-- 智保通第 2 阶段 MySQL 数据库快照 -- 数据来源：insurance_s2_core, insurance_s2_agent, insurance_s2_analytics -- 内容包括表结构、基础账号和当前业务数据。 -- 导入时会替换目标数据库中的同名表，仅用于首次初始化或本地数据重置。 -- MySQL dump 10.13 Distrib 8.0.42, for Win64 (x86_64) -- -- Host: 127.0.0.1 Database: insurance_s2_core -- ------------------------------------------------------ -- Server version 8.0.42 /*!40101 SET @OLD_CHARACTER_SET_CLIENT=@@CHARACTER_SET_CLIENT */; /*!40101 SET @OLD_CHARACTER_SET_RESULTS=@@CHARACTER_SET_RESULTS */; /*!40101 SET @OLD_COLLATION_CONNECTION=@@COLLATION_CONNECTION */; /*!50503 SET NAMES utf8mb4 */; /*!40103 SET @OLD_TIME_ZONE=@@TIME_ZONE */; /*!40103 SET TIME_ZONE='+00:00' */; /*!40014 SET @OLD_UNIQUE_CHECKS=@@UNIQUE_CHECKS, UNIQUE_CHECKS=0 */; /*!40014 SET @OLD_FOREIGN_KEY_CHECKS=@@FOREIGN_KEY_CHECKS, FOREIGN_KEY_CHECKS=0 */; /*!40101 SET @OLD_SQL_MODE=@@SQL_MODE, SQL_MODE='NO_AUTO_VALUE_ON_ZERO' */; /*!40111 SET @OLD_SQL_NOTES=@@SQL_NOTES, SQL_NOTES=0 */; -- -- Current Database: `insurance_s2_core` -- CREATE DATABASE /*!32312 IF NOT EXISTS*/ `insurance_s2_core` /*!40100 DEFAULT CHARACTER SET utf8mb4 COLLATE utf8mb4_0900_ai_ci */ /*!80016 DEFAULT ENCRYPTION='N' */; USE `insurance_s2_core`; -- -- Table structure for table `admin_user_roles` -- DROP TABLE IF EXISTS `admin_user_roles`; /*!40101 SET @saved_cs_client = @@character_set_client */; /*!50503 SET character_set_client = utf8mb4 */; CREATE TABLE `admin_user_roles` ( `admin_user_id` varchar(26) NOT NULL, `role_id` varchar(26) NOT NULL, PRIMARY KEY (`admin_user_id`,`role_id`), KEY `role_id` (`role_id`), CONSTRAINT `admin_user_roles_ibfk_1` FOREIGN KEY (`admin_user_id`) REFERENCES `admin_users` (`id`), CONSTRAINT `admin_user_roles_ibfk_2` FOREIGN KEY (`role_id`) REFERENCES `roles` (`id`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci; /*!40101 SET character_set_client = @saved_cs_client */; -- -- Dumping data for table `admin_user_roles` -- LOCK TABLES `admin_user_roles` WRITE; /*!40000 ALTER TABLE `admin_user_roles` 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保障责任\n\n在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\n\n## 责任免除\n\n投保前已经确诊但未如实告知的疾病、非医学必需的美容项目、违法犯罪行为造成的伤害，不属于本产品保障责任。\n\n## 服务提醒\n\n具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。','PUBLISHED',1,9,'SYSTEM_SEED','2026-07-27 08:41:10','2026-07-27 08:51:44','2026-07-27 08:51:44','2026-07-27 08:51:44'),('01KYHCBQGAZSQ2DCQ5DS53C21K','医疗费用报销协助服务规则','SERVICE_RULES','医疗费用报销协助服务规则.md',NULL,'# 医疗费用报销协助服务规则\n\n## 基础材料\n\n发起医疗费用报销协助申请时，通常需要提供医疗费用发票、费用明细清单、诊断证明和就诊人身份信息。\n\n## 住院材料\n\n涉及住院治疗时，还需要提供入院记录、出院记录和住院病案首页。材料应当完整、清晰并且能够识别姓名、日期和金额。\n\n## 材料确认\n\n系统识别出的字段仅作为候选结果。用户提交服务申请前必须核对姓名、就诊日期、发票号码和费用金额，并确认识别内容。\n\n## 服务边界\n\n智保通提供材料整理和申请协助，不代表保险公司作出赔付承诺。最终处理结论以审核结果为准。','PUBLISHED',1,9,'SYSTEM_SEED','2026-07-27 08:51:44','2026-07-27 08:51:48','2026-07-27 08:51:48','2026-07-27 08:51:48'),('01KYHCBTWW1PYTNWF7KGNKCJ8V','家庭意外保障常见问题','FAQ','家庭意外保障常见问题.md','ACC-FAMILY','# 家庭意外保障常见问题\n\n## 可以为谁投保\n\n投保关系支持本人、父母、配偶和子女。被保险人的年龄和职业仍需符合所选计划的资格规则。\n\n## 保障何时生效\n\n订单支付成功并生成电子保单后，保障按照电子保单载明的起保日期生效。\n\n## 是否保障疾病医疗\n\n家庭意外保障主要覆盖意外伤害相关责任，不替代疾病医疗保险。需要疾病住院医疗保障时，应选择医疗险产品。\n\n## 如何查询保单\n\n用户可以在智保通 H5 的“我的保障”中查看本人账号下的电子保单和保障期限。','PUBLISHED',1,9,'SYSTEM_SEED','2026-07-27 08:51:48','2026-07-28 14:48:55','2026-07-28 14:48:19','2026-07-28 14:48:55'),('01KYMJMBN6NDK2ZYECJT3BHD0R','01-安心医疗险保障责任与报销规则','INSURANCE_TERMS','01-安心医疗险保障责任与报销规则.md',NULL,'# 安心医疗险保障责任与报销规则\n\n文档类型：保险条款 \n适用产品编码：MED-BASIC \n适用计划：基础计划 \n版本：V2.0\n\n## 保障责任\n\n在保险期间内，被保险人因疾病或意外伤害在中华人民共和国大陆地区认可的医疗机构接受住院治疗，发生的合理且医学必需的住院医疗费用，属于本产品医疗费用保障范围。\n\n保障费用包括床位费、医生诊疗费、检查检验费、药品费、治疗费、手术费和住院期间发生的其他合理医疗费用。具体费用应以医疗费用票据和费用明细清单为准。\n\n## 年度保障额度\n\n基础计划的年度医疗费用保障额度为200万元。所有属于本计划责任范围的医疗费用赔付金额累计计算，达到年度保障额度后，本保险期间内不再承担医疗费用保障责任。\n\n## 年度免赔额\n\n基础计划的年度免赔额为1万元。符合保障范围的医疗费用应先扣除从基本医疗保险、公费医疗、其他商业保险及第三方责任方获得的补偿，再扣除年度免赔额。\n\n## 报销比例\n\n被保险人以基本医疗保险身份就医并完成基本医疗保险结算的，对扣除补偿和年度免赔额后的剩余合理医疗费用按80%比例报销。\n\n被保险人应当以基本医疗保险身份就医但未使用基本医疗保险结算的，对扣除补偿和年度免赔额后的剩余合理医疗费用按60%比例报销。\n\n不属于保障范围的医疗费用不参与比例计算，报销比例为0%。\n\n## 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SET character_set_client = utf8mb4 */; CREATE TABLE `outbox_events` ( `id` varchar(26) NOT NULL, `aggregate_type` varchar(32) NOT NULL, `aggregate_id` varchar(26) NOT NULL, `event_type` varchar(128) NOT NULL, `payload_json` json NOT NULL, `status` varchar(32) NOT NULL, `created_at` datetime NOT NULL, PRIMARY KEY (`id`), KEY `ix_outbox_dispatch` (`status`,`created_at`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci; /*!40101 SET character_set_client = @saved_cs_client */; -- -- Dumping data for table `outbox_events` -- LOCK TABLES `outbox_events` WRITE; /*!40000 ALTER TABLE `outbox_events` DISABLE KEYS */; /*!40000 ALTER TABLE `outbox_events` ENABLE KEYS */; UNLOCK TABLES; -- -- Table structure for table `payment_transactions` -- DROP TABLE IF EXISTS `payment_transactions`; /*!40101 SET @saved_cs_client = @@character_set_client */; /*!50503 SET character_set_client = utf8mb4 */; CREATE TABLE `payment_transactions` ( `id` varchar(26) NOT NULL, `payment_no` varchar(40) 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/*!80016 DEFAULT ENCRYPTION='N' */; USE `insurance_s2_agent`; -- -- Table structure for table `agent_messages` -- DROP TABLE IF EXISTS `agent_messages`; /*!40101 SET @saved_cs_client = @@character_set_client */; /*!50503 SET character_set_client = utf8mb4 */; CREATE TABLE `agent_messages` ( `id` varchar(26) NOT NULL, `thread_id` varchar(26) NOT NULL, `role` varchar(16) NOT NULL, `content` text NOT NULL, `metadata_json` json NOT NULL, `created_at` datetime NOT NULL, PRIMARY KEY (`id`), KEY `ix_agent_messages_thread_created` (`thread_id`,`created_at`), CONSTRAINT `agent_messages_ibfk_1` FOREIGN KEY (`thread_id`) REFERENCES `agent_threads` (`id`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci; /*!40101 SET character_set_client = @saved_cs_client */; -- -- Dumping data for table `agent_messages` -- LOCK TABLES `agent_messages` WRITE; /*!40000 ALTER TABLE `agent_messages` DISABLE KEYS */; INSERT INTO `agent_messages` VALUES ('01KYE9TEVEV5F9B3GTFR6WCYWA','01KYE9TEQRDT8JNV2Q01CE9K4S','USER','我想给75岁的父亲买医疗险，常住成都，普通职业。','{\"run_id\": \"01KYE9TEVEJA71JTHBYTT75JYM\"}','2026-07-26 04:09:38'),('01KYE9TQY13JKW4JEVM9WX4FEN','01KYE9TEQRDT8JNV2Q01CE9K4S','ASSISTANT','根据查询结果，目前系统中在售的 **医疗险** 产品有以下几款，都比较适合您为父亲考虑：\n\n---\n\n### 🏥 候选医疗险产品\n\n| 产品名称 | 计划类型 | 说明 |\n|---------|---------|------|\n| **银龄守护医疗险** | 银龄标准计划 | 专为老年人设计的医疗险，名称上看对高龄人群较友好 |\n| **蓉惠基础医疗险** | 基础计划 | 基础医疗保障，保费相对亲民 |\n| **蓉惠升级医疗险** | 标准计划 / 升级计划 | 保障更全面的医疗险 |\n\n---\n\n不过，在为您进一步匹配合适方案前，想跟您确认几个信息：\n\n1. **您的父亲是成都本地户籍吗？**（部分产品可能有地域限制）\n2. **您的父亲目前身体健康状况如何？**（是否有既往病史，这会影响核保）\n3. **您对保费的预算大概是多少？**\n\n另外，关于具体的 **保费金额**，我需要通过后续的确定性报价接口来为您计算，暂时无法直接给出价格，请您见谅。您看要不要先挑一款感兴趣的产品，我来进一步为您了解详情？😊','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"家庭意外保障险本地开发数据\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"蓉惠基础医疗险本地开发数据\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"银龄守护医疗险本地开发数据\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"蓉惠升级医疗险本地开发数据\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}], \"run_id\": \"01KYE9TEVEJA71JTHBYTT75JYM\"}','2026-07-26 04:09:47'),('01KYEDKWTPZT08YY8VBFBKT0K6','01KYEDKWQ0SGJ43FC271MSY2S9','USER','我想给45岁的父亲买医疗险，常住成都，普通职业。','{\"run_id\": \"01KYEDKWTPVZ3K5JSVJE65PREH\"}','2026-07-26 05:15:57'),('01KYEDM46SDPFR60VFBWMXY2PN','01KYEDKWQ0SGJ43FC271MSY2S9','ASSISTANT','好的，根据查询，目前适合您父亲（45岁、常住成都、普通职业）的**医疗险**产品主要有以下两款，供您参考：\n\n---\n\n### 🏥 候选产品推荐\n\n| 产品名称 | 产品特点 | 可选计划 |\n|---------|---------|---------|\n| **蓉惠基础医疗险** | 覆盖常见住院医疗费用，简洁实用 | 基础计划 |\n| **蓉惠升级医疗险** | 保障额度更高，方案更灵活 | 标准计划 / 升级计划 |\n\n两款产品均可覆盖住院医疗保障，**蓉惠升级医疗险**则提供更高额度及两档计划自由选择，适合想加强保障力度的需求。\n\n---\n\n### ❓ 需要跟您确认几个问题\n\n1. **您的意向** — 您更倾向于基础保障（蓉惠基础医疗险），还是希望保障更充足（蓉惠升级医疗险）？\n2. **被保险人的健康状况** — 您父亲是否有既往病史或体检异常？这会影响产品的可投保性。\n\n> 📌 另外说明一下：**银龄守护医疗险**（面向50-75周岁）因您父亲年龄为45岁，暂不符合投保条件，所以未列入推荐。\n\n请问您对哪款产品比较感兴趣？我可以进一步为您介绍详细保障内容。最终保费需要后续通过报价接口为您准确核算，我这边无法直接报价，还请您理解🙏','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}], \"run_id\": \"01KYEDKWTPVZ3K5JSVJE65PREH\"}','2026-07-26 05:16:05'),('01KYEFRNH3PXWTFV68S4DEFEHD','01KYEFRNDQK8RWEKTVGTE4B4J7','USER','我想了解基础医疗保障，年龄32岁。','{\"run_id\": \"01KYEFRNH3JH1C5SKY6CYDZET1\"}','2026-07-26 05:53:31'),('01KYEFRXTXRG36JSYXX8S5BGTJ','01KYEFRNDQK8RWEKTVGTE4B4J7','ASSISTANT','感谢您的咨询！根据您的需求，我为您查询到以下适合**基础医疗保障**的候选产品：\n\n---\n\n### ✅ 推荐产品\n\n**1️⃣ 蓉惠基础医疗险**\n- **类别**：医疗保险\n- **简介**：覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障\n- **可选计划**：基础计划\n- **适合人群**：非常适合您32岁的年龄阶段\n\n**2️⃣ 蓉惠升级医疗险**\n- **类别**：医疗保险\n- **简介**：在基础保障之上提高医疗费用保障额度，提供标准与升级两档方案灵活选择\n- **可选计划**：标准计划 / 升级计划\n- **适合人群**：如果希望保障更全面，可作为进阶选择\n\n> 📌 另外还有**家庭意外保障险**（覆盖日常意外风险），以及**银龄守护医疗险**（面向50-75周岁），后者不太适合您目前的年龄。\n\n---\n\n### ❓ 还需要请您补充以下信息，以便为您做更精准的推荐：\n\n1. **所在地区**（城市/省份）—— 不同地区可选方案可能有差异\n2. **投保关系** —— 是为本人投保，还是为家人投保？\n3. **职业** —— 不同职业对医疗险投保有影响\n\n请告诉我这些信息，我会进一步为您分析推荐！','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}], \"run_id\": \"01KYEFRNH3JH1C5SKY6CYDZET1\"}','2026-07-26 05:53:39'),('01KYEG6DFTQFJE3RE75M5XW5VW','01KYEG6DCSAN86GAS42JBGFS4A','USER','我想给一家三口配置意外保障，请帮我推荐。','{\"run_id\": \"01KYEG6DFTYFRHSR62XYBJBMFN\"}','2026-07-26 06:01:01'),('01KYEG6K24E0ESM2AMTXJNJA3Z','01KYEG6DCSAN86GAS42JBGFS4A','ASSISTANT','### 需求判断\n已理解您希望为一家三口配置意外保障，需要覆盖全家日常意外风险。\n\n### 推荐建议\n- **家庭意外保障险**：专为家庭场景设计，支持统一为家人配置，一份方案覆盖一家三口，管理更省心。\n\n### 下一步\n请您告诉我三位家庭成员的**年龄**、**所在地区**，以及**您与另外两位的关系**（如配偶、子女），以便确认保障范围。点击下方产品卡片即可查看详情并测算保费。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}], \"run_id\": \"01KYEG6DFTYFRHSR62XYBJBMFN\"}','2026-07-26 06:01:07'),('01KYEGGR8JYXCXJZMM5YP3XX53','01KYEGGR4NPH1NSYCHQ15GY8R0','USER','我想给65岁的父亲买医疗险，常住成都，普通职业。','{\"run_id\": \"01KYEGGR8JACBZXH49FQQZN2SV\"}','2026-07-26 06:06:40'),('01KYEGGYVWF2Z08BZMJ248PXMS','01KYEGGR4NPH1NSYCHQ15GY8R0','ASSISTANT','### 需求判断\n已理解您想为65岁的父亲（常住成都、普通职业）配置一份医疗险。\n\n### 推荐建议\n- **银龄守护医疗险**：专门面向50至75周岁中老年人群，提供住院医疗保障，与您父亲的年龄和需求高度匹配。\n- 备选可关注**蓉惠基础医疗险**，覆盖常见住院医疗费用，价格相对简洁实用，适合作为基础补充。\n\n### 下一步\n点击下方产品卡片即可查看详细保障并测算保费，不同计划价格有差异，请根据预算灵活选择。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}], \"run_id\": \"01KYEGGR8JACBZXH49FQQZN2SV\"}','2026-07-26 06:06:47'),('01KYEGS0XYE614C0QHYB5M0AZ7','01KYEGS0V0XGF2JJPCNSPT650F','USER','我想给65岁的父亲买医疗险，常住成都，普通职业。','{\"run_id\": \"01KYEGS0XYV5T1KYCDCVTWS6XY\", \"service_no\": \"ZBT-20260726-1460\"}','2026-07-26 06:11:11'),('01KYEGS665Y30M5RRH5JCNM7X5','01KYEGS0V0XGF2JJPCNSPT650F','ASSISTANT','### 需求判断\n已理解您希望为65岁、常住成都的父亲配置一份医疗险，普通职业。\n\n### 推荐建议\n- **银龄守护医疗险**：覆盖50至75周岁人群，正适合您父亲的年龄，提供住院医疗保障，与医疗险需求高度匹配。\n- 备选方案暂无更优选择，该款产品最为贴合。\n\n### 下一步\n您可点击下方产品卡片进入详情页，自主测算保费并了解保障责任，页面上会有清晰的投保指引。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}], \"run_id\": \"01KYEGS0XYV5T1KYCDCVTWS6XY\", \"service_no\": \"ZBT-20260726-1460\"}','2026-07-26 06:11:16'),('01KYESG2MBNP1ZBCAFSSWEDFFG','01KYESG2JSAF9XP1HRZTWTQJEM','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYESG2MBFZHNAA98NKKYAHQ0\", \"service_no\": \"ZBT-20260726-1209\"}','2026-07-26 08:43:35'),('01KYESGCS79GRKY5R4KWQTVBN1','01KYESG2JSAF9XP1HRZTWTQJEM','ASSISTANT','## 当前经营情况总览\n\n**结论：当前累计订单30笔、有效保单18张、累计保费4,562.00元，经营指标均在正常在途与生效状态。**\n\n---\n\n### 关键依据\n\n1. **经营总览指标**\n - **订单总量**：30 笔\n - **有效保单**：18 张\n - **累计保费**：4,562.00 元\n\n2. **近期订单明细（最近5笔）**\n - 4 笔已出单（ISSUED），1 笔待支付（PENDING_PAYMENT）\n - 涉及产品包括「蓉惠基础医疗险」「家庭意外保障险」「蓉惠升级医疗险」\n - 单笔保费区间：99.00 元 ~ 599.00 元\n\n3. **近期保单明细（最近5张）**\n - 全部为 **有效（ACTIVE）** 状态\n - 除上述产品外，新增「银龄守护医疗险」\n - 保障期间均为一年期，近期保单集中在 2026-07-25 至 2026-07-26 签发\n\n---\n\n### 建议关注点\n- **待支付订单**：存在 1 笔 99.00 元的「家庭意外保障险·个人计划」尚未付款，可关注后续是否完成支付转为有效保单。\n- **订单→保单转化**：总订单 30 笔，有效保单 18 张（转化率约 60%），可进一步分析未转化订单的原因（如支付中断、退单等）。\n- **保费结构**：累计保费 4,562.00 元，平均单笔保费约 152 元，当前以医疗险和意外险为主，可观察高客单价产品（如蓉惠升级医疗险 599 元）的占比趋势。\n\n如需要进一步深入分析（如按产品维度拆分、推广归因等），请告知具体方向。','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-B0000001\", \"issued_at\": \"2026-07-26 13:27:00+00:00\", \"plan_name\": \"基础计划\", \"policy_id\": \"4E25EC1DCC1CA1A657E360FB3D\", \"policy_no\": \"POL-20260726-B0000001\", \"coverage_end\": \"2027-07-27\", \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\", \"premium_cents\": 23900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-C70GZ7AW\", \"issued_at\": \"2026-07-26 06:27:03+00:00\", \"plan_name\": \"家庭计划\", \"policy_id\": \"01KYEHP2GVHY0TDB5CEV9SK5CZ\", \"policy_no\": \"POL-20260726-8J9JCAP7\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"家庭意外保障险\", \"relationship\": \"PARENT\", \"premium_cents\": 15900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-3M70B50V\", \"issued_at\": \"2026-07-26 06:13:17+00:00\", \"plan_name\": \"升级计划\", \"policy_id\": \"01KYEGWVP3Z2GF8NPA1G68N0QV\", \"policy_no\": \"POL-20260726-J8P6CQGK\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"蓉惠升级医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 59900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-VX8N65NW\", \"issued_at\": \"2026-07-26 05:38:17+00:00\", \"plan_name\": \"家庭计划\", \"policy_id\": \"01KYEEWRX5Q0KQS6HH2JDHB6Q2\", \"policy_no\": \"POL-20260726-G5AZBH2E\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"家庭意外保障险\", \"relationship\": \"PARENT\", \"premium_cents\": 15900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260725-6JX3MK3J\", \"issued_at\": \"2026-07-25 17:50:03+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYD6BZ5FA0E5B2MX74SBJCFV\", \"policy_no\": \"POL-20260725-1SFA3X9V\", \"coverage_end\": \"2027-07-25\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-26\"}], \"title\": \"近期保单\", \"total\": 20, \"entity\": \"policy\", \"version\": \"1.0\"}, {\"type\": \"business_list\", \"items\": [{\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"461FD2ED8AE93C66E3C05D90E2\", \"order_no\": \"ORD-20260726-B0000001\", \"plan_name\": \"基础计划\", \"policy_no\": \"POL-20260726-B0000001\", \"created_at\": \"2026-07-26 13:23:00+00:00\", \"amount_cents\": 23900, \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\"}, {\"status\": \"PENDING_PAYMENT\", \"currency\": \"CNY\", \"order_id\": \"9333E1EB99371B0149052F9A0B\", \"order_no\": \"ORD-20260726-B0000017\", \"plan_name\": \"个人计划\", \"policy_no\": null, \"created_at\": \"2026-07-26 12:31:00+00:00\", \"amount_cents\": 9900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEHP1FHXM2A9CFAM9Y6H8T4\", \"order_no\": \"ORD-20260726-C70GZ7AW\", \"plan_name\": \"家庭计划\", \"policy_no\": \"POL-20260726-8J9JCAP7\", \"created_at\": \"2026-07-26 06:27:02+00:00\", \"amount_cents\": 15900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"PARENT\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEGWT48JF84F5DFVEJFXE9X\", \"order_no\": \"ORD-20260726-3M70B50V\", \"plan_name\": \"升级计划\", \"policy_no\": \"POL-20260726-J8P6CQGK\", \"created_at\": \"2026-07-26 06:13:15+00:00\", \"amount_cents\": 59900, \"product_name\": \"蓉惠升级医疗险\", \"relationship\": \"PARENT\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEEWQCMJ04NHZEZZD5T3TBV\", \"order_no\": \"ORD-20260726-VX8N65NW\", \"plan_name\": \"家庭计划\", \"policy_no\": \"POL-20260726-G5AZBH2E\", \"created_at\": \"2026-07-26 05:38:15+00:00\", \"amount_cents\": 15900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"PARENT\"}], \"title\": \"近期订单\", \"total\": 30, \"entity\": \"order\", \"version\": \"1.0\"}, {\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 30}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 18}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 4562.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYESG2MBFZHNAA98NKKYAHQ0\", \"actions\": [{\"type\": \"open_admin_policies\", \"label\": \"进入保单中心\", \"payload\": {}, \"confirmation_required\": false}, {\"type\": \"open_admin_orders\", \"label\": \"进入订单中心\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": null, \"service_no\": \"ZBT-20260726-1209\", \"invoked_tools\": [\"list_recent_policies\", \"list_recent_orders\", \"get_operation_overview\"]}','2026-07-26 08:43:45'),('01KYEWGS8T7HJYH1QWDN28FQ5M','01KYEWGS7FPK95PNSPM008JT9M','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYEWGS8SS01WJZBWGJCT1EXE\", \"service_no\": \"ZBT-20260726-2614\"}','2026-07-26 09:36:24'),('01KYEWH4E8WAHKK8HXM02CR796','01KYEWGS7FPK95PNSPM008JT9M','ASSISTANT','## 经营总览结论\n\n当前整体经营情况如下：\n\n**📊 核心指标**\n- **订单总量**：**34 笔**\n- **有效保单**：**22 张**\n- **累计保费**：**5,318.00 元**\n\n---\n\n### 关键依据\n\n1. **订单 → 保单转化存在空间**：34笔订单中有4笔已出单（ISSUED），但有1笔处于**待支付（PENDING_PAYMENT）**状态（家庭意外保障险·个人计划，99.00元），待支付订单转化后将贡献更多有效保单。\n2. **近期主打产品**：最近订单集中在**银龄守护医疗险·银龄标准计划**（为父母投保，199.00元/单）和**家庭意外保障险**（个人/家庭计划），显示医疗险和意外险为当前主力产品线。\n3. **保单均处于有效期内**：最近5张保单均为 **ACTIVE** 状态，保障期限均为1年（2026-07-27 起保），保单质量稳定。\n\n### 建议关注点\n- **待支付订单**（ORD-20260726-B0000017）需跟进促成，避免流失；若持续未支付，将影响整体保费规模。