harness_zbt/database/mysql.sql

-- 智保通第 3 阶段 MySQL 数据库快照
-- 数据来源：insurance_s3_core, insurance_s3_agent, insurance_s3_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_s3_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_s3_core`
--

CREATE DATABASE /*!32312 IF NOT EXISTS*/ `insurance_s3_core` /*!40100 DEFAULT CHARACTER SET utf8mb4 COLLATE utf8mb4_0900_ai_ci */ /*!80016 DEFAULT ENCRYPTION='N' */;

USE `insurance_s3_core`;

--
-- Table structure for table `admin_user_roles`
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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 */;

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INSERT INTO `admin_user_roles` VALUES ('8DA193366E1554C08B2870C50F','01KYHB9KN7JHXTRGXJSY19VE2P'),('C0242690806AB3C179C0A8E570','01KYHB9KP9T1D4DBXNZVEEECX9'),('2C6EC1575BBE6A11BCB353840E','01KYHB9KQ3RB17GX5KFYEE471W'),('049583364AAFD1D464790291F1','01KYHB9KQEEK74AJR6NMS8AP2H'),('1213C1BE3E46C85B046E537164','01KYHB9KQEEK74AJR6NMS8AP2H'),('8711E186E18E0014B63737413B','01KYHB9KQEEK74AJR6NMS8AP2H'),('8ABF088E93B9B2563AB6F65071','01KYHB9KQEEK74AJR6NMS8AP2H'),('D9DBDFFE158677F2CBBA4A67C6','01KYHB9KQEEK74AJR6NMS8AP2H'),('F1B93DD6E3341858AA695BEC7F','01KYHB9KQEEK74AJR6NMS8AP2H');
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DROP TABLE IF EXISTS `admin_users`;
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/*!50503 SET character_set_client = utf8mb4 */;
CREATE TABLE `admin_users` (
  `id` varchar(26) NOT NULL,
  `username` varchar(64) NOT NULL,
  `password_hash` varchar(255) NOT NULL,
  `display_name` varchar(64) NOT NULL,
  `status` varchar(32) NOT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `username` (`username`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
/*!40101 SET character_set_client = @saved_cs_client */;

--
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INSERT INTO `admin_users` VALUES ('049583364AAFD1D464790291F1','sales_d','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','陈晨','ACTIVE'),('1213C1BE3E46C85B046E537164','sales_b','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','李娜','ACTIVE'),('2C6EC1575BBE6A11BCB353840E','reviewer01','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','审核人员','ACTIVE'),('8711E186E18E0014B63737413B','sales_f','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','赵敏','ACTIVE'),('8ABF088E93B9B2563AB6F65071','sales_e','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','刘洋','ACTIVE'),('8DA193366E1554C08B2870C50F','admin','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','超级管理员','ACTIVE'),('C0242690806AB3C179C0A8E570','operator01','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','运营人员','ACTIVE'),('D9DBDFFE158677F2CBBA4A67C6','sales_a','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','张伟','ACTIVE'),('F1B93DD6E3341858AA695BEC7F','sales_c','$argon2id$v=19$m=65536,t=3,p=4$7kjI2vPS3PyGtxeOZLP13A$ay3VmCzbgTSfKJynAR0PPgmO4cjRgQOExdoGCt7QOMA','王磊','ACTIVE');
/*!40000 ALTER TABLE `admin_users` ENABLE KEYS */;
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--
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DROP TABLE IF EXISTS `alembic_version`;
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CREATE TABLE `alembic_version` (
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  PRIMARY KEY (`version_num`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
/*!40101 SET character_set_client = @saved_cs_client */;

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INSERT INTO `alembic_version` VALUES ('core_0011');
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--
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CREATE TABLE `async_tasks` (
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  `idempotency_key` varchar(128) NOT NULL,
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  `status` varchar(32) NOT NULL,
  `attempt_count` int NOT NULL,
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  PRIMARY KEY (`id`),
  UNIQUE KEY `idempotency_key` (`idempotency_key`),
  KEY `ix_async_tasks_claim` (`status`,`created_at`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
/*!40101 SET character_set_client = @saved_cs_client */;

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--
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/*!40101 SET @saved_cs_client     = @@character_set_client */;
/*!50503 SET character_set_client = utf8mb4 */;
CREATE TABLE `auth_sessions` (
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  `subject_type` varchar(16) NOT NULL,
  `subject_id` varchar(26) NOT NULL,
  `refresh_jti_hash` varchar(64) NOT NULL,
  `expires_at` datetime NOT NULL,
  `revoked_at` datetime DEFAULT NULL,
  `created_at` datetime NOT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `refresh_jti_hash` (`refresh_jti_hash`),
  KEY `ix_auth_sessions_subject` (`subject_type`,`subject_id`,`revoked_at`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
/*!40101 SET character_set_client = @saved_cs_client */;

--
-- Dumping data for table `auth_sessions`
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INSERT INTO `auth_sessions` VALUES ('01KYPF94C7Y2NMCQGY2K8G0RZ7','ADMIN_USER','8DA193366E1554C08B2870C50F','e1c9d6a3a700f9411e59955682afa0971bca5deec6e6181db689e93456a53d9c','2026-08-05 11:11:24',NULL,'2026-07-29 08:18:57'),('01KYPVJ4K9KC1CCA2PMXS44PBK','ADMIN_USER','8DA193366E1554C08B2870C50F','6b708f9d36cccb0d7fa3a3ab885f9f1d2578a278231e68455e9146d25eaf2b43','2026-08-06 03:46:17',NULL,'2026-07-29 11:53:35'),('01KYPVSMFM1Z0BYJVZAZ110MHB','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','d7046f26250cc1b67c15ee9fe225173e542db16eb1f36165455aa5df4b373461','2026-08-06 03:57:26',NULL,'2026-07-29 11:57:41'),('01KYRNX7J95CFP6NM5KQ2A528Q','H5_USER','01KYCYF9237PSZWBD84R3C9XNQ','866659a8b45e1eeefd8bdad90c9b668ec59d88f2922731024fb80d9704dbedf1','2026-08-06 04:53:16',NULL,'2026-07-30 04:53:16'),('01KYRNYSC9PBWGEY8EZTB9ZG58','ADMIN_USER','8DA193366E1554C08B2870C50F','3a448892be7f4b4bf251fc2309f6f60093ae15fa01e1819175d28238c2965fcb','2026-08-06 05:09:20',NULL,'2026-07-30 04:54:07');
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--
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CREATE TABLE `eligibility_rules` (
  `id` varchar(26) NOT NULL,
  `product_version_id` varchar(26) NOT NULL,
  `rule_code` varchar(64) NOT NULL,
  `rule_type` varchar(32) NOT NULL,
  `operator` varchar(16) NOT NULL,
  `parameters_json` json NOT NULL,
  `failure_code` varchar(64) NOT NULL,
  `failure_message` varchar(255) NOT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `uq_eligibility_rule` (`product_version_id`,`rule_code`),
  CONSTRAINT `eligibility_rules_ibfk_1` FOREIGN KEY (`product_version_id`) REFERENCES `product_versions` (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
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--
-- Table structure for table `enrollment_drafts`
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/*!40101 SET @saved_cs_client     = @@character_set_client */;
/*!50503 SET character_set_client = utf8mb4 */;
CREATE TABLE `enrollment_drafts` (
  `id` varchar(26) NOT NULL,
  `h5_user_id` varchar(26) NOT NULL,
  `quote_id` varchar(26) NOT NULL,
  `applicant_json` json NOT NULL,
  `insured_json` json NOT NULL,
  `contact_json` json NOT NULL,
  `status` varchar(32) NOT NULL,
  `expires_at` datetime NOT NULL,
  `created_at` datetime NOT NULL,
  PRIMARY KEY (`id`),
  KEY `quote_id` (`quote_id`),
  KEY `ix_drafts_user_status` (`h5_user_id`,`status`,`created_at`),
  CONSTRAINT `enrollment_drafts_ibfk_1` FOREIGN KEY (`h5_user_id`) REFERENCES `h5_users` (`id`),
  CONSTRAINT `enrollment_drafts_ibfk_2` FOREIGN KEY (`quote_id`) REFERENCES `quotes` (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
/*!40101 SET character_set_client = @saved_cs_client */;

