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  <!-- 首页 -->
  <url>
    <loc>https://www.mayibao.cn/</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>1.0</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- 险种产品聚合页（按 productCode 动态路由，相对稳定） -->
  <url>
    <loc>https://www.mayibao.cn/product/health</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/product/safe</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/product/education</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/product/property</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- 单品落地页（GEO 静态内容页） -->
  <url>
    <loc>https://www.mayibao.cn/insurance/haoyibao-child-medical</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.9</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/insurance/wuyoubao-accident</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.9</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- 品牌介绍页 -->
  <url>
    <loc>https://www.mayibao.cn/about/about-mayibao</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.7</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/about/claims-service</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.7</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- 保险百科（深度长文） -->
  <url>
    <loc>https://www.mayibao.cn/wiki/critical-illness-comparison</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.9</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/wiki/medical-vs-critical-illness</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.9</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- 资讯文章（时效性内容） -->
  <url>
    <loc>https://www.mayibao.cn/article/travel-insurance-shenzhou</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.7</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/article/huhuibao-2025</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.7</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/article/pet-insurance-highway</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.7</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/article/pet-travel-safety</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.7</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/article/cat-insurance-cost</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.7</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/article/rainstorm-accident-insurance</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.7</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- 关于我们 / 信息披露（aggregation sections） -->
  <url>
    <loc>https://www.mayibao.cn/about/aboutUs</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.6</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/about/infoDisclosure</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.6</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/about/disclosureTable?code=company</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.5</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/about/disclosureTable?code=product</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.5</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- 服务专栏（金融宣教 / 消费提示） -->
  <url>
    <loc>https://www.mayibao.cn/service/specialColumn?code=financeEducation</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.5</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/service/specialColumn?code=consumeTips</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.5</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/service/complaintInfo?code=complaint</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.4</priority>
    <changefreq>daily</changefreq>
  </url>

  <!-- 开放 · 保险内容专栏 -->
  <url>
    <loc>https://www.mayibao.cn/open/insurance-content</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/open/haoyibao-zero-deduct</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/open/haoyibao-child-longterm</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/open/jiangsu-yihuibao</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/open/shenzhen-huimin-bao</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/open/electric-bike-riding-insurance</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/open/education-fund-insurance</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/open/changqianbao-five-year-annuity</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
  <url>
    <loc>https://www.mayibao.cn/open/critical-illness-insurance</loc>
    <lastmod>2026-07-06</lastmod>
    <priority>0.8</priority>
    <changefreq>daily</changefreq>
  </url>
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