","@猫狗双全日记：在线问诊帮了我大忙，半夜宠物呕吐直接连线兽医，省了急诊费。"]
• scoring_breakdown：[{"source":"word_of_mouth","score":84.1,"weight":0.35,"confidence":0.8,"details":{"source":"word_of_mouth_scores","summary":"用户对平安品牌信任度高，认为理赔流程规范、客服响应及时。好评集中在附加服务实用（尤其在线问诊），以及1500元免赔额相对合理。部分用户反映报销比例60%偏低，大额医疗自付部分较多；也有用户提到理赔材料要求较严格，需提供完整病历和发票。整体满意度中等偏上。","source_count":2}},{"source":"objective","score":86.44,"weight":0.15,"confidence":0.8,"details":{"rating_avg":4.4,"review_count":9600,"wom_score":84.1}},{"source":"user_review","score":88,"weight":0.4,"confidence":1,"details":{"rating_avg":4.4,"review_count":9600,"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":["@宠物医疗观察：平安这款产品适合看重品牌和附加服务的用户，但报销比例不如众安高。","@猫狗双全日记：在线问诊帮了我大忙，半夜宠物呕吐直接连线兽医，省了急诊费。"]}}]
• method_version：v3
• search_visual：null