\n- 订单总量（34笔）与有效保单（22张）存在差距，可分析中间环节（如撤单、支付失败等）是否有优化空间。\n- **银龄守护医疗险**近期出单活跃，且均为为父母投保，可关注养老/医疗类营销活动效果。','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-B0000001\", \"issued_at\": \"2026-07-26 13:27:00+00:00\", \"plan_name\": \"基础计划\", \"policy_id\": \"4E25EC1DCC1CA1A657E360FB3D\", \"policy_no\": \"POL-20260726-B0000001\", \"coverage_end\": \"2027-07-27\", \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\", \"premium_cents\": 23900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-HZHQ4FEC\", \"issued_at\": \"2026-07-26 09:35:39+00:00\", \"plan_name\": \"家庭计划\", \"policy_id\": \"01KYEWFDQ5XE6Z3VPD5BWE4NHD\", \"policy_no\": \"POL-20260726-MHQSNF7A\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\", \"premium_cents\": 15900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-HRB37NF0\", \"issued_at\": \"2026-07-26 09:19:07+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVH4MXM1E8N278DQXC9JCT\", \"policy_no\": \"POL-20260726-58GE6SFK\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-QS0QFF5D\", \"issued_at\": \"2026-07-26 09:18:33+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVG38CBECJY6WY81N2WGBV\", \"policy_no\": \"POL-20260726-0DFPR7M0\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-ADRSWWMM\", \"issued_at\": \"2026-07-26 09:17:39+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVEEXEP7NSW1ZRP9VCSDFS\", \"policy_no\": \"POL-20260726-40NYF32G\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}], \"title\": \"近期保单\", \"total\": 24, \"entity\": \"policy\", \"version\": \"1.0\"}, {\"type\": \"business_list\", \"items\": [{\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"461FD2ED8AE93C66E3C05D90E2\", \"order_no\": \"ORD-20260726-B0000001\", \"plan_name\": \"基础计划\", \"policy_no\": \"POL-20260726-B0000001\", \"created_at\": \"2026-07-26 13:23:00+00:00\", \"amount_cents\": 23900, \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\"}, {\"status\": \"PENDING_PAYMENT\", \"currency\": \"CNY\", \"order_id\": \"9333E1EB99371B0149052F9A0B\", \"order_no\": \"ORD-20260726-B0000017\", \"plan_name\": \"个人计划\", \"policy_no\": null, \"created_at\": \"2026-07-26 12:31:00+00:00\", \"amount_cents\": 9900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEWFARF4SNZJM7NJ66BY4BB\", \"order_no\": \"ORD-20260726-HZHQ4FEC\", \"plan_name\": \"家庭计划\", \"policy_no\": \"POL-20260726-MHQSNF7A\", \"created_at\": \"2026-07-26 09:35:36+00:00\", \"amount_cents\": 15900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEVH4FGKDE2W5TWS9AS3PHJ\", \"order_no\": \"ORD-20260726-HRB37NF0\", \"plan_name\": \"银龄标准计划\", \"policy_no\": \"POL-20260726-58GE6SFK\", \"created_at\": \"2026-07-26 09:19:07+00:00\", \"amount_cents\": 19900, \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEVG32B12SMZNVQRRP4QGEG\", \"order_no\": \"ORD-20260726-QS0QFF5D\", \"plan_name\": \"银龄标准计划\", \"policy_no\": \"POL-20260726-0DFPR7M0\", \"created_at\": \"2026-07-26 09:18:33+00:00\", \"amount_cents\": 19900, \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\"}], \"title\": \"近期订单\", \"total\": 34, \"entity\": \"order\", \"version\": \"1.0\"}, {\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYEWGS8SS01WJZBWGJCT1EXE\", \"actions\": [{\"type\": \"open_admin_policies\", \"label\": \"进入保单中心\", \"payload\": {}, \"confirmation_required\": false}, {\"type\": \"open_admin_orders\", \"label\": \"进入订单中心\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": null, \"service_no\": \"ZBT-20260726-2614\", \"invoked_tools\": [\"list_recent_policies\", \"list_recent_orders\", \"get_operation_overview\"]}','2026-07-26 09:36:35'),('01KYEX6MPYW7PS37HTVTDCMV4G','01KYEX6MNQP85XJ0BMVRVGCG2X','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYEX6MPYHS2F2DMFDAXE6E4H\", \"service_no\": \"ZBT-20260726-0409\"}','2026-07-26 09:48:20'),('01KYEX6TQHFM54NVDMX3FJCHNE','01KYEX6MNQP85XJ0BMVRVGCG2X','ASSISTANT','## 当前经营总览结论\n\n当前整体经营情况如下：**累计产生订单34笔，其中有效保单22张，累计保费5,318.00元。**\n\n### 关键依据\n\n| 指标 | 数值 |\n|------|------|\n| 订单总量 | **34 笔** |\n| 有效保单 | **22 张** |\n| 累计保费 | **5,318.00 元** |\n\n### 建议关注点\n\n1. **有效保单转化率**：当前订单34笔，有效保单22张，转化率约 **64.7%**，可关注剩余订单是否在核保或承保流程中。\n2. **客均保费**：累计保费5,318元 ÷ 22张有效保单 ≈ **241.7元/单**，可监测该均值是否在预期区间。\n3. **时效与跟进**：如有较久的未转化订单，建议关注核保或支付环节的阻塞情况。\n\n如需进一步查看近期订单明细或保单详情，我可以立即查询。','{\"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYEX6MPYHS2F2DMFDAXE6E4H\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260726-0409\", \"invoked_tools\": [\"get_operation_overview\"]}','2026-07-26 09:48:26'),('01KYEXGHWP2MCYP7AXVG1BT8P0','01KYEXGHVNZ3YM2KHKBBFJSQPC','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYEXGHWPBJAWT62ZCT7H7WJG\", \"service_no\": \"ZBT-20260726-9974\"}','2026-07-26 09:53:45'),('01KYEXGQ2FNKQRW8KKKP6N4ACY','01KYEXGHVNZ3YM2KHKBBFJSQPC','ASSISTANT','**结论：** 当前经营数据为 **34笔订单、22张有效保单、累计保费 5,318 元**。\n\n**关键依据：**\n1. **订单总量** — 34 笔，反映已生成的投保订单数量。\n2. **有效保单** — 22 张，即已承保且仍在有效期内的保单数，与订单量之间有 12 笔差额（可能包含未支付、核保失败或退保订单）。\n3. **累计保费** — 5,318.00 元，对应有效保单及已完成承保的保费收入总和。\n\n**建议关注点：**\n- 订单→保单的转化差距（34→22），建议排查是否存在未支付或核保未通过订单。\n- 若保费目标明确，可对比当前累计保费与阶段目标之间的完成率。','{\"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYEXGHWPBJAWT62ZCT7H7WJG\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260726-9974\", \"invoked_tools\": [\"get_operation_overview\"]}','2026-07-26 09:53:50'),('01KYEXHG96PQ7ABMB74GR4J831','01KYEXGHVNZ3YM2KHKBBFJSQPC','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYEXHG96736RGKD7YAW84690\", \"service_no\": \"ZBT-20260726-1230\"}','2026-07-26 09:54:16'),('01KYEXHN20K546X4Q9MBPRG8CE','01KYEXGHVNZ3YM2KHKBBFJSQPC','ASSISTANT','**结论：** 当前经营总览为 **34笔订单、22张有效保单、累计保费 5,318.00 元**。\n\n**关键依据：**\n1. **订单总量** — 34 笔，代表已生成的投保订单数。\n2. **有效保单** — 22 张，即已承保且仍在有效期内的保单数量。\n3. **累计保费** — 5,318.00 元，为截至目前的保费收入合计。\n\n**建议关注点：**\n- 订单与有效保单之间存在 12 笔差额，可进一步排查未承保原因（如待支付、核保未通过、退保等）。\n- 如有阶段性保费目标，可将当前累计保费与目标进行对比，评估完成进度。','{\"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYEXHG96736RGKD7YAW84690\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260726-1230\", \"invoked_tools\": [\"get_operation_overview\"]}','2026-07-26 09:54:21'),('01KYEZHZ8QRBECS3NNJ6PSKQKX','01KYEZHZ7HN9QAHTKCCFWH89FX','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYEZHZ8QTKZS8Q2D6E1DVCRX\", \"service_no\": \"ZBT-20260726-7606\"}','2026-07-26 10:29:28'),('01KYEZJ4NCN885RFXEY9J5B5D0','01KYEZHZ7HN9QAHTKCCFWH89FX','ASSISTANT','## 经营总览分析\n\n**结论：** 当前共有 **34笔订单**、**22张有效保单**，累计保费 **5,318.00元**。\n\n### 关键依据\n\n| 指标 | 数值 |\n|------|------|\n| 订单总量 | 34笔 |\n| 有效保单 | 22张 |\n| 累计保费 | 5,318.00元 |\n\n### 建议关注点\n\n1. **订单到保单的转化率**：当前34笔订单中仅22张有效保单，转化率约 **64.7%**，建议关注是否存在订单未承保或退单的情况。\n2. **平均保费水平**：累计保费5,318元 ÷ 22张保单 ≈ **每张保单平均保费约242元**，可结合产品定价评估客单价是否合理。\n3. **订单与保单的差值**：12笔订单差异（34-22）需进一步排查是处于投保流程中、被拒保还是客户取消，以优化承保转化效率。\n\n如需进一步了解订单明细或保单详情，请随时告知。','{\"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYEZHZ8QTKZS8Q2D6E1DVCRX\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260726-7606\", \"invoked_tools\": [\"get_operation_overview\"]}','2026-07-26 10:29:34'),('01KYEZXQCN7DTJ2YTKWVD0TZCH','01KYEZXQBXSWQGNVZ60ZHDFMNK','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYEZXQCN81F82M6QW7D19R0W\", \"service_no\": \"ZBT-20260726-8732\"}','2026-07-26 10:35:54'),('01KYEZXX45H196RCCN7K4VWZHE','01KYEZXQBXSWQGNVZ60ZHDFMNK','ASSISTANT','## 经营总览分析\n\n**结论：** 当前累计完成 **34笔订单**，其中 **22张保单** 处于有效状态，累计保费总额为 **5,318.00元**。\n\n---\n\n### 关键依据\n\n1. **订单总量**：34 笔\n2. **有效保单**：22 张（保单转化率约 64.7%）\n3. **累计保费**：5,318.00 元\n\n---\n\n### 建议关注点\n\n- **转化缺口**：订单到有效保单的转化率约 **64.7%**，建议关注其余约 35% 订单是否处于核保中、退保或失效状态，排查是否有流程阻塞或拒保集中问题。\n- **客单保费**：当前平均每张有效保单保费约 **241.73 元**，可结合产品结构判断是否符合预期客单价目标。\n\n如需进一步拆解按产品分类的保费分布、订单状态明细或推广渠道归因数据，请随时告知。','{\"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYEZXQCN81F82M6QW7D19R0W\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260726-8732\", \"invoked_tools\": [\"get_operation_overview\"]}','2026-07-26 10:35:59'),('01KYF02RZJQ1TNSGHXSX92KEN1','01KYF02RXY7YNS5A4X12HRAK11','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYF02RZH545C9XF9RDGS8ERV\", \"service_no\": \"ZBT-20260726-6588\"}','2026-07-26 10:38:39'),('01KYF032MYKDXNR4JV9DHATVVD','01KYF02RXY7YNS5A4X12HRAK11','ASSISTANT','## 结论\n\n截至当前，平台累计产生 **34 笔** 订单，其中 **22 张** 保单处于有效状态，累计保费规模 **5,318 元**。订单到保单的转化较为健康，但仍有一笔待付款订单需跟进。\n\n---\n\n## 关键发现\n\n1. **订单转化效率较高，待付款订单需关注。** 当前共有 **34 笔** 订单，有效保单 **22 张**，多数订单已成功出单。但近期订单中有 **1 笔** 家庭意外保障险（个人计划，99 元）仍处于 **PENDING_PAYMENT（待付款）** 状态，尚未生成保单，存在流失风险。\n\n2. **医疗险贡献主要保费，银龄守护医疗险出单集中。** 近期已出单保单中，银龄守护医疗险（银龄标准计划，199 元/张）出现 3 次，合计贡献保费 597 元；蓉惠基础医疗险（基础计划，239 元/张）为单笔保费最高的产品；家庭意外保障险（家庭计划，159 元/张）也有 1 张有效保单。医疗类产品在近期成交中占主导。\n\n3. **为父母投保比例较高，产品匹配家庭保障需求。** 近期 5 笔订单中，有 **3 笔** 关系为 **PARENT（为父母投保）**，均为银龄守护医疗险，反映出该产品精准匹配了用户为长辈配置医疗保障的需求。\n\n---\n\n## 建议关注\n\n- 关注 **家庭意外保障险（个人计划，99 元）** 待付款订单（订单号 ORD-20260726-B0000017），若超期未支付可考虑推送提醒或跟进转化。\n- 结合银龄守护医疗险的畅销趋势，可评估是否增加面向老年群体的保障计划或组合推荐策略。','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-B0000001\", \"issued_at\": \"2026-07-26 13:27:00+00:00\", \"plan_name\": \"基础计划\", \"policy_id\": \"4E25EC1DCC1CA1A657E360FB3D\", \"policy_no\": \"POL-20260726-B0000001\", \"coverage_end\": \"2027-07-27\", \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\", \"premium_cents\": 23900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-HZHQ4FEC\", \"issued_at\": \"2026-07-26 09:35:39+00:00\", \"plan_name\": \"家庭计划\", \"policy_id\": \"01KYEWFDQ5XE6Z3VPD5BWE4NHD\", \"policy_no\": \"POL-20260726-MHQSNF7A\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\", \"premium_cents\": 15900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-HRB37NF0\", \"issued_at\": \"2026-07-26 09:19:07+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVH4MXM1E8N278DQXC9JCT\", \"policy_no\": \"POL-20260726-58GE6SFK\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-QS0QFF5D\", \"issued_at\": \"2026-07-26 09:18:33+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVG38CBECJY6WY81N2WGBV\", \"policy_no\": \"POL-20260726-0DFPR7M0\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-ADRSWWMM\", \"issued_at\": \"2026-07-26 09:17:39+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVEEXEP7NSW1ZRP9VCSDFS\", \"policy_no\": \"POL-20260726-40NYF32G\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}], \"title\": \"近期保单\", \"total\": 24, \"entity\": \"policy\", \"version\": \"1.0\"}, {\"type\": \"business_list\", \"items\": [{\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"461FD2ED8AE93C66E3C05D90E2\", \"order_no\": \"ORD-20260726-B0000001\", \"plan_name\": \"基础计划\", \"policy_no\": \"POL-20260726-B0000001\", \"created_at\": \"2026-07-26 13:23:00+00:00\", \"amount_cents\": 23900, \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\"}, {\"status\": \"PENDING_PAYMENT\", \"currency\": \"CNY\", \"order_id\": \"9333E1EB99371B0149052F9A0B\", \"order_no\": \"ORD-20260726-B0000017\", \"plan_name\": \"个人计划\", \"policy_no\": null, \"created_at\": \"2026-07-26 12:31:00+00:00\", \"amount_cents\": 9900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEWFARF4SNZJM7NJ66BY4BB\", \"order_no\": \"ORD-20260726-HZHQ4FEC\", \"plan_name\": \"家庭计划\", \"policy_no\": \"POL-20260726-MHQSNF7A\", \"created_at\": \"2026-07-26 09:35:36+00:00\", \"amount_cents\": 15900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEVH4FGKDE2W5TWS9AS3PHJ\", \"order_no\": \"ORD-20260726-HRB37NF0\", \"plan_name\": \"银龄标准计划\", \"policy_no\": \"POL-20260726-58GE6SFK\", \"created_at\": \"2026-07-26 09:19:07+00:00\", \"amount_cents\": 19900, \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEVG32B12SMZNVQRRP4QGEG\", \"order_no\": \"ORD-20260726-QS0QFF5D\", \"plan_name\": \"银龄标准计划\", \"policy_no\": \"POL-20260726-0DFPR7M0\", \"created_at\": \"2026-07-26 09:18:33+00:00\", \"amount_cents\": 19900, \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\"}], \"title\": \"近期订单\", \"total\": 34, \"entity\": \"order\", \"version\": \"1.0\"}, {\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYF02RZH545C9XF9RDGS8ERV\", \"actions\": [{\"type\": \"open_admin_policies\", \"label\": \"进入保单中心\", \"payload\": {}, \"confirmation_required\": false}, {\"type\": \"open_admin_orders\", \"label\": \"进入订单中心\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": null, \"service_no\": \"ZBT-20260726-6588\", \"invoked_tools\": [\"list_recent_policies\", \"list_recent_orders\", \"get_operation_overview\"]}','2026-07-26 10:38:49'),('01KYF04V1STR2QG5QK9QABMXYJ','01KYF04V0CP6PJ738NQBY6HQ1W','USER','请分析当前订单、有效保单和累计保费情况。','{\"run_id\": \"01KYF04V1SF1DXZ1DDJCMXMJMV\", \"service_no\": \"ZBT-20260726-4136\"}','2026-07-26 10:39:47'),('01KYF055CJE80E9K40K3D9082D','01KYF04V0CP6PJ738NQBY6HQ1W','ASSISTANT','## 结论\n\n当前经营总览显示，共有 **34笔订单**，其中 **22张有效保单** 已承保在效，累计保费达到 **5,318元**。承保转化率约 **64.7%**，尚有提升空间。\n\n## 关键发现\n\n1. **承保转化存在缺口**：订单总量34笔，但有效保单仅22张，差额12笔。其中至少有1笔订单（家庭意外保障险·个人计划，99元）仍处于\"待支付\"状态，尚未完成承保，需关注支付推进。\n\n2. **医疗险与意外险贡献核心保费**：有效保单中，银龄守护医疗险（银龄标准计划，199元/单）和蓉惠基础医疗险（基础计划，239元/单）保费较高；家庭意外保障险以家庭计划（159元）为主要形态，产品结构偏向\"医疗+意外\"双线布局。\n\n3. **近期投保集中在同日，以\"为父母投保\"为主**：最近5笔订单中有3笔为银龄守护医疗险·银龄标准计划，投保关系为PARENT（为父母投保），说明面向老年群体的医疗险需求集中释放。\n\n## 建议关注\n\n- 跟进 **1笔待支付订单**（家庭意外保障险·个人计划，99元），及时提醒客户完成付款，以提升有效保单转化率。\n- 分析 **12笔未承保订单** 的具体原因（如支付失败、撤单、风控拦截等），定位转化流失的关键环节。','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-B0000001\", \"issued_at\": \"2026-07-26 13:27:00+00:00\", \"plan_name\": \"基础计划\", \"policy_id\": \"4E25EC1DCC1CA1A657E360FB3D\", \"policy_no\": \"POL-20260726-B0000001\", \"coverage_end\": \"2027-07-27\", \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\", \"premium_cents\": 23900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-HZHQ4FEC\", \"issued_at\": \"2026-07-26 09:35:39+00:00\", \"plan_name\": \"家庭计划\", \"policy_id\": \"01KYEWFDQ5XE6Z3VPD5BWE4NHD\", \"policy_no\": \"POL-20260726-MHQSNF7A\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\", \"premium_cents\": 15900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-HRB37NF0\", \"issued_at\": \"2026-07-26 09:19:07+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVH4MXM1E8N278DQXC9JCT\", \"policy_no\": \"POL-20260726-58GE6SFK\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-QS0QFF5D\", \"issued_at\": \"2026-07-26 09:18:33+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVG38CBECJY6WY81N2WGBV\", \"policy_no\": \"POL-20260726-0DFPR7M0\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-ADRSWWMM\", \"issued_at\": \"2026-07-26 09:17:39+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVEEXEP7NSW1ZRP9VCSDFS\", \"policy_no\": \"POL-20260726-40NYF32G\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}], \"title\": \"近期保单\", \"total\": 24, \"entity\": \"policy\", \"version\": \"1.0\"}, {\"type\": \"business_list\", \"items\": [{\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"461FD2ED8AE93C66E3C05D90E2\", \"order_no\": \"ORD-20260726-B0000001\", \"plan_name\": \"基础计划\", \"policy_no\": \"POL-20260726-B0000001\", \"created_at\": \"2026-07-26 13:23:00+00:00\", \"amount_cents\": 23900, \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\"}, {\"status\": \"PENDING_PAYMENT\", \"currency\": \"CNY\", \"order_id\": \"9333E1EB99371B0149052F9A0B\", \"order_no\": \"ORD-20260726-B0000017\", \"plan_name\": \"个人计划\", \"policy_no\": null, \"created_at\": \"2026-07-26 12:31:00+00:00\", \"amount_cents\": 9900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEWFARF4SNZJM7NJ66BY4BB\", \"order_no\": \"ORD-20260726-HZHQ4FEC\", \"plan_name\": \"家庭计划\", \"policy_no\": \"POL-20260726-MHQSNF7A\", \"created_at\": \"2026-07-26 09:35:36+00:00\", \"amount_cents\": 15900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEVH4FGKDE2W5TWS9AS3PHJ\", \"order_no\": \"ORD-20260726-HRB37NF0\", \"plan_name\": \"银龄标准计划\", \"policy_no\": \"POL-20260726-58GE6SFK\", \"created_at\": \"2026-07-26 09:19:07+00:00\", \"amount_cents\": 19900, \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEVG32B12SMZNVQRRP4QGEG\", \"order_no\": \"ORD-20260726-QS0QFF5D\", \"plan_name\": \"银龄标准计划\", \"policy_no\": \"POL-20260726-0DFPR7M0\", \"created_at\": \"2026-07-26 09:18:33+00:00\", \"amount_cents\": 19900, \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\"}], \"title\": \"近期订单\", \"total\": 34, \"entity\": \"order\", \"version\": \"1.0\"}, {\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYF04V1SF1DXZ1DDJCMXMJMV\", \"actions\": [{\"type\": \"open_admin_policies\", \"label\": \"进入保单中心\", \"payload\": {}, \"confirmation_required\": false}, {\"type\": \"open_admin_orders\", \"label\": \"进入订单中心\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/5a5ecac0-b679-4689-9103-a6855e0bac6c/r/a634d2c6-a0f9-4f4d-a9f7-a8ac6987d417?poll=true\", \"service_no\": \"ZBT-20260726-4136\", \"invoked_tools\": [\"list_recent_policies\", \"list_recent_orders\", \"get_operation_overview\"]}','2026-07-26 10:39:57'),('01KYF2193EM2ETEYD30Z09RQBJ','01KYF2192DZ3DYEQMW015EHP5Y','USER','我想给65岁的父亲买医疗险，常住成都，普通职业。','{\"run_id\": \"01KYF2193ER2FDYZW5P2D2X18J\", \"service_no\": \"ZBT-20260726-3593\"}','2026-07-26 11:12:47'),('01KYF21K1E50ET5C89APCRG1FY','01KYF2192DZ3DYEQMW015EHP5Y','ASSISTANT','---\n\n**需求判断**\n\n您想为**65岁的父亲**（成都常住、普通职业）配置医疗险，属于典型的**中老年医疗保障**需求。