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17:42:36'),('01KYD6BZ0MR2X5HJBW320W073D','01KYD6BYVQ72C8MD42KGN6CQYM','01KYD6BYZZ4V9Z19Z5S5T7BQQA','{\"name\": \"李四\", \"id_no\": \"510100199101010001\"}','{\"name\": \"李父\", \"id_no\": \"510100196101010002\"}','{\"mobile\": \"18800000004\"}','EDITABLE','2026-07-26 17:50:03','2026-07-25 17:50:03'),('01KYEEWQB4W0JCEESETMQ20605','01KYCYF9237PSZWBD84R3C9XNQ','01KYEETHR7WH781RYVS5E378RW','{\"name\": \"杨一\", \"id_no\": \"511381199214151212\"}','{\"name\": \"杨一\", \"id_no\": \"511381199214151212\"}','{\"mobile\": \"18800000002\"}','EDITABLE','2026-07-27 05:38:15','2026-07-26 05:38:15'),('01KYEGWT243XRN5C6A56CDXK6A','01KYCYF9237PSZWBD84R3C9XNQ','01KYEGW1A43XDNM16EAP4K4Z9Z','{\"name\": \"测试1\", \"id_no\": \"511381111111111111\"}','{\"name\": \"测试2\", \"id_no\": \"511381111111111111\"}','{\"mobile\": \"18800000003\"}','EDITABLE','2026-07-27 06:13:15','2026-07-26 06:13:15'),('01KYEHP1D6VN6XHJNZXJ176MZD','01KYCYF9237PSZWBD84R3C9XNQ','01KYEHMTG1MKCCF9FBSEYJP41B','{\"name\": \"ccs\", \"id_no\": 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10:16:00'),('36529405415416DDDFC1BE5035','AD9A6BC54386A40A3EB7972861','E1B4844F9EFC599A865F7F762F','{\"name\": \"周晚意\", \"id_no\": \"510104198801010062\"}','{\"name\": \"温书瑶\", \"id_no\": \"510104199201020062\"}','{\"mobile\": \"18860010062\"}','CONFIRMED','2026-06-03 10:16:00','2026-06-02 10:08:00'),('36EADF085A6DF5B1DAFE18EBDE','1C770AD0A90B8FB37B076DD289','D2110CDB6C4F3DE4BA7EC987A1','{\"name\": \"罗婉清\", \"id_no\": \"510104198801010015\"}','{\"name\": \"罗婉清\", \"id_no\": \"510104199201020015\"}','{\"mobile\": \"18860010015\"}','CONFIRMED','2026-07-26 06:45:00','2026-07-25 06:37:00'),('38328D1404E7B26E7E33BC9EAF','4A9766F7E36DDCCE5A04EAA4D1','9ED0F44AFA8C1D706519502059','{\"name\": \"沈亦辰\", \"id_no\": \"510104198801010025\"}','{\"name\": \"陆闻舟\", \"id_no\": \"510104199201020025\"}','{\"mobile\": \"18860010025\"}','CONFIRMED','2026-04-23 12:35:00','2026-04-22 12:27:00'),('3BFE114670DE04E1E13392557A','4BD70F7F4C3974D1A426F51177','7C68EFC1B0AB19DC47BD2DA246','{\"name\": \"许文博\", \"id_no\": \"510104198801010005\"}','{\"name\": \"许文博\", \"id_no\": \"510104199201020005\"}','{\"mobile\": \"18860010005\"}','CONFIRMED','2026-07-23 12:55:00','2026-07-22 12:47:00'),('3D8CB0E14700750A868481A3B8','991AEAABBDEC55F6558192EC11','9B54239F9724814CA8C8134AE9','{\"name\": \"蒋承安\", \"id_no\": \"510104198801010071\"}','{\"name\": \"顾承泽\", \"id_no\": \"510104199201020071\"}','{\"mobile\": \"18860010071\"}','CONFIRMED','2026-07-15 07:13:00','2026-07-14 07:05:00'),('3DE62CDD48FE6F28B52CAEF7A8','EFEF80843E71765A749A678E9E','2E52F24B2D88AC86732B8E9096','{\"name\": \"何景明\", \"id_no\": \"510104198801010049\"}','{\"name\": \"江叙白\", \"id_no\": \"510104199201020049\"}','{\"mobile\": \"18860010049\"}','CONFIRMED','2026-05-25 12:47:00','2026-05-24 12:39:00'),('3E03263076953F5120290AE833','C94CF5BE9C2CF721F072C2489A','E45DDFBD8D3738EC7FAAACAEF7','{\"name\": \"何语心\", \"id_no\": \"510104198801010070\"}','{\"name\": \"姜晚晴\", \"id_no\": \"510104199201020070\"}','{\"mobile\": 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12:47:00'),('48BCFDC387523A371DDB0A6541','4E6A780A5D2DD6524D065CA704','A0D50B8C537B134DD4DDC498AA','{\"name\": \"乔景川\", \"id_no\": \"510104198801010027\"}','{\"name\": \"程屿森\", \"id_no\": \"510104199201020027\"}','{\"mobile\": \"18860010027\"}','CONFIRMED','2026-04-04 07:21:00','2026-04-03 07:13:00'),('4950C296419963985C14285E47','4CC794B9B8B6AE3292487E6B80','0C4E5368B84A24FD178EAB041F','{\"name\": \"孙语桐\", \"id_no\": \"510104198801010007\"}','{\"name\": \"方俊杰\", \"id_no\": \"510104199201020007\"}','{\"mobile\": \"18860010007\"}','CONFIRMED','2026-07-20 06:41:00','2026-07-19 06:33:00'),('516129A8829CD73039FA7CCA74','3FDE97AA7DB8779C95E75E063F','AE5E0CFFD17E1F67D3777F9B7D','{\"name\": \"邓星野\", \"id_no\": \"510104198801010051\"}','{\"name\": \"林嘉树\", \"id_no\": \"510104199201020051\"}','{\"mobile\": \"18860010051\"}','CONFIRMED','2026-05-06 06:33:00','2026-05-05 06:25:00'),('56EF3B7D3ACC1B26831180B009','0937FEA87154724D2EEC798D56','25667EC267951A9608709F096C','{\"name\": \"马明谦\", \"id_no\": \"510104198801010053\"}','{\"name\": \"赵安澜\", \"id_no\": \"510104199201020053\"}','{\"mobile\": \"18860010053\"}','CONFIRMED','2026-04-22 13:19:00','2026-04-21 13:11:00'),('576C7DBA1F11B7524A7E2A8119','B7347EE6CF7A700D67E4660C51','3F52386DC080C3A038866988BB','{\"name\": \"秦知意\", \"id_no\": \"510104198801010020\"}','{\"name\": \"秦知意\", \"id_no\": \"510104199201020020\"}','{\"mobile\": \"18860010020\"}','CONFIRMED','2026-07-19 16:10:00','2026-07-18 16:02:00'),('5A45C2988C9899CA519A617BAB','C8258D96409021539F18C1B4DC','1E6670E808587BAE8BCF398CF3','{\"name\": \"何志诚\", \"id_no\": \"510104198801010008\"}','{\"name\": \"何沐阳\", \"id_no\": \"510104199201020008\"}','{\"mobile\": \"18860010008\"}','CONFIRMED','2026-07-18 15:34:00','2026-07-17 15:26:00'),('5E4D2BBCE7E26F489E56EF781F','9AC666AD1742D78D26F053B633','5BAAF34856B88BC1603D656CDA','{\"name\": \"林语棠\", \"id_no\": \"510104198801010042\"}','{\"name\": \"谢知夏\", \"id_no\": \"510104199201020042\"}','{\"mobile\": \"18860010042\"}','CONFIRMED','2026-07-23 09:36:00','2026-07-22 09:28:00'),('5FAEBA32796B68F48EF6308702','C21BB8E625981C77084074C67A','BA1F8101151CBB7C9F03FCE9B7','{\"name\": \"苏曼青\", \"id_no\": \"510104198801010017\"}','{\"name\": \"苏曼青\", \"id_no\": \"510104199201020017\"}','{\"mobile\": \"18860010017\"}','CONFIRMED','2026-07-27 12:31:00','2026-07-26 12:23:00'),('6884B120F475D9C22EB491185E','17C85E8C86D8ADDD193EB27A13','40A5EB0C19EAA991DC79963064','{\"name\": \"程书妍\", \"id_no\": \"510104198801010060\"}','{\"name\": \"邓若溪\", \"id_no\": \"510104199201020060\"}','{\"mobile\": \"18860010060\"}','CONFIRMED','2026-06-17 16:30:00','2026-06-16 16:22:00'),('6CD6D9DDD64F42FB7A49CA7743','6A10A20690C7FA81EF1423DF82','2D0675548C35DABA634A364056','{\"name\": \"赵南乔\", \"id_no\": \"510104198801010044\"}','{\"name\": \"赵南乔\", \"id_no\": \"510104199201020044\"}','{\"mobile\": \"18860010044\"}','CONFIRMED','2026-07-09 16:22:00','2026-07-08 16:14:00'),('749FB2078451A247B2434CA4AE','01KYCYF9237PSZWBD84R3C9XNQ','C6F3280B8D9770E33AD8BF8540','{\"name\": \"退款测试客户\", \"id_no\": \"510104199001011003\"}','{\"name\": \"测试客户父亲\", \"id_no\": \"510104199101022003\", \"relationship\": \"PARENT\"}','{\"mobile\": \"18800000001\"}','CONFIRMED','2026-05-01 15:52:00','2026-04-30 15:44:00'),('770BEE6F6622BB5AF82F9AD991','CE76860190398DEAF1C1BBB04C','1F9373DA6D7AC62CC4D7CA3F32','{\"name\": \"陆闻舟\", \"id_no\": \"510104198801010037\"}','{\"name\": \"何景明\", \"id_no\": \"510104199201020037\"}','{\"mobile\": \"18860010037\"}','CONFIRMED','2026-05-09 13:11:00','2026-05-08 13:03:00'),('780FD49DB16F69D8F4136ADDD9','42AABDC59E176165A7B209F413','ADCA72A97E56C770F7AECF7355','{\"name\": \"郑初晴\", \"id_no\": \"510104198801010068\"}','{\"name\": \"郑初晴\", \"id_no\": \"510104199201020068\"}','{\"mobile\": \"18860010068\"}','CONFIRMED','2026-04-12 15:34:00','2026-04-11 15:26:00'),('7B595ADA0E43D3E3A4DE436F70','E10ED5E000A9360A509A5363DB','3739821714DD2921CB5B3FBAF5','{\"name\": \"孙景和\", \"id_no\": \"510104198801010069\"}','{\"name\": \"贺云深\", \"id_no\": \"510104199201020069\"}','{\"mobile\": \"18860010069\"}','CONFIRMED','2026-03-31 13:27:00','2026-03-30 13:19:00'),('7CA5F5E6D49A5E3E8CF83A7CF6','F21B147ABF05FAF7BD48DDD446','FBBD3D892796CF2182FD919DAE','{\"name\": \"郑怀瑾\", \"id_no\": \"510104198801010047\"}','{\"name\": \"叶庭深\", \"id_no\": \"510104199201020047\"}','{\"mobile\": \"18860010047\"}','CONFIRMED','2026-06-13 07:01:00','2026-06-12 06:53:00'),('7E3894ADF239C6216146706DA9','0BFBB2767FE20BA188899F1CF8','ECEE05CE3B21D2B145FDB4FDC7','{\"name\": \"程砚秋\", \"id_no\": \"510104198801010023\"}','{\"name\": \"程建军\", \"id_no\": \"510104199201020023\"}','{\"mobile\": \"18860010023\"}','CONFIRMED','2026-07-14 06:49:00','2026-07-13 06:41:00'),('81FB6776151CFF129EF5BEA467','BA572A71915758312B018258AF','47CC238BB08E7B4C19B52B83EA','{\"name\": \"林晓雨\", \"id_no\": \"510104198801010002\"}','{\"name\": \"林建国\", \"id_no\": \"510104199201020002\"}','{\"mobile\": \"18860010002\"}','CONFIRMED','2026-07-26 10:16:00','2026-07-25 10:08:00'),('847253B5F363834C6A71B860A4','E72B9A8F55C6134061CD5510D9','46C61FD106C5A8A7ADCBB81D56','{\"name\": \"谢云舟\", \"id_no\": \"510104198801010016\"}','{\"name\": \"沈知夏\", \"id_no\": \"510104199201020016\"}','{\"mobile\": \"18860010016\"}','CONFIRMED','2026-07-24 15:38:00','2026-07-23 15:30:00'),('888DF09F2568B51B23E4E8DEAD','28BB1A5A96CC6A5AA183A86F7B','7791B08F41AEA073E746AB361F','{\"name\": \"叶听澜\", \"id_no\": \"510104198801010022\"}','{\"name\": \"叶听澜\", \"id_no\": \"510104199201020022\"}','{\"mobile\": \"18860010022\"}','CONFIRMED','2026-07-23 09:56:00','2026-07-22 09:48:00'),('897EB33CCF3473D128039BB097','799C040C4EC6F02735CB8797E3','5DEDEAC28E7FB975E76E054D5B','{\"name\": \"唐景行\", \"id_no\": \"510104198801010010\"}','{\"name\": \"唐德华\", \"id_no\": \"510104199201020010\"}','{\"mobile\": \"18860010010\"}','CONFIRMED','2026-07-12 10:20:00','2026-07-11 10:12:00'),('8BF0BA669B748436617DE6ABD2','1D8B9DB9ABAC4B6E233C8263B6','DB8E72E9553DF12C7101C7A9FF','{\"name\": \"裴言澈\", \"id_no\": \"510104198801010029\"}','{\"name\": \"周砚北\", \"id_no\": \"510104199201020029\"}','{\"mobile\": \"18860010029\"}','CONFIRMED','2026-07-19 13:07:00','2026-07-18 12:59:00'),('8CA45A63FA820C155E152A5118','E4644B90C49B994459D02578A2','61C972A77079B16AE53915EC91','{\"name\": \"陈子昂\", \"id_no\": \"510104198801010003\"}','{\"name\": \"王思雅\", \"id_no\": \"510104199201020003\"}','{\"mobile\": \"18860010003\"}','CONFIRMED','2026-07-25 07:09:00','2026-07-24 07:01:00'),('972799A6D3C97F19C77CD6785B','EEE5089C2F9F12357C7B42BBC4','B5C93A3C154849BAF15B868CBE','{\"name\": \"宋予宁\", \"id_no\": \"510104198801010032\"}','{\"name\": \"赵南乔\", \"id_no\": \"510104199201020032\"}','{\"mobile\": \"18860010032\"}','CONFIRMED','2026-06-23 15:46:00','2026-06-22 15:38:00'),('9D1559F1154AFDAB17165900C7','EB17F38167C6356A626D1BA775','7123B4A28378492C7328C99E27','{\"name\": \"夏予川\", \"id_no\": \"510104198801010021\"}','{\"name\": \"顾安然\", \"id_no\": \"510104199201020021\"}','{\"mobile\": \"18860010021\"}','CONFIRMED','2026-07-16 13:03:00','2026-07-15 12:55:00'),('9F363EACF7715CBF9D59B0B6E3','9DE2B9FB32B3CB5210986606AB','C856A9404C2925C06279A614E3','{\"name\": \"江叙白\", \"id_no\": \"510104198801010061\"}','{\"name\": \"沈亦辰\", \"id_no\": \"510104199201020061\"}','{\"mobile\": \"18860010061\"}','CONFIRMED','2026-06-10 13:23:00','2026-06-09 13:15:00'),('9FA101B0045AB40CC57144D657','BC6D987884A1348F095210FBFC','5BCCFBA264F40D2BE1FB636FC0','{\"name\": \"姜晚晴\", \"id_no\": \"510104198801010034\"}','{\"name\": \"梁初夏\", \"id_no\": \"510104199201020034\"}','{\"mobile\": \"18860010034\"}','CONFIRMED','2026-06-04 09:32:00','2026-06-03 09:24:00'),('A45B1F850747290AD65330E536','734BF92B38C4CD951B59F3B970','09D290FA6386F63A0582A5FCE3','{\"name\": \"唐慕川\", \"id_no\": \"510104198801010045\"}','{\"name\": \"夏云川\", \"id_no\": \"510104199201020045\"}','{\"mobile\": \"18860010045\"}','CONFIRMED','2026-06-27 13:15:00','2026-06-26 13:07:00'),('A47334A61FF4D34CC1C6668F80','662020BEFEB84CDB6D3E0E630F','00CE5993A5D9177411D744AF29','{\"name\": \"周砚北\", \"id_no\": \"510104198801010041\"}','{\"name\": \"马明谦\", \"id_no\": \"510104199201020041\"}','{\"mobile\": \"18860010041\"}','CONFIRMED','2026-04-06 12:43:00','2026-04-05 12:35:00'),('AAD48F6C3B0C4E6A96CCE937B6','B4934B7C968A4B960D5F901828','ED673BEEEEED75514A23A099BB','{\"name\": \"贺云深\", \"id_no\": \"510104198801010033\"}','{\"name\": \"唐慕川\", \"id_no\": \"510104199201020033\"}','{\"mobile\": \"18860010033\"}','CONFIRMED','2026-06-11 12:39:00','2026-06-10 12:31:00'),('AB559CF2B730D7567109E334D7','CDB48923756E6CFA7A5CFFFA52','CCC64471DD11724ADE5FE3B5E9','{\"name\": \"陆星河\", \"id_no\": \"510104198801010019\"}','{\"name\": \"陆小禾\", \"id_no\": \"510104199201020019\"}','{\"mobile\": 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CREATE TABLE `enrollment_orders` (
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  CONSTRAINT `enrollment_orders_ibfk_2` FOREIGN KEY (`quote_id`) REFERENCES `quotes` (`id`),
  CONSTRAINT `enrollment_orders_ibfk_3` FOREIGN KEY (`draft_id`) REFERENCES `enrollment_drafts` (`id`),
  CONSTRAINT `enrollment_orders_ibfk_4` FOREIGN KEY (`confirmation_id`) REFERENCES `user_confirmations` (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
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/*!40000 ALTER TABLE `langgraph_checkpoints` ENABLE KEYS */;
UNLOCK TABLES;