这个年龄段很多医疗险已无法投保，需要专门面向高龄人群的产品。\n\n**推荐建议**\n\n最匹配的是 **「银龄守护医疗险·银龄标准计划」**，专为50-75周岁人群设计，您父亲65岁完全符合条件，普通职业可投。经系统核验**资格通过**，年保费仅 **199元**，性价比很高。\n\n**下一步**\n\n如果您觉得合适，我可以为您生成**安全投保表单**，您只需填写基本信息即可进入投保流程。请问您现在要办理吗？','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\", \"summary\": \"\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"862E303871B9DFBC0175160C6D\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYF21EJVCR3AWABTDB61DRJY\", \"plan_name\": \"银龄标准计划\", \"expires_at\": \"2026-07-26 11:42:52.827548+00:00\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_name\": \"银龄守护医疗险\", \"premium_cents\": 19900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}], \"run_id\": \"01KYF2193ER2FDYZW5P2D2X18J\", \"actions\": [{\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYF21EJVCR3AWABTDB61DRJY\", \"plan_code\": \"SENIOR_STANDARD\", \"product_code\": \"MED-SENIOR\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/5a5ecac0-b679-4689-9103-a6855e0bac6c/r/20ada122-1f11-4675-ba2d-5b844b0bda75?poll=true\", \"service_no\": \"ZBT-20260726-3593\", \"invoked_tools\": [\"list_available_products\", \"calculate_insurance_quote\"]}','2026-07-26 11:12:57'),('01KYF2863QZ82RZ98Z5XA5GYRR','01KYF2862Y476WZ0PRY6B3G27E','USER','家庭意外保障险我想了解下','{\"run_id\": \"01KYF2863QXXD6JH9VE60WK8PC\", \"service_no\": \"ZBT-20260726-0596\"}','2026-07-26 11:16:34'),('01KYF28F0S6Q0C9P13ZAN60QMB','01KYF2862Y476WZ0PRY6B3G27E','ASSISTANT','---\n\n**需求判断**\n您想了解家庭意外保障，覆盖日常意外风险的保障。不过目前系统中在售的意外险产品暂无可选方案，仅有一款面向中老年人群的 **银龄守护医疗险（住院医疗保障）** 在售。\n\n**推荐建议**\n由于意外险暂无在售产品，如果您是为**家中的长辈（50~75周岁）** 考虑住院医疗保障，可以了解 **银龄守护医疗险（银龄标准计划）**；若不是，则暂无可推荐的家庭意外险产品。\n\n**下一步**\n请问您具体是想为自己、父母还是子女投保？被保险人当前的**年龄**和**常住地区**是多少？这些信息能帮助我进一步判断是否有合适的产品匹配您的需求。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\", \"summary\": \"\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}], \"run_id\": \"01KYF2863QXXD6JH9VE60WK8PC\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/5a5ecac0-b679-4689-9103-a6855e0bac6c/r/c6bd38f6-52a0-404d-8592-c4612df4660d?poll=true\", \"service_no\": \"ZBT-20260726-0596\", \"invoked_tools\": [\"list_available_products\", \"list_available_products\"]}','2026-07-26 11:16:43'),('01KYF2SJ8Q94VM68VSF9WBHEG5','01KYF2SJ51TJ5JTJ4JK7E99974','USER','给65岁的父亲推荐成都医疗险并测算保费','{\"run_id\": \"01KYF2SJ8QQ0D54BHBTKHBWXC8\", \"service_no\": \"ZBT-20260726-7320\"}','2026-07-26 11:26:03'),('01KYGTA4REMKSDJ6YW4PPW7P5Q','01KYGTA49Q2DMQYKANE1WVNJMP','USER','我想给65岁的父亲买医疗险，常住成都，普通职业。','{\"run_id\": \"01KYGTA4REWVZ0T78VR0GGXQP3\", \"service_no\": \"ZBT-20260727-5300\"}','2026-07-27 03:36:18'),('01KYGTASC9WRZSCN50KF043M3C','01KYGTA49Q2DMQYKANE1WVNJMP','ASSISTANT','---\n\n**需求判断**\n您想为65岁的父亲配置医疗险，父亲常驻成都、属于普通职业，投保关系为子女为父母投保。目前已通过资格校验，两款产品均符合投保条件。\n\n**推荐建议**\n\n优先推荐 **「银龄守护医疗险·银龄标准计划」**（年保费 **199元**，保额 **100万元**）\n- 专为50～75岁中老年人设计，年龄匹配度高，65岁正适合\n- 覆盖住院医疗及高发疾病费用，保费亲民，性价比突出\n\n备选：**「蓉惠升级医疗险·标准计划」**（年保费 **399元**，保额 **300万元**）\n- 保障额度更高，但年龄刚好卡在65岁上限，未来续保灵活性不如前者\n\n**下一步**\n如果您对以上推荐满意，可以直接告诉我 **“我要投保”**，我为您生成安全投保表单入口，在线填写信息即可完成投保。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\", \"max_age\": 75, \"min_age\": 50, \"summary\": \"面向中老年人群的住院医疗计划，覆盖高发疾病住院费用。\", \"premium_cents\": 19900, \"coverage_amount_cents\": 100000000}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"提供更高医疗额度和扩展责任，适合重视全面保障的家庭。\", \"premium_cents\": 59900, \"coverage_amount_cents\": 600000000}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"提升医疗保障额度，兼顾常见疾病住院和重大疾病医疗支出。\", \"premium_cents\": 39900, \"coverage_amount_cents\": 300000000}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"4996553FFF77E2393AF62FC7A2\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYGTAJYYXNZG3YRB9PWQ634G\", \"plan_name\": \"标准计划\", \"expires_at\": \"2026-07-27 04:06:32.478459+00:00\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_name\": \"蓉惠升级医疗险\", \"premium_cents\": 39900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"862E303871B9DFBC0175160C6D\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYGTAJYNX6QS7NDZ0M61X45X\", \"plan_name\": \"银龄标准计划\", \"expires_at\": \"2026-07-27 04:06:32.469757+00:00\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_name\": \"银龄守护医疗险\", \"premium_cents\": 19900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}], \"run_id\": \"01KYGTA4REWVZ0T78VR0GGXQP3\", \"actions\": [{\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYGTAJYYXNZG3YRB9PWQ634G\", \"plan_code\": \"STANDARD\", \"product_code\": \"MED-UPGRADE\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}, {\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYGTAJYNX6QS7NDZ0M61X45X\", \"plan_code\": \"SENIOR_STANDARD\", \"product_code\": \"MED-SENIOR\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/5a5ecac0-b679-4689-9103-a6855e0bac6c/r/0e7d6f62-7c9d-42e7-a950-644c76ab3421?poll=true\", \"service_no\": \"ZBT-20260727-5300\", \"invoked_tools\": [\"list_available_products\", \"calculate_insurance_quote\", \"calculate_insurance_quote\"]}','2026-07-27 03:36:39'),('01KYM2MNKTWDHAXSWBFJP0N4XP','01KYM2M73HD8NPDVNX80EZWVH0','USER','医疗险等待期是多少天？请给出条款来源。','{\"run_id\": \"01KYM2M75D7EV8JR3R4ZG63TK0\", \"service_no\": \"ZBT-20260728-0579\"}','2026-07-28 09:59:20'),('01KYM2MNMH7YA4RW7QTEQPYT7S','01KYM2M73HD8NPDVNX80EZWVH0','ASSISTANT','**结论** \n疾病医疗责任的等待期为 **30天**；因意外伤害产生的符合约定的医疗费用 **不受等待期限制**。\n\n**依据** \n来源文件：《安心医疗险保险条款》版本 v1，原文为“疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。”\n\n**提醒** \n等待期仅适用于疾病导致的医疗费用，意外事故造成的就医没有等待期，保单生效后即可申请理赔。如果您想了解具体产品的保障计划或保费，欢迎告诉我您的需求。','{\"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.9708098867787516, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.8728455042003711, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"## 等待期\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.129915337704659, \"title\": \"家庭意外保障常见问题\", \"excerpt\": \"## 保障何时生效\", \"document_id\": \"01KYHCBTWW1PYTNWF7KGNKCJ8V\", \"source_name\": \"家庭意外保障常见问题.md\", \"document_version\": 1}, {\"score\": 0.09054272779166764, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.04663191314972546, \"title\": \"家庭意外保障常见问题\", \"excerpt\": \"用户可以在智保通 H5 的“我的保障”中查看本人账号下的电子保单和保障期限。\", \"document_id\": \"01KYHCBTWW1PYTNWF7KGNKCJ8V\", \"source_name\": \"家庭意外保障常见问题.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"run_id\": \"01KYM2M75D7EV8JR3R4ZG63TK0\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/49433bc1-73e1-40dd-8bf4-d740705d0e54?poll=true\", \"service_no\": \"ZBT-20260728-0579\", \"invoked_tools\": [\"search_insurance_knowledge\"]}','2026-07-28 09:59:35'),('01KYMH8QXJAT3AKNFE8Z6DX5T9','01KYMH856E84CE5CHWD2FW9JX5','USER','安心医疗险的疾病等待期是多少天？意外是否受等待期限制？','{\"run_id\": \"01KYMH8597KKWSJJ8AE0P2DET3\", \"service_no\": \"ZBT-20260728-0624\"}','2026-07-28 14:14:53'),('01KYMH8QYQ8ZM9KY7E7976FCXE','01KYMH856E84CE5CHWD2FW9JX5','ASSISTANT','**结论**\n\n- **疾病等待期：** 安心医疗险的疾病医疗责任等待期为 **30天**。\n- **意外是否受限：** 因意外伤害产生的符合约定的医疗费用 **不受等待期限制**，投保生效后因意外就医即可按约定申请报销。\n\n**依据**\n\n安心医疗险保险条款（版本 v1）明确规定：「疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。」（来源：安心医疗险保险条款.md）\n\n**提醒**\n\n等待期内因疾病发生的医疗费用通常不在保障范围内，建议投保后留意时间节点。意外保障则无此限制，若您经常出差或从事较高风险活动，也可搭配意外险加强保障。如需进一步了解产品详情或测算保费，欢迎随时告诉我。','{\"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.9782576105819007, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.8628580599009172, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"## 等待期\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.45523912445319575, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.3471510277172714, \"title\": \"家庭意外保障常见问题\", \"excerpt\": \"家庭意外保障主要覆盖意外伤害相关责任，不替代疾病医疗保险。需要疾病住院医疗保障时，应选择医疗险产品。\", \"document_id\": \"01KYHCBTWW1PYTNWF7KGNKCJ8V\", \"source_name\": \"家庭意外保障常见问题.md\", \"document_version\": 1}, {\"score\": 0.17092441583111553, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"# 安心医疗险保险条款\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"run_id\": \"01KYMH8597KKWSJJ8AE0P2DET3\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/9891e028-fe2c-47d8-bb51-96915d3c55bf?poll=true\", \"service_no\": \"ZBT-20260728-0624\", \"invoked_tools\": [\"search_insurance_knowledge\"]}','2026-07-28 14:15:13'),('01KYMHM451PX5Q0XSGZNRF0QQZ','01KYMH856E84CE5CHWD2FW9JX5','USER','安心医疗险是否可以报销海外整形手术？具体报销比例是多少？','{\"run_id\": \"01KYMHJPQ6DRKJ52GDRVPEW5N0\", \"service_no\": \"ZBT-20260728-4884\"}','2026-07-28 14:20:39'),('01KYMHM45TDBRG9XANSM962W03','01KYMH856E84CE5CHWD2FW9JX5','ASSISTANT','**结论**\n\n- **海外整形手术能否报销？** 一般情况下 **不能报销**。安心医疗险条款明确将「非医学必需的美容项目」列入责任免除范围，海外整形手术通常属于此类。\n- **报销比例是多少？** 关于海外医疗的 **具体报销比例，暂未检索到明确数据**。\n\n**依据**\n\n安心医疗险保险条款（版本 v1）责任免除部分明确说明：「投保前已经确诊但未如实告知的疾病、**非医学必需的美容项目**、违法犯罪行为造成的伤害，不属于本产品保障责任。」（来源：安心医疗险保险条款.md，版本v1）\n\n同时条款也指出：「具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。」（来源：安心医疗险保险条款.md，版本v1）\n\n**提醒**\n\n- 如果整形手术是因意外伤害（如严重烧伤）后经医生认定为 **医学必需修复治疗**，可能不属于纯粹的美容项目，建议以电子保单中具体计划的保障范围为准。\n- 海外医疗机构是否属于产品「认可的医疗机构」，也需视具体产品版本而定，如有需要可提供您已投保的保障计划信息作进一步核对。','{\"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.4629245029097904, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"投保前已经确诊但未如实告知的疾病、非医学必需的美容项目、违法犯罪行为造成的伤害，不属于本产品保障责任。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.3871063146992115, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"## 责任免除\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.19353755201884665, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"# 安心医疗险保险条款\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.17194880503070045, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.05373833726726606, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}, {\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.8118771105660736, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.10107536473703782, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"# 安心医疗险保险条款\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.060005319369585496, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.017018781142089802, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.007228622055110218, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"投保前已经确诊但未如实告知的疾病、非医学必需的美容项目、违法犯罪行为造成的伤害，不属于本产品保障责任。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"run_id\": \"01KYMHJPQ6DRKJ52GDRVPEW5N0\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/a5dc683e-b78b-4a66-9ec3-0d79b7e704fd?poll=true\", \"service_no\": \"ZBT-20260728-4884\", \"invoked_tools\": [\"search_insurance_knowledge\", \"search_insurance_knowledge\"]}','2026-07-28 14:21:26'),('01KYMJQW02PBHJRSR23JFE6KH9','01KYMJQ7JYR4J0HB4KVBWY1PZD','USER','安心医疗险是否可以报销海外整形手术？具体报销比例是多少？','{\"run_id\": \"01KYMJQ7N6KGSD43T8ZYCFDWMH\", \"service_no\": \"ZBT-20260728-5131\"}','2026-07-28 14:40:36'),('01KYMJQW0QEVJCQTAR5GAV72CS','01KYMJQ7JYR4J0HB4KVBWY1PZD','ASSISTANT','## 结论\n\n**1. 海外整形手术能否报销？**\n\n安心医疗险条款明确将 **\"非医学必需的美容项目\"** 列为不保障责任。但\"海外整形手术\"这一具体情形在条款中未直接列出，无法确定是否属于该免责范围。\n\n依据来源：《安心医疗险保险条款.md》版本v1 —— \"投保前已经确诊但未如实告知的疾病、**非医学必需的美容项目**、违法犯罪行为造成的伤害，不属于本产品保障责任。\"\n\n**2. 具体报销比例是多少？**\n\n当前知识库未明确，无法确定。\n\n依据来源：《安心医疗险保险条款.md》版本v1 —— \"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\"\n\n---\n\n## 提醒\n\n如需确认您所持有保单的具体保障范围，请核对电子保单中的保障计划及责任条款，或联系保险公司人工客服核实。最终理赔结论以保险公司审核结果为准。','{\"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.18006971744946243, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"投保前已经确诊但未如实告知的疾病、非医学必需的美容项目、违法犯罪行为造成的伤害，不属于本产品保障责任。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.11832414517693823, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"# 安心医疗险保险条款\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.10648433011928415, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.05517961898352904, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.01755112941490978, \"title\": \"医疗费用报销协助服务规则\", \"excerpt\": \"智保通提供材料整理和申请协助，不代表保险公司作出赔付承诺。最终处理结论以审核结果为准。\", \"document_id\": \"01KYHCBQGAZSQ2DCQ5DS53C21K\", \"source_name\": \"医疗费用报销协助服务规则.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"run_id\": \"01KYMJQ7N6KGSD43T8ZYCFDWMH\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/ce1b4422-e9f4-4b53-a728-8a48e5b33230?poll=true\", \"service_no\": \"ZBT-20260728-5131\", \"invoked_tools\": [\"list_available_products\", \"search_insurance_knowledge\"]}','2026-07-28 14:40:57'),('01KYMK6VBGKCDQMVAYAMAA3T51','01KYMJQ7JYR4J0HB4KVBWY1PZD','USER','安心医疗险是否可以报销海外整形手术？具体报销比例是多少？','{\"run_id\": \"01KYMK6Q4A31JXHG6NGQ3XECEQ\", \"service_no\": \"ZBT-20260728-2390\"}','2026-07-28 14:49:03'),('01KYMK6VC18E775YJRVZ5H73HN','01KYMJQ7JYR4J0HB4KVBWY1PZD','ASSISTANT','## 结论\n\n**1. 海外整形手术能否报销？**\n\n安心医疗险条款明确将 **\"非医学必需的美容项目\"** 列为不保障责任。但\"海外整形手术\"这一具体情形在条款中未直接列出，当前知识库未明确，无法确定是否属于该免责范围。\n\n依据来源：《安心医疗险保险条款.md》版本v1 —— \"投保前已经确诊但未如实告知的疾病、**非医学必需的美容项目**、违法犯罪行为造成的伤害，不属于本产品保障责任。\"\n\n**2. 具体报销比例是多少？**\n\n当前知识库未明确，无法确定。\n\n依据来源：《安心医疗险保险条款.md》版本v1 —— \"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\"\n\n---\n\n## 提醒\n\n如需确认您所持有保单的具体保障范围，请核对电子保单中的保障计划及责任条款，或联系保险公司人工客服核实。最终理赔结论以保险公司审核结果为准。','{\"cards\": [], \"run_id\": \"01KYMK6Q4A31JXHG6NGQ3XECEQ\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260728-2390\", \"invoked_tools\": []}','2026-07-28 14:49:08'),('01KYMKGRXASXB15M4F8DP4ZDBR','01KYMJQ7JYR4J0HB4KVBWY1PZD','USER','你是谁？','{\"run_id\": \"01KYMKGN3HKQQYM5W3NHFT22SM\", \"service_no\": \"ZBT-20260728-7683\"}','2026-07-28 14:54:29'),('01KYMKGRXKNDC8S54PJ362FN02','01KYMJQ7JYR4J0HB4KVBWY1PZD','ASSISTANT','我是“智保通”，你的客户保障顾问。我的任务是帮你理解保障需求，并通过已授权的工具给出真实、可核验的投保建议和保险知识解答。有任何保险相关的问题都可以问我！','{\"cards\": [], \"run_id\": \"01KYMKGN3HKQQYM5W3NHFT22SM\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260728-7683\", \"invoked_tools\": []}','2026-07-28 14:54:33'),('01KYMMFCV25RVWEX9EXND6FV06','01KYMJQ7JYR4J0HB4KVBWY1PZD','USER','安心医疗险是否可以报销海外整形手术？具体报销比例是多少？','{\"run_id\": \"01KYMMEGBZ1JQDRMTVDEX7HCJB\", \"service_no\": \"ZBT-20260728-8321\"}','2026-07-28 15:10:47'),('01KYMMFCVY91GB1GS48G3CZHGP','01KYMJQ7JYR4J0HB4KVBWY1PZD','ASSISTANT','## 结论\n\n**1. 安心医疗险是否可以报销海外整形手术？**\n\n安心医疗险条款明确：**\"非医学必需的……整形……和其他以改善外观为主要目的的项目\"** 不属于保障责任。因此，如果\"海外整形手术\"是以改善外观为目的的非医学必需整形，则不予报销；如果是医学必需的整形手术（如创伤修复等），当前知识库未明确能否报销。\n\n依据来源：《01-安心医疗险保障责任与报销规则.md》版本v1 —— \"非医学必需的美容、**整形**、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\"\n\n同时，条款也提示：判断具体医疗费用能否报销时，应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。\n\n**2. 具体报销比例是多少？**\n\n对于不属于保障责任的项目，报销比例为 **0%**。\n\n依据来源：同上述条款 —— \"不属于保障责任的……报销比例为0%。\"\n\n---\n\n## 提醒\n\n建议您核对电子保单中具体的保障计划与免责条款，确认手术的治疗目的和就医地域是否在保障范围内。如需进一步确认，可联系保险公司人工客服。最终结论以保险公司审核为准。','{\"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.7689469594406012, \"title\": \"01-安心医疗险保障责任与报销规则\", \"excerpt\": \"非医学必需的美容、整形、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\", \"document_id\": \"01KYMJMBN6NDK2ZYECJT3BHD0R\", \"source_name\": \"01-安心医疗险保障责任与报销规则.md\", \"document_version\": 1}, {\"score\": 0.4215327521192904, \"title\": \"01-安心医疗险保障责任与报销规则\", \"excerpt\": \"不属于保障范围的医疗费用不参与比例计算，报销比例为0%。\", \"document_id\": \"01KYMJMBN6NDK2ZYECJT3BHD0R\", \"source_name\": \"01-安心医疗险保障责任与报销规则.md\", \"document_version\": 1}, {\"score\": 0.1924699749924405, \"title\": \"01-安心医疗险保障责任与报销规则\", \"excerpt\": \"判断具体医疗费用能否报销时，应同时核对治疗目的、就医地域、医疗机构、医疗费用性质和电子保单对应的产品版本。任一条件不满足时，不得只根据报销比例推断可以赔付。\", \"document_id\": \"01KYMJMBN6NDK2ZYECJT3BHD0R\", \"source_name\": \"01-安心医疗险保障责任与报销规则.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"run_id\": \"01KYMMEGBZ1JQDRMTVDEX7HCJB\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/140259ae-5ad8-4390-ac02-c2280d089897?poll=true\", \"service_no\": \"ZBT-20260728-8321\", \"invoked_tools\": [\"search_insurance_knowledge\"]}','2026-07-28 15:11:16'),('01KYMN0B5EH9QNV1H9JC7PDDG5','01KYMJQ7JYR4J0HB4KVBWY1PZD','USER','安心医疗险是否可以报销海外整形手术？具体报销比例是多少？','{\"run_id\": \"01KYMMZD5QE0CBCE489DDQSFXA\", \"service_no\": \"ZBT-20260728-3189\"}','2026-07-28 15:20:01'),('01KYMN0B61P46YMN3RKC4YDM7P','01KYMJQ7JYR4J0HB4KVBWY1PZD','ASSISTANT','## 结论\n\n**1. 安心医疗险是否可以报销海外整形手术？**\n\n安心医疗险条款规定：**非医学必需的整形、美容以及以改善外观为主要目的的项目不属于保障责任**。因此，如果\"海外整形手术\"是以改善外观为目的的非医学必需整形，则不予报销。\n\n关于\"海外\"（就医地域）这一因素，条款提示判断报销时应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。当前知识库未明确安心医疗险是否保障海外就医产生的医疗费用，因此无法确定海外场景下的具体适用情况。\n\n依据来源：《01-安心医疗险保障责任与报销规则.md》版本v1 —— \"非医学必需的美容、**整形**、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\"以及\"判断具体医疗费用能否报销时，应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。\"\n\n**2. 具体报销比例是多少？**\n\n对于不属于保障责任的项目，报销比例为 **0%**。\n\n依据来源：同上 —— \"不属于保障责任的……报销比例为0%。\"\n\n---\n\n## 提醒\n\n建议您核对电子保单中具体的保障计划与免责条款，同时关注产品对就医地域（是否限中国大陆境内）的规定。如需进一步确认，可联系保险公司人工客服。最终结论以保险公司审核为准。','{\"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.7401487300773593, \"title\": \"01-安心医疗险保障责任与报销规则\", \"excerpt\": \"非医学必需的美容、整形、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\", \"excerpts\": [\"非医学必需的美容、整形、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\", \"不属于保障范围的医疗费用不参与比例计算，报销比例为0%。\"], \"document_id\": \"01KYMJMBN6NDK2ZYECJT3BHD0R\", \"source_name\": \"01-安心医疗险保障责任与报销规则.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"run_id\": \"01KYMMZD5QE0CBCE489DDQSFXA\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/109e5948-6db7-40ae-bf4d-06c52ecab00c?poll=true\", \"service_no\": \"ZBT-20260728-3189\", \"invoked_tools\": [\"search_insurance_knowledge\"]}','2026-07-28 15:20:32'),('01KYMN1G8CCX2FM1ZS0WC3Q1CW','01KYMJQ7JYR4J0HB4KVBWY1PZD','USER','安心医疗险是否可以报销海外整形手术？具体报销比例是多少？','{\"run_id\": \"01KYMN187F0WCT1D4SHBWV1EJ0\", \"service_no\": \"ZBT-20260728-2560\"}','2026-07-28 15:21:01'),('01KYMN1G8PFKWD5AVKPA0RDDMX','01KYMJQ7JYR4J0HB4KVBWY1PZD','ASSISTANT','## 结论\n\n**1. 安心医疗险是否可以报销海外整形手术？**\n\n安心医疗险条款规定：**非医学必需的整形、美容以及以改善外观为主要目的的项目不属于保障责任**，报销比例为0%。\n\n关于\"海外\"这一地域因素，条款提示判断报销时应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。当前知识库**未明确**安心医疗险是否保障海外就医产生的医疗费用，因此无法确定海外场景下的具体适用情况。\n\n对于\"医学必需的整形手术\"（如创伤修复、烧伤后功能重建等），当前知识库也**未明确**是否属于保障范围，无法确定。\n\n依据来源：《01-安心医疗险保障责任与报销规则.md》版本v1 —— \"非医学必需的美容、**整形**、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\"以及\"判断具体医疗费用能否报销时，应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。\"\n\n**2. 具体报销比例是多少？**\n\n- 如果属于**非医学必需的整形**（以改善外观为目的）：报销比例为 **0%**。\n- 如果是其他情形（如医学必需整形、海外就医等）：当前知识库未明确对应报销比例，**无法确定**。\n\n依据来源：同上条款中\"不属于保障责任的……报销比例为0%\"。\n\n---\n\n## 提醒\n\n建议您：\n1. **核对电子保单**中的保障计划与免责条款，确认产品是否限定中国大陆境内就医。\n2. 明确手术的具体目的（医学必需还是改善外观），不同目的对应不同的审核结果。\n3. 如需进一步确认，可联系保险公司人工客服。\n\n最终理赔结论以保险公司审核为准。','{\"cards\": [], \"run_id\": \"01KYMN187F0WCT1D4SHBWV1EJ0\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/57633806-3b93-48bd-8db5-051203b94c83?poll=true\", \"service_no\": \"ZBT-20260728-2560\", \"invoked_tools\": []}','2026-07-28 15:21:10'),('01KYMR2GFG89GV802FXAQ0MZH7','01KYMR21891SCJVNBA73RXA18R','USER','我想给65岁的父亲买一份成都地区的医疗保险，请推荐合适方案并测算标准计划保费。','{\"run_id\": \"01KYMR21HP6B0VWPEPRX9PRCPD\", \"service_no\": \"ZBT-20260728-2814\"}','2026-07-28 16:13:53'),('01KYMR2GGM6GSWZ0QEKHYR6SCN','01KYMR21891SCJVNBA73RXA18R','ASSISTANT','两款产品均通过资格校验，您父亲（65岁，成都地区）符合投保条件。以下是推荐方案：\n\n---\n\n## 🏆 推荐方案：蓉惠升级医疗险（标准计划）\n\n**推荐理由**：您提到\"标准计划\"，该产品正好设有**标准计划**档位，保障额度更高（300万），兼顾常见住院与重大疾病医疗支出，性价比突出，尤其适合65岁长辈的医疗保障需求。\n\n### 两款可选方案对比\n\n| 产品 | 计划 | 年保费 | 保障额度 |\n|------|------|--------|---------|\n| **蓉惠升级医疗险** ✅ | **标准计划** | **399元/年** | **300万元** |\n| 蓉惠基础医疗险 | 基础计划 | 239元/年 | 200万元 |\n\n两款65岁父亲均**资格通过、可投保**。\n\n---\n\n## 下一步\n\n如果您倾向**蓉惠升级医疗险·标准计划**（399元/年，300万保障），请告诉我，我立即为您生成安全投保表单，引导您完成投保信息填写。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"覆盖住院医疗及约定门诊费用，适合首次配置医疗保障的人群。\", \"premium_cents\": 23900, \"coverage_amount_cents\": 200000000}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"提供更高医疗额度和扩展责任，适合重视全面保障的家庭。\", \"premium_cents\": 59900, \"coverage_amount_cents\": 600000000}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"提升医疗保障额度，兼顾常见疾病住院和重大疾病医疗支出。\", \"premium_cents\": 39900, \"coverage_amount_cents\": 300000000}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYMR2BA2WQVR11VTAHGWA8E9\", \"plan_name\": \"基础计划\", \"expires_at\": \"2026-07-28 16:44:03.074692+00:00\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_name\": \"蓉惠基础医疗险\", \"premium_cents\": 23900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"4996553FFF77E2393AF62FC7A2\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYMR2BBPFHYXWTFYKFEKN290\", \"plan_name\": \"标准计划\", \"expires_at\": \"2026-07-28 16:44:03.126345+00:00\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_name\": \"蓉惠升级医疗险\", \"premium_cents\": 39900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}], \"run_id\": \"01KYMR21HP6B0VWPEPRX9PRCPD\", \"actions\": [{\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYMR2BA2WQVR11VTAHGWA8E9\", \"plan_code\": \"BASIC\", \"product_code\": \"MED-BASIC\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}, {\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYMR2BBPFHYXWTFYKFEKN290\", \"plan_code\": \"STANDARD\", \"product_code\": \"MED-UPGRADE\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/ac43eb6a-513f-490d-8cca-1d1ae4d94391?poll=true\", \"service_no\": \"ZBT-20260728-2814\", \"invoked_tools\": [\"list_available_products\", \"calculate_insurance_quote\", \"calculate_insurance_quote\"]}','2026-07-28 16:14:08'),('01KYMR3293GTNHXPQQAK1FG988','01KYMR2MXER6VSBBWFH24HTPDG','USER','我想给65岁的父亲买一份成都地区的医疗保险，请推荐合适方案并测算标准计划保费。','{\"run_id\": \"01KYMR2MZE9KMP0KSNJR3V597C\", \"service_no\": \"ZBT-20260728-5378\"}','2026-07-28 16:14:13'),('01KYMR32A11ZR6K2P7ACYF3YC7','01KYMR2MXER6VSBBWFH24HTPDG','ASSISTANT','好的，为您查询到以下结果——\n\n---\n\n## 需求判断\n\n您为 **65岁父亲** 投保成都地区医疗险，投保关系为子女为父母投保。两款在售产品均支持该年龄且资格校验通过。\n\n---\n\n## 推荐建议\n\n### 首选推荐：蓉惠升级医疗险 · 标准计划\n- **产品名称**：蓉惠升级医疗险\n- **计划名称**：标准计划\n- **保障额度**：300万元\n- **年保费**：**399.00元**\n- 适合希望获得较高医疗保障额度、兼顾常见住院和重大疾病医疗支出的家庭。\n\n### 备选参考：蓉惠基础医疗险 · 基础计划\n- **产品名称**：蓉惠基础医疗险\n- **计划名称**：基础计划\n- **保障额度**：200万元\n- **年保费**：**239.00元**\n- 覆盖常见住院医疗费用，性价比高，适合基础保障需求。\n\n---\n\n## 下一步\n\n两款产品65岁父亲均符合投保资格。如需进一步了解保障责任和免责条款，我可以为您查询详细条款内容。若您确定投保 **蓉惠升级医疗险·标准计划**，我可以为您生成安全投保表单入口。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"覆盖住院医疗及约定门诊费用，适合首次配置医疗保障的人群。\", \"premium_cents\": 23900, \"coverage_amount_cents\": 200000000}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"提供更高医疗额度和扩展责任，适合重视全面保障的家庭。\", \"premium_cents\": 59900, \"coverage_amount_cents\": 600000000}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"提升医疗保障额度，兼顾常见疾病住院和重大疾病医疗支出。\", \"premium_cents\": 39900, \"coverage_amount_cents\": 300000000}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYMR2V122QMHBENC2WX5TXJ4\", \"plan_name\": \"基础计划\", \"expires_at\": \"2026-07-28 16:44:19.170070+00:00\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_name\": \"蓉惠基础医疗险\", \"premium_cents\": 23900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"4996553FFF77E2393AF62FC7A2\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYMR2V1EZFD4JZ0D2VPWTFDR\", \"plan_name\": \"标准计划\", \"expires_at\": \"2026-07-28 16:44:19.182098+00:00\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_name\": \"蓉惠升级医疗险\", \"premium_cents\": 39900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}], \"run_id\": \"01KYMR2MZE9KMP0KSNJR3V597C\", \"actions\": [{\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYMR2V122QMHBENC2WX5TXJ4\", \"plan_code\": \"BASIC\", \"product_code\": \"MED-BASIC\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}, {\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYMR2V1EZFD4JZ0D2VPWTFDR\", \"plan_code\": \"STANDARD\", \"product_code\": \"MED-UPGRADE\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/d543880b-a360-4e48-918c-aef33f8a65c1?poll=true\", \"service_no\": \"ZBT-20260728-5378\", \"invoked_tools\": [\"list_available_products\", \"calculate_insurance_quote\", \"calculate_insurance_quote\"]}','2026-07-28 16:14:27'),('01KYMR3AKD9FN7N4NM3CD1CM61','01KYMR2GN2JXWZKBBYQYJ599A9','USER','安心医疗险疾病医疗等待期是多少天？请给出条款依据。','{\"run_id\": \"01KYMR2GQ5R36P62NGTQ4VG7E3\", \"service_no\": \"ZBT-20260728-7943\"}','2026-07-28 16:14:09'),('01KYMR3AMCA892EK00YTN0J8TP','01KYMR2GN2JXWZKBBYQYJ599A9','ASSISTANT','**结论**\n\n安心医疗险疾病医疗责任的等待期为 **30天**。因意外伤害产生的符合约定的医疗费用不受等待期限制。\n\n**依据**\n\n安心医疗险保险条款（版本v1）中明确写明：\"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\"\n\n来源：**安心医疗险保险条款.md**（版本v1）\n\n**提醒**\n\n等待期从保险合同生效之日起计算，在等待期内因疾病发生的医疗费用通常不在保障范围内。建议以您电子保单中的具体条款约定为准，如有疑问可联系人工客服进一步确认。','{\"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.048651507139079855, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\", \"excerpts\": [\"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\"], \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"run_id\": \"01KYMR2GQ5R36P62NGTQ4VG7E3\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/0fd8ed92-18f7-4d24-9de0-139d0b3f0e10?poll=true\", \"service_no\": \"ZBT-20260728-7943\", \"invoked_tools\": [\"list_available_products\", \"search_insurance_knowledge\"]}','2026-07-28 16:14:35'),('01KYMR3SWP3594ZX7W10SY7CY7','01KYMR3D49EMEZ4CA8253DMV4E','USER','请分析当前订单、有效保单和累计保费情况，并说明数据依据。','{\"run_id\": \"01KYMR3D7ETRG41D0V1730YX4E\", \"service_no\": \"ZBT-20260728-6592\"}','2026-07-28 16:14:38'),('01KYMR3SWXFR5S1SA54KZ3XZ2Y','01KYMR3D49EMEZ4CA8253DMV4E','ASSISTANT','## 结论\n\n当前经营总览显示，累计产生 **83 笔**订单，其中 **54 张**保单处于有效状态，累计保费收入 **13,766.00 元**，整体保单转化率约 **65.1%**，经营状态稳健。\n\n## 关键发现\n\n1. **订单转化效率良好**——当前累计订单 83 笔，有效保单 54 张，订单到有效保单的转化率约为 65.1%，说明大部分订单已完成承保并保持有效。\n2. **累计保费规模清晰**——累计保费总额为 **13,766.00 元**，折算平均每张有效保单保费约 255 元，产品以普惠型或短期险种为主。\n3. **数据口径说明**——上述指标（订单总量、有效保单数、累计保费）均来自 `get_operation_overview` 工具的实时查询结果，统计范围为当前管理员权限下的全部数据，计量单位分别为笔、张和元。\n\n## 建议关注\n\n- 可进一步按产品维度拆分订单和保单，识别哪类产品转化率最高，为后续推广资源倾斜提供依据。\n- 建议关注订单中已失效或未承保的约 29 笔差额，排查是否存在核保拒绝、未支付或撤单等情况。','{\"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 83}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 54}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 13766.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYMR3D7ETRG41D0V1730YX4E\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/d08f7f11-c823-49ac-a438-2ba396c2fdfa?poll=true\", \"service_no\": \"ZBT-20260728-6592\", \"invoked_tools\": [\"get_operation_overview\"]}','2026-07-28 16:14:51'),('01KYMR4AE0MXSR4PJBGBAGHG3B','01KYMR32CTDMPA974Z2MX4XDF9','USER','安心医疗险疾病医疗等待期是多少天？请给出条款依据。','{\"run_id\": \"01KYMR32E0WNWC0Q5V9KCK5GA8\", \"service_no\": \"ZBT-20260728-7657\"}','2026-07-28 16:14:27'),('01KYMR4AEY5M66X24HK1MWW7F2','01KYMR32CTDMPA974Z2MX4XDF9','ASSISTANT','## 结论\n\n安心医疗险的**疾病医疗责任等待期为30天**。因意外伤害产生的符合约定的医疗费用不受等待期限制。\n\n## 依据\n\n来源文件：《安心医疗险保险条款.md》（版本v1）中明确载明：\n\n> \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\"\n\n## 提醒\n\n上述等待期条款适用于安心医疗险（产品编码：MED-BASIC，即蓉惠基础医疗险）。具体保障责任、免赔额和医院范围，请以您电子保单对应的产品版本和保障计划为准。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"覆盖住院医疗及约定门诊费用，适合首次配置医疗保障的人群。\", \"premium_cents\": 23900, \"coverage_amount_cents\": 200000000}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.04891591750396616, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"## 等待期\", \"excerpts\": [\"## 等待期\", \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\"], \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"run_id\": \"01KYMR32E0WNWC0Q5V9KCK5GA8\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/27a9bfcc-a0a8-4272-9bb7-49dcdec6cd25?poll=true\", \"service_no\": \"ZBT-20260728-7657\", \"invoked_tools\": [\"list_available_products\", \"search_insurance_knowledge\"]}','2026-07-28 16:15:08'),('01KYMR4PX62YQTZVEFZKZS50E3','01KYMR4APB740H9RWBE6EFD2FH','USER','请分析当前订单、有效保单和累计保费情况，并说明数据依据。','{\"run_id\": \"01KYMR4ARS2SXQGMRBY7E9DX5F\", \"service_no\": \"ZBT-20260728-5958\"}','2026-07-28 16:15:08'),('01KYMR4PXKKHGXSZH7956GPD95','01KYMR4APB740H9RWBE6EFD2FH','ASSISTANT','## 结论\n\n截至目前，平台共累计 **83 笔**订单，其中 **54 张**保单处于有效状态，累计贡献保费 **13,766.00 元**。\n\n## 关键发现\n\n1. **有效转化率约 65%** —— 83 笔订单中产生了 54 张有效保单，反映订单到承保的转化表现。\n2. **累计保费规模达 1.38 万元** —— 当前有效保单对应总保费 13,766.00 元，为衡量业务体量的核心指标。\n3. **经营总览数据完整** —— 以上三项指标均来源于经营总览模块的实时数据快照，统计口径为系统当前全量数据。\n\n## 建议关注\n\n- 可进一步按时间趋势（近 7/30/90 天）或产品维度拆解上述指标，以判断增长动因或波动来源。\n- 如发现订单量高但有效保单转化偏低，建议排查承保失败或撤单环节。','{\"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 83}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 54}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 13766.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"run_id\": \"01KYMR4ARS2SXQGMRBY7E9DX5F\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/b14e841d-8490-4204-93d3-30cf56ac4480?poll=true\", \"service_no\": \"ZBT-20260728-5958\", \"invoked_tools\": [\"get_operation_overview\"]}','2026-07-28 16:15:20'),('01KYMR53W43S9NCH0M273P697N','01KYMR4QQ92PHNYA07WFWFX1SK','USER','请分析最近30天订单量按天变化趋势，并说明查询口径。','{\"run_id\": \"01KYMR4QTA55AR766FXG3443GQ\", \"service_no\": \"ZBT-20260728-0422\"}','2026-07-28 16:15:21'),('01KYMR53X1BAJ1H9803XT1H8DT','01KYMR4QQ92PHNYA07WFWFX1SK','ASSISTANT','## 结论\n\n最近 **30 天**（2026-06-29 至 2026-07-26）累计产生 **46 笔** 订单，**7 月 21 日起**订单量出现明显攀升，**7 月 26 日达到峰值 10 笔**，呈阶梯式增长态势。\n\n## 关键发现\n\n1. **前后两周反差明显，近期推动力显著增强。** 前半段（6/29 – 7/19）日均订单约 1–2 笔，单日最高仅 2 笔；后半段（7/21 – 7/26）日均提升至 **4.5 笔**，尤其 7/25（6 笔）和 7/26（10 笔）连续创下期内高点。\n2. **7 月 21 日为趋势拐点，订单密集度骤升。** 7/21 和 7/22 均录得 3 笔，之后持续放量，7/24–7/26 三天合计 **19 笔**，占 30 天总量的 **41%**，说明近期可能存在营销活动或渠道放量事件。\n3. **前半段存在间歇性空档日。** 6/30、7/3、7/4、7/7、7/9、7/10、7/16、7/20 等日期无订单记录，反映早期获客节奏不连续。\n\n## 建议关注\n\n- 排查 **7 月 21 日前后** 是否有推广活动、产品上新或渠道政策调整上线，确认近期放量的归因来源，为后续投放决策提供依据。\n- 关注 **7 月 26 日峰值** 是否为一次性冲高（如某渠道集中导入），观察后续 1–2 天订单量是否回落，判断增长势头的可持续性。\n\n---\n\n**查询口径说明**\n\n| 项目 | 内容 |\n|---|---|\n| 数据源 | 分析库（analytics），事实表 `fact_orders` |\n| 聚合方式 | COUNT（单量计数） |\n| 时间维度 | `dim_date`，按自然日分组 |\n| 时间窗口 | 最近 30 天（2026-06-29 ~ 2026-07-26） |\n| 数据范围 | 全量订单（ALL），不限制有效保单状态 |\n| 只读约束 | 仅读取分析事实表，未修改或回写业务数据 |','{\"cards\": [{\"type\": \"chart\", \"unit\": \"笔\", \"title\": \"30天订单量趋势\", \"points\": [{\"label\": \"2026-06-29\", \"value\": 1.0}, {\"label\": \"2026-07-01\", \"value\": 1.0}, {\"label\": \"2026-07-02\", \"value\": 1.0}, {\"label\": \"2026-07-05\", \"value\": 2.0}, {\"label\": \"2026-07-06\", \"value\": 2.0}, {\"label\": \"2026-07-08\", \"value\": 1.0}, {\"label\": \"2026-07-11\", \"value\": 1.0}, {\"label\": \"2026-07-12\", \"value\": 1.0}, {\"label\": \"2026-07-13\", \"value\": 1.0}, {\"label\": \"2026-07-14\", \"value\": 2.0}, {\"label\": \"2026-07-15\", \"value\": 2.0}, {\"label\": \"2026-07-17\", \"value\": 1.0}, {\"label\": \"2026-07-18\", \"value\": 2.0}, {\"label\": \"2026-07-19\", \"value\": 1.0}, {\"label\": \"2026-07-21\", \"value\": 3.0}, {\"label\": \"2026-07-22\", \"value\": 3.0}, {\"label\": \"2026-07-23\", \"value\": 2.0}, {\"label\": \"2026-07-24\", \"value\": 3.0}, {\"label\": \"2026-07-25\", \"value\": 6.0}, {\"label\": \"2026-07-26\", \"value\": 10.0}], \"version\": \"1.0\", \"chart_type\": \"line\"}], \"run_id\": \"01KYMR4QTA55AR766FXG3443GQ\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/c3c94a3c-4e93-40af-9271-9706d1a58c27?poll=true\", \"service_no\": \"ZBT-20260728-0422\", \"invoked_tools\": [\"query_operation_analytics\"]}','2026-07-28 16:15:34'),('01KYMR78ZT8PVJWCYQ5D8HYNYJ','01KYMR75SEF46D3E9VERQRMP9M','USER','???:??????????????','{\"run_id\": \"01KYMR75V46H0XS1MGTC0X4J8S\", \"service_no\": \"ZBT-20260728-4596\"}','2026-07-28 16:16:41'),('01KYMR79091K1VK04A26C71D5Z','01KYMR75SEF46D3E9VERQRMP9M','ASSISTANT','您好，我看到您发送的内容看起来像是乱码，我这边没有识别出来。😊\n\n为了更好地帮您，请用中文告诉我：\n\n**您是想咨询保险方面的问题吗？比如：**\n- 想给自己或家人配置一份保险？\n- 想了解某款产品的保障责任？\n- 查询已有的保单或订单信息？\n- 或者其他保险相关的问题？\n\n请简单说一下您的情况和需求，我来为您提供帮助！','{\"cards\": [], \"run_id\": \"01KYMR75V46H0XS1MGTC0X4J8S\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260728-4596\", \"invoked_tools\": []}','2026-07-28 16:16:45'),('01KYMR7CENDRV0ZSPZN71DKD9D','01KYMR7926M39NXNEJTTYD28WD','USER','????????,?????????????','{\"run_id\": \"01KYMR793MEXHV1VFNEC942SE5\", \"service_no\": \"ZBT-20260728-3040\"}','2026-07-28 16:16:45'),('01KYMR7CFNS0DYVF73QEE5HJ2Y','01KYMR7926M39NXNEJTTYD28WD','ASSISTANT','您好，我收到您的消息，但内容显示为乱码，无法识别具体问题。\n\n请您重新发送一下，以便我为您提供准确的保险咨询和投保建议。您可以直接告诉我，例如：\n\n- 想给谁（自己/父母/配偶/孩子）咨询保险\n- 对方的年龄、所在城市、职业\n- 想了解哪方面的保障（医疗/意外等）\n\n我会竭诚为您服务！','{\"cards\": [], \"run_id\": \"01KYMR793MEXHV1VFNEC942SE5\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/12b93509-0512-4e56-ba35-ba3d613f3846?poll=true\", \"service_no\": \"ZBT-20260728-3040\", \"invoked_tools\": []}','2026-07-28 16:16:48'),('01KYMRAWCN6VWCGJK63PFY68Z9','01KYMRAAYEASGGS7WFFR52F6YX','USER','请记住：我优先考虑为父母配置医疗险。','{\"run_id\": \"01KYMRAAZR8P0RDD5EQFG2FRZJ\", \"service_no\": \"ZBT-20260728-5415\"}','2026-07-28 16:18:25'),('01KYMRAWD3FCFHX46SJ4H85S42','01KYMRAAYEASGGS7WFFR52F6YX','ASSISTANT','已为您保存 ✅ \n以后沟通中，我会优先考虑为您的父母配置医疗险的需求。