--
-- Table structure for table `lead_attributions`
--

DROP TABLE IF EXISTS `lead_attributions`;
/*!40101 SET @saved_cs_client     = @@character_set_client */;
/*!50503 SET character_set_client = utf8mb4 */;
CREATE TABLE `lead_attributions` (
  `id` varchar(26) NOT NULL,
  `h5_user_id` varchar(26) NOT NULL,
  `salesperson_id` varchar(26) NOT NULL,
  `promotion_code_id` varchar(26) NOT NULL,
  `source_code` varchar(32) NOT NULL,
  `visit_count` int NOT NULL,
  `first_touch_at` datetime NOT NULL,
  `last_touch_at` datetime NOT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `h5_user_id` (`h5_user_id`),
  KEY `promotion_code_id` (`promotion_code_id`),
  KEY `ix_lead_attributions_salesperson` (`salesperson_id`,`last_touch_at`),
  CONSTRAINT `lead_attributions_ibfk_1` FOREIGN KEY (`h5_user_id`) REFERENCES `h5_users` (`id`),
  CONSTRAINT `lead_attributions_ibfk_2` FOREIGN KEY (`salesperson_id`) REFERENCES `salespersons` (`id`),
  CONSTRAINT `lead_attributions_ibfk_3` FOREIGN KEY (`promotion_code_id`) REFERENCES `promotion_codes` (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
/*!40101 SET character_set_client = @saved_cs_client */;

--
-- Dumping data for table `lead_attributions`
--

LOCK TABLES `lead_attributions` WRITE;
/*!40000 ALTER TABLE `lead_attributions` DISABLE KEYS */;
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-- Dumping data for table `order_attributions`
--

LOCK TABLES `order_attributions` WRITE;
/*!40000 ALTER TABLE `order_attributions` DISABLE KEYS */;
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/*!40000 ALTER TABLE `order_attributions` ENABLE KEYS */;
UNLOCK TABLES;

--
-- Table structure for table `outbox_events`
--

DROP TABLE IF EXISTS `outbox_events`;
/*!40101 SET @saved_cs_client     = @@character_set_client */;
/*!50503 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,
  `attempt_count` int NOT NULL DEFAULT '0',
  `available_at` datetime DEFAULT NULL,
  `lease_owner` varchar(64) DEFAULT NULL,
  `leased_until` datetime DEFAULT NULL,
  `last_error` varchar(500) DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `ix_outbox_dispatch` (`status`,`available_at`,`leased_until`,`created_at`)
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) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
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/*!40101 SET @saved_cs_client     = @@character_set_client */;
/*!50503 SET character_set_client = utf8mb4 */;
CREATE TABLE `quotes` (
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  `product_id` varchar(26) NOT NULL,
  `product_version_id` varchar(26) NOT NULL,
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  `insured_age` int NOT NULL,
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  `relationship` varchar(32) NOT NULL,
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  `currency` varchar(3) NOT NULL,
  `rule_version` varchar(32) NOT NULL,
  `rate_version` varchar(32) NOT NULL,
  `status` varchar(32) NOT NULL,
  `expires_at` datetime NOT NULL,
  `created_at` datetime NOT NULL,
  PRIMARY KEY (`id`),
  KEY `product_id` (`product_id`),
  KEY `product_version_id` (`product_version_id`),
  KEY `plan_id` (`plan_id`),
  KEY `ix_quotes_user_status` (`h5_user_id`,`status`,`expires_at`),
  CONSTRAINT `quotes_ibfk_1` FOREIGN KEY (`h5_user_id`) REFERENCES `h5_users` (`id`),
  CONSTRAINT `quotes_ibfk_2` FOREIGN KEY (`product_id`) REFERENCES `products` (`id`),
  CONSTRAINT `quotes_ibfk_3` FOREIGN KEY (`product_version_id`) REFERENCES `product_versions` (`id`),
  CONSTRAINT `quotes_ibfk_4` FOREIGN KEY (`plan_id`) REFERENCES `plans` (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
/*!40101 SET character_set_client = @saved_cs_client */;