如果您方便，可以告诉我父母的具体年龄、常住地区和健康状况，我帮您筛选合适的产品。','{\"cards\": [], \"run_id\": \"01KYMRAAZR8P0RDD5EQFG2FRZJ\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/a340fc6f-d86f-4436-bfcf-ab2cc29eb68f?poll=true\", \"service_no\": \"ZBT-20260728-5415\", \"invoked_tools\": [\"remember_customer_preference\"]}','2026-07-28 16:18:43'),('01KYMRB2397FJ0VQ9B6W4QC4WJ','01KYMRAWEQWFZDFN4446C76ZCK','USER','根据你记住的内容，我优先想为谁配置哪类保险？','{\"run_id\": \"01KYMRAWG21A6TTQS3BNYKFRWC\", \"service_no\": \"ZBT-20260728-4484\"}','2026-07-28 16:18:43'),('01KYMRB23MCJFZVYND4NN4CBXH','01KYMRAWEQWFZDFN4446C76ZCK','ASSISTANT','根据您之前保存的偏好（2026年7月28日记录），您**优先考虑为父母配置医疗险**。\n\n如果您现在想继续了解或落实这个方案，可以告诉我：\n\n- **父母的年龄**是多少？\n- **常住地区**是哪里？\n- 父母目前从事什么**职业**（如已退休可按退休填写）？\n\n这样我可以查询当前在售产品，帮您做保费测算和推荐。','{\"cards\": [], \"run_id\": \"01KYMRAWG21A6TTQS3BNYKFRWC\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/72644e50-4651-44fc-8d55-d7788710120a?poll=true\", \"service_no\": \"ZBT-20260728-4484\", \"invoked_tools\": [\"recall_customer_memories\"]}','2026-07-28 16:18:49'),('01KYNY6ZKNSS9QNA0NJWQE32QC','01KYNY4A15D91AT6HQY3F9F8W1','USER','我准备给65岁的父亲购买安心医疗险。他常住成都，请帮我同时确认投保年龄、等待期、住院报销比例、免赔额，以及海外整形手术能不能报销，并给出条款依据。','{\"run_id\": \"01KYNY4A2Z55JX74TXF8AYDD90\", \"service_no\": \"ZBT-20260729-0342\"}','2026-07-29 03:19:13'),('01KYNY6ZM54R6ZW3KSHJN86D63','01KYNY4A15D91AT6HQY3F9F8W1','ASSISTANT','好的，我已经完成了多轮检索。在回答前，先跟您说明一个重要情况——\n\n**关于产品名称**：当前在售产品中并没有直接叫\"安心医疗险\"的产品。知识库中有《安心医疗险保险条款》文档（版本v1），关联的是 **蓉惠基础医疗险（MED-BASIC）**。您的父亲65岁，该产品基础计划最高投保年龄恰好为65岁。\n\n下面我根据已检索到的条款，逐项为您解答：\n\n---\n\n### 1. 投保年龄\n**结论**：蓉惠基础医疗险基础计划，投保年龄范围为 **0~65周岁**，您父亲65周岁符合条件。\n**依据**：产品信息显示基础计划 `min_age=0，max_age=65`。\n\n### 2. 等待期\n**结论**：疾病医疗责任的等待期为 **30天**；因意外伤害产生的符合约定的医疗费用不受等待期限制。\n**依据**：《安心医疗险保险条款》（版本v1）——\"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\"\n\n### 3. 住院报销比例\n**结论**：当前知识库未明确具体报销比例数值，无法确定。\n**依据**：《安心医疗险保险条款》（版本v1）——\"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\"\n\n### 4. 免赔额\n**结论**：当前知识库未明确具体免赔额数值，无法确定。\n**依据**：同上条款，免赔额以电子保单对应的产品版本和保障计划为准。\n\n### 5. 海外整形手术能否报销\n**结论**：当前知识库未明确，无法确定。\n**依据**：条款中免责范围写了\"非医学必需的美容项目\"不属于保障责任，但条款 **未明确列出\"海外整形手术\"** 这一具体情形。根据证据边界规则，宽泛条款不能自动套用到具体场景，因此无法给出结论。\n\n---\n\n**提醒**：以上结论基于《安心医疗险保险条款》（版本v1）以及产品基本信息。报销比例、免赔额等具体数值，需以您父亲实际投保后电子保单上载明的版本和计划为准。\n\n如需进一步了解，您可以告诉我：\n- 您说的\"安心医疗险\"是否指 **蓉惠基础医疗险**？\n- 是否要我查询这款产品的具体保费，或为您推荐最匹配的计划？','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"覆盖住院医疗及约定门诊费用，适合首次配置医疗保障的人群。\", \"premium_cents\": 23900, \"coverage_amount_cents\": 200000000}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}], \"run_id\": \"01KYNY4A2Z55JX74TXF8AYDD90\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/170f2597-f5d6-4f6b-8628-2118826079bf?poll=true\", \"service_no\": \"ZBT-20260729-0342\", \"invoked_tools\": [\"list_available_products\", \"search_insurance_knowledge\", \"search_insurance_knowledge\", \"search_insurance_knowledge\"]}','2026-07-29 03:20:41'),('01KYNY8E6A1KQT206C5665HRDF','01KYNY4A15D91AT6HQY3F9F8W1','USER','我想给一家三口配置意外保障，请帮我推荐。','{\"run_id\": \"01KYNY86JVG0BN6A4W3WZNKE99\", \"service_no\": \"ZBT-20260729-4707\"}','2026-07-29 03:21:21'),('01KYNY8E6PW7G2Y3S9YZQ4MY46','01KYNY4A15D91AT6HQY3F9F8W1','ASSISTANT','## 需求判断\n\n您想为一家三口配置意外保障，目标清晰。但经过查询——\n\n### 当前在售意外险产品：无\n\n目前系统内暂**没有在售的意外险产品**，无法为您推荐意外险。\n\n---\n\n### 替代建议\n\n意外保障通常包含**意外身故/伤残**和**意外医疗**两部分。如果您关心的主要是**意外医疗费用**报销，也可以考虑**医疗险**——医疗险通常覆盖因意外伤害产生的符合约定的医疗费用。\n\n是否需要我为您查询当前在售的医疗险产品，看看是否有适合一家三口的方案？\n\n或者您可以先告诉我：\n- **您本人、配偶和孩子的年龄**分别是多少？\n- **常住地区**是哪里？\n- **职业类别**情况如何？\n\n有了这些信息，我可以帮您看看是否有其他合适的保障方案。','{\"cards\": [], \"run_id\": \"01KYNY86JVG0BN6A4W3WZNKE99\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/84cf8569-71ba-4920-89b8-cd7030ffbbe5?poll=true\", \"service_no\": \"ZBT-20260729-4707\", \"invoked_tools\": [\"list_available_products\"]}','2026-07-29 03:21:29'),('01KYNYB6PECR7BYSN8PBYVD1MR','01KYNY4A15D91AT6HQY3F9F8W1','USER','请记住我的手机号是13812345678','{\"run_id\": \"01KYNYB2Z5S9QSDWZNS603754P\", \"service_no\": \"ZBT-20260729-6220\"}','2026-07-29 03:22:55'),('01KYNYB6PTDGVY51PTA0N1JFVM','01KYNY4A15D91AT6HQY3F9F8W1','ASSISTANT','抱歉，根据规定，我**不能保存手机号、身份证号、银行卡号、验证码、密码、令牌或医疗诊断详情**等敏感信息。\n\n您的手机号仅用于投保流程中的安全验证，建议您在后续投保需要时，通过安全表单直接填写，这样不会在对话中留下记录，更加安全。\n\n如果您有其他保障偏好或家庭信息希望我记住（比如居住城市、投保年龄、家庭成员等非敏感信息），可以告诉我，我很乐意帮您保存。','{\"cards\": [], \"run_id\": \"01KYNYB2Z5S9QSDWZNS603754P\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260729-6220\", \"invoked_tools\": []}','2026-07-29 03:22:59'),('01KYNYE907X0DVTB764D1NZ8YR','01KYNY4A15D91AT6HQY3F9F8W1','USER','请记住：我以后优先为父母配置医疗险，预算每人每年500元以内，比较关注住院医疗和等待期。','{\"run_id\": \"01KYNYC5EDRTY5EXNRS66MRWAB\", \"service_no\": \"ZBT-20260729-6816\"}','2026-07-29 03:23:31'),('01KYNYE90KT5DENQQEZQPYJABP','01KYNY4A15D91AT6HQY3F9F8W1','ASSISTANT','已为您保存（记忆编号：01KYNYC72ENJWT132CAKK35MDA）。以后您提到为父母配置保障时，我会优先按这个方向来推荐。','{\"cards\": [], \"run_id\": \"01KYNYC5EDRTY5EXNRS66MRWAB\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/5ada943e-9cfc-44ec-a15a-ba7e8ccd6769?poll=true\", \"service_no\": \"ZBT-20260729-6816\", \"invoked_tools\": [\"remember_customer_preference\"]}','2026-07-29 03:24:40'),('01KYNYH2TNCJ6WDBTED8Z75BAR','01KYNYGSR5JJRJBVEZGBEMKTRB','USER','请分析最近30天每天的订单保费趋势，指出最高和最低的一天，并展示图表。','{\"run_id\": \"01KYNYGSSQTQX389255K11JSAR\", \"service_no\": \"ZBT-20260729-1370\"}','2026-07-29 03:26:03'),('01KYNYH2TZ2R4GGS8QBFWHQ847','01KYNYGSR5JJRJBVEZGBEMKTRB','ASSISTANT','## 结论\n\n最近30天订单保费合计 **11,555 元**，日峰值出现在 **7月26日（2,210 元）**，最低值为 **7月1日与7月17日（各159 元）**，月末最后一周保费明显放量，占全周期的 **40.5%**。\n\n## 关键发现\n\n1. **月末保费爆发式增长** — 7月24日至26日连续三天保费分别为837元、1,634元、2,210元，三日合计4,681元，占30天总保费的40.5%，是近期最强的保费冲刺窗口。\n2. **低频日周期明显** — 30天中仅19天有订单记录，其中7月3–4日、7月7日、7月9–10日、7月16日、7月20日等11天无任何保费入账，存在订单间断缺口。\n3. **日保费极差大** — 单日最高（7/26，2,210元）是最低日（7/1、7/17，159元）的 **13.9 倍**，波动幅度显著。\n\n## 建议关注\n\n- 排查7月24–26日保费激增的来源（产品类型或推广渠道），评估该增长是否具备可复制的策略，以填补低频日的空白。\n- 分析7月3–4日、7月7日等零保费日的流量和转化链路，确认是否存在系统拦截、产品下架或推广投放中断等异常因素。','{\"cards\": [{\"type\": \"chart\", \"unit\": \"元\", \"title\": \"30天订单保费趋势\", \"points\": [{\"label\": \"2026-07-01\", \"value\": 159.0}, {\"label\": \"2026-07-02\", \"value\": 399.0}, {\"label\": \"2026-07-05\", \"value\": 558.0}, {\"label\": \"2026-07-06\", \"value\": 638.0}, {\"label\": \"2026-07-08\", \"value\": 399.0}, {\"label\": \"2026-07-11\", \"value\": 199.0}, {\"label\": \"2026-07-12\", \"value\": 239.0}, {\"label\": \"2026-07-13\", \"value\": 199.0}, {\"label\": \"2026-07-14\", \"value\": 638.0}, {\"label\": \"2026-07-15\", \"value\": 478.0}, {\"label\": \"2026-07-17\", \"value\": 159.0}, {\"label\": \"2026-07-18\", \"value\": 638.0}, {\"label\": \"2026-07-19\", \"value\": 599.0}, {\"label\": \"2026-07-21\", \"value\": 597.0}, {\"label\": \"2026-07-22\", \"value\": 577.0}, {\"label\": \"2026-07-23\", \"value\": 398.0}, {\"label\": \"2026-07-24\", \"value\": 837.0}, {\"label\": \"2026-07-25\", \"value\": 1634.0}, {\"label\": \"2026-07-26\", \"value\": 2210.0}], \"version\": \"1.0\", \"chart_type\": \"line\"}], \"run_id\": \"01KYNYGSSQTQX389255K11JSAR\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/3e415dcc-788c-4355-b9b9-36e44057f323?poll=true\", \"service_no\": \"ZBT-20260729-1370\", \"invoked_tools\": [\"query_operation_analytics\"]}','2026-07-29 03:26:12'),('01KYNYQ13QQJG0QGKTK9GN6VJF','01KYNY4A15D91AT6HQY3F9F8W1','USER','请记住：我偏好医疗险，我的银行卡号是622202XXXXXXXXXXXX。','{\"run_id\": \"01KYNYPX0SQPBDDTG9TPJ21T1J\", \"service_no\": \"ZBT-20260729-8328\"}','2026-07-29 03:29:22'),('01KYNYQ141YVPJKWF69Z8QWP01','01KYNY4A15D91AT6HQY3F9F8W1','ASSISTANT','抱歉，根据安全规定，我**不能保存银行卡号、手机号、身份证号、验证码、密码或令牌**等敏感信息。\n\n您的银行卡号请妥善保管，后续投保支付时通过安全加密渠道直接填写，不要在对话中留存，以免信息泄露。\n\n关于\"偏好医疗险\"这部分，如果您愿意我可以帮您保存。需要我保存这个偏好吗？','{\"cards\": [], \"run_id\": \"01KYNYPX0SQPBDDTG9TPJ21T1J\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260729-8328\", \"invoked_tools\": []}','2026-07-29 03:29:27'),('01KYNYQM0CQN0T63800PGYCP9S','01KYNY4A15D91AT6HQY3F9F8W1','USER','保存吧','{\"run_id\": \"01KYNYQDG2QR3GKXY6ZCBJ8W26\", \"service_no\": \"ZBT-20260729-5702\"}','2026-07-29 03:29:39'),('01KYNYQM0R80DBQ7GE3MHCNBPN','01KYNY4A15D91AT6HQY3F9F8W1','ASSISTANT','已为您保存（记忆编号：01KYNYQEVNAW7DR81W36FQ6JR8）。以后需要保障推荐时，我会优先为您匹配医疗险产品。','{\"cards\": [], \"run_id\": \"01KYNYQDG2QR3GKXY6ZCBJ8W26\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/6fd913ce-5d55-47e5-bd63-4ae2e3854e1f?poll=true\", \"service_no\": \"ZBT-20260729-5702\", \"invoked_tools\": [\"remember_customer_preference\"]}','2026-07-29 03:29:46'); /*!40000 ALTER TABLE `agent_messages` ENABLE KEYS */; UNLOCK TABLES; -- -- Table structure for table `agent_runs` -- DROP TABLE IF EXISTS `agent_runs`; /*!40101 SET @saved_cs_client = @@character_set_client */; /*!50503 SET character_set_client = utf8mb4 */; CREATE TABLE `agent_runs` ( `id` varchar(26) NOT NULL, `request_id` varchar(64) NOT NULL, `thread_id` varchar(26) NOT NULL, `trace_id` varchar(64) DEFAULT NULL, `persona` varchar(32) NOT NULL, `status` varchar(32) NOT NULL, `input_json` json NOT NULL, `output_json` json DEFAULT NULL, `error_code` varchar(64) DEFAULT NULL, `created_at` datetime NOT NULL, `completed_at` datetime DEFAULT NULL, PRIMARY KEY (`id`), UNIQUE KEY `request_id` (`request_id`), KEY `ix_agent_runs_trace` (`trace_id`), KEY `ix_agent_runs_thread_created` (`thread_id`,`created_at`), CONSTRAINT `agent_runs_ibfk_1` FOREIGN KEY (`thread_id`) REFERENCES `agent_threads` (`id`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci; /*!40101 SET character_set_client = @saved_cs_client */; -- -- Dumping data for table `agent_runs` -- LOCK TABLES `agent_runs` WRITE; /*!40000 ALTER TABLE `agent_runs` DISABLE KEYS */; INSERT INTO `agent_runs` VALUES ('01KYE9TEVEJA71JTHBYTT75JYM','agent-01KYE9TQYA680VX3AHVQD8H1WF','01KYE9TEQRDT8JNV2Q01CE9K4S','783aa178-3024-4dc7-897c-aa184571a8d2','customer','COMPLETED','{\"text\": \"我想给75岁的父亲买医疗险，常住成都，普通职业。\", \"type\": \"text\"}','{\"text\": \"根据查询结果，目前系统中在售的 **医疗险** 产品有以下几款，都比较适合您为父亲考虑：\\n\\n---\\n\\n### 🏥 候选医疗险产品\\n\\n| 产品名称 | 计划类型 | 说明 |\\n|---------|---------|------|\\n| **银龄守护医疗险** | 银龄标准计划 | 专为老年人设计的医疗险，名称上看对高龄人群较友好 |\\n| **蓉惠基础医疗险** | 基础计划 | 基础医疗保障，保费相对亲民 |\\n| **蓉惠升级医疗险** | 标准计划 / 升级计划 | 保障更全面的医疗险 |\\n\\n---\\n\\n不过，在为您进一步匹配合适方案前，想跟您确认几个信息：\\n\\n1. **您的父亲是成都本地户籍吗？**（部分产品可能有地域限制）\\n2. **您的父亲目前身体健康状况如何？**（是否有既往病史，这会影响核保）\\n3. **您对保费的预算大概是多少？**\\n\\n另外，关于具体的 **保费金额**，我需要通过后续的确定性报价接口来为您计算，暂时无法直接给出价格，请您见谅。您看要不要先挑一款感兴趣的产品，我来进一步为您了解详情？😊\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"家庭意外保障险本地开发数据\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"蓉惠基础医疗险本地开发数据\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"银龄守护医疗险本地开发数据\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"蓉惠升级医疗险本地开发数据\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}]}',NULL,'2026-07-26 04:09:38','2026-07-26 04:09:47'),('01KYEDKWTPVZ3K5JSVJE65PREH','agent-01KYEDM479PP2C4Q0C332W8VQW','01KYEDKWQ0SGJ43FC271MSY2S9','ec2d3026-e860-416c-b748-1533b2fa7f4f','customer','COMPLETED','{\"text\": \"我想给45岁的父亲买医疗险，常住成都，普通职业。\", \"type\": \"text\"}','{\"text\": \"好的，根据查询，目前适合您父亲（45岁、常住成都、普通职业）的**医疗险**产品主要有以下两款，供您参考：\\n\\n---\\n\\n### 🏥 候选产品推荐\\n\\n| 产品名称 | 产品特点 | 可选计划 |\\n|---------|---------|---------|\\n| **蓉惠基础医疗险** | 覆盖常见住院医疗费用，简洁实用 | 基础计划 |\\n| **蓉惠升级医疗险** | 保障额度更高，方案更灵活 | 标准计划 / 升级计划 |\\n\\n两款产品均可覆盖住院医疗保障，**蓉惠升级医疗险**则提供更高额度及两档计划自由选择，适合想加强保障力度的需求。\\n\\n---\\n\\n### ❓ 需要跟您确认几个问题\\n\\n1. **您的意向** — 您更倾向于基础保障（蓉惠基础医疗险），还是希望保障更充足（蓉惠升级医疗险）？\\n2. **被保险人的健康状况** — 您父亲是否有既往病史或体检异常？这会影响产品的可投保性。\\n\\n> 📌 另外说明一下：**银龄守护医疗险**（面向50-75周岁）因您父亲年龄为45岁，暂不符合投保条件，所以未列入推荐。\\n\\n请问您对哪款产品比较感兴趣？我可以进一步为您介绍详细保障内容。最终保费需要后续通过报价接口为您准确核算，我这边无法直接报价，还请您理解🙏\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}]}',NULL,'2026-07-26 05:15:57','2026-07-26 05:16:05'),('01KYEFRNH3JH1C5SKY6CYDZET1','agent-01KYEFRXV4G70HNZDDPC6KCEER','01KYEFRNDQK8RWEKTVGTE4B4J7','d2366cac-35b6-4bc4-a233-b709e3006ea0','customer','COMPLETED','{\"text\": \"我想了解基础医疗保障，年龄32岁。\", \"type\": \"text\"}','{\"text\": \"感谢您的咨询！根据您的需求，我为您查询到以下适合**基础医疗保障**的候选产品：\\n\\n---\\n\\n### ✅ 推荐产品\\n\\n**1️⃣ 蓉惠基础医疗险**\\n- **类别**：医疗保险\\n- **简介**：覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障\\n- **可选计划**：基础计划\\n- **适合人群**：非常适合您32岁的年龄阶段\\n\\n**2️⃣ 蓉惠升级医疗险**\\n- **类别**：医疗保险\\n- **简介**：在基础保障之上提高医疗费用保障额度，提供标准与升级两档方案灵活选择\\n- **可选计划**：标准计划 / 升级计划\\n- **适合人群**：如果希望保障更全面，可作为进阶选择\\n\\n> 📌 另外还有**家庭意外保障险**（覆盖日常意外风险），以及**银龄守护医疗险**（面向50-75周岁），后者不太适合您目前的年龄。\\n\\n---\\n\\n### ❓ 还需要请您补充以下信息，以便为您做更精准的推荐：\\n\\n1. **所在地区**（城市/省份）—— 不同地区可选方案可能有差异\\n2. **投保关系** —— 是为本人投保，还是为家人投保？\\n3. **职业** —— 不同职业对医疗险投保有影响\\n\\n请告诉我这些信息，我会进一步为您分析推荐！\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}]}',NULL,'2026-07-26 05:53:31','2026-07-26 05:53:39'),('01KYEG6DFTYFRHSR62XYBJBMFN','agent-01KYEG6K2FBT208R5XWG20K4XE','01KYEG6DCSAN86GAS42JBGFS4A','c90f8c64-57d0-4264-946e-24baca728743','customer','COMPLETED','{\"text\": \"我想给一家三口配置意外保障，请帮我推荐。\", \"type\": \"text\"}','{\"text\": \"### 需求判断\\n已理解您希望为一家三口配置意外保障，需要覆盖全家日常意外风险。\\n\\n### 推荐建议\\n- **家庭意外保障险**：专为家庭场景设计，支持统一为家人配置，一份方案覆盖一家三口，管理更省心。\\n\\n### 下一步\\n请您告诉我三位家庭成员的**年龄**、**所在地区**，以及**您与另外两位的关系**（如配偶、子女），以便确认保障范围。点击下方产品卡片即可查看详情并测算保费。\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}]}',NULL,'2026-07-26 06:01:01','2026-07-26 06:01:07'),('01KYEGGR8JACBZXH49FQQZN2SV','agent-01KYEGGYW36NMRBXCB0205YWZT','01KYEGGR4NPH1NSYCHQ15GY8R0','af22c0f3-ae55-498e-91f6-e4caf427a637','customer','COMPLETED','{\"text\": \"我想给65岁的父亲买医疗险，常住成都，普通职业。\", \"type\": \"text\"}','{\"text\": \"### 需求判断\\n已理解您想为65岁的父亲（常住成都、普通职业）配置一份医疗险。\\n\\n### 推荐建议\\n- **银龄守护医疗险**：专门面向50至75周岁中老年人群，提供住院医疗保障，与您父亲的年龄和需求高度匹配。\\n- 备选可关注**蓉惠基础医疗险**，覆盖常见住院医疗费用，价格相对简洁实用，适合作为基础补充。\\n\\n### 下一步\\n点击下方产品卡片即可查看详细保障并测算保费，不同计划价格有差异，请根据预算灵活选择。\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}]}',NULL,'2026-07-26 06:06:40','2026-07-26 06:06:47'),('01KYEGS0XYV5T1KYCDCVTWS6XY','agent-01KYEGS66JDF0PX3892VQ56PTM','01KYEGS0V0XGF2JJPCNSPT650F','fdedba79-cbb6-4c2e-8419-15cd7a3eb662','customer','COMPLETED','{\"text\": \"我想给65岁的父亲买医疗险，常住成都，普通职业。\", \"type\": \"text\"}','{\"text\": \"### 需求判断\\n已理解您希望为65岁、常住成都的父亲配置一份医疗险，普通职业。\\n\\n### 推荐建议\\n- **银龄守护医疗险**：覆盖50至75周岁人群，正适合您父亲的年龄，提供住院医疗保障，与医疗险需求高度匹配。\\n- 备选方案暂无更优选择，该款产品最为贴合。\\n\\n### 下一步\\n您可点击下方产品卡片进入详情页，自主测算保费并了解保障责任，页面上会有清晰的投保指引。\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\"}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\"}], \"summary\": \"覆盖日常意外风险，可按个人或家庭方案为家人统一配置保障。\", \"category\": \"ACCIDENT\", \"product_id\": \"02B4C1E268CBE44B06438C81B7\", \"version_no\": \"1.0.0\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}, {\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\"}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"version_no\": \"2.0.0\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\"}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\"}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"version_no\": \"1.0.0\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"version\": \"1.0\"}], \"service_no\": \"ZBT-20260726-1460\"}',NULL,'2026-07-26 06:11:11','2026-07-26 06:11:16'),('01KYESG2MBFZHNAA98NKKYAHQ0','agent-01KYESGCSPG7GPRBRG2JTCX5K8','01KYESG2JSAF9XP1HRZTWTQJEM','185bf652-5619-41bd-ba9d-e6df2a1975e2','operation','COMPLETED','{\"text\": \"请分析当前订单、有效保单和累计保费情况。\", \"type\": \"text\"}','{\"text\": \"## 当前经营情况总览\\n\\n**结论：当前累计订单30笔、有效保单18张、累计保费4,562.00元，经营指标均在正常在途与生效状态。**\\n\\n---\\n\\n### 关键依据\\n\\n1. **经营总览指标**\\n - **订单总量**：30 笔\\n - **有效保单**：18 张\\n - **累计保费**：4,562.00 元\\n\\n2. **近期订单明细（最近5笔）**\\n - 4 笔已出单（ISSUED），1 笔待支付（PENDING_PAYMENT）\\n - 涉及产品包括「蓉惠基础医疗险」「家庭意外保障险」「蓉惠升级医疗险」\\n - 单笔保费区间：99.00 元 ~ 599.00 元\\n\\n3. **近期保单明细（最近5张）**\\n - 全部为 **有效（ACTIVE）** 状态\\n - 除上述产品外，新增「银龄守护医疗险」\\n - 保障期间均为一年期，近期保单集中在 2026-07-25 至 2026-07-26 签发\\n\\n---\\n\\n### 建议关注点\\n- **待支付订单**：存在 1 笔 99.00 元的「家庭意外保障险·个人计划」尚未付款，可关注后续是否完成支付转为有效保单。\\n- **订单→保单转化**：总订单 30 笔，有效保单 18 张（转化率约 60%），可进一步分析未转化订单的原因（如支付中断、退单等）。\\n- **保费结构**：累计保费 4,562.00 元，平均单笔保费约 152 元，当前以医疗险和意外险为主，可观察高客单价产品（如蓉惠升级医疗险 599 元）的占比趋势。\\n\\n如需要进一步深入分析（如按产品维度拆分、推广归因等），请告知具体方向。