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INSERT INTO `service_requests` VALUES ('01KYMGENJF9TTJHC1C4XHJ1QEH','ZBT-SVC-20260728-84R0','01KYCYF9237PSZWBD84R3C9XNQ','01KYEWFDQ5XE6Z3VPD5BWE4NHD','MEDICAL_REIMBURSEMENT_ASSISTANCE','01KYMGEA82M1BDV2WDEPDDG507','{\"invoice_no\": \"CD3202607270057\", \"visit_date\": \"2026-07-23\", \"amount_yuan\": \"12650.80\", \"hospital_name\": \"成都市第三人民医院\", \"contact_mobile\": \"18800000001\"}','REJECTED','2026-07-28 14:00:58','8DA193366E1554C08B2870C50F','不满足赔付条件','2026-07-28 14:01:34'),('ZBTTESTSERVICE000000000001','ZBT-SVC-20260728-1001','3B5609EE7115C2FCAF59BB3F7A','4E25EC1DCC1CA1A657E360FB3D','MEDICAL_REIMBURSEMENT_ASSISTANCE','ZBTTESTRECOGNITION00000001','{\"invoice_no\": \"SC2026072500186\", \"visit_date\": \"2026-07-25\", \"amount_yuan\": \"2386.40\", \"hospital_name\": \"四川大学华西医院\", \"contact_mobile\": \"18860010001\"}','ACCEPTED','2026-07-28 09:18:00','8DA193366E1554C08B2870C50F',NULL,'2026-07-28 14:13:16'),('ZBTTESTSERVICE000000000002','ZBT-SVC-20260728-1002','01KYF9JD0P2JESB34V1M38F671','01KYF9JDD3QKYS3Q1V209HW41N','MEDICAL_REIMBURSEMENT_ASSISTANCE','ZBTTESTRECOGNITION00000002','{\"invoice_no\": \"SC2026072400832\", \"visit_date\": \"2026-07-24\", \"amount_yuan\": \"4680.00\", \"hospital_name\": \"四川省人民医院\", \"contact_mobile\": \"18985072267\"}','ACCEPTED','2026-07-28 08:42:00','2C6EC1575BBE6A11BCB353840E',NULL,'2026-07-28 10:06:00'),('ZBTTESTSERVICE000000000003','ZBT-SVC-20260727-1003','01KYCYF9237PSZWBD84R3C9XNQ','01KYEWFDQ5XE6Z3VPD5BWE4NHD','MEDICAL_REIMBURSEMENT_ASSISTANCE','ZBTTESTRECOGNITION00000003','{\"invoice_no\": \"CD3202607230057\", \"visit_date\": \"2026-07-23\", \"amount_yuan\": \"12650.80\", \"hospital_name\": \"成都市第三人民医院\", \"contact_mobile\": \"18800000001\"}','REJECTED','2026-07-27 15:26:00','2C6EC1575BBE6A11BCB353840E','不满足赔付条件','2026-07-28 09:35:00'),('ZBTTESTSERVICE000000000004','ZBT-SVC-20260727-1004','01KYEVH4A3K7EZGETVBW06DN2X','01KYEVH4MXM1E8N278DQXC9JCT','MEDICAL_REIMBURSEMENT_ASSISTANCE','ZBTTESTRECOGNITION00000004','{\"invoice_no\": \"CDTCM20260722091\", \"visit_date\": \"2026-07-22\", \"amount_yuan\": \"860.50\", \"hospital_name\": \"成都中医药大学附属医院\", \"contact_mobile\": \"18985057546\"}','REJECTED','2026-07-27 11:14:00','2C6EC1575BBE6A11BCB353840E','不满足赔付条件','2026-07-27 16:20:00'),('ZBTTESTSERVICE000000000005','ZBT-SVC-20260727-1005','01KYEVG2SMG597SH051QH42VB7','01KYEVG38CBECJY6WY81N2WGBV','MEDICAL_REIMBURSEMENT_ASSISTANCE','ZBTTESTRECOGNITION00000005','{\"invoice_no\": \"CD1202607210368\", \"visit_date\": \"2026-07-21\", \"amount_yuan\": \"3199.90\", \"hospital_name\": \"成都市第一人民医院\", \"contact_mobile\": \"18985057511\"}','SUBMITTED','2026-07-27 09:08:00',NULL,NULL,NULL),('ZBTTESTSERVICE000000000006','ZBT-SVC-20260726-1006','01KYEVEEAB5CHV976X8KMGP1H8','01KYEVEEXEP7NSW1ZRP9VCSDFS','MEDICAL_REIMBURSEMENT_ASSISTANCE','ZBTTESTRECOGNITION00000006','{\"invoice_no\": \"HX2202607200129\", \"visit_date\": \"2026-07-20\", \"amount_yuan\": \"7420.00\", \"hospital_name\": \"四川大学华西第二医院\", \"contact_mobile\": \"18985057458\"}','ACCEPTED','2026-07-26 16:30:00','2C6EC1575BBE6A11BCB353840E',NULL,'2026-07-27 09:12:00'),('ZBTTESTSERVICE000000000007','ZBT-SVC-20260726-1007','01KYCYF9237PSZWBD84R3C9XNQ','01KYEHP2GVHY0TDB5CEV9SK5CZ','MEDICAL_REIMBURSEMENT_ASSISTANCE','ZBTTESTRECOGNITION00000007','{\"invoice_no\": \"CD2202607190741\", \"visit_date\": \"2026-07-19\", \"amount_yuan\": \"1855.20\", \"hospital_name\": \"成都市第二人民医院\", \"contact_mobile\": \"18800000001\"}','REJECTED','2026-07-26 13:48:00','2C6EC1575BBE6A11BCB353840E','不满足赔付条件','2026-07-27 08:55:00'),('ZBTTESTSERVICE000000000008','ZBT-SVC-20260725-1008','01KYCYF9237PSZWBD84R3C9XNQ','01KYEGWVP3Z2GF8NPA1G68N0QV','MEDICAL_REIMBURSEMENT_ASSISTANCE','ZBTTESTRECOGNITION00000008','{\"invoice_no\": \"CDMC202607180318\", \"visit_date\": \"2026-07-18\", \"amount_yuan\": \"5530.75\", \"hospital_name\": \"成都医学院第一附属医院\", \"contact_mobile\": \"18800000001\"}','ACCEPTED','2026-07-25 17:22:00','8DA193366E1554C08B2870C50F',NULL,'2026-07-28 14:14:02');
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--
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/*!40101 SET @saved_cs_client     = @@character_set_client */;
/*!50503 SET character_set_client = utf8mb4 */;
CREATE TABLE `surrender_requests` (
  `id` varchar(26) NOT NULL,
  `request_no` varchar(40) NOT NULL,
  `h5_user_id` varchar(26) NOT NULL,
  `policy_id` varchar(26) NOT NULL,
  `idempotency_key` varchar(64) NOT NULL,
  `reason` varchar(200) NOT NULL,
  `status` varchar(32) NOT NULL,
  `refund_amount_cents` bigint NOT NULL,
  `currency` varchar(3) NOT NULL,
  `rule_version` varchar(32) NOT NULL,
  `calculation_json` json NOT NULL,
  `workflow_thread_id` varchar(128) NOT NULL,
  `created_at` datetime NOT NULL,
  `confirmed_at` datetime DEFAULT NULL,
  `reviewed_by` varchar(26) DEFAULT NULL,
  `review_note` varchar(500) DEFAULT NULL,
  `reviewed_at` datetime DEFAULT NULL,
  `completed_at` datetime DEFAULT NULL,
  `risk_level` varchar(16) DEFAULT NULL,
  `risk_reasons_json` json NOT NULL,
  `workflow_plan_json` json NOT NULL,
  `handoff_json` json DEFAULT NULL,
  `review_summary` varchar(1000) DEFAULT NULL,
  PRIMARY KEY (`id`),
  UNIQUE KEY `uq_surrender_user_idempotency` (`h5_user_id`,`idempotency_key`),
  UNIQUE KEY `request_no` (`request_no`),
  UNIQUE KEY `workflow_thread_id` (`workflow_thread_id`),
  KEY `policy_id` (`policy_id`),
  KEY `ix_surrender_requests_status_created` (`status`,`created_at`),
  KEY `ix_surrender_requests_user_status` (`h5_user_id`,`status`),
  CONSTRAINT `surrender_requests_ibfk_1` FOREIGN KEY (`h5_user_id`) REFERENCES `h5_users` (`id`),
  CONSTRAINT `surrender_requests_ibfk_2` FOREIGN KEY (`policy_id`) REFERENCES `policies` (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_0900_ai_ci;
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--
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INSERT INTO `surrender_requests` VALUES ('01KYPXTT8GTY8FYQ6761BCWVS5','ZBT-TB-20260729-2862','01KYCYF9237PSZWBD84R3C9XNQ','01KYEWFDQ5XE6Z3VPD5BWE4NHD','72b83f5b-351b-45f2-bbdb-7c1606e29b69','其他原因','REFUNDED',15900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 15900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 15900}','surrender:01KYPXTT8GTY8FYQ6761BCWVS5','2026-07-29 12:33:17','2026-07-29 12:33:17','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 12:33:17','2026-07-29 15:31:48','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZXBFT782CQ5EXTTGAE8Y3','ZBT-TB-20260729-8035','01KYCYF9237PSZWBD84R3C9XNQ','01KYEGWVP3Z2GF8NPA1G68N0QV','stage3-surrender-scenario:customer-high-refund-rejected','家庭预算调整，申请终止保障并退还保费。','REJECTED',59900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 59900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 59900}','surrender:01KYPZXBFT782CQ5EXTTGAE8Y3','2026-07-29 09:10:00','2026-07-29 09:15:00','8DA193366E1554C08B2870C50F','该保单保费较高，电话回访未能完成身份核验，本次申请不予通过。','2026-07-29 09:20:00','2026-07-29 09:20:00','HIGH','[\"预计退款金额达到300元人工复核阈值\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','{\"reason\": \"家庭预算调整，申请终止保障并退还保费。\", \"currency\": \"CNY\", \"policy_id\": \"01KYEGWVP3Z2GF8NPA1G68N0QV\", \"request_id\": \"01KYPZXBFT782CQ5EXTTGAE8Y3\", \"request_no\": \"ZBT-TB-20260729-8035\", \"risk_level\": \"HIGH\", \"to_persona\": \"operation\", \"from_persona\": \"customer\", \"risk_reasons\": [\"预计退款金额达到300元人工复核阈值\"], \"rule_evidence\": {\"calculation\": {\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 59900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 59900}}, \"schema_version\": \"surrender-handoff-v1\", \"refund_amount_cents\": 59900}','退保申请ZBT-TB-20260729-8035预计退款599.00元，风险等级HIGH；触发原因：预计退款金额达到300元人工复核阈值。'),('01KYPZXE81ZDTB2ZA3QQ43HDX7','ZBT-TB-20260729-5920','01KYCYF9237PSZWBD84R3C9XNQ','01KYEGWVP3Z2GF8NPA1G68N0QV','stage3-surrender-scenario:customer-high-refund-waiting','近期资金安排变化，希望终止当前保障计划。','WAITING_APPROVAL',59900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 59900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 59900}','surrender:01KYPZXE81ZDTB2ZA3QQ43HDX7','2026-07-29 09:35:00','2026-07-29 09:40:00',NULL,NULL,NULL,NULL,'HIGH','[\"预计退款金额达到300元人工复核阈值\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','{\"reason\": \"近期资金安排变化，希望终止当前保障计划。\", \"currency\": \"CNY\", \"policy_id\": \"01KYEGWVP3Z2GF8NPA1G68N0QV\", \"request_id\": \"01KYPZXE81ZDTB2ZA3QQ43HDX7\", \"request_no\": \"ZBT-TB-20260729-5920\", \"risk_level\": \"HIGH\", \"to_persona\": \"operation\", \"from_persona\": \"customer\", \"risk_reasons\": [\"预计退款金额达到300元人工复核阈值\"], \"rule_evidence\": {\"calculation\": {\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 59900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 59900}}, \"schema_version\": \"surrender-handoff-v1\", \"refund_amount_cents\": 59900}','退保申请ZBT-TB-20260729-5920预计退款599.00元，风险等级HIGH；触发原因：预计退款金额达到300元人工复核阈值。'),('01KYPZXFJMJ3586PX1FF7QKWR9','ZBT-TB-20260729-1185','01KYCYF9237PSZWBD84R3C9XNQ','01KYEEWRX5Q0KQS6HH2JDHB6Q2','stage3-surrender-scenario:customer-full-refunded','犹豫期内重新评估保障需求，申请退保。','REFUNDED',15900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 15900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 15900}','surrender:01KYPZXFJMJ3586PX1FF7QKWR9','2026-07-29 09:55:00','2026-07-29 10:00:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 10:00:00','2026-07-29 10:10:00','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZXGMMZR0JG477ADTNCASM','ZBT-TB-20260729-3362','01KYCYF9237PSZWBD84R3C9XNQ','01KYD5EVBANXXRXZFWZ46SSVZ1','stage3-surrender-scenario:customer-full-refund-retrying','家庭已有同类保障，申请退保。','REFUNDED',19900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 3, \"premium_cents\": 19900, \"remaining_days\": 362, \"deduction_cents\": 0, \"gross_unearned_cents\": 19900}','surrender:01KYPZXGMMZR0JG477ADTNCASM','2026-07-29 10:25:00','2026-07-29 10:30:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 10:30:00','2026-07-29 14:00:50','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZXHE613577EMN42YCBEPQ','ZBT-TB-20260729-9624','01KYCYF9237PSZWBD84R3C9XNQ','01KYEHP2GVHY0TDB5CEV9SK5CZ','stage3-surrender-scenario:customer-prorated-refunded','保障方案调整，申请按未到期天数办理退保。','REFUNDED',11369,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": false, \"elapsed_days\": 75, \"premium_cents\": 15900, \"remaining_days\": 290, \"deduction_cents\": 1263, \"gross_unearned_cents\": 12632}','surrender:01KYPZXHE613577EMN42YCBEPQ','2026-07-29 10:55:00','2026-07-29 11:00:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 11:00:00','2026-07-29 11:10:00','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZXJ872VP1J0WMVG2YQP75','ZBT-TB-20260729-0382','E4644B90C49B994459D02578A2','3B97E4E340E4453C9BBCC15F5B','stage3-surrender-scenario:admin-high-refund-rejected','保障配置发生变化，申请终止合同。','REJECTED',39900,'CNY','surrender-v1','{\"total_days\": 366, \"cooling_off\": true, \"elapsed_days\": 4, \"premium_cents\": 39900, \"remaining_days\": 362, \"deduction_cents\": 0, \"gross_unearned_cents\": 39900}','surrender:01KYPZXJ872VP1J0WMVG2YQP75','2026-07-29 11:25:00','2026-07-29 11:30:00','8DA193366E1554C08B2870C50F','人工回访确认申请人暂不办理退保，本次审核不通过。','2026-07-29 11:35:00','2026-07-29 11:35:00','HIGH','[\"预计退款金额达到300元人工复核阈值\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','{\"reason\": \"保障配置发生变化，申请终止合同。