\", \"type\": \"text\", \"cards\": [{\"type\": \"business_list\", \"items\": [{\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-B0000001\", \"issued_at\": \"2026-07-26 13:27:00+00:00\", \"plan_name\": \"基础计划\", \"policy_id\": \"4E25EC1DCC1CA1A657E360FB3D\", \"policy_no\": \"POL-20260726-B0000001\", \"coverage_end\": \"2027-07-27\", \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\", \"premium_cents\": 23900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-C70GZ7AW\", \"issued_at\": \"2026-07-26 06:27:03+00:00\", \"plan_name\": \"家庭计划\", \"policy_id\": \"01KYEHP2GVHY0TDB5CEV9SK5CZ\", \"policy_no\": \"POL-20260726-8J9JCAP7\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"家庭意外保障险\", \"relationship\": \"PARENT\", \"premium_cents\": 15900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-3M70B50V\", \"issued_at\": \"2026-07-26 06:13:17+00:00\", \"plan_name\": \"升级计划\", \"policy_id\": \"01KYEGWVP3Z2GF8NPA1G68N0QV\", \"policy_no\": \"POL-20260726-J8P6CQGK\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"蓉惠升级医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 59900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-VX8N65NW\", \"issued_at\": \"2026-07-26 05:38:17+00:00\", \"plan_name\": \"家庭计划\", \"policy_id\": \"01KYEEWRX5Q0KQS6HH2JDHB6Q2\", \"policy_no\": \"POL-20260726-G5AZBH2E\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"家庭意外保障险\", \"relationship\": \"PARENT\", \"premium_cents\": 15900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260725-6JX3MK3J\", \"issued_at\": \"2026-07-25 17:50:03+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYD6BZ5FA0E5B2MX74SBJCFV\", \"policy_no\": \"POL-20260725-1SFA3X9V\", \"coverage_end\": \"2027-07-25\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-26\"}], \"title\": \"近期保单\", \"total\": 20, \"entity\": \"policy\", \"version\": \"1.0\"}, {\"type\": \"business_list\", \"items\": [{\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"461FD2ED8AE93C66E3C05D90E2\", \"order_no\": \"ORD-20260726-B0000001\", \"plan_name\": \"基础计划\", \"policy_no\": \"POL-20260726-B0000001\", \"created_at\": \"2026-07-26 13:23:00+00:00\", \"amount_cents\": 23900, \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\"}, {\"status\": \"PENDING_PAYMENT\", \"currency\": \"CNY\", \"order_id\": \"9333E1EB99371B0149052F9A0B\", \"order_no\": \"ORD-20260726-B0000017\", \"plan_name\": \"个人计划\", \"policy_no\": null, \"created_at\": \"2026-07-26 12:31:00+00:00\", \"amount_cents\": 9900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEHP1FHXM2A9CFAM9Y6H8T4\", \"order_no\": \"ORD-20260726-C70GZ7AW\", \"plan_name\": \"家庭计划\", \"policy_no\": \"POL-20260726-8J9JCAP7\", \"created_at\": \"2026-07-26 06:27:02+00:00\", \"amount_cents\": 15900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"PARENT\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEGWT48JF84F5DFVEJFXE9X\", \"order_no\": \"ORD-20260726-3M70B50V\", \"plan_name\": \"升级计划\", \"policy_no\": \"POL-20260726-J8P6CQGK\", \"created_at\": \"2026-07-26 06:13:15+00:00\", \"amount_cents\": 59900, \"product_name\": \"蓉惠升级医疗险\", \"relationship\": \"PARENT\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEEWQCMJ04NHZEZZD5T3TBV\", \"order_no\": \"ORD-20260726-VX8N65NW\", \"plan_name\": \"家庭计划\", \"policy_no\": \"POL-20260726-G5AZBH2E\", \"created_at\": \"2026-07-26 05:38:15+00:00\", \"amount_cents\": 15900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"PARENT\"}], \"title\": \"近期订单\", \"total\": 30, \"entity\": \"order\", \"version\": \"1.0\"}, {\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 30}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 18}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 4562.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"actions\": [{\"type\": \"open_admin_policies\", \"label\": \"进入保单中心\", \"payload\": {}, \"confirmation_required\": false}, {\"type\": \"open_admin_orders\", \"label\": \"进入订单中心\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": null, \"service_no\": \"ZBT-20260726-1209\"}',NULL,'2026-07-26 08:43:35','2026-07-26 08:43:45'),('01KYF04V1SF1DXZ1DDJCMXMJMV','agent-01KYF055D0MBTHDXG61FBJTHHW','01KYF04V0CP6PJ738NQBY6HQ1W','a634d2c6-a0f9-4f4d-a9f7-a8ac6987d417','operation','COMPLETED','{\"text\": \"请分析当前订单、有效保单和累计保费情况。\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n当前经营总览显示，共有 **34笔订单**，其中 **22张有效保单** 已承保在效，累计保费达到 **5,318元**。承保转化率约 **64.7%**，尚有提升空间。\\n\\n## 关键发现\\n\\n1. **承保转化存在缺口**：订单总量34笔，但有效保单仅22张，差额12笔。其中至少有1笔订单（家庭意外保障险·个人计划，99元）仍处于\\\"待支付\\\"状态，尚未完成承保，需关注支付推进。\\n\\n2. **医疗险与意外险贡献核心保费**：有效保单中，银龄守护医疗险（银龄标准计划，199元/单）和蓉惠基础医疗险（基础计划，239元/单）保费较高；家庭意外保障险以家庭计划（159元）为主要形态，产品结构偏向\\\"医疗+意外\\\"双线布局。\\n\\n3. **近期投保集中在同日，以\\\"为父母投保\\\"为主**：最近5笔订单中有3笔为银龄守护医疗险·银龄标准计划，投保关系为PARENT（为父母投保），说明面向老年群体的医疗险需求集中释放。\\n\\n## 建议关注\\n\\n- 跟进 **1笔待支付订单**（家庭意外保障险·个人计划，99元），及时提醒客户完成付款，以提升有效保单转化率。\\n- 分析 **12笔未承保订单** 的具体原因（如支付失败、撤单、风控拦截等），定位转化流失的关键环节。\", \"type\": \"text\", \"cards\": [{\"type\": \"business_list\", \"items\": [{\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-B0000001\", \"issued_at\": \"2026-07-26 13:27:00+00:00\", \"plan_name\": \"基础计划\", \"policy_id\": \"4E25EC1DCC1CA1A657E360FB3D\", \"policy_no\": \"POL-20260726-B0000001\", \"coverage_end\": \"2027-07-27\", \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\", \"premium_cents\": 23900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-HZHQ4FEC\", \"issued_at\": \"2026-07-26 09:35:39+00:00\", \"plan_name\": \"家庭计划\", \"policy_id\": \"01KYEWFDQ5XE6Z3VPD5BWE4NHD\", \"policy_no\": \"POL-20260726-MHQSNF7A\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\", \"premium_cents\": 15900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-HRB37NF0\", \"issued_at\": \"2026-07-26 09:19:07+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVH4MXM1E8N278DQXC9JCT\", \"policy_no\": \"POL-20260726-58GE6SFK\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-QS0QFF5D\", \"issued_at\": \"2026-07-26 09:18:33+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVG38CBECJY6WY81N2WGBV\", \"policy_no\": \"POL-20260726-0DFPR7M0\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}, {\"status\": \"ACTIVE\", \"currency\": \"CNY\", \"order_no\": \"ORD-20260726-ADRSWWMM\", \"issued_at\": \"2026-07-26 09:17:39+00:00\", \"plan_name\": \"银龄标准计划\", \"policy_id\": \"01KYEVEEXEP7NSW1ZRP9VCSDFS\", \"policy_no\": \"POL-20260726-40NYF32G\", \"coverage_end\": \"2027-07-26\", \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\", \"premium_cents\": 19900, \"coverage_start\": \"2026-07-27\"}], \"title\": \"近期保单\", \"total\": 24, \"entity\": \"policy\", \"version\": \"1.0\"}, {\"type\": \"business_list\", \"items\": [{\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"461FD2ED8AE93C66E3C05D90E2\", \"order_no\": \"ORD-20260726-B0000001\", \"plan_name\": \"基础计划\", \"policy_no\": \"POL-20260726-B0000001\", \"created_at\": \"2026-07-26 13:23:00+00:00\", \"amount_cents\": 23900, \"product_name\": \"蓉惠基础医疗险\", \"relationship\": \"SELF\"}, {\"status\": \"PENDING_PAYMENT\", \"currency\": \"CNY\", \"order_id\": \"9333E1EB99371B0149052F9A0B\", \"order_no\": \"ORD-20260726-B0000017\", \"plan_name\": \"个人计划\", \"policy_no\": null, \"created_at\": \"2026-07-26 12:31:00+00:00\", \"amount_cents\": 9900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEWFARF4SNZJM7NJ66BY4BB\", \"order_no\": \"ORD-20260726-HZHQ4FEC\", \"plan_name\": \"家庭计划\", \"policy_no\": \"POL-20260726-MHQSNF7A\", \"created_at\": \"2026-07-26 09:35:36+00:00\", \"amount_cents\": 15900, \"product_name\": \"家庭意外保障险\", \"relationship\": \"SELF\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEVH4FGKDE2W5TWS9AS3PHJ\", \"order_no\": \"ORD-20260726-HRB37NF0\", \"plan_name\": \"银龄标准计划\", \"policy_no\": \"POL-20260726-58GE6SFK\", \"created_at\": \"2026-07-26 09:19:07+00:00\", \"amount_cents\": 19900, \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\"}, {\"status\": \"ISSUED\", \"currency\": \"CNY\", \"order_id\": \"01KYEVG32B12SMZNVQRRP4QGEG\", \"order_no\": \"ORD-20260726-QS0QFF5D\", \"plan_name\": \"银龄标准计划\", \"policy_no\": \"POL-20260726-0DFPR7M0\", \"created_at\": \"2026-07-26 09:18:33+00:00\", \"amount_cents\": 19900, \"product_name\": \"银龄守护医疗险\", \"relationship\": \"PARENT\"}], \"title\": \"近期订单\", \"total\": 34, \"entity\": \"order\", \"version\": \"1.0\"}, {\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 34}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 22}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 5318.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"actions\": [{\"type\": \"open_admin_policies\", \"label\": \"进入保单中心\", \"payload\": {}, \"confirmation_required\": false}, {\"type\": \"open_admin_orders\", \"label\": \"进入订单中心\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/5a5ecac0-b679-4689-9103-a6855e0bac6c/r/a634d2c6-a0f9-4f4d-a9f7-a8ac6987d417?poll=true\", \"service_no\": \"ZBT-20260726-4136\"}',NULL,'2026-07-26 10:39:47','2026-07-26 10:39:57'),('01KYF2193ER2FDYZW5P2D2X18J','agent-01KYF21K1WSAJAYK4Z88KE7GPT','01KYF2192DZ3DYEQMW015EHP5Y','20ada122-1f11-4675-ba2d-5b844b0bda75','customer','COMPLETED','{\"text\": \"我想给65岁的父亲买医疗险，常住成都，普通职业。\", \"type\": \"text\"}','{\"text\": \"---\\n\\n**需求判断**\\n\\n您想为**65岁的父亲**（成都常住、普通职业）配置医疗险，属于典型的**中老年医疗保障**需求。这个年龄段很多医疗险已无法投保，需要专门面向高龄人群的产品。\\n\\n**推荐建议**\\n\\n最匹配的是 **「银龄守护医疗险·银龄标准计划」**，专为50-75周岁人群设计，您父亲65岁完全符合条件，普通职业可投。经系统核验**资格通过**，年保费仅 **199元**，性价比很高。\\n\\n**下一步**\\n\\n如果您觉得合适，我可以为您生成**安全投保表单**，您只需填写基本信息即可进入投保流程。请问您现在要办理吗？\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\", \"summary\": \"\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"862E303871B9DFBC0175160C6D\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYF21EJVCR3AWABTDB61DRJY\", \"plan_name\": \"银龄标准计划\", \"expires_at\": \"2026-07-26 11:42:52.827548+00:00\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_name\": \"银龄守护医疗险\", \"premium_cents\": 19900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}], \"actions\": [{\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYF21EJVCR3AWABTDB61DRJY\", \"plan_code\": \"SENIOR_STANDARD\", \"product_code\": \"MED-SENIOR\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/5a5ecac0-b679-4689-9103-a6855e0bac6c/r/20ada122-1f11-4675-ba2d-5b844b0bda75?poll=true\", \"service_no\": \"ZBT-20260726-3593\"}',NULL,'2026-07-26 11:12:47','2026-07-26 11:12:57'),('01KYF2863QXXD6JH9VE60WK8PC','agent-01KYF28F18EB30156C1SQ0FMH4','01KYF2862Y476WZ0PRY6B3G27E','c6bd38f6-52a0-404d-8592-c4612df4660d','customer','COMPLETED','{\"text\": \"家庭意外保障险我想了解下\", \"type\": \"text\"}','{\"text\": \"---\\n\\n**需求判断**\\n您想了解家庭意外保障，覆盖日常意外风险的保障。不过目前系统中在售的意外险产品暂无可选方案，仅有一款面向中老年人群的 **银龄守护医疗险（住院医疗保障）** 在售。\\n\\n**推荐建议**\\n由于意外险暂无在售产品，如果您是为**家中的长辈（50~75周岁）** 考虑住院医疗保障，可以了解 **银龄守护医疗险（银龄标准计划）**；若不是，则暂无可推荐的家庭意外险产品。\\n\\n**下一步**\\n请问您具体是想为自己、父母还是子女投保？被保险人当前的**年龄**和**常住地区**是多少？这些信息能帮助我进一步判断是否有合适的产品匹配您的需求。\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"银龄守护医疗险\", \"plans\": [{\"id\": \"862E303871B9DFBC0175160C6D\", \"code\": \"SENIOR_STANDARD\", \"name\": \"银龄标准计划\", \"summary\": \"\"}], \"summary\": \"面向中老年人群的住院医疗保障，覆盖50至75周岁的投保需求。\", \"category\": \"MEDICAL\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_code\": \"MED-SENIOR\", \"product_version_id\": \"0D12EDF444F74405FF46CA6BCE\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/5a5ecac0-b679-4689-9103-a6855e0bac6c/r/c6bd38f6-52a0-404d-8592-c4612df4660d?poll=true\", \"service_no\": \"ZBT-20260726-0596\"}',NULL,'2026-07-26 11:16:34','2026-07-26 11:16:43'),('01KYF2SJ8QQ0D54BHBTKHBWXC8','agent-01KYF2SN6SG07AEZC8ZYTJWSVQ','01KYF2SJ51TJ5JTJ4JK7E99974',NULL,'customer','FAILED','{\"text\": \"给65岁的父亲推荐成都医疗险并测算保费\", \"type\": \"text\"}','null','AGENT_RUNTIME_FAILED','2026-07-26 11:26:03','2026-07-26 11:26:06'),('01KYGTA4REWVZ0T78VR0GGXQP3','agent-01KYGTASJE47YJ38YNETZWJ392','01KYGTA49Q2DMQYKANE1WVNJMP','0e7d6f62-7c9d-42e7-a950-644c76ab3421','customer','COMPLETED','{\"text\": \"我想给65岁的父亲买医疗险，常住成都，普通职业。\", \"type\": \"text\"}','{\"text\": \"---\\n\\n**需求判断**\\n您想为65岁的父亲配置医疗险，父亲常驻成都、属于普通职业，投保关系为子女为父母投保。目前已通过资格校验，两款产品均符合投保条件。\\n\\n**推荐建议**\\n\\n优先推荐 **「银龄守护医疗险·银龄标准计划」**（年保费 **199元**，保额 **100万元**）\\n- 专为50～75岁中老年人设计，年龄匹配度高，65岁正适合\\n- 覆盖住院医疗及高发疾病费用，保费亲民，性价比突出\\n\\n备选：**「蓉惠升级医疗险·标准计划」**（年保费 **399元**，保额 **300万元**）\\n- 保障额度更高，但年龄刚好卡在65岁上限，未来续保灵活性不如前者\\n\\n**下一步**\\n如果您对以上推荐满意，可以直接告诉我 **“我要投保”**，我为您生成安全投保表单入口，在线填写信息即可完成投保。\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"银龄守护医疗险\", \"plans\": 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\"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"4996553FFF77E2393AF62FC7A2\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYGTAJYYXNZG3YRB9PWQ634G\", \"plan_name\": \"标准计划\", \"expires_at\": \"2026-07-27 04:06:32.478459+00:00\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_name\": \"蓉惠升级医疗险\", \"premium_cents\": 39900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"862E303871B9DFBC0175160C6D\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYGTAJYNX6QS7NDZ0M61X45X\", \"plan_name\": \"银龄标准计划\", \"expires_at\": \"2026-07-27 04:06:32.469757+00:00\", \"product_id\": \"CAACA48502EECD4DD0981CF75B\", \"product_name\": \"银龄守护医疗险\", \"premium_cents\": 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\"医疗险等待期是多少天？请给出条款来源。\", \"type\": \"text\"}','null','KNOWLEDGE_RERANK_FAILED','2026-07-28 08:59:13','2026-07-28 09:04:10'),('01KYKZJH4TR797P4WFZ5YWVW8K','agent-01KYKZJJM4EY0W66NJ2ME076RP','01KYKZ64CPK1P8JZJM1XJ1WEPR',NULL,'customer','FAILED','{\"text\": \"医疗险等待期是多少天？请给出条款来源。\", \"type\": \"text\"}','null','KNOWLEDGE_RERANK_FAILED','2026-07-28 09:05:59','2026-07-28 09:06:00'),('01KYKZN5DG4F3AHAGFQN3VY5ZV','agent-01KYKZN6SJM2511X4ZCFFTH4P8','01KYKZ64CPK1P8JZJM1XJ1WEPR',NULL,'customer','FAILED','{\"text\": \"医疗险等待期是多少天？请给出条款来源。\", \"type\": \"text\"}','null','KNOWLEDGE_RERANK_FAILED','2026-07-28 09:07:25','2026-07-28 09:07:27'),('01KYKZR2AMFZED65511Z25J1RX','agent-01KYKZR422A1GENXRC83G8DP6E','01KYKZ64CPK1P8JZJM1XJ1WEPR',NULL,'customer','FAILED','{\"text\": \"医疗险等待期是多少天？请给出条款来源。\", \"type\": \"text\"}','null','KNOWLEDGE_RERANK_FAILED','2026-07-28 09:09:00','2026-07-28 09:09:02'),('01KYM2M75D7EV8JR3R4ZG63TK0','agent-01KYM2MNMVXQQAHWDKYSVGPD28','01KYM2M73HD8NPDVNX80EZWVH0','49433bc1-73e1-40dd-8bf4-d740705d0e54','customer','COMPLETED','{\"text\": \"医疗险等待期是多少天？请给出条款来源。\", \"type\": \"text\"}','{\"text\": \"**结论** \\n疾病医疗责任的等待期为 **30天**；因意外伤害产生的符合约定的医疗费用 **不受等待期限制**。\\n\\n**依据** \\n来源文件：《安心医疗险保险条款》版本 v1，原文为“疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。”\\n\\n**提醒** \\n等待期仅适用于疾病导致的医疗费用，意外事故造成的就医没有等待期，保单生效后即可申请理赔。如果您想了解具体产品的保障计划或保费，欢迎告诉我您的需求。\", \"type\": \"text\", \"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.9708098867787516, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.8728455042003711, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"## 等待期\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.129915337704659, \"title\": \"家庭意外保障常见问题\", \"excerpt\": \"## 保障何时生效\", \"document_id\": \"01KYHCBTWW1PYTNWF7KGNKCJ8V\", \"source_name\": \"家庭意外保障常见问题.md\", \"document_version\": 1}, {\"score\": 0.09054272779166764, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.04663191314972546, \"title\": \"家庭意外保障常见问题\", \"excerpt\": \"用户可以在智保通 H5 的“我的保障”中查看本人账号下的电子保单和保障期限。\", \"document_id\": \"01KYHCBTWW1PYTNWF7KGNKCJ8V\", \"source_name\": \"家庭意外保障常见问题.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/49433bc1-73e1-40dd-8bf4-d740705d0e54?poll=true\", \"service_no\": \"ZBT-20260728-0579\"}',NULL,'2026-07-28 09:59:20','2026-07-28 09:59:35'),('01KYMH8597KKWSJJ8AE0P2DET3','agent-01KYMH8QZ9FNVX89YANX87HH9M','01KYMH856E84CE5CHWD2FW9JX5','9891e028-fe2c-47d8-bb51-96915d3c55bf','customer','COMPLETED','{\"text\": \"安心医疗险的疾病等待期是多少天？意外是否受等待期限制？\", \"type\": \"text\"}','{\"text\": \"**结论**\\n\\n- **疾病等待期：** 安心医疗险的疾病医疗责任等待期为 **30天**。\\n- **意外是否受限：** 因意外伤害产生的符合约定的医疗费用 **不受等待期限制**，投保生效后因意外就医即可按约定申请报销。\\n\\n**依据**\\n\\n安心医疗险保险条款（版本 v1）明确规定：「疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。」（来源：安心医疗险保险条款.md）\\n\\n**提醒**\\n\\n等待期内因疾病发生的医疗费用通常不在保障范围内，建议投保后留意时间节点。意外保障则无此限制，若您经常出差或从事较高风险活动，也可搭配意外险加强保障。如需进一步了解产品详情或测算保费，欢迎随时告诉我。\", \"type\": \"text\", \"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.9782576105819007, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.8628580599009172, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"## 等待期\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.45523912445319575, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.3471510277172714, \"title\": \"家庭意外保障常见问题\", \"excerpt\": \"家庭意外保障主要覆盖意外伤害相关责任，不替代疾病医疗保险。需要疾病住院医疗保障时，应选择医疗险产品。\", \"document_id\": \"01KYHCBTWW1PYTNWF7KGNKCJ8V\", \"source_name\": \"家庭意外保障常见问题.md\", \"document_version\": 1}, {\"score\": 0.17092441583111553, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"# 安心医疗险保险条款\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": 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\"title\": \"安心医疗险保险条款\", \"excerpt\": \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.007228622055110218, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"投保前已经确诊但未如实告知的疾病、非医学必需的美容项目、违法犯罪行为造成的伤害，不属于本产品保障责任。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/a5dc683e-b78b-4a66-9ec3-0d79b7e704fd?poll=true\", \"service_no\": \"ZBT-20260728-4884\"}',NULL,'2026-07-28 14:20:39','2026-07-28 14:21:26'),('01KYMJQ7N6KGSD43T8ZYCFDWMH','agent-01KYMJQW13S4TJD752MX8TTPXJ','01KYMJQ7JYR4J0HB4KVBWY1PZD','ce1b4422-e9f4-4b53-a728-8a48e5b33230','customer','COMPLETED','{\"text\": \"安心医疗险是否可以报销海外整形手术？具体报销比例是多少？\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n**1. 海外整形手术能否报销？