\", \"currency\": \"CNY\", \"policy_id\": \"3B97E4E340E4453C9BBCC15F5B\", \"request_id\": \"01KYPZXJ872VP1J0WMVG2YQP75\", \"request_no\": \"ZBT-TB-20260729-0382\", \"risk_level\": \"HIGH\", \"to_persona\": \"operation\", \"from_persona\": \"customer\", \"risk_reasons\": [\"预计退款金额达到300元人工复核阈值\"], \"rule_evidence\": {\"calculation\": {\"total_days\": 366, \"cooling_off\": true, \"elapsed_days\": 4, \"premium_cents\": 39900, \"remaining_days\": 362, \"deduction_cents\": 0, \"gross_unearned_cents\": 39900}}, \"schema_version\": \"surrender-handoff-v1\", \"refund_amount_cents\": 39900}','退保申请ZBT-TB-20260729-0382预计退款399.00元，风险等级HIGH；触发原因：预计退款金额达到300元人工复核阈值。'),('01KYPZXKDBREHNQVPKHY5RE60E','ZBT-TB-20260729-2761','4CC794B9B8B6AE3292487E6B80','9446AA29DC5B8530FC7849F693','stage3-surrender-scenario:admin-high-refund-waiting','家庭支出计划变化，申请退保。','REJECTED',59900,'CNY','surrender-v1','{\"total_days\": 366, \"cooling_off\": true, \"elapsed_days\": 9, \"premium_cents\": 59900, \"remaining_days\": 357, \"deduction_cents\": 0, \"gross_unearned_cents\": 59900}','surrender:01KYPZXKDBREHNQVPKHY5RE60E','2026-07-29 11:50:00','2026-07-29 11:55:00','8DA193366E1554C08B2870C50F','','2026-07-30 03:12:26','2026-07-30 03:12:26','HIGH','[\"预计退款金额达到300元人工复核阈值\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','{\"reason\": \"家庭支出计划变化，申请退保。\", \"currency\": \"CNY\", \"policy_id\": \"9446AA29DC5B8530FC7849F693\", \"request_id\": \"01KYPZXKDBREHNQVPKHY5RE60E\", \"request_no\": \"ZBT-TB-20260729-2761\", \"risk_level\": \"HIGH\", \"to_persona\": \"operation\", \"from_persona\": \"customer\", \"risk_reasons\": [\"预计退款金额达到300元人工复核阈值\"], \"rule_evidence\": {\"calculation\": {\"total_days\": 366, \"cooling_off\": true, \"elapsed_days\": 9, \"premium_cents\": 59900, \"remaining_days\": 357, \"deduction_cents\": 0, \"gross_unearned_cents\": 59900}}, \"schema_version\": \"surrender-handoff-v1\", \"refund_amount_cents\": 59900}','退保申请ZBT-TB-20260729-2761预计退款599.00元，风险等级HIGH；触发原因：预计退款金额达到300元人工复核阈值。'),('01KYPZXMA6V9C3387YFYCYJPA1','ZBT-TB-20260729-1015','3B5609EE7115C2FCAF59BB3F7A','4E25EC1DCC1CA1A657E360FB3D','stage3-surrender-scenario:admin-prorated-refunded','已有其他保障方案，申请退保。','REFUNDED',23900,'CNY','surrender-v1','{\"total_days\": 366, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 23900, \"remaining_days\": 364, \"deduction_cents\": 0, \"gross_unearned_cents\": 23900}','surrender:01KYPZXMA6V9C3387YFYCYJPA1','2026-07-29 12:10:00','2026-07-29 12:15:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 12:15:00','2026-07-29 12:25:00','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZXN3ZX9DHWJJX1N8002XR','ZBT-TB-20260729-0179','01KYF9JD0P2JESB34V1M38F671','01KYF9JDD3QKYS3Q1V209HW41N','stage3-surrender-scenario:admin-manual-intervention','不再需要当前保障，申请退保。','MANUAL_INTERVENTION',19900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 19900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 19900}','surrender:01KYPZXN3ZX9DHWJJX1N8002XR','2026-07-29 12:40:00','2026-07-29 12:45:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 12:45:00',NULL,'LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZXP1RHAE4YSSFM9GM3X3T','ZBT-TB-20260729-7822','01KYEVH4A3K7EZGETVBW06DN2X','01KYEVH4MXM1E8N278DQXC9JCT','stage3-surrender-scenario:admin-compensated','误操作购买重复保障，申请退保。','COMPENSATED',19900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 19900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 19900}','surrender:01KYPZXP1RHAE4YSSFM9GM3X3T','2026-07-29 13:30:00','2026-07-29 13:35:00','SYSTEM','已联系客户核实，取消本次退保并恢复原保单保障。','2026-07-29 13:35:00','2026-07-29 14:10:00','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZXQ17XNS72RG3XYEE566Q','ZBT-TB-20260729-1617','01KYEVG2SMG597SH051QH42VB7','01KYEVG38CBECJY6WY81N2WGBV','stage3-surrender-scenario:admin-refund-pending','保障需求调整，申请退保。','REFUNDED',19900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 19900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 19900}','surrender:01KYPZXQ17XNS72RG3XYEE566Q','2026-07-29 14:25:00','2026-07-29 14:30:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 14:30:00','2026-07-29 15:31:48','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZY600KZBEDZJERTWD6NHQ','ZBT-TB-20260729-8343','16DCBEEBDF0B255E03BFE8FD55','3854001F14BAE98FD4D6309D1E','stage3-surrender-extra:admin-high-refund-rejected-2','保障配置发生变化，申请终止合同。','REJECTED',34536,'CNY','surrender-v1','{\"total_days\": 366, \"cooling_off\": false, \"elapsed_days\": 14, \"premium_cents\": 39900, \"remaining_days\": 352, \"deduction_cents\": 3837, \"gross_unearned_cents\": 38373}','surrender:01KYPZY600KZBEDZJERTWD6NHQ','2026-07-29 09:10:00','2026-07-29 09:15:00','8DA193366E1554C08B2870C50F','人工回访确认申请人暂不办理退保，本次审核不通过。','2026-07-29 09:20:00','2026-07-29 09:20:00','HIGH','[\"预计退款金额达到300元人工复核阈值\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','{\"reason\": \"保障配置发生变化，申请终止合同。\", \"currency\": \"CNY\", \"policy_id\": \"3854001F14BAE98FD4D6309D1E\", \"request_id\": \"01KYPZY600KZBEDZJERTWD6NHQ\", \"request_no\": \"ZBT-TB-20260729-8343\", \"risk_level\": \"HIGH\", \"to_persona\": \"operation\", \"from_persona\": \"customer\", \"risk_reasons\": [\"预计退款金额达到300元人工复核阈值\"], \"rule_evidence\": {\"calculation\": {\"total_days\": 366, \"cooling_off\": false, \"elapsed_days\": 14, \"premium_cents\": 39900, \"remaining_days\": 352, \"deduction_cents\": 3837, \"gross_unearned_cents\": 38373}}, \"schema_version\": \"surrender-handoff-v1\", \"refund_amount_cents\": 34536}','退保申请ZBT-TB-20260729-8343预计退款345.36元，风险等级HIGH；触发原因：预计退款金额达到300元人工复核阈值。'),('01KYPZY7M5930ZSZ3VPC45NV6G','ZBT-TB-20260729-4640','6A10A20690C7FA81EF1423DF82','041F98A34E2F9F74F338C1EB9E','stage3-surrender-extra:admin-high-refund-waiting-2','家庭支出计划变化，申请退保。','WAITING_APPROVAL',33948,'CNY','surrender-v1','{\"total_days\": 366, \"cooling_off\": false, \"elapsed_days\": 20, \"premium_cents\": 39900, \"remaining_days\": 346, \"deduction_cents\": 3771, \"gross_unearned_cents\": 37719}','surrender:01KYPZY7M5930ZSZ3VPC45NV6G','2026-07-29 09:35:00','2026-07-29 09:40:00',NULL,NULL,NULL,NULL,'HIGH','[\"预计退款金额达到300元人工复核阈值\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','{\"reason\": \"家庭支出计划变化，申请退保。\", \"currency\": \"CNY\", \"policy_id\": \"041F98A34E2F9F74F338C1EB9E\", \"request_id\": \"01KYPZY7M5930ZSZ3VPC45NV6G\", \"request_no\": \"ZBT-TB-20260729-4640\", \"risk_level\": \"HIGH\", \"to_persona\": \"operation\", \"from_persona\": \"customer\", \"risk_reasons\": [\"预计退款金额达到300元人工复核阈值\"], \"rule_evidence\": {\"calculation\": {\"total_days\": 366, \"cooling_off\": false, \"elapsed_days\": 20, \"premium_cents\": 39900, \"remaining_days\": 346, \"deduction_cents\": 3771, \"gross_unearned_cents\": 37719}}, \"schema_version\": \"surrender-handoff-v1\", \"refund_amount_cents\": 33948}','退保申请ZBT-TB-20260729-4640预计退款339.48元，风险等级HIGH；触发原因：预计退款金额达到300元人工复核阈值。'),('01KYPZY8T3Y2WH1DA8F0KERRPY','ZBT-TB-20260729-0837','01KYEVEEAB5CHV976X8KMGP1H8','01KYEVEEXEP7NSW1ZRP9VCSDFS','stage3-surrender-extra:admin-prorated-refunded-2','已有其他保障方案，申请退保。','REFUNDED',19900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"premium_cents\": 19900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 19900}','surrender:01KYPZY8T3Y2WH1DA8F0KERRPY','2026-07-29 09:55:00','2026-07-29 10:00:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 10:00:00','2026-07-29 10:10:00','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZY9N093SD7387ENFPVAD3','ZBT-TB-20260729-2710','01KYD6BYVQ72C8MD42KGN6CQYM','01KYD6BZ5FA0E5B2MX74SBJCFV','stage3-surrender-extra:admin-manual-intervention-2','不再需要当前保障，申请退保。','MANUAL_INTERVENTION',19900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 3, \"premium_cents\": 19900, \"remaining_days\": 362, \"deduction_cents\": 0, \"gross_unearned_cents\": 19900}','surrender:01KYPZY9N093SD7387ENFPVAD3','2026-07-29 10:25:00','2026-07-29 10:30:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 10:30:00',NULL,'LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZYAHXBEM6QHCE03TP4JAB','ZBT-TB-20260729-1795','01KYD5WX4FZQX55S5YK3B49W3B','01KYD5YMZ610Y8ZCA26T4D3NHJ','stage3-surrender-extra:admin-compensated-2','误操作购买重复保障，申请退保。','COMPENSATED',19900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 3, \"premium_cents\": 19900, \"remaining_days\": 362, \"deduction_cents\": 0, \"gross_unearned_cents\": 19900}','surrender:01KYPZYAHXBEM6QHCE03TP4JAB','2026-07-29 11:15:00','2026-07-29 11:20:00','SYSTEM','已联系客户核实，取消本次退保并恢复原保单保障。','2026-07-29 11:20:00','2026-07-29 11:55:00','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYPZYBGEGX2QE13XE5G1C09F','ZBT-TB-20260729-3652','60C0946E4086DA2BC27805DCEF','B7BF5CDC8996CF5DD9A9EA3A17','stage3-surrender-extra:admin-refund-pending-2','保障需求调整，申请退保。','REFUNDED',23900,'CNY','surrender-v1','{\"total_days\": 366, \"cooling_off\": true, \"elapsed_days\": 3, \"premium_cents\": 23900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 23900}','surrender:01KYPZYBGEGX2QE13XE5G1C09F','2026-07-29 12:10:00','2026-07-29 12:15:00','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 12:15:00','2026-07-29 15:31:48','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYQ6B0Q9ZXZ33Q7A1SZG0WEE','ZBT-TB-20260729-6668','01KYCYF9237PSZWBD84R3C9XNQ','DA09C5BCEAE67165460B58C574','9fe7f33e-9e5d-44fc-98fa-a6562ccd7cd3','保障计划调整','REFUNDED',16265,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": false, \"elapsed_days\": 89, \"premium_cents\": 23900, \"remaining_days\": 276, \"deduction_cents\": 1807, \"gross_unearned_cents\": 18072}','surrender:01KYQ6B0Q9ZXZ33Q7A1SZG0WEE','2026-07-29 15:01:56','2026-07-29 15:01:56','SYSTEM','低风险申请按确定性规则自动通过','2026-07-29 15:01:56','2026-07-29 15:31:48','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYRFPXPZXAA1EVA47D41HS16','ZBT-TB-20260730-5920','01KYCYF9237PSZWBD84R3C9XNQ','01KYREKXFMY9XQGF9MXCQ1CD9D','e3daa88c-f57f-4b24-b8cc-2a3cb6642918','暂时不需要该保障','REFUNDED',15900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": false, \"elapsed_days\": 0, \"pre_effective\": true, \"premium_cents\": 15900, \"remaining_days\": 365, \"deduction_cents\": 0, \"gross_unearned_cents\": 15900}','surrender:01KYRFPXPZXAA1EVA47D41HS16','2026-07-30 03:04:58','2026-07-30 03:04:58','SYSTEM','低风险申请按确定性规则自动通过','2026-07-30 03:04:58','2026-07-30 03:04:59','LOW','[\"未命中人工复核规则\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','null',NULL),('01KYRNYBHYH89BX9PRS9Y162GG','ZBT-TB-20260730-9456','01KYCYF9237PSZWBD84R3C9XNQ','3ECB4B2AA71824884FCF9C56FE','fd4b3450-ff05-4d08-9a76-f187d82a7fc9','扣费或服务问题：怀疑有人冒名投保','REFUNDED',15900,'CNY','surrender-v1','{\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"pre_effective\": false, \"premium_cents\": 15900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 15900}','surrender:01KYRNYBHYH89BX9PRS9Y162GG','2026-07-30 04:53:53','2026-07-30 04:53:53','8DA193366E1554C08B2870C50F','','2026-07-30 04:54:31','2026-07-30 04:54:32','HIGH','[\"退保原因包含需人工处理的事项：冒名\"]','[\"核对退保申请与确定性试算\", \"并行评估金额、原因和犹豫期风险\", \"低风险自动进入退款，高风险转人工审批\", \"执行幂等退款并更新保单状态\"]','{\"reason\": \"扣费或服务问题：怀疑有人冒名投保\", \"currency\": \"CNY\", \"policy_id\": \"3ECB4B2AA71824884FCF9C56FE\", \"request_id\": \"01KYRNYBHYH89BX9PRS9Y162GG\", \"request_no\": \"ZBT-TB-20260730-9456\", \"risk_level\": \"HIGH\", \"to_persona\": \"operation\", \"from_persona\": \"customer\", \"risk_reasons\": [\"退保原因包含需人工处理的事项：冒名\"], \"rule_evidence\": {\"calculation\": {\"total_days\": 365, \"cooling_off\": true, \"elapsed_days\": 2, \"pre_effective\": false, \"premium_cents\": 15900, \"remaining_days\": 363, \"deduction_cents\": 0, \"gross_unearned_cents\": 15900}}, \"schema_version\": \"surrender-handoff-v1\", \"refund_amount_cents\": 15900}','退保申请ZBT-TB-20260730-9456预计退款159.00元，风险等级HIGH；触发原因：退保原因包含需人工处理的事项：冒名。');
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/*!40000 ALTER TABLE `user_confirmations` ENABLE KEYS */;
UNLOCK TABLES;

--
-- Dumping events for database 'insurance_s3_core'
--

--
-- Dumping routines for database 'insurance_s3_core'
--

--
-- Current Database: `insurance_s3_agent`
--

CREATE DATABASE /*!32312 IF NOT EXISTS*/ `insurance_s3_agent` /*!40100 DEFAULT CHARACTER SET utf8mb4 COLLATE utf8mb4_0900_ai_ci */ /*!80016 DEFAULT ENCRYPTION='N' */;

USE `insurance_s3_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'),('01KYPYVQT8APW0ZPG7GWHJE2CM','01KYPYVDXKPMMAS6DHD8B4YQKV','USER','查询我最近一笔退保申请的处理进度。','{\"run_id\": \"01KYPYVE0ZR60YTN6Y4M3M160F\", \"service_no\": \"ZBT-20260729-7705\"}','2026-07-29 12:51:05'),('01KYPYVQVJZ2JPPY9KY642K9ZT','01KYPYVDXKPMMAS6DHD8B4YQKV','ASSISTANT','查到您有一笔退保申请，以下是进度详情：\n\n**申请编号：** ZBT-TB-20260729-2862  \n**申请时间：** 2026年7月29日  \n**退保原因：** 其他原因  \n**当前状态：** ⏳ **等待审批中**（REFUND_PENDING）  \n**预计退款金额：** **159.00 元**\n\n> ⚠️ **提醒：** 当前状态为\"等待审批\"，预计退款金额不代表资金已经退回。审批通过后资金才会进入退款处理流程，最终到账请以银行实际入账为准。\n\n如需查看更详细的进度，您可以前往 **\"我的保障\" → \"退保进度\"** 查看。有其他问题随时问我！','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"reason\": \"其他原因\", \"status\": \"REFUND_PENDING\", \"policy_id\": \"01KYEWFDQ5XE6Z3VPD5BWE4NHD\", \"created_at\": \"2026-07-29T12:33:17+00:00\", \"request_no\": \"ZBT-TB-20260729-2862\", \"refund_amount_cents\": 15900}], \"title\": \"我的退保进度\", \"total\": 1, \"entity\": \"surrender\", \"version\": \"1.0\"}], \"run_id\": \"01KYPYVE0ZR60YTN6Y4M3M160F\", \"actions\": [{\"type\": \"open_surrenders\", \"label\": \"查看退保进度\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/b1c7ca3d-e611-4e45-91e8-a04212373ea2/r/00d0bfbe-cc2e-4bd0-8b60-d4869dc125cb?poll=true\", \"service_no\": \"ZBT-20260729-7705\", \"invoked_tools\": [\"list_my_surrenders\"]}','2026-07-29 12:51:15'),('01KYQ9MNXBXZ3BGZ4S9MMDXQZE','01KYQ9MGT6J0ZM2GRCQ5A05Z4G','USER','请查询成都高新区支持住院协助的合作医疗服务机构和服务时间。','{\"run_id\": \"01KYQ9MGYBP6J1ZXM3PK19H98V\", \"service_no\": \"ZBT-20260729-8046\"}','2026-07-29 15:59:33'),('01KYQ9MNXWTV83H3F0R37N4WYC','01KYQ9MGT6J0ZM2GRCQ5A05Z4G','ASSISTANT','根据系统查询结果，成都高新区支持住院协助的合作医疗服务机构信息如下：\n\n**合作机构：** 智联合作医疗中心（高新）\n**地址：** 天府大道中段合作服务园A座\n**服务类型：** 门诊协助、住院协助、材料预审\n**服务时间：** 周一至周五 09:00-17:30\n**联系电话：** 400-800-1001\n\n> 本目录为本地功能验证数据，不构成真实就医推荐；实际服务请以机构确认结果为准。','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"city\": \"成都\", \"name\": \"智联合作医疗中心（高新）\", \"address\": \"天府大道中段合作服务园A座\", \"contact\": \"400-800-1001\", \"district\": \"高新区\", \"service_hours\": \"周一至周五 09:00-17:30\", \"service_types\": [\"门诊协助\", \"住院协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-001\"}], \"title\": \"合作医疗服务资源\", \"total\": 1, \"entity\": \"partner_institution\", \"version\": \"1.0\"}], \"run_id\": \"01KYQ9MGYBP6J1ZXM3PK19H98V\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260729-8046\", \"invoked_tools\": [\"search_partner_institutions\"]}','2026-07-29 15:59:38'),('01KYREBWNPMRVJG0GWSR4SCA08','01KYREBS9ZN5890K7PTEHYPSM5','USER','你们合作的医院有哪些？','{\"run_id\": \"01KYREBSB3VKTVSD4EYKF4VAF2\", \"service_no\": \"ZBT-20260730-0327\"}','2026-07-30 02:41:24'),('01KYREBWPEVR6PZ870TKGBC9P2','01KYREBS9ZN5890K7PTEHYPSM5','ASSISTANT','好的，我来查询合作医疗服务机构的信息。请问您想查询哪个城市的合作医院呢？','{\"cards\": [], \"run_id\": \"01KYREBSB3VKTVSD4EYKF4VAF2\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260730-0327\", \"invoked_tools\": []}','2026-07-30 02:41:28'),('01KYRECH6N6NYEA3BCNFEYW8NW','01KYREBS9ZN5890K7PTEHYPSM5','USER','成都的','{\"run_id\": \"01KYRECAH5HHVMQG3PKGDFVA8J\", \"service_no\": \"ZBT-20260730-6628\"}','2026-07-30 02:41:42'),('01KYRECH77BD1EKRMS5ZDV0W46','01KYREBS9ZN5890K7PTEHYPSM5','ASSISTANT','成都目前有 **4家** 合作医疗服务机构，以下是详细信息：\n\n---\n\n**1. 智联合作医疗中心（高新）**\n- 📍 高新区·天府大道中段合作服务园A座\n- 🕘 周一至周五 09:00-17:30\n- 📞 400-800-1001\n- 服务：门诊协助、住院协助、材料预审\n\n**2. 安康合作医疗服务站（锦江）**\n- 📍 锦江区·东大街合作服务中心2层\n- 🕘 周一至周六 09:00-18:00\n- 📞 400-800-1002\n- 服务：门诊协助、材料预审\n\n**3. 蓉城家庭健康协作中心（青羊）**\n- 📍 青羊区·清江中路合作健康园3号楼\n- 🕘 周一至周五 08:30-17:30\n- 📞 400-800-1003\n- 服务：家庭健康咨询、住院协助、材料预审\n\n**4. 城北合作医疗服务中心（金牛）**\n- 📍 金牛区·一环路北段合作服务大厦1层\n- 🕘 每日 09:00-17:00\n- 📞 400-800-1004\n- 服务：门诊协助、住院协助\n\n---\n\n> ⚠️ 以上为合作医疗服务资源目录，实际服务请以机构确认为准。如需了解具体某项保障产品能否使用这些服务，欢迎进一步咨询。','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"city\": \"成都\", \"name\": \"智联合作医疗中心（高新）\", \"address\": \"天府大道中段合作服务园A座\", \"contact\": \"400-800-1001\", \"district\": \"高新区\", \"service_hours\": \"周一至周五 09:00-17:30\", \"service_types\": [\"门诊协助\", \"住院协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-001\"}, {\"city\": \"成都\", \"name\": \"安康合作医疗服务站（锦江）\", \"address\": \"东大街合作服务中心2层\", \"contact\": \"400-800-1002\", \"district\": \"锦江区\", \"service_hours\": \"周一至周六 09:00-18:00\", \"service_types\": [\"门诊协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-002\"}, {\"city\": \"成都\", \"name\": \"蓉城家庭健康协作中心（青羊）\", \"address\": \"清江中路合作健康园3号楼\", \"contact\": \"400-800-1003\", \"district\": \"青羊区\", \"service_hours\": \"周一至周五 08:30-17:30\", \"service_types\": [\"家庭健康咨询\", \"住院协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-003\"}, {\"city\": \"成都\", \"name\": \"城北合作医疗服务中心（金牛）\", \"address\": \"一环路北段合作服务大厦1层\", \"contact\": \"400-800-1004\", \"district\": \"金牛区\", \"service_hours\": \"每日 09:00-17:00\", \"service_types\": [\"门诊协助\", \"住院协助\"], \"institution_id\": \"ZBT-HOSP-CD-004\"}], \"title\": \"合作医疗服务资源\", \"total\": 4, \"entity\": \"partner_institution\", \"version\": \"1.0\"}], \"run_id\": \"01KYRECAH5HHVMQG3PKGDFVA8J\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/b1c7ca3d-e611-4e45-91e8-a04212373ea2/r/77c18145-2604-480f-b5bc-42c26402da7f?poll=true\", \"service_no\": \"ZBT-20260730-6628\", \"invoked_tools\": [\"search_partner_institutions\"]}','2026-07-30 02:41:49'),('01KYREHV5YC83GM88TQGGQEX22','01KYREBS9ZN5890K7PTEHYPSM5','USER','我想给一家三口配置意外保障，请帮我推荐。','{\"run_id\": \"01KYREHQSP41WAYFXJJRTXG3RQ\", \"service_no\": \"ZBT-20260730-6493\"}','2026-07-30 02:44:39'),('01KYREHV6ACKRHKBECWCANZAS8','01KYREBS9ZN5890K7PTEHYPSM5','ASSISTANT','目前有一款 **「家庭意外保障险」** 非常适合您一家三口的需求。在进一步推荐前，我需要先了解几个信息：\n\n1. **您和家人的年龄**分别是多少？（您、配偶、孩子）\n2. **常住地区**是成都吗？\n3. **您和配偶的职业类别**是什么？（如办公室职员、教师、司机等）\n4. **投保关系**——是由您作为投保人，为配偶和孩子一起投保，对吗？\n\n这些信息确认后，我可以帮您做准确的资格校验和保费测算。','{\"cards\": [{\"type\": \"product_recommendations\", \"items\": [{\"name\": \"家庭意外保障险\", \"plans\": [{\"id\": \"2169785CB35A06AC21B36252B1\", \"code\": \"FAMILY\", \"name\": \"家庭计划\", \"max_age\": 70, \"min_age\": 0, \"summary\": \"一份计划覆盖家庭成员的常见意外风险，适合家庭统一配置。\", \"premium_cents\": 15900, \"coverage_amount_cents\": 100000000}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\", \"max_age\": 70, \"min_age\": 0, \"summary\": \"覆盖个人日常意外身故、伤残及意外医疗责任。\", \"premium_cents\": 9900, \"coverage_amount_cents\": 50000000}], \"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\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}], \"run_id\": \"01KYREHQSP41WAYFXJJRTXG3RQ\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260730-6493\", \"invoked_tools\": [\"list_available_products\"]}','2026-07-30 02:44:43'),('01KYRFRZ0SFC9ZN51MASB66QBJ','01KYRFRRXAYZT6ZDRNNAQAGCNG','USER','查询我最近一笔退保申请的处理进度。','{\"run_id\": \"01KYRFRS0VRM6VNSTM0Y691YX7\", \"service_no\": \"ZBT-20260730-0010\"}','2026-07-30 03:05:59'),('01KYRFRZ12A1FBTC4P3A629DF0','01KYRFRRXAYZT6ZDRNNAQAGCNG','ASSISTANT','您共有8笔退保申请记录，按时间排序，最近一笔如下：\n\n---\n\n**最近一笔退保申请**\n\n- **申请编号：** ZBT-TB-20260730-5920\n- **申请时间：** 2026年7月30日\n- **退保原因：** 暂时不需要该保障\n- **处理状态：** ✅ **已退款完成（REFUNDED）**\n- **退款金额：** 159.00元\n\n该笔退保已完成退款闭环，资金已退回。\n\n---\n\n**其他未完成退保情况：**\n\n还有一笔较早的申请（编号：ZBT-TB-20260729-5920，申请时间7月29日09:35）目前状态为 **等待审批（WAITING_APPROVAL）**，预计退款599.00元。这笔仍在处理中，尚未到账。\n\n如需查看详细进度，可前往 **「我的保障」-「退保进度」** 查看。','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"reason\": \"暂时不需要该保障\", \"status\": \"REFUNDED\", \"policy_id\": \"01KYREKXFMY9XQGF9MXCQ1CD9D\", \"created_at\": \"2026-07-30T03:04:58+00:00\", \"request_no\": \"ZBT-TB-20260730-5920\", \"refund_amount_cents\": 15900}, {\"reason\": \"保障计划调整\", \"status\": \"REFUNDED\", \"policy_id\": \"DA09C5BCEAE67165460B58C574\", \"created_at\": \"2026-07-29T15:01:56+00:00\", \"request_no\": \"ZBT-TB-20260729-6668\", \"refund_amount_cents\": 16265}, {\"reason\": \"其他原因\", \"status\": \"REFUNDED\", \"policy_id\": \"01KYEWFDQ5XE6Z3VPD5BWE4NHD\", \"created_at\": \"2026-07-29T12:33:17+00:00\", \"request_no\": \"ZBT-TB-20260729-2862\", \"refund_amount_cents\": 15900}, {\"reason\": \"保障方案调整，申请按未到期天数办理退保。