**\\n\\n安心医疗险条款明确将 **\\\"非医学必需的美容项目\\\"** 列为不保障责任。但\\\"海外整形手术\\\"这一具体情形在条款中未直接列出，无法确定是否属于该免责范围。\\n\\n依据来源：《安心医疗险保险条款.md》版本v1 —— \\\"投保前已经确诊但未如实告知的疾病、**非医学必需的美容项目**、违法犯罪行为造成的伤害，不属于本产品保障责任。\\\"\\n\\n**2. 具体报销比例是多少？**\\n\\n当前知识库未明确，无法确定。\\n\\n依据来源：《安心医疗险保险条款.md》版本v1 —— \\\"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\\\"\\n\\n---\\n\\n## 提醒\\n\\n如需确认您所持有保单的具体保障范围，请核对电子保单中的保障计划及责任条款，或联系保险公司人工客服核实。最终理赔结论以保险公司审核结果为准。\", \"type\": \"text\", \"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.18006971744946243, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"投保前已经确诊但未如实告知的疾病、非医学必需的美容项目、违法犯罪行为造成的伤害，不属于本产品保障责任。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.11832414517693823, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"# 安心医疗险保险条款\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.10648433011928415, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.05517961898352904, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"在保险期间内，被保险人因疾病或意外伤害在认可的医疗机构接受治疗，发生的合理且必要的住院医疗费用，可按保障计划约定申请医疗费用报销。\", \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}, {\"score\": 0.01755112941490978, \"title\": \"医疗费用报销协助服务规则\", \"excerpt\": \"智保通提供材料整理和申请协助，不代表保险公司作出赔付承诺。最终处理结论以审核结果为准。\", \"document_id\": \"01KYHCBQGAZSQ2DCQ5DS53C21K\", \"source_name\": \"医疗费用报销协助服务规则.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/ce1b4422-e9f4-4b53-a728-8a48e5b33230?poll=true\", \"service_no\": \"ZBT-20260728-5131\"}',NULL,'2026-07-28 14:40:36','2026-07-28 14:40:57'),('01KYMK6Q4A31JXHG6NGQ3XECEQ','agent-01KYMK6VCE9974FYEJNEM6RF6G','01KYMJQ7JYR4J0HB4KVBWY1PZD','dc35188d-378a-481e-9d8e-bb50f715aefb','customer','COMPLETED','{\"text\": \"安心医疗险是否可以报销海外整形手术？具体报销比例是多少？\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n**1. 海外整形手术能否报销？**\\n\\n安心医疗险条款明确将 **\\\"非医学必需的美容项目\\\"** 列为不保障责任。但\\\"海外整形手术\\\"这一具体情形在条款中未直接列出，当前知识库未明确，无法确定是否属于该免责范围。\\n\\n依据来源：《安心医疗险保险条款.md》版本v1 —— \\\"投保前已经确诊但未如实告知的疾病、**非医学必需的美容项目**、违法犯罪行为造成的伤害，不属于本产品保障责任。\\\"\\n\\n**2. 具体报销比例是多少？**\\n\\n当前知识库未明确，无法确定。\\n\\n依据来源：《安心医疗险保险条款.md》版本v1 —— \\\"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\\\"\\n\\n---\\n\\n## 提醒\\n\\n如需确认您所持有保单的具体保障范围，请核对电子保单中的保障计划及责任条款，或联系保险公司人工客服核实。最终理赔结论以保险公司审核结果为准。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260728-2390\"}',NULL,'2026-07-28 14:49:03','2026-07-28 14:49:08'),('01KYMKGN3HKQQYM5W3NHFT22SM','agent-01KYMKGRXWXP6EF06J9XA9KPW2','01KYMJQ7JYR4J0HB4KVBWY1PZD','7170f404-7adc-4c9e-b4c3-3feb2a1cc6cc','customer','COMPLETED','{\"text\": \"你是谁？\", \"type\": \"text\"}','{\"text\": \"我是“智保通”，你的客户保障顾问。我的任务是帮你理解保障需求，并通过已授权的工具给出真实、可核验的投保建议和保险知识解答。有任何保险相关的问题都可以问我！\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260728-7683\"}',NULL,'2026-07-28 14:54:29','2026-07-28 14:54:33'),('01KYMMEGBZ1JQDRMTVDEX7HCJB','agent-01KYMMFCWDS75QPNXE5N6MT4MK','01KYMJQ7JYR4J0HB4KVBWY1PZD','140259ae-5ad8-4390-ac02-c2280d089897','customer','COMPLETED','{\"text\": \"安心医疗险是否可以报销海外整形手术？具体报销比例是多少？\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n**1. 安心医疗险是否可以报销海外整形手术？**\\n\\n安心医疗险条款明确：**\\\"非医学必需的……整形……和其他以改善外观为主要目的的项目\\\"** 不属于保障责任。因此，如果\\\"海外整形手术\\\"是以改善外观为目的的非医学必需整形，则不予报销；如果是医学必需的整形手术（如创伤修复等），当前知识库未明确能否报销。\\n\\n依据来源：《01-安心医疗险保障责任与报销规则.md》版本v1 —— \\\"非医学必需的美容、**整形**、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\\\"\\n\\n同时，条款也提示：判断具体医疗费用能否报销时，应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。\\n\\n**2. 具体报销比例是多少？**\\n\\n对于不属于保障责任的项目，报销比例为 **0%**。\\n\\n依据来源：同上述条款 —— \\\"不属于保障责任的……报销比例为0%。\\\"\\n\\n---\\n\\n## 提醒\\n\\n建议您核对电子保单中具体的保障计划与免责条款，确认手术的治疗目的和就医地域是否在保障范围内。如需进一步确认，可联系保险公司人工客服。最终结论以保险公司审核为准。\", \"type\": \"text\", \"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.7689469594406012, \"title\": \"01-安心医疗险保障责任与报销规则\", \"excerpt\": \"非医学必需的美容、整形、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\", \"document_id\": \"01KYMJMBN6NDK2ZYECJT3BHD0R\", \"source_name\": \"01-安心医疗险保障责任与报销规则.md\", \"document_version\": 1}, {\"score\": 0.4215327521192904, \"title\": \"01-安心医疗险保障责任与报销规则\", \"excerpt\": \"不属于保障范围的医疗费用不参与比例计算，报销比例为0%。\", \"document_id\": \"01KYMJMBN6NDK2ZYECJT3BHD0R\", \"source_name\": \"01-安心医疗险保障责任与报销规则.md\", \"document_version\": 1}, {\"score\": 0.1924699749924405, \"title\": \"01-安心医疗险保障责任与报销规则\", \"excerpt\": \"判断具体医疗费用能否报销时，应同时核对治疗目的、就医地域、医疗机构、医疗费用性质和电子保单对应的产品版本。任一条件不满足时，不得只根据报销比例推断可以赔付。\", \"document_id\": \"01KYMJMBN6NDK2ZYECJT3BHD0R\", \"source_name\": \"01-安心医疗险保障责任与报销规则.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/140259ae-5ad8-4390-ac02-c2280d089897?poll=true\", \"service_no\": \"ZBT-20260728-8321\"}',NULL,'2026-07-28 15:10:47','2026-07-28 15:11:16'),('01KYMMZD5QE0CBCE489DDQSFXA','agent-01KYMN0B6B2VZ0NG91B2JK3FJ5','01KYMJQ7JYR4J0HB4KVBWY1PZD','109e5948-6db7-40ae-bf4d-06c52ecab00c','customer','COMPLETED','{\"text\": \"安心医疗险是否可以报销海外整形手术？具体报销比例是多少？\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n**1. 安心医疗险是否可以报销海外整形手术？**\\n\\n安心医疗险条款规定：**非医学必需的整形、美容以及以改善外观为主要目的的项目不属于保障责任**。因此，如果\\\"海外整形手术\\\"是以改善外观为目的的非医学必需整形，则不予报销。\\n\\n关于\\\"海外\\\"（就医地域）这一因素，条款提示判断报销时应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。当前知识库未明确安心医疗险是否保障海外就医产生的医疗费用，因此无法确定海外场景下的具体适用情况。\\n\\n依据来源：《01-安心医疗险保障责任与报销规则.md》版本v1 —— \\\"非医学必需的美容、**整形**、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\\\"以及\\\"判断具体医疗费用能否报销时，应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。\\\"\\n\\n**2. 具体报销比例是多少？**\\n\\n对于不属于保障责任的项目，报销比例为 **0%**。\\n\\n依据来源：同上 —— \\\"不属于保障责任的……报销比例为0%。\\\"\\n\\n---\\n\\n## 提醒\\n\\n建议您核对电子保单中具体的保障计划与免责条款，同时关注产品对就医地域（是否限中国大陆境内）的规定。如需进一步确认，可联系保险公司人工客服。最终结论以保险公司审核为准。\", \"type\": \"text\", \"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.7401487300773593, \"title\": \"01-安心医疗险保障责任与报销规则\", \"excerpt\": \"非医学必需的美容、整形、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\", \"excerpts\": [\"非医学必需的美容、整形、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\", \"不属于保障范围的医疗费用不参与比例计算，报销比例为0%。\"], \"document_id\": \"01KYMJMBN6NDK2ZYECJT3BHD0R\", \"source_name\": \"01-安心医疗险保障责任与报销规则.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/109e5948-6db7-40ae-bf4d-06c52ecab00c?poll=true\", \"service_no\": \"ZBT-20260728-3189\"}',NULL,'2026-07-28 15:20:01','2026-07-28 15:20:32'),('01KYMN187F0WCT1D4SHBWV1EJ0','agent-01KYMN1G8XMK4G45DY92TENJYY','01KYMJQ7JYR4J0HB4KVBWY1PZD','57633806-3b93-48bd-8db5-051203b94c83','customer','COMPLETED','{\"text\": \"安心医疗险是否可以报销海外整形手术？具体报销比例是多少？\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n**1. 安心医疗险是否可以报销海外整形手术？**\\n\\n安心医疗险条款规定：**非医学必需的整形、美容以及以改善外观为主要目的的项目不属于保障责任**，报销比例为0%。\\n\\n关于\\\"海外\\\"这一地域因素，条款提示判断报销时应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。当前知识库**未明确**安心医疗险是否保障海外就医产生的医疗费用，因此无法确定海外场景下的具体适用情况。\\n\\n对于\\\"医学必需的整形手术\\\"（如创伤修复、烧伤后功能重建等），当前知识库也**未明确**是否属于保障范围，无法确定。\\n\\n依据来源：《01-安心医疗险保障责任与报销规则.md》版本v1 —— \\\"非医学必需的美容、**整形**、塑形、祛斑、祛痣、牙齿美容和其他以改善外观为主要目的的项目不属于保障责任，报销比例为0%。\\\"以及\\\"判断具体医疗费用能否报销时，应同时核对**治疗目的、就医地域、医疗机构、医疗费用性质**和电子保单对应的产品版本。\\\"\\n\\n**2. 具体报销比例是多少？**\\n\\n- 如果属于**非医学必需的整形**（以改善外观为目的）：报销比例为 **0%**。\\n- 如果是其他情形（如医学必需整形、海外就医等）：当前知识库未明确对应报销比例，**无法确定**。\\n\\n依据来源：同上条款中\\\"不属于保障责任的……报销比例为0%\\\"。\\n\\n---\\n\\n## 提醒\\n\\n建议您：\\n1. **核对电子保单**中的保障计划与免责条款，确认产品是否限定中国大陆境内就医。\\n2. 明确手术的具体目的（医学必需还是改善外观），不同目的对应不同的审核结果。\\n3. 如需进一步确认，可联系保险公司人工客服。\\n\\n最终理赔结论以保险公司审核为准。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/57633806-3b93-48bd-8db5-051203b94c83?poll=true\", \"service_no\": \"ZBT-20260728-2560\"}',NULL,'2026-07-28 15:21:01','2026-07-28 15:21:10'),('01KYMR21HP6B0VWPEPRX9PRCPD','agent-01KYMR2GH0AEXTYXDDDTWVZXDB','01KYMR21891SCJVNBA73RXA18R','ac43eb6a-513f-490d-8cca-1d1ae4d94391','customer','COMPLETED','{\"text\": \"我想给65岁的父亲买一份成都地区的医疗保险，请推荐合适方案并测算标准计划保费。\", \"type\": \"text\"}','{\"text\": \"两款产品均通过资格校验，您父亲（65岁，成都地区）符合投保条件。以下是推荐方案：\\n\\n---\\n\\n## 🏆 推荐方案：蓉惠升级医疗险（标准计划）\\n\\n**推荐理由**：您提到\\\"标准计划\\\"，该产品正好设有**标准计划**档位，保障额度更高（300万），兼顾常见住院与重大疾病医疗支出，性价比突出，尤其适合65岁长辈的医疗保障需求。\\n\\n### 两款可选方案对比\\n\\n| 产品 | 计划 | 年保费 | 保障额度 |\\n|------|------|--------|---------|\\n| **蓉惠升级医疗险** ✅ | **标准计划** | **399元/年** | **300万元** |\\n| 蓉惠基础医疗险 | 基础计划 | 239元/年 | 200万元 |\\n\\n两款65岁父亲均**资格通过、可投保**。\\n\\n---\\n\\n## 下一步\\n\\n如果您倾向**蓉惠升级医疗险·标准计划**（399元/年，300万保障），请告诉我，我立即为您生成安全投保表单，引导您完成投保信息填写。\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"覆盖住院医疗及约定门诊费用，适合首次配置医疗保障的人群。\", \"premium_cents\": 23900, \"coverage_amount_cents\": 200000000}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}, {\"name\": \"蓉惠升级医疗险\", \"plans\": [{\"id\": \"241961BBF6CB9B3A7B8239BD26\", \"code\": \"ENHANCED\", \"name\": \"升级计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"提供更高医疗额度和扩展责任，适合重视全面保障的家庭。\", \"premium_cents\": 59900, \"coverage_amount_cents\": 600000000}, {\"id\": \"4996553FFF77E2393AF62FC7A2\", \"code\": \"STANDARD\", \"name\": \"标准计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"提升医疗保障额度，兼顾常见疾病住院和重大疾病医疗支出。\", \"premium_cents\": 39900, \"coverage_amount_cents\": 300000000}], \"summary\": \"提高医疗费用保障额度，并提供标准与升级两档方案灵活选择。\", \"category\": \"MEDICAL\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_code\": \"MED-UPGRADE\", \"product_version_id\": \"193BC2DE7F051493B9331EF6A1\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYMR2BA2WQVR11VTAHGWA8E9\", \"plan_name\": \"基础计划\", \"expires_at\": \"2026-07-28 16:44:03.074692+00:00\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_name\": \"蓉惠基础医疗险\", \"premium_cents\": 23900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}, {\"type\": \"quote\", \"quote\": {\"reason\": null, \"plan_id\": \"4996553FFF77E2393AF62FC7A2\", \"currency\": \"CNY\", \"eligible\": true, \"quote_id\": \"01KYMR2BBPFHYXWTFYKFEKN290\", \"plan_name\": \"标准计划\", \"expires_at\": \"2026-07-28 16:44:03.126345+00:00\", \"product_id\": \"496E33E575F9933D909DC91B2E\", \"product_name\": \"蓉惠升级医疗险\", \"premium_cents\": 39900}, \"title\": \"保费测算结果\", \"version\": \"1.0\"}], \"actions\": [{\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYMR2BA2WQVR11VTAHGWA8E9\", \"plan_code\": \"BASIC\", \"product_code\": \"MED-BASIC\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}, {\"type\": \"open_enrollment\", \"label\": \"填写投保信息\", \"payload\": {\"age\": 65, \"quote_id\": \"01KYMR2BBPFHYXWTFYKFEKN290\", \"plan_code\": \"STANDARD\", \"product_code\": \"MED-UPGRADE\", \"relationship\": \"PARENT\"}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/ac43eb6a-513f-490d-8cca-1d1ae4d94391?poll=true\", \"service_no\": \"ZBT-20260728-2814\"}',NULL,'2026-07-28 16:13:53','2026-07-28 16:14:08'),('01KYMR2GQ5R36P62NGTQ4VG7E3','agent-01KYMR3AN2MS2HJ1G0TCDE4Y4N','01KYMR2GN2JXWZKBBYQYJ599A9','0fd8ed92-18f7-4d24-9de0-139d0b3f0e10','customer','COMPLETED','{\"text\": \"安心医疗险疾病医疗等待期是多少天？请给出条款依据。\", \"type\": \"text\"}','{\"text\": \"**结论**\\n\\n安心医疗险疾病医疗责任的等待期为 **30天**。因意外伤害产生的符合约定的医疗费用不受等待期限制。\\n\\n**依据**\\n\\n安心医疗险保险条款（版本v1）中明确写明：\\\"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\\\"\\n\\n来源：**安心医疗险保险条款.md**（版本v1）\\n\\n**提醒**\\n\\n等待期从保险合同生效之日起计算，在等待期内因疾病发生的医疗费用通常不在保障范围内。建议以您电子保单中的具体条款约定为准，如有疑问可联系人工客服进一步确认。\", \"type\": \"text\", \"cards\": [{\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.048651507139079855, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\", \"excerpts\": [\"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\"], \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": 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16:14:27'),('01KYMR32E0WNWC0Q5V9KCK5GA8','agent-01KYMR4AFCZHWRECYX0RE5NKSV','01KYMR32CTDMPA974Z2MX4XDF9','27a9bfcc-a0a8-4272-9bb7-49dcdec6cd25','customer','COMPLETED','{\"text\": \"安心医疗险疾病医疗等待期是多少天？请给出条款依据。\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n安心医疗险的**疾病医疗责任等待期为30天**。因意外伤害产生的符合约定的医疗费用不受等待期限制。\\n\\n## 依据\\n\\n来源文件：《安心医疗险保险条款.md》（版本v1）中明确载明：\\n\\n> \\\"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\\\"\\n\\n## 提醒\\n\\n上述等待期条款适用于安心医疗险（产品编码：MED-BASIC，即蓉惠基础医疗险）。具体保障责任、免赔额和医院范围，请以您电子保单对应的产品版本和保障计划为准。\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"覆盖住院医疗及约定门诊费用，适合首次配置医疗保障的人群。\", \"premium_cents\": 23900, \"coverage_amount_cents\": 200000000}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}, {\"type\": \"knowledge_sources\", \"items\": [{\"score\": 0.04891591750396616, \"title\": \"安心医疗险保险条款\", \"excerpt\": \"## 等待期\", \"excerpts\": [\"## 等待期\", \"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\"], \"document_id\": \"01KYHBRBNKRQ19NF6E5BKD1SHJ\", \"source_name\": \"安心医疗险保险条款.md\", \"document_version\": 1}], \"title\": \"回答依据\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/27a9bfcc-a0a8-4272-9bb7-49dcdec6cd25?poll=true\", \"service_no\": \"ZBT-20260728-7657\"}',NULL,'2026-07-28 16:14:27','2026-07-28 16:15:08'),('01KYMR3D7ETRG41D0V1730YX4E','agent-01KYMR3SX454X0FKQDEQ2GV4YC','01KYMR3D49EMEZ4CA8253DMV4E','d08f7f11-c823-49ac-a438-2ba396c2fdfa','operation','COMPLETED','{\"text\": \"请分析当前订单、有效保单和累计保费情况，并说明数据依据。\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n当前经营总览显示，累计产生 **83 笔**订单，其中 **54 张**保单处于有效状态，累计保费收入 **13,766.00 元**，整体保单转化率约 **65.1%**，经营状态稳健。\\n\\n## 关键发现\\n\\n1. **订单转化效率良好**——当前累计订单 83 笔，有效保单 54 张，订单到有效保单的转化率约为 65.1%，说明大部分订单已完成承保并保持有效。\\n2. **累计保费规模清晰**——累计保费总额为 **13,766.00 元**，折算平均每张有效保单保费约 255 元，产品以普惠型或短期险种为主。\\n3. **数据口径说明**——上述指标（订单总量、有效保单数、累计保费）均来自 `get_operation_overview` 工具的实时查询结果，统计范围为当前管理员权限下的全部数据，计量单位分别为笔、张和元。\\n\\n## 建议关注\\n\\n- 可进一步按产品维度拆分订单和保单，识别哪类产品转化率最高，为后续推广资源倾斜提供依据。\\n- 建议关注订单中已失效或未承保的约 29 笔差额，排查是否存在核保拒绝、未支付或撤单等情况。\", \"type\": \"text\", \"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 83}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 54}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 13766.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/d08f7f11-c823-49ac-a438-2ba396c2fdfa?poll=true\", \"service_no\": \"ZBT-20260728-6592\"}',NULL,'2026-07-28 16:14:38','2026-07-28 16:14:51'),('01KYMR4ARS2SXQGMRBY7E9DX5F','agent-01KYMR4PXW4JR8WF89DF8VPNH8','01KYMR4APB740H9RWBE6EFD2FH','b14e841d-8490-4204-93d3-30cf56ac4480','operation','COMPLETED','{\"text\": \"请分析当前订单、有效保单和累计保费情况，并说明数据依据。\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n截至目前，平台共累计 **83 笔**订单，其中 **54 张**保单处于有效状态，累计贡献保费 **13,766.00 元**。\\n\\n## 关键发现\\n\\n1. **有效转化率约 65%** —— 83 笔订单中产生了 54 张有效保单，反映订单到承保的转化表现。\\n2. **累计保费规模达 1.38 万元** —— 当前有效保单对应总保费 13,766.00 元，为衡量业务体量的核心指标。\\n3. **经营总览数据完整** —— 以上三项指标均来源于经营总览模块的实时数据快照，统计口径为系统当前全量数据。\\n\\n## 建议关注\\n\\n- 可进一步按时间趋势（近 7/30/90 天）或产品维度拆解上述指标，以判断增长动因或波动来源。\\n- 如发现订单量高但有效保单转化偏低，建议排查承保失败或撤单环节。\", \"type\": \"text\", \"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"订单总量\", \"trend\": null, \"value\": 83}, {\"unit\": \"张\", \"label\": \"有效保单\", \"trend\": null, \"value\": 54}, {\"unit\": \"元\", \"label\": \"累计保费\", \"trend\": null, \"value\": 13766.0}], \"title\": \"经营总览\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/b14e841d-8490-4204-93d3-30cf56ac4480?poll=true\", \"service_no\": \"ZBT-20260728-5958\"}',NULL,'2026-07-28 16:15:08','2026-07-28 16:15:20'),('01KYMR4QTA55AR766FXG3443GQ','agent-01KYMR53XA0NPXMHXV160R6ZMZ','01KYMR4QQ92PHNYA07WFWFX1SK','c3c94a3c-4e93-40af-9271-9706d1a58c27','operation','COMPLETED','{\"text\": \"请分析最近30天订单量按天变化趋势，并说明查询口径。\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n最近 **30 天**（2026-06-29 至 2026-07-26）累计产生 **46 笔** 订单，**7 月 21 日起**订单量出现明显攀升，**7 月 26 日达到峰值 10 笔**，呈阶梯式增长态势。\\n\\n## 关键发现\\n\\n1. **前后两周反差明显，近期推动力显著增强。** 前半段（6/29 – 7/19）日均订单约 1–2 笔，单日最高仅 2 笔；后半段（7/21 – 7/26）日均提升至 **4.5 笔**，尤其 7/25（6 笔）和 7/26（10 笔）连续创下期内高点。\\n2. **7 月 21 日为趋势拐点，订单密集度骤升。** 7/21 和 7/22 均录得 3 笔，之后持续放量，7/24–7/26 三天合计 **19 笔**，占 30 天总量的 **41%**，说明近期可能存在营销活动或渠道放量事件。\\n3. **前半段存在间歇性空档日。** 6/30、7/3、7/4、7/7、7/9、7/10、7/16、7/20 等日期无订单记录，反映早期获客节奏不连续。\\n\\n## 建议关注\\n\\n- 排查 **7 月 21 日前后** 是否有推广活动、产品上新或渠道政策调整上线，确认近期放量的归因来源，为后续投放决策提供依据。\\n- 关注 **7 月 26 日峰值** 是否为一次性冲高（如某渠道集中导入），观察后续 1–2 天订单量是否回落，判断增长势头的可持续性。\\n\\n---\\n\\n**查询口径说明**\\n\\n| 项目 | 内容 |\\n|---|---|\\n| 数据源 | 分析库（analytics），事实表 `fact_orders` |\\n| 聚合方式 | COUNT（单量计数） |\\n| 时间维度 | `dim_date`，按自然日分组 |\\n| 时间窗口 | 最近 30 天（2026-06-29 ~ 2026-07-26） |\\n| 数据范围 | 全量订单（ALL），不限制有效保单状态 |\\n| 只读约束 | 仅读取分析事实表，未修改或回写业务数据 |\", \"type\": \"text\", \"cards\": [{\"type\": \"chart\", \"unit\": \"笔\", \"title\": \"30天订单量趋势\", \"points\": [{\"label\": \"2026-06-29\", \"value\": 1.0}, {\"label\": \"2026-07-01\", \"value\": 1.0}, {\"label\": \"2026-07-02\", \"value\": 1.0}, {\"label\": \"2026-07-05\", \"value\": 2.0}, {\"label\": \"2026-07-06\", \"value\": 2.0}, {\"label\": \"2026-07-08\", \"value\": 1.0}, {\"label\": \"2026-07-11\", \"value\": 1.0}, {\"label\": \"2026-07-12\", \"value\": 1.0}, {\"label\": \"2026-07-13\", \"value\": 1.0}, {\"label\": \"2026-07-14\", \"value\": 2.0}, {\"label\": \"2026-07-15\", \"value\": 2.0}, {\"label\": \"2026-07-17\", \"value\": 1.0}, {\"label\": \"2026-07-18\", \"value\": 2.0}, {\"label\": \"2026-07-19\", \"value\": 1.0}, {\"label\": \"2026-07-21\", \"value\": 3.0}, {\"label\": \"2026-07-22\", \"value\": 3.0}, {\"label\": \"2026-07-23\", \"value\": 2.0}, {\"label\": \"2026-07-24\", \"value\": 3.0}, {\"label\": \"2026-07-25\", \"value\": 6.0}, {\"label\": \"2026-07-26\", \"value\": 10.0}], \"version\": \"1.0\", \"chart_type\": \"line\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/c3c94a3c-4e93-40af-9271-9706d1a58c27?poll=true\", \"service_no\": \"ZBT-20260728-0422\"}',NULL,'2026-07-28 16:15:21','2026-07-28 16:15:34'),('01KYMR75V46H0XS1MGTC0X4J8S','agent-01KYMR790PR0T0T0X1FRYMGWA8','01KYMR75SEF46D3E9VERQRMP9M','9a1ac812-f95a-45ad-958d-32bfc699f844','customer','COMPLETED','{\"text\": \"???:??????????????