\", \"status\": \"REFUNDED\", \"policy_id\": \"01KYEHP2GVHY0TDB5CEV9SK5CZ\", \"created_at\": \"2026-07-29T10:55:00+00:00\", \"request_no\": \"ZBT-TB-20260729-9624\", \"refund_amount_cents\": 11369}, {\"reason\": \"家庭已有同类保障，申请退保。\", \"status\": \"REFUNDED\", \"policy_id\": \"01KYD5EVBANXXRXZFWZ46SSVZ1\", \"created_at\": \"2026-07-29T10:25:00+00:00\", \"request_no\": \"ZBT-TB-20260729-3362\", \"refund_amount_cents\": 19900}], \"title\": \"我的退保进度\", \"total\": 8, \"entity\": \"surrender\", \"version\": \"1.0\"}], \"run_id\": \"01KYRFRS0VRM6VNSTM0Y691YX7\", \"actions\": [{\"type\": \"open_surrenders\", \"label\": \"查看退保进度\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/b1c7ca3d-e611-4e45-91e8-a04212373ea2/r/d9e37ae2-f486-44b0-81d6-b07eaa6065d2?poll=true\", \"service_no\": \"ZBT-20260730-0010\", \"invoked_tools\": [\"list_my_surrenders\"]}','2026-07-30 03:06:05'),('01KYRFWC1NB1ZW2NE2PM83HAH0','01KYRFRRXAYZT6ZDRNNAQAGCNG','USER','我的退保退款完成了吗？','{\"run_id\": \"01KYRFW99FBPX878BV0V95NA8S\", \"service_no\": \"ZBT-20260730-5655\"}','2026-07-30 03:07:54'),('01KYRFWC250EDRN2KF1TADKM5N','01KYRFRRXAYZT6ZDRNNAQAGCNG','ASSISTANT','根据查询结果，您有两笔退保申请：\n\n1. **申请编号：ZBT-TB-20260730-5920**（2026年7月30日申请）—— **已退款完成（REFUNDED）**，退款金额159.00元，资金已退回。\n2. **申请编号：ZBT-TB-20260729-5920**（2026年7月29日申请）—— **等待审批（WAITING_APPROVAL）**，预计退款599.00元，尚未完成。\n\n所以，最近一笔（7月30日申请的）已经退款完成；但较早那笔（7月29日申请的）还在等待审批，还未到账。','{\"cards\": [], \"run_id\": \"01KYRFW99FBPX878BV0V95NA8S\", \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/b1c7ca3d-e611-4e45-91e8-a04212373ea2/r/1f9cb7f6-a01d-46c3-82e6-02ed95a87229?poll=true\", \"service_no\": \"ZBT-20260730-5655\", \"invoked_tools\": []}','2026-07-30 03:07:56'),('01KYRFWTH71HCXNMTFTVYXG2E9','01KYRFRRXAYZT6ZDRNNAQAGCNG','USER','请查询成都高新区支持住院协助的合作医疗服务机构和服务时间。','{\"run_id\": \"01KYRFWPVR2J01NGFBF48797JQ\", \"service_no\": \"ZBT-20260730-0595\"}','2026-07-30 03:08:07'),('01KYRFWTHH9DAV7YRXPGX73AYN','01KYRFRRXAYZT6ZDRNNAQAGCNG','ASSISTANT','根据查询结果，成都高新区支持**住院协助**的合作医疗服务机构如下：\n\n**机构名称：** 智联合作医疗中心（高新）\n**地址：** 天府大道中段合作服务园A座\n**服务时间：** 周一至周五 09:00-17:30\n**联系电话：** 400-800-1001\n\n> 本目录为本地功能验证数据，不构成真实就医推荐；实际服务请以机构确认结果为准。','{\"cards\": [{\"type\": \"business_list\", \"items\": [{\"city\": \"成都\", \"name\": \"智联合作医疗中心（高新）\", \"address\": \"天府大道中段合作服务园A座\", \"contact\": \"400-800-1001\", \"district\": \"高新区\", \"service_hours\": \"周一至周五 09:00-17:30\", \"service_types\": [\"门诊协助\", \"住院协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-001\"}], \"title\": \"合作医疗服务资源\", \"total\": 1, \"entity\": \"partner_institution\", \"version\": \"1.0\"}], \"run_id\": \"01KYRFWPVR2J01NGFBF48797JQ\", \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260730-0595\", \"invoked_tools\": [\"search_partner_institutions\"]}','2026-07-30 03:08:11'),('01KYRJ8JX8NJDDV8F6N1BC0GV7','01KYNYGSR5JJRJBVEZGBEMKTRB','USER','当前有哪些退款异常需要运营人员关注？','{\"run_id\": 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2}, {\"unit\": \"笔\", \"label\": \"退款完成\", \"trend\": null, \"value\": 10}], \"title\": \"退保退款运行状态\", \"version\": \"1.0\"}], \"run_id\": \"01KYRJ8DFWPVM8VBMYM5TQXDXK\", \"actions\": [{\"type\": \"open_admin_surrenders\", \"label\": \"进入退保退款工作台\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": null, \"service_no\": \"ZBT-20260730-5109\", \"invoked_tools\": [\"get_surrender_operations\"]}','2026-07-30 03:49:34');
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/ 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\": 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\"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\": 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\"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\": [{\"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\"}], \"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\"}',NULL,'2026-07-27 03:36:18','2026-07-27 03:36:39'),('01KYKZ64DTE5N1PDPXNPJX1EZ2','agent-01KYKZF6P7YV1HG5ZSWS1SJ3W8','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 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\": \"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\"}',NULL,'2026-07-28 14:14:53','2026-07-28 14:15:13'),('01KYMHJPQ6DRKJ52GDRVPEW5N0','agent-01KYMHM468735EKK9GDP0JSN61','01KYMH856E84CE5CHWD2FW9JX5','a5dc683e-b78b-4a66-9ec3-0d79b7e704fd','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- **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。\", \"type\": \"text\", \"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\": 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\"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\"}], \"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\": \"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\"}',NULL,'2026-07-28 16:14:09','2026-07-28 16:14:35'),('01KYMR2MZE9KMP0KSNJR3V597C','agent-01KYMR32AB19NSE26W1GGZKM8P','01KYMR2MXER6VSBBWFH24HTPDG','d543880b-a360-4e48-918c-aef33f8a65c1','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\": \"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。\", \"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\": \"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\"}], \"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\"}',NULL,'2026-07-28 16:14:13','2026-07-28 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'),('01KYPYVE0ZR60YTN6Y4M3M160F','agent-01KYPYVQVYPT1MVJKRT2HCB2VR','01KYPYVDXKPMMAS6DHD8B4YQKV','00d0bfbe-cc2e-4bd0-8b60-d4869dc125cb','customer','COMPLETED','{\"text\": \"查询我最近一笔退保申请的处理进度。\", \"type\": \"text\"}','{\"text\": \"查到您有一笔退保申请，以下是进度详情：\\n\\n**申请编号：** ZBT-TB-20260729-2862  \\n**申请时间：** 2026年7月29日  \\n**退保原因：** 其他原因  \\n**当前状态：** ⏳ **等待审批中**（REFUND_PENDING）  \\n**预计退款金额：** **159.00 元**\\n\\n> ⚠️ **提醒：** 当前状态为\\\"等待审批\\\"，预计退款金额不代表资金已经退回。审批通过后资金才会进入退款处理流程，最终到账请以银行实际入账为准。\\n\\n如需查看更详细的进度，您可以前往 **\\\"我的保障\\\" → \\\"退保进度\\\"** 查看。有其他问题随时问我！\", \"type\": \"text\", \"cards\": [{\"type\": \"business_list\", \"items\": [{\"reason\": \"其他原因\", \"status\": \"REFUND_PENDING\", \"policy_id\": \"01KYEWFDQ5XE6Z3VPD5BWE4NHD\", \"created_at\": \"2026-07-29T12:33:17+00:00\", \"request_no\": \"ZBT-TB-20260729-2862\", \"refund_amount_cents\": 15900}], \"title\": \"我的退保进度\", \"total\": 1, \"entity\": \"surrender\", \"version\": \"1.0\"}], \"actions\": [{\"type\": \"open_surrenders\", \"label\": \"查看退保进度\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/b1c7ca3d-e611-4e45-91e8-a04212373ea2/r/00d0bfbe-cc2e-4bd0-8b60-d4869dc125cb?poll=true\", \"service_no\": \"ZBT-20260729-7705\"}',NULL,'2026-07-29 12:51:05','2026-07-29 12:51:15'),('01KYQ9MGYBP6J1ZXM3PK19H98V','agent-01KYQ9MNYBH8S0C9AXRWK8N4YJ','01KYQ9MGT6J0ZM2GRCQ5A05Z4G','2f39464a-2570-4f8a-9bc9-67f9404cac26','customer','COMPLETED','{\"text\": \"请查询成都高新区支持住院协助的合作医疗服务机构和服务时间。\", \"type\": \"text\"}','{\"text\": \"根据系统查询结果，成都高新区支持住院协助的合作医疗服务机构信息如下：\\n\\n**合作机构：** 智联合作医疗中心（高新）\\n**地址：** 天府大道中段合作服务园A座\\n**服务类型：** 门诊协助、住院协助、材料预审\\n**服务时间：** 周一至周五 09:00-17:30\\n**联系电话：** 400-800-1001\\n\\n> 本目录为本地功能验证数据，不构成真实就医推荐；实际服务请以机构确认结果为准。\", \"type\": \"text\", \"cards\": [{\"type\": \"business_list\", \"items\": [{\"city\": \"成都\", \"name\": \"智联合作医疗中心（高新）\", \"address\": \"天府大道中段合作服务园A座\", \"contact\": \"400-800-1001\", \"district\": \"高新区\", \"service_hours\": \"周一至周五 09:00-17:30\", \"service_types\": [\"门诊协助\", \"住院协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-001\"}], \"title\": \"合作医疗服务资源\", \"total\": 1, \"entity\": \"partner_institution\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260729-8046\"}',NULL,'2026-07-29 15:59:33','2026-07-29 15:59:38'),('01KYREBSB3VKTVSD4EYKF4VAF2','agent-01KYREBWPS72V1ESKECPJ2DN13','01KYREBS9ZN5890K7PTEHYPSM5','357f5543-dec2-4f33-949a-b4e32b568d51','customer','COMPLETED','{\"text\": \"你们合作的医院有哪些？\", \"type\": \"text\"}','{\"text\": \"好的，我来查询合作医疗服务机构的信息。请问您想查询哪个城市的合作医院呢？\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260730-0327\"}',NULL,'2026-07-30 02:41:24','2026-07-30 02:41:28'),('01KYRECAH5HHVMQG3PKGDFVA8J','agent-01KYRECH7HRFZR6NRH7AZQBTST','01KYREBS9ZN5890K7PTEHYPSM5','77c18145-2604-480f-b5bc-42c26402da7f','customer','COMPLETED','{\"text\": \"成都的\", \"type\": \"text\"}','{\"text\": \"成都目前有 **4家** 合作医疗服务机构，以下是详细信息：\\n\\n---\\n\\n**1. 智联合作医疗中心（高新）**\\n- 📍 高新区·天府大道中段合作服务园A座\\n- 🕘 周一至周五 09:00-17:30\\n- 📞 400-800-1001\\n- 服务：门诊协助、住院协助、材料预审\\n\\n**2. 安康合作医疗服务站（锦江）**\\n- 📍 锦江区·东大街合作服务中心2层\\n- 🕘 周一至周六 09:00-18:00\\n- 📞 400-800-1002\\n- 服务：门诊协助、材料预审\\n\\n**3. 蓉城家庭健康协作中心（青羊）**\\n- 📍 青羊区·清江中路合作健康园3号楼\\n- 🕘 周一至周五 08:30-17:30\\n- 📞 400-800-1003\\n- 服务：家庭健康咨询、住院协助、材料预审\\n\\n**4. 城北合作医疗服务中心（金牛）**\\n- 📍 金牛区·一环路北段合作服务大厦1层\\n- 🕘 每日 09:00-17:00\\n- 📞 400-800-1004\\n- 服务：门诊协助、住院协助\\n\\n---\\n\\n> ⚠️ 以上为合作医疗服务资源目录，实际服务请以机构确认为准。如需了解具体某项保障产品能否使用这些服务，欢迎进一步咨询。\", \"type\": \"text\", \"cards\": [{\"type\": \"business_list\", \"items\": [{\"city\": \"成都\", \"name\": \"智联合作医疗中心（高新）\", \"address\": \"天府大道中段合作服务园A座\", \"contact\": \"400-800-1001\", \"district\": \"高新区\", \"service_hours\": \"周一至周五 09:00-17:30\", \"service_types\": [\"门诊协助\", \"住院协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-001\"}, {\"city\": \"成都\", \"name\": \"安康合作医疗服务站（锦江）\", \"address\": \"东大街合作服务中心2层\", \"contact\": \"400-800-1002\", \"district\": \"锦江区\", \"service_hours\": \"周一至周六 09:00-18:00\", \"service_types\": [\"门诊协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-002\"}, {\"city\": \"成都\", \"name\": \"蓉城家庭健康协作中心（青羊）\", \"address\": \"清江中路合作健康园3号楼\", \"contact\": \"400-800-1003\", \"district\": \"青羊区\", \"service_hours\": \"周一至周五 08:30-17:30\", \"service_types\": [\"家庭健康咨询\", \"住院协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-003\"}, {\"city\": \"成都\", \"name\": \"城北合作医疗服务中心（金牛）\", \"address\": \"一环路北段合作服务大厦1层\", \"contact\": \"400-800-1004\", \"district\": \"金牛区\", \"service_hours\": \"每日 09:00-17:00\", \"service_types\": [\"门诊协助\", \"住院协助\"], \"institution_id\": \"ZBT-HOSP-CD-004\"}], \"title\": \"合作医疗服务资源\", \"total\": 4, \"entity\": \"partner_institution\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/b1c7ca3d-e611-4e45-91e8-a04212373ea2/r/77c18145-2604-480f-b5bc-42c26402da7f?poll=true\", \"service_no\": \"ZBT-20260730-6628\"}',NULL,'2026-07-30 02:41:42','2026-07-30 02:41:49'),('01KYREHQSP41WAYFXJJRTXG3RQ','agent-01KYREHV6PX68QP3A7PC7CT445','01KYREBS9ZN5890K7PTEHYPSM5','63159372-9844-47c4-b519-70392dea8037','customer','COMPLETED','{\"text\": \"我想给一家三口配置意外保障，请帮我推荐。\", \"type\": \"text\"}','{\"text\": \"目前有一款 **「家庭意外保障险」** 非常适合您一家三口的需求。在进一步推荐前，我需要先了解几个信息：\\n\\n1. **您和家人的年龄**分别是多少？（您、配偶、孩子）\\n2. **常住地区**是成都吗？\\n3. **您和配偶的职业类别**是什么？（如办公室职员、教师、司机等）\\n4. **投保关系**——是由您作为投保人，为配偶和孩子一起投保，对吗？\\n\\n这些信息确认后，我可以帮您做准确的资格校验和保费测算。\", \"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\", \"max_age\": 70, \"min_age\": 0, \"summary\": \"一份计划覆盖家庭成员的常见意外风险，适合家庭统一配置。\", \"premium_cents\": 15900, \"coverage_amount_cents\": 100000000}, {\"id\": \"E6C5CCB0338111CDBA873EE512\", \"code\": \"INDIVIDUAL\", \"name\": \"个人计划\", \"max_age\": 70, \"min_age\": 0, \"summary\": \"覆盖个人日常意外身故、伤残及意外医疗责任。\", \"premium_cents\": 9900, \"coverage_amount_cents\": 50000000}], \"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\", \"product_code\": \"ACC-FAMILY\", \"product_version_id\": \"1A6DBDAC8A59938EC8082F5994\"}], \"title\": \"为你匹配的保障方案\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260730-6493\"}',NULL,'2026-07-30 02:44:39','2026-07-30 02:44:43'),('01KYRFRS0VRM6VNSTM0Y691YX7','agent-01KYRFRZ16XR4RNYSSDNR9WXW3','01KYRFRRXAYZT6ZDRNNAQAGCNG','d9e37ae2-f486-44b0-81d6-b07eaa6065d2','customer','COMPLETED','{\"text\": \"查询我最近一笔退保申请的处理进度。\", \"type\": \"text\"}','{\"text\": \"您共有8笔退保申请记录，按时间排序，最近一笔如下：\\n\\n---\\n\\n**最近一笔退保申请**\\n\\n- **申请编号：** ZBT-TB-20260730-5920\\n- **申请时间：** 2026年7月30日\\n- **退保原因：** 暂时不需要该保障\\n- **处理状态：** ✅ **已退款完成（REFUNDED）**\\n- **退款金额：** 159.00元\\n\\n该笔退保已完成退款闭环，资金已退回。\\n\\n---\\n\\n**其他未完成退保情况：**\\n\\n还有一笔较早的申请（编号：ZBT-TB-20260729-5920，申请时间7月29日09:35）目前状态为 **等待审批（WAITING_APPROVAL）**，预计退款599.00元。这笔仍在处理中，尚未到账。\\n\\n如需查看详细进度，可前往 **「我的保障」-「退保进度」** 查看。\", \"type\": \"text\", \"cards\": [{\"type\": \"business_list\", \"items\": [{\"reason\": \"暂时不需要该保障\", \"status\": \"REFUNDED\", \"policy_id\": \"01KYREKXFMY9XQGF9MXCQ1CD9D\", \"created_at\": \"2026-07-30T03:04:58+00:00\", \"request_no\": \"ZBT-TB-20260730-5920\", \"refund_amount_cents\": 15900}, {\"reason\": \"保障计划调整\", \"status\": \"REFUNDED\", \"policy_id\": \"DA09C5BCEAE67165460B58C574\", \"created_at\": \"2026-07-29T15:01:56+00:00\", \"request_no\": \"ZBT-TB-20260729-6668\", \"refund_amount_cents\": 16265}, {\"reason\": \"其他原因\", \"status\": \"REFUNDED\", \"policy_id\": \"01KYEWFDQ5XE6Z3VPD5BWE4NHD\", \"created_at\": \"2026-07-29T12:33:17+00:00\", \"request_no\": \"ZBT-TB-20260729-2862\", \"refund_amount_cents\": 15900}, {\"reason\": \"保障方案调整，申请按未到期天数办理退保。\", \"status\": \"REFUNDED\", \"policy_id\": \"01KYEHP2GVHY0TDB5CEV9SK5CZ\", \"created_at\": \"2026-07-29T10:55:00+00:00\", \"request_no\": \"ZBT-TB-20260729-9624\", \"refund_amount_cents\": 11369}, {\"reason\": \"家庭已有同类保障，申请退保。\", \"status\": \"REFUNDED\", \"policy_id\": \"01KYD5EVBANXXRXZFWZ46SSVZ1\", \"created_at\": \"2026-07-29T10:25:00+00:00\", \"request_no\": \"ZBT-TB-20260729-3362\", \"refund_amount_cents\": 19900}], \"title\": \"我的退保进度\", \"total\": 8, \"entity\": \"surrender\", \"version\": \"1.0\"}], \"actions\": [{\"type\": \"open_surrenders\", \"label\": \"查看退保进度\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/b1c7ca3d-e611-4e45-91e8-a04212373ea2/r/d9e37ae2-f486-44b0-81d6-b07eaa6065d2?poll=true\", \"service_no\": \"ZBT-20260730-0010\"}',NULL,'2026-07-30 03:05:59','2026-07-30 03:06:05'),('01KYRFW99FBPX878BV0V95NA8S','agent-01KYRFWC2HS55X4G78W00TFY5X','01KYRFRRXAYZT6ZDRNNAQAGCNG','1f9cb7f6-a01d-46c3-82e6-02ed95a87229','customer','COMPLETED','{\"text\": \"我的退保退款完成了吗？\", \"type\": \"text\"}','{\"text\": \"根据查询结果，您有两笔退保申请：\\n\\n1. **申请编号：ZBT-TB-20260730-5920**（2026年7月30日申请）—— **已退款完成（REFUNDED）**，退款金额159.00元，资金已退回。\\n2. **申请编号：ZBT-TB-20260729-5920**（2026年7月29日申请）—— **等待审批（WAITING_APPROVAL）**，预计退款599.00元，尚未完成。\\n\\n所以，最近一笔（7月30日申请的）已经退款完成；但较早那笔（7月29日申请的）还在等待审批，还未到账。\", \"type\": \"text\", \"cards\": [], \"actions\": [], \"trace_url\": \"https://smith.langchain.com/o/5912e096-0ccc-4640-91ed-9bc1ea655571/projects/p/b1c7ca3d-e611-4e45-91e8-a04212373ea2/r/1f9cb7f6-a01d-46c3-82e6-02ed95a87229?poll=true\", \"service_no\": \"ZBT-20260730-5655\"}',NULL,'2026-07-30 03:07:54','2026-07-30 03:07:56'),('01KYRFWPVR2J01NGFBF48797JQ','agent-01KYRFWTHRJHJEXDMCY6YY2NF9','01KYRFRRXAYZT6ZDRNNAQAGCNG','7e74a9ea-6c37-4b9d-ac16-b21fe2edc119','customer','COMPLETED','{\"text\": \"请查询成都高新区支持住院协助的合作医疗服务机构和服务时间。\", \"type\": \"text\"}','{\"text\": \"根据查询结果，成都高新区支持**住院协助**的合作医疗服务机构如下：\\n\\n**机构名称：** 智联合作医疗中心（高新）\\n**地址：** 天府大道中段合作服务园A座\\n**服务时间：** 周一至周五 09:00-17:30\\n**联系电话：** 400-800-1001\\n\\n> 本目录为本地功能验证数据，不构成真实就医推荐；实际服务请以机构确认结果为准。\", \"type\": \"text\", \"cards\": [{\"type\": \"business_list\", \"items\": [{\"city\": \"成都\", \"name\": \"智联合作医疗中心（高新）\", \"address\": \"天府大道中段合作服务园A座\", \"contact\": \"400-800-1001\", \"district\": \"高新区\", \"service_hours\": \"周一至周五 09:00-17:30\", \"service_types\": [\"门诊协助\", \"住院协助\", \"材料预审\"], \"institution_id\": \"ZBT-HOSP-CD-001\"}], \"title\": \"合作医疗服务资源\", \"total\": 1, \"entity\": \"partner_institution\", \"version\": \"1.0\"}], \"actions\": [], \"trace_url\": null, \"service_no\": \"ZBT-20260730-0595\"}',NULL,'2026-07-30 03:08:07','2026-07-30 03:08:11'),('01KYRJ8DFWPVM8VBMYM5TQXDXK','agent-01KYRJ8JXQARSA8SR0711A12T7','01KYNYGSR5JJRJBVEZGBEMKTRB','b357a6a0-fe3d-49cf-9e0b-10309b57c6fc','operation','COMPLETED','{\"text\": \"当前有哪些退款异常需要运营人员关注？\", \"type\": \"text\"}','{\"text\": \"## 结论\\n\\n当前共有 **2 笔退款异常** 需要运营人员人工介入处理，涉及金额合计 **398 元**。\\n\\n## 关键发现\\n\\n1. **2 笔退款异常待处理** — 状态分别为 `MANUAL_INTERVENTION`（需人工干预）和 `COMPENSATED`（已补偿），均产生于7月29日，每笔金额均为 **199 元**，合计 **398 元**。\\n2. **异常明细**：\\n   - **ZBT-TB-20260729-0179**（199元）— 状态为「需人工干预」，说明退款流程卡在需要运营手动处理的环节。\\n   - **ZBT-TB-20260729-7822**（199元）— 状态为「已补偿」，表明已通过补偿方式处理，但仍需确认补偿是否闭环。\\n3. **同期还有 2 笔等待审批** — 另有 2 笔退保申请处于待审批状态，建议一并处理以避免积压。\\n\\n## 建议关注\\n\\n- 请登录 **退保退款工作台**，优先处理 `MANUAL_INTERVENTION` 状态的 ZBT-TB-20260729-0179，核实退款卡顿原因并完成人工审批或回调。\\n- 对 `COMPENSATED` 状态的 ZBT-TB-20260729-7822，确认补偿金额是否已实际到账，避免出现补偿未闭环的情况。\", \"type\": \"text\", \"cards\": [{\"type\": \"metrics\", \"items\": [{\"unit\": \"笔\", \"label\": \"全部申请\", \"trend\": null, \"value\": 20}, {\"unit\": \"笔\", \"label\": \"等待审批\", \"trend\": null, \"value\": 2}, {\"unit\": \"笔\", \"label\": \"退款异常\", \"trend\": null, \"value\": 2}, {\"unit\": \"笔\", \"label\": \"退款完成\", \"trend\": null, \"value\": 10}], \"title\": \"退保退款运行状态\", \"version\": \"1.0\"}], \"actions\": [{\"type\": \"open_admin_surrenders\", \"label\": \"进入退保退款工作台\", \"payload\": {}, \"confirmation_required\": false}], \"trace_url\": null, \"service_no\": \"ZBT-20260730-5109\"}',NULL,'2026-07-30 03:49:28','2026-07-30 03:49:34');
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