\", \"type\": \"text\"}','{\"text\": \"您好，我看到您发送的内容看起来像是乱码，我这边没有识别出来。😊\\n\\n为了更好地帮您，请用中文告诉我：\\n\\n**您是想咨询保险方面的问题吗？比如：**\\n- 想给自己或家人配置一份保险？\\n- 想了解某款产品的保障责任？\\n- 查询已有的保单或订单信息？\\n- 或者其他保险相关的问题？\\n\\n请简单说一下您的情况和需求，我来为您提供帮助！\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260728-4596\"}',NULL,'2026-07-28 16:16:41','2026-07-28 16:16:45'),('01KYMR793MEXHV1VFNEC942SE5','agent-01KYMR7CG5FDEAYVQECA8XKMFJ','01KYMR7926M39NXNEJTTYD28WD','12b93509-0512-4e56-ba35-ba3d613f3846','customer','COMPLETED','{\"text\": \"????????,?????????????\", \"type\": \"text\"}','{\"text\": \"您好，我收到您的消息，但内容显示为乱码，无法识别具体问题。\\n\\n请您重新发送一下，以便我为您提供准确的保险咨询和投保建议。您可以直接告诉我，例如：\\n\\n- 想给谁（自己/父母/配偶/孩子）咨询保险\\n- 对方的年龄、所在城市、职业\\n- 想了解哪方面的保障（医疗/意外等）\\n\\n我会竭诚为您服务！\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/12b93509-0512-4e56-ba35-ba3d613f3846?poll=true\", \"service_no\": \"ZBT-20260728-3040\"}',NULL,'2026-07-28 16:16:45','2026-07-28 16:16:48'),('01KYMRAAZR8P0RDD5EQFG2FRZJ','agent-01KYMRAWDDPMFWRNP0JM52MP7R','01KYMRAAYEASGGS7WFFR52F6YX','a340fc6f-d86f-4436-bfcf-ab2cc29eb68f','customer','COMPLETED','{\"text\": \"请记住：我优先考虑为父母配置医疗险。\", \"type\": \"text\"}','{\"text\": \"已为您保存 ✅ \\n以后沟通中，我会优先考虑为您的父母配置医疗险的需求。如果您方便，可以告诉我父母的具体年龄、常住地区和健康状况，我帮您筛选合适的产品。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/a340fc6f-d86f-4436-bfcf-ab2cc29eb68f?poll=true\", \"service_no\": \"ZBT-20260728-5415\"}',NULL,'2026-07-28 16:18:25','2026-07-28 16:18:43'),('01KYMRAWG21A6TTQS3BNYKFRWC','agent-01KYMRB23ZWWBD4FJHBV8PHY8M','01KYMRAWEQWFZDFN4446C76ZCK','72644e50-4651-44fc-8d55-d7788710120a','customer','COMPLETED','{\"text\": \"根据你记住的内容，我优先想为谁配置哪类保险？\", \"type\": \"text\"}','{\"text\": \"根据您之前保存的偏好（2026年7月28日记录），您**优先考虑为父母配置医疗险**。\\n\\n如果您现在想继续了解或落实这个方案，可以告诉我：\\n\\n- **父母的年龄**是多少？\\n- **常住地区**是哪里？\\n- 父母目前从事什么**职业**（如已退休可按退休填写）？\\n\\n这样我可以查询当前在售产品，帮您做保费测算和推荐。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/72644e50-4651-44fc-8d55-d7788710120a?poll=true\", \"service_no\": \"ZBT-20260728-4484\"}',NULL,'2026-07-28 16:18:43','2026-07-28 16:18:49'),('01KYNY4A2Z55JX74TXF8AYDD90','agent-01KYNY6ZMGSYJG2KY9C49D9SK9','01KYNY4A15D91AT6HQY3F9F8W1','170f2597-f5d6-4f6b-8628-2118826079bf','customer','COMPLETED','{\"text\": \"我准备给65岁的父亲购买安心医疗险。他常住成都，请帮我同时确认投保年龄、等待期、住院报销比例、免赔额，以及海外整形手术能不能报销，并给出条款依据。\", \"type\": \"text\"}','{\"text\": \"好的，我已经完成了多轮检索。在回答前，先跟您说明一个重要情况——\\n\\n**关于产品名称**：当前在售产品中并没有直接叫\\\"安心医疗险\\\"的产品。知识库中有《安心医疗险保险条款》文档（版本v1），关联的是 **蓉惠基础医疗险（MED-BASIC）**。您的父亲65岁，该产品基础计划最高投保年龄恰好为65岁。\\n\\n下面我根据已检索到的条款，逐项为您解答：\\n\\n---\\n\\n### 1. 投保年龄\\n**结论**：蓉惠基础医疗险基础计划，投保年龄范围为 **0~65周岁**，您父亲65周岁符合条件。\\n**依据**：产品信息显示基础计划 `min_age=0，max_age=65`。\\n\\n### 2. 等待期\\n**结论**：疾病医疗责任的等待期为 **30天**；因意外伤害产生的符合约定的医疗费用不受等待期限制。\\n**依据**：《安心医疗险保险条款》（版本v1）——\\\"疾病医疗责任的等待期为30天。因意外伤害产生的符合约定的医疗费用不受等待期限制。\\\"\\n\\n### 3. 住院报销比例\\n**结论**：当前知识库未明确具体报销比例数值，无法确定。\\n**依据**：《安心医疗险保险条款》（版本v1）——\\\"具体责任、免赔额、报销比例和医院范围，以用户电子保单对应的产品版本和保障计划为准。\\\"\\n\\n### 4. 免赔额\\n**结论**：当前知识库未明确具体免赔额数值，无法确定。\\n**依据**：同上条款，免赔额以电子保单对应的产品版本和保障计划为准。\\n\\n### 5. 海外整形手术能否报销\\n**结论**：当前知识库未明确，无法确定。\\n**依据**：条款中免责范围写了\\\"非医学必需的美容项目\\\"不属于保障责任，但条款 **未明确列出\\\"海外整形手术\\\"** 这一具体情形。根据证据边界规则，宽泛条款不能自动套用到具体场景，因此无法给出结论。\\n\\n---\\n\\n**提醒**：以上结论基于《安心医疗险保险条款》（版本v1）以及产品基本信息。报销比例、免赔额等具体数值，需以您父亲实际投保后电子保单上载明的版本和计划为准。\\n\\n如需进一步了解，您可以告诉我：\\n- 您说的\\\"安心医疗险\\\"是否指 **蓉惠基础医疗险**？\\n- 是否要我查询这款产品的具体保费，或为您推荐最匹配的计划？\", \"type\": \"text\", \"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"蓉惠基础医疗险\", \"plans\": [{\"id\": \"B44E9CDD4FA05EF5D3CF6052FC\", \"code\": \"BASIC\", \"name\": \"基础计划\", \"max_age\": 65, \"min_age\": 0, \"summary\": \"覆盖住院医疗及约定门诊费用，适合首次配置医疗保障的人群。\", \"premium_cents\": 23900, \"coverage_amount_cents\": 200000000}], \"summary\": \"覆盖常见住院医疗费用，为年轻家庭提供简洁实用的基础保障。\", \"category\": \"MEDICAL\", \"product_id\": \"480D63DF047D07380D240A7759\", \"product_code\": \"MED-BASIC\", \"product_version_id\": \"E147B8A269B34B20A065EA9DF3\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/170f2597-f5d6-4f6b-8628-2118826079bf?poll=true\", \"service_no\": \"ZBT-20260729-0342\"}',NULL,'2026-07-29 03:19:13','2026-07-29 03:20:41'),('01KYNY86JVG0BN6A4W3WZNKE99','agent-01KYNY8E77400VV38RF94J5X18','01KYNY4A15D91AT6HQY3F9F8W1','84cf8569-71ba-4920-89b8-cd7030ffbbe5','customer','COMPLETED','{\"text\": \"我想给一家三口配置意外保障，请帮我推荐。\", \"type\": \"text\"}','{\"text\": \"## 需求判断\\n\\n您想为一家三口配置意外保障，目标清晰。但经过查询——\\n\\n### 当前在售意外险产品：无\\n\\n目前系统内暂**没有在售的意外险产品**，无法为您推荐意外险。\\n\\n---\\n\\n### 替代建议\\n\\n意外保障通常包含**意外身故/伤残**和**意外医疗**两部分。如果您关心的主要是**意外医疗费用**报销，也可以考虑**医疗险**——医疗险通常覆盖因意外伤害产生的符合约定的医疗费用。\\n\\n是否需要我为您查询当前在售的医疗险产品，看看是否有适合一家三口的方案？\\n\\n或者您可以先告诉我：\\n- **您本人、配偶和孩子的年龄**分别是多少？\\n- **常住地区**是哪里？\\n- **职业类别**情况如何？\\n\\n有了这些信息，我可以帮您看看是否有其他合适的保障方案。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/84cf8569-71ba-4920-89b8-cd7030ffbbe5?poll=true\", \"service_no\": \"ZBT-20260729-4707\"}',NULL,'2026-07-29 03:21:21','2026-07-29 03:21:29'),('01KYNYB2Z5S9QSDWZNS603754P','agent-01KYNYB6Q3MG4PTKKN492XKAPW','01KYNY4A15D91AT6HQY3F9F8W1','3a8a9984-67a9-4e0d-831f-7b547d622b0b','customer','COMPLETED','{\"text\": \"请记住我的手机号是13812345678\", \"type\": \"text\"}','{\"text\": \"抱歉，根据规定，我**不能保存手机号、身份证号、银行卡号、验证码、密码、令牌或医疗诊断详情**等敏感信息。\\n\\n您的手机号仅用于投保流程中的安全验证，建议您在后续投保需要时，通过安全表单直接填写，这样不会在对话中留下记录，更加安全。\\n\\n如果您有其他保障偏好或家庭信息希望我记住（比如居住城市、投保年龄、家庭成员等非敏感信息），可以告诉我，我很乐意帮您保存。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260729-6220\"}',NULL,'2026-07-29 03:22:55','2026-07-29 03:22:59'),('01KYNYC5EDRTY5EXNRS66MRWAB','agent-01KYNYE90W93VA11AMQXJPJENN','01KYNY4A15D91AT6HQY3F9F8W1','5ada943e-9cfc-44ec-a15a-ba7e8ccd6769','customer','COMPLETED','{\"text\": \"请记住：我以后优先为父母配置医疗险，预算每人每年500元以内，比较关注住院医疗和等待期。\", \"type\": \"text\"}','{\"text\": \"已为您保存（记忆编号：01KYNYC72ENJWT132CAKK35MDA）。以后您提到为父母配置保障时，我会优先按这个方向来推荐。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/5ada943e-9cfc-44ec-a15a-ba7e8ccd6769?poll=true\", \"service_no\": \"ZBT-20260729-6816\"}',NULL,'2026-07-29 03:23:31','2026-07-29 03:24:40'),('01KYNYGSSQTQX389255K11JSAR','agent-01KYNYH2VDA4Y9VAZYTTEE3EEM','01KYNYGSR5JJRJBVEZGBEMKTRB','3e415dcc-788c-4355-b9b9-36e44057f323','operation','COMPLETED','{\"text\": \"请分析最近30天每天的订单保费趋势，指出最高和最低的一天，并展示图表。\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n最近30天订单保费合计 **11,555 元**，日峰值出现在 **7月26日（2,210 元）**，最低值为 **7月1日与7月17日（各159 元）**，月末最后一周保费明显放量，占全周期的 **40.5%**。\\n\\n## 关键发现\\n\\n1. **月末保费爆发式增长** — 7月24日至26日连续三天保费分别为837元、1,634元、2,210元，三日合计4,681元，占30天总保费的40.5%，是近期最强的保费冲刺窗口。\\n2. **低频日周期明显** — 30天中仅19天有订单记录，其中7月3–4日、7月7日、7月9–10日、7月16日、7月20日等11天无任何保费入账，存在订单间断缺口。\\n3. **日保费极差大** — 单日最高（7/26，2,210元）是最低日（7/1、7/17，159元）的 **13.9 倍**，波动幅度显著。\\n\\n## 建议关注\\n\\n- 排查7月24–26日保费激增的来源（产品类型或推广渠道），评估该增长是否具备可复制的策略，以填补低频日的空白。\\n- 分析7月3–4日、7月7日等零保费日的流量和转化链路，确认是否存在系统拦截、产品下架或推广投放中断等异常因素。\", \"type\": \"text\", \"cards\": [{\"type\": \"chart\", \"unit\": \"元\", \"title\": \"30天订单保费趋势\", \"points\": [{\"label\": \"2026-07-01\", \"value\": 159.0}, {\"label\": \"2026-07-02\", \"value\": 399.0}, {\"label\": \"2026-07-05\", \"value\": 558.0}, {\"label\": \"2026-07-06\", \"value\": 638.0}, {\"label\": \"2026-07-08\", \"value\": 399.0}, {\"label\": \"2026-07-11\", \"value\": 199.0}, {\"label\": \"2026-07-12\", \"value\": 239.0}, {\"label\": \"2026-07-13\", \"value\": 199.0}, {\"label\": \"2026-07-14\", \"value\": 638.0}, {\"label\": \"2026-07-15\", \"value\": 478.0}, {\"label\": \"2026-07-17\", \"value\": 159.0}, {\"label\": \"2026-07-18\", \"value\": 638.0}, {\"label\": \"2026-07-19\", \"value\": 599.0}, {\"label\": \"2026-07-21\", \"value\": 597.0}, {\"label\": \"2026-07-22\", \"value\": 577.0}, {\"label\": \"2026-07-23\", \"value\": 398.0}, {\"label\": \"2026-07-24\", \"value\": 837.0}, {\"label\": \"2026-07-25\", \"value\": 1634.0}, {\"label\": \"2026-07-26\", \"value\": 2210.0}], \"version\": \"1.0\", \"chart_type\": \"line\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/3e415dcc-788c-4355-b9b9-36e44057f323?poll=true\", \"service_no\": \"ZBT-20260729-1370\"}',NULL,'2026-07-29 03:26:03','2026-07-29 03:26:12'),('01KYNYPX0SQPBDDTG9TPJ21T1J','agent-01KYNYQ146VE5CRX2EJJB0474Y','01KYNY4A15D91AT6HQY3F9F8W1','7e98feb8-2fcb-41cf-bf87-171a67bf77b9','customer','COMPLETED','{\"text\": \"请记住：我偏好医疗险，我的银行卡号是622202XXXXXXXXXXXX。\", \"type\": \"text\"}','{\"text\": \"抱歉，根据安全规定，我**不能保存银行卡号、手机号、身份证号、验证码、密码或令牌**等敏感信息。\\n\\n您的银行卡号请妥善保管，后续投保支付时通过安全加密渠道直接填写，不要在对话中留存，以免信息泄露。\\n\\n关于\\\"偏好医疗险\\\"这部分，如果您愿意我可以帮您保存。需要我保存这个偏好吗？\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260729-8328\"}',NULL,'2026-07-29 03:29:22','2026-07-29 03:29:27'),('01KYNYQDG2QR3GKXY6ZCBJ8W26','agent-01KYNYQM13N7GQ468VH9WQ59R3','01KYNY4A15D91AT6HQY3F9F8W1','6fd913ce-5d55-47e5-bd63-4ae2e3854e1f','customer','COMPLETED','{\"text\": \"保存吧\", \"type\": \"text\"}','{\"text\": \"已为您保存（记忆编号：01KYNYQEVNAW7DR81W36FQ6JR8）。以后需要保障推荐时，我会优先为您匹配医疗险产品。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/34c40661-f218-49e7-99f0-563a7955521a/r/6fd913ce-5d55-47e5-bd63-4ae2e3854e1f?poll=true\", \"service_no\": \"ZBT-20260729-5702\"}',NULL,'2026-07-29 03:29:39','2026-07-29 03:29:46'); /*!40000 ALTER TABLE `agent_runs` ENABLE KEYS */; UNLOCK TABLES; -- -- Table structure for table `agent_threads` -- DROP TABLE IF EXISTS `agent_threads`; /*!40101 SET @saved_cs_client = @@character_set_client */; /*!50503 SET character_set_client = utf8mb4 */; CREATE TABLE `agent_threads` ( `id` varchar(26) NOT NULL, `owner_type` varchar(16) NOT NULL, `owner_id` varchar(26) NOT NULL, `persona` varchar(32) NOT NULL, `title` varchar(128) NOT NULL, `status` varchar(32) NOT NULL, `created_at` datetime NOT NULL, `updated_at` datetime NOT NULL, PRIMARY KEY (`id`), KEY `ix_agent_threads_owner_updated` (`owner_type`,`owner_id`,`updated_at`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci; /*!40101 SET character_set_client = @saved_cs_client */; -- -- Dumping data for table `agent_threads` -- LOCK TABLES `agent_threads` WRITE; /*!40000 ALTER TABLE `agent_threads` DISABLE KEYS */; INSERT INTO `agent_threads` VALUES ('01KYD5XP2GQHVYAKPBM5YQFMS4','H5_USER','01KYD5WX4FZQX55S5YK3B49W3B','customer','智能投保咨询','ACTIVE','2026-07-25 17:42:15','2026-07-25 17:42:15'),('01KYE9TEQRDT8JNV2Q01CE9K4S','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 04:09:38','2026-07-26 04:09:38'),('01KYEDKWQ0SGJ43FC271MSY2S9','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 05:15:57','2026-07-26 05:15:57'),('01KYEFRNDQK8RWEKTVGTE4B4J7','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 05:53:31','2026-07-26 05:53:31'),('01KYEG6DCSAN86GAS42JBGFS4A','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 06:01:01','2026-07-26 06:01:01'),('01KYEGGR4NPH1NSYCHQ15GY8R0','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 06:06:40','2026-07-26 06:06:40'),('01KYEGS0V0XGF2JJPCNSPT650F','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 06:11:11','2026-07-26 06:11:11'),('01KYESG2JSAF9XP1HRZTWTQJEM','ADMIN_USER','8DA193366E1554C08B2870C50F','operation','真实运营模型复测','ACTIVE','2026-07-26 08:43:35','2026-07-26 08:43:35'),('01KYEWGS7FPK95PNSPM008JT9M','ADMIN_USER','8DA193366E1554C08B2870C50F','operation','运营数据分析','ACTIVE','2026-07-26 09:36:24','2026-07-26 09:36:24'),('01KYEX6MNQP85XJ0BMVRVGCG2X','ADMIN_USER','8DA193366E1554C08B2870C50F','operation','运营数据分析','ACTIVE','2026-07-26 09:48:20','2026-07-26 09:48:20'),('01KYEXGHVNZ3YM2KHKBBFJSQPC','ADMIN_USER','8DA193366E1554C08B2870C50F','operation','运营数据分析','ACTIVE','2026-07-26 09:53:45','2026-07-26 09:53:45'),('01KYEZHZ7HN9QAHTKCCFWH89FX','ADMIN_USER','8DA193366E1554C08B2870C50F','operation','运营数据分析','ACTIVE','2026-07-26 10:29:28','2026-07-26 10:29:28'),('01KYEZXQBXSWQGNVZ60ZHDFMNK','ADMIN_USER','8DA193366E1554C08B2870C50F','operation','运营数据分析','ACTIVE','2026-07-26 10:35:54','2026-07-26 10:35:54'),('01KYF02RXY7YNS5A4X12HRAK11','ADMIN_USER','8DA193366E1554C08B2870C50F','operation','运营数据分析','ACTIVE','2026-07-26 10:38:39','2026-07-26 10:38:39'),('01KYF04V0CP6PJ738NQBY6HQ1W','ADMIN_USER','8DA193366E1554C08B2870C50F','operation','运营数据分析','ACTIVE','2026-07-26 10:39:47','2026-07-26 10:39:47'),('01KYF2192DZ3DYEQMW015EHP5Y','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 11:12:47','2026-07-26 11:12:47'),('01KYF2862Y476WZ0PRY6B3G27E','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 11:16:34','2026-07-26 11:16:34'),('01KYF2SJ51TJ5JTJ4JK7E99974','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-26 11:26:03','2026-07-26 11:26:03'),('01KYGTA49Q2DMQYKANE1WVNJMP','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','智能投保咨询','ACTIVE','2026-07-27 03:36:17','2026-07-27 03:36:17'),('01KYKYEMA8Q6JK9C5HNX87PT1Q','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','申请医疗费用报销协助需要准备哪些材料？','ACTIVE','2026-07-28 08:46:23','2026-07-28 08:46:23'),('01KYKZ2XSWHN23ER8R1AB7CYWH','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','医疗险等待期是多少天？请给出条款来源。','ACTIVE','2026-07-28 08:57:28','2026-07-28 08:57:28'),('01KYKZ64CPK1P8JZJM1XJ1WEPR','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','医疗险等待期是多少天？请给出条款来源。','ACTIVE','2026-07-28 08:59:13','2026-07-28 09:09:00'),('01KYM2M73HD8NPDVNX80EZWVH0','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','医疗险等待期是多少天？请给出条款来源。','ACTIVE','2026-07-28 09:59:20','2026-07-28 09:59:20'),('01KYMH856E84CE5CHWD2FW9JX5','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','安心医疗险的疾病等待期是多少天？意外是否受等待期限制？','ACTIVE','2026-07-28 14:14:53','2026-07-28 14:20:39'),('01KYMJQ7JYR4J0HB4KVBWY1PZD','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','customer','安心医疗险是否可以报销海外整形手术？具体报销比例是多少？','ACTIVE','2026-07-28 14:40:36','2026-07-28 15:21:01'),('01KYMR21891SCJVNBA73RXA18R','H5_USER','01KYMR215KVFAJ5JEKHPD7K18W','customer','评测-customer-recommend-parent','ACTIVE','2026-07-28 16:13:53','2026-07-28 16:13:53'),('01KYMR2GN2JXWZKBBYQYJ599A9','H5_USER','01KYMR215KVFAJ5JEKHPD7K18W','customer','评测-customer-agentic-rag-waiting-period','ACTIVE','2026-07-28 16:14:09','2026-07-28 16:14:09'),('01KYMR2MXER6VSBBWFH24HTPDG','H5_USER','01KYMR215KVFAJ5JEKHPD7K18W','customer','评测-customer-recommend-parent','ACTIVE','2026-07-28 16:14:13','2026-07-28 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/*!40000 ALTER TABLE `fact_policies` ENABLE KEYS */; UNLOCK TABLES; -- -- Table structure for table `metric_definitions` -- DROP TABLE IF EXISTS `metric_definitions`; /*!40101 SET @saved_cs_client = @@character_set_client */; /*!50503 SET character_set_client = utf8mb4 */; CREATE TABLE `metric_definitions` ( `metric_code` varchar(64) NOT NULL, `name` varchar(128) NOT NULL, `description` varchar(500) NOT NULL, `unit` varchar(16) NOT NULL, `expression` varchar(1000) NOT NULL, `warning_threshold` decimal(18,4) DEFAULT NULL, PRIMARY KEY (`metric_code`) ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci; /*!40101 SET character_set_client = @saved_cs_client */; -- -- Dumping data for table `metric_definitions` -- LOCK TABLES `metric_definitions` WRITE; /*!40000 ALTER TABLE `metric_definitions` DISABLE KEYS */; INSERT INTO `metric_definitions` VALUES ('ACTIVE_POLICY_COUNT','有效保单量','受控指标：有效保单量','张','COUNT(fact_policies)',NULL),('ACTIVE_POLICY_PREMIUM_SUM','有效保单保费','受控指标：有效保单保费','元','SUM(fact_policies)',NULL),('ORDER_COUNT','订单量','受控指标：订单量','笔','COUNT(fact_orders)',NULL),('ORDER_PREMIUM_SUM','订单保费','受控指标：订单保费','元','SUM(fact_orders)',NULL); /*!40000 ALTER TABLE `metric_definitions` ENABLE KEYS */; UNLOCK TABLES; -- -- Dumping events for database 'insurance_s2_analytics' -- -- -- Dumping routines for database 'insurance_s2_analytics' -- /*!40103 SET TIME_ZONE=@OLD_TIME_ZONE */; /*!40101 SET SQL_MODE=@OLD_SQL_MODE */; /*!40014 SET FOREIGN_KEY_CHECKS=@OLD_FOREIGN_KEY_CHECKS */; /*!40014 SET UNIQUE_CHECKS=@OLD_UNIQUE_CHECKS */; /*!40101 SET CHARACTER_SET_CLIENT=@OLD_CHARACTER_SET_CLIENT */; /*!40101 SET CHARACTER_SET_RESULTS=@OLD_CHARACTER_SET_RESULTS */; /*!40101 SET COLLATION_CONNECTION=@OLD_COLLATION_CONNECTION */; /*!40111 SET SQL_NOTES=@OLD_SQL_NOTES */; -- Dump completed on 2026-07-30 17:52:53